Your Questions About Title Ix

Lizzie asks…

Does Title IX protect a college football player right of sexual identity?

I think I’m gay. I intend to be a D1 QB but I will NOT put up with any harassment.

barry0912 answers:

No, it only allows for the equal opportunity to participate in educational programs regardless of federally protected classes. Neither Sexual Preference nor Sexual/Gender Identity are protected classes under federal law. Some states protect one or the other, but not many. However, many schools have non-discrimination policies that cover those classes.

John asks…

What are peoples opinions on Title IX and how its influenced womens sports today?

barry0912 answers:

Title IX has been miss used.
It was supposed to give women’s sports an equal opportunity.
I take that to mean the same number of scholar athletes, but many interpret that to mean the same amount of money is spent on women and men.
What has happened is many schools have dropped men’s sports while adding women’s sports such as crew and equestrian.
Some want football canceled even though that is normally the one sport that makes money and funds the rest of the athletic program.
There are schools that have dropped men’s sports even though those sports were never a burden to the school, i.e. Golf which was completely funded by private donations was dropped so the 6 men lost their scholarships at no savings to the school.
I believe women should have an equal opportunity to sports, but not to the extent that men must suffer, especially since these people did not participate in past discrimination.

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Your Questions About Low Cost Health Insurance

Chris asks…

Looking for low cost health insurance for middle income women.Any ideas?

My husband job provides health insurance, but it is too expensive for us. I currently have my children on an income based program with Kaiser. Does anyone know of such programs for women?
By the way I live i California.

barry0912 answers:

There are no such programs specifically for women.

Contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. There is no extra charge using an agent.

Thomas asks…

Low cost health insurance, where can I find some?

I am able to squeeze 150 dollars out of our family budget for a monthly health insurance. I would like to be able to choose a doctor. I live in Florida. I’d like any help and information.

barry0912 answers:

Hi, how are you? My mother’s name is Sara[h].

I know of an affordable program that may help you and your family. It’s “discount” program for dental and medical needs with savings up to 80% for under $40.00/ month.

This includes dental, prescription, vision, medical and chiropractic services.

Check out the web site below for more details you can also look for a list of providers in your area via the web site.

Http://www.everyonebenefits.com/jrogers

I wish the best for you and your family.

Take care,
Juanita

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Your Questions About Low Cost Dental Insurance

John asks…

Is there a low cost medical/dental Insurance company anywhere in Michigan or worldwide?

I haven’t had insurance Since I was 18. im 27 now. It really sucks. Im a stay at home Step mother ( well.. step girlfriend ).. and I have no income. My boyfriend has a really good job and he supports me. but we arent married so I cant be on his insurance.

Anyone have any info for me?

barry0912 answers:

I have a discount medical benefits plan, it helps me save on my doctor’s visits, lab work, and good savings on my dental work. It is not insurance, but the savings are good. The website should have more info for you….. Http://www.wehavebenefits.com

Donna asks…

What is the best, low cost health/dental insurance for a college student?

barry0912 answers:

Low cost won’t be the best it seems, but check yourself

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Your Questions About Internet Marketing Forum

Donald asks…

How Can i start my own profit business online and retail?

Trying to take advantage of an open market during this recession by investing little of five thousand dollars. Searching for a market to expand an idea for my own enterprise. I am wondering where should i look for it legally without being scam by fake ads? What other legal site offers you the best idea to run both online and retail? Also how to find ways to get product into your business?

barry0912 answers:

My husband is a member of an Internet marketing community called Wealthy Affiliate. It is like a school for internet marketers.
There are a lot of people in it that know what they are doing and everybody is trying to help each other. You can learn so much there. The forums, the support, the coaching, all the information they provide you with. You can find the right answers for most of your questions regarding starting an online business, advertising, etc. It is a great program.
Check it out if you want to… I guarantee you will not regret it: http://www.wealthyaffiliate.com?a_aid=jV6Ylqvy

Mary asks…

I would like to learn more about the stock market, can someone tell me where to start?

I am interested in the goings on of the stock market. I would like to know how to decipher everything and possibly do some informed investing on my own. Can someone show me where to begin learning about it?

barry0912 answers:

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. If you are like most people you will invest part of your money aggressively in stocks, and part conservatively in money market funds and bond funds. Vanguard has an on-line questionnaire which will give you an idea of how to do “Asset Allocation,” determining how much to put in each type of fund.

You want to buy a diversified portfolio of stocks as individual stocks are too risky. Highly knowleadgable people can buy a properly balanced portfolio, but most folks have a difficult time balancing things on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Back in 2000, Some people bought all internet stocks; they got burnt when they all crashed together. You have to diversify across industries. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. And ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:
http://www.vanguard.com/VGApp/hnw/planningeducation
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetallocation.htm
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin_investing
http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://personal.vanguard.com/VGApp/hnw/FundsInvQuestionnaire?cbdInitTransUrl=https%3A//flagship.vanguard.com/VGApp/hnw/planningeducation/education
https://ais2.tiaa-cref.org/cgi-bin/WebObjects.exe/DTAssetAlcEval
http://www.ifa.com/SurveyNET/index.aspx

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)

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Your Questions About Internet Marketing News

Sandra asks…

How to get basic understanding about stock market?

What do you think the best way for me will be to get basic, beginners understanding about the share market?

I want to put some money into some shares and have done for quite some time but I have no idea about it. Reading? Which books? Jump straight into the deep end and just buy some shares and learn that way? Watch the market section of the news?

Thanks

barry0912 answers:

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. If you are like most people you will invest part of your money aggressively in stocks, and part conservatively in money market funds and bond funds. However, some young people will go all stocks, and some very conservative people will go all money markets. The links below have on-line questionnaires which will give you an idea of how to do “Asset Allocation,” determining how much to put in each type of investment.

You want to buy a diversified portfolio of stocks as individual stocks are too risky. Highly knowledgeable people can buy a properly balanced portfolio, but most folks have a difficult time balancing things on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Back in 2000, Some people bought all Internet stocks; they got burnt when they all crashed together. You have to diversify across industries. Unless you know what you are doing, it is best to buy mutual funds that will diversify for you. Buy no-load, low cost funds. Mutual funds should have expense ratios of less than 0.5%.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. And ~20-30% in a foreign stock index fund. The Vanguard Total Bond Market Index Fund is good for a bond fund. The Vanguard Target Retirement funds can be good all-in-one stock and bond funds for an IRA. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

I will warn you that there is a tremendous amount of stock investing books and websites that teach stock investing strategies that don’t work. Particularly bad are people that teach “technical analysis” systems that sound impressive, but don’t work.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Linda asks…

Cheapest place to find a good stihl weedeater on internet?

I am looking for a stihl weedeater on the internet.
I live in a really small town and I have looked on craigslist and the closest one is about 5 hours away…So yes i know what that website is but I live in a small town and people don’t sale them at garage sales or put them on craigslist.

barry0912 answers:

Well first, even though i imagine you could find a decent STHL on the internet, but your question clearly says cheapest. Thus i recommend these 3 ways
1.) Local garage sales
2.)Outdoor or indoor swap meet or open air market
3.)look in news paper, penny saver,or local thrift stores

you could also try Craigslist but that’s a pretty scary venture. Too bad your not in Northern California, i have two neighbors that are tree trimmers and have 5 or 6 laying around.

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