RAW RANKED SITES ABOUT
#LOW INCOME

The most comprehensive list of low income websites last updated on May 1 2021.
Stats collected from various trackers included with free apps.
1
Home | Interactive Brokers LLC Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
2
Home | Interactive Brokers U.K. Limited Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
3
Home | Interactive Brokers Australia Pty. Ltd. Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
4
Curve.fi Curve is an exchange liquidity pool on Ethereum designed for: extremely efficient stablecoin trading, low risk, supplemental fee income for liquidity providers, without an opportunity cost.
5
Home | Interactive Brokers Hong Kong Limited Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
6
Coast Capital Savings - Welcome to CCS With us, you’re not just a customer, you’re a member. 500,000+ Members · Low Mortgage Rates · Online Banking · Friendly Service · Tools and Calculators Types: Chequing Accounts, Savings Accounts, Credit Cards, Lines of Credit, Mortgages, Loans
7
Private Label Rights (PLR), Master Resale Rights, Resell Rights, Private Label Right, PLR eBook, Video, PLR Articles. Largest Catalog. Since 1999 - Private Label Rights, Master Resell Rights, Master Resale Rights and Private Label Rights to Thousands of eBooks, Software, PLR Videos, Audio Books,Resale Graphics, and More, Complete with Private Label Rights and Master Resell Rights. World''s Largest Catalog, by far! Over 10,000 resale products.
8
Home | Interactive Brokers Singapore Pte. Ltd. Financial Services Company, Low cost and best execution; advanced technology; and direct market access to stocks, options, futures, currencies, fixed income, ETFs and from a single account.
9
Banking & Financial Service Provider | Eko India Financial Services Eko gives retailers an opportunity to turn their own shop into a Banking & Financial institution by providing solutions to low & middle income customers.
10
Mastering Book Publishing: Make Money Publishing Books On Amazon Discover A Proven System On How To Ethically Make Money By Publishing Books On Amazon Without Shady Marketing Tactics.
11
Home | Interactive Brokers India Pvt. Ltd. Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
12
Home | Interactive Brokers Luxembourg SARL Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
13
Work and Income Work and Income are here to help you financially if you''re on a low income or not working, support you into work and help you find housing.
14
New York Information on legal rights, free legal aid offices, going to court, and other self-help information for low income people in New York State.
15
Low Income Housing and Apartments We provide low income housing apartments throughout the US. Search our listings to find your next home at a reasonable rental rate.
16
SnowSwap SnowSwap is an exchange liquidity pool on Ethereum designed for: extremely efficient stablecoin trading, low risk, supplemental fee income for liquidity providers, without an opportunity cost.
17
Civil Law Self-Help Center A nonprofit law firm dedicated to providing civil legal services to the most vulnerable in our community. We are a non-profit 501(c)(3) charitable organization dedicated to providing free community legal services to Clark County''s low income residents since 1958.
18
Best forex indicators free Download You will get here top best forex indicators, system and forex robot for auto trading in all mt4 brokers.Here i will share best indicators system that help you
19
The Best Merchant Accounts Merchant Accounts Review with the Best Services and Advantages to Buy and Sell and Ecommerce, Webmaster Resources and Affiliate Programs, Worldwide News, Advertising
20
SEE-LA - Sustainable Economic Enterprises of Los Angeles | Home SEE-LA’s purpose is to build sustainable food systems and promote social and cultural activities that benefit low income residents of Los Angeles.
21
Amazon Wealth Accelerator - Camron James Apply For Mentorship From Camron James in Amazon Wealth Accelerator.
22
Aavas Financiers Ltd - Home Loan, Housing Loan Finance Company in India Aavas Financiers Limited – a leading housing loan finance company in India offering various types of home loans at attractive interest rates for low income segment with high eligibility. Aavas also offers MSME, loan against property. Apply online now.
23
GHURA - Guam Housing and Urban Renewal Authority GHURA'S mission is to promote the health, safety and welfare of Guam's people by the elimination of slum and blight conditions, by the orderly redevelopment and revitalization of neighborhoods, by proper planning of new community development initiatives and by provision of safe, decent, sanitary dwellings for qualified families, through all available federal and local
25
Students Helping Students Students Helping Students | Improving Educational Equity Providing an equal footing for all students is our mission. See how we're turning corporate waste into new opportunities schools in low income areas.
26
Home | Interactive Brokers LLC Leading online trading solutions for traders, investors and advisors, with direct global access to stocks, options, futures, currencies, bonds and funds. Transparent, low commissions and financing rates and support for best execution.
27
Buy Digital Signature and Digital Certificate | edigitalsignature.org Buy a digital signature certificate from an authorized certificate provider at a low price. Get emudhra paperless DSC, Class 1 and 2 DSC, DSC renewal. Use digital signature for Income Tax, MCA (ROC), Tenders, Foreign Trade, Banking
28
Micro loan-Apply Instantly Online Personal or business loan for low income profile with minimum 12000 earning in account
29
LexisNexis India Bookstore: Law Books, Legal Books, Law Journals, Student Books, Bareacts, eBooks Buy Indian Law Books Online from LexisNexis Law Bookstore, Law Books India Publisher. Legal books or law book for Sale at LexisNexis Law Bookshop, business law, constitution law, criminal law, civil law, tax law, marriage and divorce, eBooks, CLAT and more at low prices-easy payment.
30
Boma Yangu | Home of the Affordable Housing Programme The Affordable Housing Programme (AHP) is an initiative by the Kenyan Government as one of the pillars under the ‘Big 4 Agenda’ which ensures that low and middle income households have access to decent and affordable housing units.
31
SuccessBux.com - Affordable Advertising Online SuccessBux - Innovative Paid to Click, Paid To Watch Videos, Paid To Complete Offers and much more than a GPT Platform. SuccessBux offers high quality advertising at the lowest rates in the industry worldwide.
32
India''s Leading Integrated CashFlow Solutions Provider - KredX KredX helping businesses unlock money from invoices, agreements, etc via working capital, growth capital & treasury income while helping investors earn high returns at low risk.
33
Rk Social King - #1 Affordable SEO & SMM Panel Rk Social King has the Cheapest SMM Panel and 100% High Quality for all social networks. Get the best Instagram panel today!
34
Forex MT4 Indicator | Forex Trading Strategies | Forex Indicator Download | Forex MT4 indicator & Strategies give you more Idea about trading in Metatrader 4 Brokers Chart for Buy or Sell Entery Point. Every Beginners Want to Download
35
JAMAICA PHARMACY, JAMAICA BEAUTY SUPPLIES, JAMAICA HEALTH, JAMAICAN PHARMACY- The unique shopping experience in Jamaica|Montego Bay Pharmacy|Savanna La Mar Pharmacy|Mandeville Pharmacy Fontana Pharmacy, Jamaica's Leading Pharmacy Chain with locations in Mandeville, Montego Bay, Kingston, Ocho Rios and Savanna La Mar.
36
JVZOO - WSO PRODUCT REVIEW | Software - Ebook - Plugin - Theme - PLR - Training Review Activity Book Generator By Amber Jalink - Discover the Faster, Easier Way To Create Coloring & Activity Books and Printables In Seconds That You Can Sell To Raving Fans! Activity Book Generator By Amber Jalink lets you create unlimited adult and kids coloring and activity books, in under a minute! The activity book generator does exactly what it says: It creates Coloring and Activity books AND PRINTABLES with the click of a button. These can be published on Amazon KDP, or Etsy and anywhere else. The system is broken down into two parts: the Coloring book generator, and the Activity book generator, which also includes coloring mixed in. The coloring book generator includes both adult coloring images (created by me personally!), as well as Kids coloring images (which was created by my in-house graphics specialist). A walk through is available upon request, but the point of this is to help people REMOVE the barriers to publishing by having to come up with everything themselves, position it in the pages, and so on. It's SO simple, with about 3 clicks of the mouse, they have you could say, a "push button" approach to product and printable creation. Hundreds upon hundreds of hours have been spent over the past SIX+ months creating these graphics in addition to the programming. Initially I intended to have this out back at the end of May, however, I decided to make sure everything was RIGHT, and to give as many options as possible. With Activity Book Generator you have PLR rights in that you can use these to sell as you wish, however, you can not include plr rights to others. (There is an add on Developer option that allows that). Learn More:Activity Book Generator By Amber Jalink Review - Discover the Faster, Easier Way To Create Coloring & Activity Books and Printables In Seconds That You Can Sell To Raving Fans! Activity Book Generator By Amber Jalink Review Activity Book Generator By Amber Jalink Review Activity Book Generator By Amber Jalink Review Activity Book Generator By Amber Jalink Review Activity Book Generator By Amber Jalink Review Activity Book Generator By Amber Jalink Review What Do We GInside Activity Book Generator: There are over 1,000 adult coloring images (over 700 new created JUST for this project), plus another 800+ kids coloring (preschool and up), AND over 3,500 activity pages included. The activities include your typical hangman, tic tac toe pages, but also find the match, mazes, activity placemats, what doesn't belong, how many words can you find, and more that we CUSTOM CREATED for this. WHY Choose the Activity Book Generator: Create printables and books in less than a minute every time, allowing you to create 30-60 books or multi-page printables in an hour.Choose between Coloring or Activities (Activities also may include some coloring)Completely random so you will rarely (if ever) see the same image twice. The odds of having an exact same book are in the millions because there are so many images in the system.Easily edit the PDF with a free editor if you wish to adjust or add wordsRoyalty free! Publish as many as you want, and keep all the profits Activity Book Generator Related Product: Front End: Activity Book GeneratorOTO 1: will have TWO options on the page, creating RECURRING income for you:The Deluxe Upgrade - This allows the user to unlock EVEN MORE coloring and activity books and printables, with ongoing constant updates and enhancements weekly.The PRO Upgrade - This allows the user to unlock even more new printables such as journals, calendars, and other low content books, with ongoing constant updates and enhancements weekly, many exclusive to this level.OTO 2: Agency/Teacher's/Developer's license.The Agency license allows to create for others like local businesses that THEY can sell (i.e., a Chiropractor might want one created for their patients' kids, or adult coloring for stress relief), restaurants may wish to use the activity placemats… and Teacher's will want to be able to distribute these to their students, as well as those who may wish to sell as full PLR. Testimony "I love how fast and easy books can be generated and the influx of ideas…""I love how fast and easy books can be generated and the influx of ideas that accompany looking through finished PDF books. Personally I'm going to use coloring pictures to create some coloring calendars for adults and kids. That's just one of many uses. Thanks Amber - awesome product with new stuff being updated and added frequently." - Helen Doherty, CalendarCandy.com "EVERY mom and every low content creator should run to secure their access…""I couldn't imagine a more useful software than this one. I mean, EVERY mom and every low content creator should run to secure their access. Really easy to use, quick to generate PDFs on demand and not much work involved on my part. In fact, I first grabbed it for my son: No more searching the internet for hours to find suitable coloring and activity pages for my him! No more worries when I hear: "Mom, I'm bored" at a time I'm just not available lol. Plus, there are also pages for busy moms who want to take their mind off…." - Stephanie Gilbert, StephieTheHappyMom.com "This thing totally rocks…""Simply brilliant. The Activity Book Generator from Amber Jalink is an awesome piece of kit that creates, coloring books, activity books, & printables. It's a well-oiled machine. If you can't figure out how to make money with this, you need to find another profession. This thing totally rocks. Big George approved." - George Nieves, Digital Renegade Activity Book Generator helps you create books and printables in seconds… to at the most, under a minute! In fact, there are thousands of images, and thousands of activities to be created for you … in under a minute! What Are You Waiting for? Get Activity Book Generator Now!
40
DSSminer Cloud Mining system DSSminer bitcoin cloud mining service automated hashpower hourly profit calculator Start with a low budget btc payment Affiliate system with 5 percents commission hourly income Holidays support HTTPS site 2 years contract
41
days buy موقع يقدم مجموعة من الشروحات في جميع المجالات و بطريقة سهلة و مبسطة
42
GCMI - Greater Cincinnati Microenterprise Initiative GCMI provides business training, Business Coaching, Access to Capital, and supportive resources to low to moderate income individuals or business owners.
43
#2020 Best Licensed Private Moneylender low Interest Personal Fast Loan [2020] Best Private MoneyLender with Lowest Interest Fast Cash Personal Loan in Singapore. High Approval, Low Income Applicable. Apply Online Instant Cash Advance. Best Voted Private Licensed MoneyLender in Singapore. Low Interest Rate & Flexible Monthly Instalment Legal Personal Loan, Payday Loan. Get Instant Fast Cash Today!
44
LOHA: Lorcan O''Herlihy Architects Award-winning Los Angeles creative architecture and design company, LOHA is committed to producing work of exceptional rigor and projects that express the highest aesthetic, environmental, and social ideals.
45
CCS Early Learning Head Start and Early Head Start Preschool programs for the Mat-Su Valley in Alaska serving Meadow Lakes, Wasilla, Palmer, Sutton and the Chugiak area for low income families, foster children and children with disabilities.
46
Frugal Student - Save - Invest - Retire - Investing on a low income. Investing on a low income.
48
Get help paying court and tribunal fees - GOV.UK Get money off your court or tribunal fees if you do not have much in savings, and get certain benefits or have a low income
50
Sanford Apartments - Huntington Reserve in Lake Mary offers Rental Apartments at Affordable Rates Huntington Reserve Apartments offers a 3 bedroom 2 bath floor plan with many resident amenities.
53
FINCA Microfinance Bank Ltd Nigeria FINCA microfinance bank promotes financial inclusion by offering a suite of products to enable low income entrepreneurs access financial services.
54
Low Income Housing | Lane County | Homes for Good Housing Agency Homes for Good is Lane County''s low-income housing agency. Formerly, HACSA: Housing and Community Services Agency.
55
Kiefair.com DIY cannabis and more | Kiefair.com DIY cannabis and more Welcome to Kiefair.com! You have found our home page. It functions effectively as a table of contents for all the information you can find on this site related to cannabis, art, poetry and more. NEW POSTS ALWAYS ADDED TO THE TOP OF THIS LIST!
57
Senior Consultants Inc. - Home Financial Services, Insurance, Retirement, Estate planning, Special needs, Autism Insurance, Low Cost Term Insurance, Hard to Insure, Group Health, Small Business health, Employee Benefits, Affordable Health Insurance
58
Home - Community Corporation of Santa Monica A Santa Monica-based nonprofit organization, Community Corporation of Santa Monica develops, restores, and manages affordable housing for low- and moderate-income individuals and families.
60
JoLene | Web & Graphic Designer | Photographer | Portland | BLOG JoLene has a passion to help the homeless, she has traveled to all 7 continents by the age of 22 & is currently an accountant for a nonprofit for low income housing in the US. She is full of stories, travel tips, hair advice, finance consulting, web design knowledge and loves to share. Check out her blog or Instagram!
61
Apartments for Rent in Lincoln, NE - MBAApartments.com See photos, maps, video tours, neighborhood information and more for apartments in Lincoln Nebraska.
62
Seven Courts Apartments in Atlanta, GA - Offering 1, 2 and 4 Bedroom Affordable Housing Apartments Seven Courts Apartments, a low and moderate income community in Atlanta Georgia, offers 1, 2 and 4 bedroom floor plans with many resident amenities.
63
RockBottom Mortgage - Discount Mortgage Broker, Low Mortgage Rates We are not like your typical mortgage company whose business model and income structure is based on commissions. We are simply a flat-fee mortgage company offering the lowest rates with the lowest fees as we know this is the biggest and low mortgage rates most important investment people make. Hire us now!
64
Small Business Support | Microenterprise Development | Many Rivers Many Rivers offers small business support. We help people who have low or no income to become self-employed & offer business coaching & financial support
65
FreeD.O.M. Clinic USA - Home We provide free dental, optical, medical care, and mental and behavioral healthcare, for the low income, uninsured, and underinsured in Marion County.
66
Shared Advertising.com - Advertising Business Opportunity Advertising business opportunity to sell advertising to local businesses. Business opportunity, part time, flexible hours. High income business opportunity. Low start up cost. Great work at home business opportunity. Proven, tested, reputable. Marketing business opportunity, work at home, be your own boss. New business opportunity. Advertising sales.
67
Elevation One Group Funding Solutions You Can Count On. Specializing in startup funding, business funding, real estate, commercial loans, and business services.
68
Allegiant Property Management - Home Affordable, low income, apartments for Seniors, Persons with disabilities, as well as subsidized housing in Iowa, Minnesota, & Wisconsin.
69
Home | Dudley Ventures In business almost 20 years, Dudley Ventures and its affiliates have invested over $1.4 billion in tax credit transactions with high community impact.
70
Stratford Capital Group Development | Tysons Corner, VA & Peabody, MA SCG Development is a privately held real estate development firm focused on creating quality affordable and workforce rental communities.
71
Full-Service Property Management Company | Ocean Springs, MS For help when you need it most, turn to our full-service property management company. Contact us in Ocean Springs, MS, to use our property management services.
73
Home The mission of Garrett County Community Action Committee, Inc., is to improve the quality of life for people in need by empowering them to become more self-sufficient and by providing essential services in collaboration and cooperation with partners
74
Welcome to the Living Bread Soup Kitchen INC Website - Welcome to The Living Bread Soup Kitchen Living Bread Soup Kitchen Inc. Serving free meals to hungry people in the Somerset Ky area .Non profit.
75
Save Money & Get Free Stuff - Low Income Relief Welcome to Low Income Relief, where we help millions of low income Americans save money and get free stuff! If you could use a little extra money, we can help!
77
Legal Services NYC Legal Services NYC fights poverty and seeks racial, social, and economic justice for low income New Yorkers. For more than 45 years, we have challenged systemic injustice and helped clients meet basic needs for housing, access to high-quality education, health care, family stability, and income and economic security.
78
Affordable Housing Apartments For Rent, Low Income Housing For Rent Looking for low income affordable housing for families and individuals? Meridian has a large selection of affordable apartments and townhomes for rent in communities designed to meet your needs.
79
National Low Income Housing Coalition We are dedicated solely to achieving socially just public policy that ensures people with the lowest incomes in the United States have affordable and decent homes.
80
PublicHousing.com Affordable and Low Income Housing PublicHousing.com provides affordable and low income housing, apartments, condominiums, and non profit housing assistance. We also provide HUD and Section 8 resources to find housing in your area.
81
Affordable Housing, Rental Homes | RentalHousingDeals.com Find affordable housing and low income apartments on Rental Housing Deals, easy and free application, apply instantly.
82
Retire Early Lifestyle Retire Early Lifestyle is a content based website that appeals to a different kind of person - the person who prizes their independence, values their time, and who doesn''t want to mindlessly follow the crowd.
83
SaferTrader.com | The Monthly Income Machine | Credit Spread Monthly Income |Small Risk. Big Reward. Option credit spreads and Iron Condors are ideal for reliable, low risk/high reward monthly income. See details of "The Monthly Income Machine" technique | Lee Finberg's acclaimed how-to book and program for conservative investors seeking monthly income from options .
84
Affordable New Homes Utah | Utah, Salt Lake, Wasatch, Summit, & Tooele County | SelfHelpHomes.org Self-Help Homes is a Non-Profit that provides affordable new home construction in Utah and allows qualified applicants to build their own houses with their future neighbors.
85
Shelter Listings, Homeless Shelters, Halfway Houses, Housing For Low Income Find homeless shelters, day shelters, halfway houses, housing for low income, affordable permanent housing, using our online housing database.
87
Social Planning Network of Ontario The Social Planning Network of Ontario (SPNO) is a coalition of social planning councils (SPC), community development councils (CDC), resource centres, and planning committees located in various communities throughout Ontario. Each of the individual organizations has their own mandates but are connected in the cause of effecting change on social policies, conditions, and issues.
88
St Andrews & St Brides High School - East Kilbride Welcome to St. Andrew's & St. Brides's High School East Kilbride. Thank you for visiting our website. Our website has lots of information from around the school, curriculum information from each department, pupil support, parish information and much more.
90
TaxCalc - Calculate your tax. 2020-2021 financial year Tax and salary calculator for the 2020-2021 financial year. Also calculates your low income tax offset, HELP, SAPTO, and medicare levy.
91
TerraCom Online TerraCom is your affordable alternative to great home phone service. We maintain the highest quality customer service you deserve. We support Lifeline and Link-Up government supported programs.
92
The Conservative Income Investor | Aside from the usual recommendations to own companies with dominant market positions, strong balance sheets, and high earnings growth, what is something that investors should keep in mind over the next 20+ years of investing that maybe didn't matter as much in the past? My view is that investors should be taking to heart the 1970s recommendations of Peter Drucker who predicted that one of the endings of perpetual technological development is that friction will cease to exist between the original source of a product and the consumer. This means that you should be wary about investing in companies that act as middlemen. Take something like Dick's Sporting Goods (DKS). It's a $5.3 billion company that is divided into 114 million pieces that trade at $47 per share each. It earns a profit of $350 million, or $3.07 per share. The valuation of 15x earnings is pretty low for a company that has ten-year top-line growth of 11.5%, ten-year earnings per share growth of 16.5%, and a valuation of 19-23x earnings during that time. Since the $3 per share IPO in October 2002, the stock has grown a $10,000 investment into $151,000 in just fourteen years. That is especially impressive when you consider that the current valuation of the stock is competitive with the recession-level P/E ratio level and is otherwise the cheapest opportunity to buy Dick's Sporting Goods since the IPO. Yet, when I study Dick's Sporting Goods, there is a limitation on the type of way it should be considered. It's not something like General Electric, Coca-Cola, Colgate-Palmolive, Nestle, or Brown Forman where you can buy the shares, and then set it and collect the dividends for the rest of your life knowing with a high probability that something will be there decades from now. There will come an expiration date for the company because the original source goods--the Nike and Under Armour products that get customers through the door--are now beginning to contact customers directly without the need for a vendor middleman like Dick's Sporting Goods to act as an intermediary to connect Nike shoes and golf clubs to the consumer. At first, I noticed that Nike and Under Armour were beginning to sell their own products directly to consumers online. That was something that would compete with Dick's Sporting Goods, but not necessarily in a mutually exclusive way--it is conceivable to think of a world where Nike and Under Armour's online sales grow while Dick's Sporting Goods also earns a tidy growing profit selling those goods to customers as well. That's because shoes, jackets, shirts, pants, and so on are the type of good you like to see firsthand and get a feel for--it's distinguishable from buying a book on Amazon because there is a certain in-person customization that enough customers will require. But what has bothered me, from the perspective of someone studying the business model at Dick's Sporting Goods, is that Nike and Under Armour have successfully opened their open stores that sell their products directly to consumers. If there is a pair of Nike shoes that you want, why not just go to Nike instead of an intermediary that will have to raise the price enough to own their own keep as well? The coherence of the intermediary's business model takes on a substantial impairment when the end products that a customer desires can be purchased through the end company itself. There are three reasons why a business earns a profit over the long term. You may buy something because it is cheap, you may buy something because it is convenient, and you may buy something because you want the specific product itself. An example of the first category is airlines--unless you belong to a frequent flyer program, you will choose which airline to travel based on price. If Delta tickets cost $139, and Southwest tickets cost $129, you're going to choose Southwest unless there is some other externality weighing on your decision--e.g. maybe you had a bad experience flying Southwest before, maybe the Delta routes are more timely, etc. Absent an intervening externality, price wins out. Convenience is the second moat, and this is the weakest of them all. You might frequent a grocery store because it's by your house--you wouldn't actively choose it based on price, and you don't seek out the grocery store for it's own sake, but it's only a five minute drive away so you go there anyway. And the third type of business is the strongest--when you want the specific product itself. You don't just want shoes--you want Nike shoes. You don't just want soda--you want something sold through Coca-Cola, Pepsi, or Dr. Pepper. You don't just want acetaminophen--you want Johnson & Johnson's Tylenol. Using our Dick's Sporting Goods example, you can see that the profits are built on convenience. People don't want Nike shoes because they bought them at Dick's Sporting Goods; they buy them at Dick's Sporting Goods because that is the most convenient way to get Nike shoes with the immediate knowledge that they fit. This is the type of business model that is the most vulnerable to disruption. It doesn't mean that you shouldn't buy Dick's Sporting Goods--the current price around $47 per share does offer some protection, but it's the kind of company that you may not want to hold beyond five years. A quick 40% pop, or the spotting of a branded company with a similar valuation to Dick's, is enough justification to get out of the company because firms built on convenience exclusively are not inherently meant to be lifetime holdings. This observation usually leads to a follow-up like: So what do you do if you own Wal-Mart stock? There are three things that Wal-Mart has going for it that might distinguish from an investment in a firm like Dick's Sporting Goods. It sells products that don't face competition from the branded source; it has the additional benefit of cost advantages in addition to convenience advantages; and the firm is 50% owned by the Walton family which reduces the inherent conflict of self-interests that exists in a corporation where there is a disunity between management and shareholders. Although Wal-Mart faces convenient and price competition from Amazon, and in some instances, Aldi and Kroger, it still offers enough of a price advantage on a decent number of offerings that it may be the preferred choice of customers not only because it is close by but also because you want to see the oranges and bananas before you buy them and there's probably not a better price if you look elsewhere either. The Wal-Mart business model isn't just built on convenience; it's built on the mixture of cost and convenience. Also, anytime you buy stock in a company, you also face the disadvantage of not fully knowing what's going on inside the company. When you buy a few hundred or a few thousand shares of a billion-dollar corporation, you can't quite measure the management team's survivalist instinct and know the specifics of how that instinct (if it exists) translates into a sound strategy that will serve shareholders well. With the Walton family collectively owning over $100 billion of the company's $214 billion in market value, you can strongly presume that the survivalist instinct exists at the management level (because the Walton family's control of the board permits them to choose officers) so the only unknown is whether the survivalist instinct translates into a strategy that permits shareholders to prosper. It's one set of unknowns instead of a double set of unknowns. The most straightforward way to solve this problem--recognizing that Wal-Mart has a strong cost and convenience advantage but unsure whether it is built to withstand the decades--is to take your Wal-Mart dividends if Wal-Mart is a meaningful position you hold and then invest them in companies that more clearly have generational-holding characteristics. If the Wal-Mart business model is only meant to grow earnings for 23 more years, well, you get at least 92 dividend payments to mitigate that final outcome. But if you're trying to figure out what should be your investing north star for the next two decades, and have concerns about the rate of disruption brought about by technological change, then you should focus on companies where people seek it out to specifically acquire the products that they sell. Strong brands should be your first priority, and can easily fill two thirds of a portfolio. Then, you focus on the low-cost producers in an industry that have some type of cost advantage--companies with the GEICO, Wells Fargo, U.S. Bancorp, Exxon business model. That can take up anywhere from 10% to 30% of your selections. And lastly, you should aim to keep less than 10% of your wealth that is earmarked for long-term business ownership towards those companies that are exclusively about convenience. Those are the businesses most susceptible to shareholder wipeout, and therefore, should be a disfavored investment category.
93
Anishinabe Legal Services Anishinabe Legal Services is a 501(c)(3) nonprofit that provides free civil legal assistance to low-income individuals living on or near the Leech Lake, Red Lake, & White Earth reservations in Northwest Minnesota. We represent clients before tribal courts, state courts, and agencies to help them protect their rights.
94
BeYourself Home Page Good research links for, fun, Internet, Aviation, Careers, real estate, science,and help with things in general.
96
Interfaith Housing Alliance | Building Homes to Build Community IHA is the leading affordable housing developer in our region. Thousands of low to moderate income seniors, working families and individuals have benefited from our programs and services.
99
Run Roadside Jump-start Program Business opportunity for entrepreneurs starting a roadside assistance franchise. We supply contracted work, Training, lockout tools, business models and two streams of income. Working for yourself, 1099 indepe
100
Weed for Good | Weed for Good provides free medical cannabis and education to low income patients who are suffering from chronic and terminal illnesses