Ready to direct money away from foreign & domestic enemies of the US Constitution? It’s easy! Sign up for a $19 membership, shop online, save 30-50% on products you and your family use year after year.

There are over 500 organic, safe, healthy everyday products.  These products are exceptional and free from all of the harmful toxic chemicals, additives, growth hormones, antibiotics, preservatives and especially free from nanotechnology. 

Here are the catalogs of over 500 organic, safe USA Manufacturer products and River Bend Beef

*Melaleuca Catalog 

*Sei Bella Catalog 

*Riverbend Ranch Black Label 

Ready for $100 in free products? Schedule a time with me…Eric. Talk to a patriot that loves One Nation Under God and the U.S. Constitution. I’ll show you a 6 minute video of the membership benefits, then consider signing up to shop online.  For your privacy, I will only call at your requested time.  SCHEDULE with Eric > 

https://calendly.com/madeinusapatriots

Husband, Father, USMC Vet, retired
Love restoring Classic Cars
(never fully retired, definitely not a salesman)

Eric & Kimberly Drury

Would you like to receive information and updates via email or phone? Fill out and submit the form below.

Article by: Eric Drury

My current restoration project. 1957 Buick Special. I named her Rustina (for now)… she is going to be a beauty. Look for updated pics of the restoration…coming soon.

Whatever your reason for starting a business, get started Today. Whether you need to pay off debt, want a career change, want to be a stay at home parent, want a vacation and retirement income, now is the time.

I began looking for ways to invest money and build lasting, low risk, retirement income. A business that would allow me to build an additional income around my early retirement income. I learned of a manufacturer that was founded with patriotism and supports the U.S. Constitution, and would allow me to be a part of it’s success while working from home, and even while traveling, it caught my attention. I researched and decided to give it a try and then changed my mind a few times, but then overnight realized that I wanted to get the ball rolling on this and make it happen. And it has proven to be the missing link to continually increase my investment abilities and retirement income. For me, it was a great choice. Interested? I”m here.

Schedule an appointment, and learn more: https://calendly.com/madeinusapatriots or request information via email.

RIVERBEND RANCH BLACK LABEL

TASTE THE DIFFERENCE

THE BLACK LABEL DIFFERENCE

We guarantee that you’ve never experienced anything quite like Riverbend Ranch Black Label Beef. It is a substantial cut above anything in the marketplace! It’s comparable in tenderness and flavor to an $85 steak in a fine New York City steakhouse except that it’s much healthier for you and your family because it has been raised without growth hormones.

Riverbend Ranch Black Label Beef is guaranteed to be USDA Prime or High Choice and guaranteed to be Never Ever! That means it was raised without being treated with hormones and without antibiotics. Riverbend Ranch cattle are raised at high elevations in mountain meadows and are guaranteed to be healthy every single day of their lives. The quality of this beef is exceptional.

Its juicy, melt-in-your-mouth flavor will exceed your greatest expectations. There’s simply nothing like it.

Unrivaled Beef Bundles Direct from the Ranch

• Ribeye+
• Essentials
• 

GROWTH HORMONES

For consumers who are looking for beef that was grown without hormones or antibiotics Riverbend Ranch Beef can provide the answer.

Riverbend Ranch Black Label Beef is grown without added hormones and without antibiotics.

Guaranteed!

Not ever!

What Makes Riverbend Ranch Steaks a Cut Above?

• Flavor
• Quality
• 

Learn more about River Bend Beef

You currently own a fleet of the

l a r g e s t U.S. M i l i t a r y j e t s.

Each one of us has the green light to fly these jets in support of our US Constitution, or let these jets fly into the hands of traitors. It’s called money. Every dollar is a vote. If you want to elect truthful politicians in support of One Nation Under God, and We The People that support the US Constitution, you must keep your fleet out of the hands of the liars who want to dissolve our free speech, and our right to self defense. They know why we want more than a 6 shooter. This is no longer the wild west, we have enemies with fully automatic weapons that could turn on us at any moment. The enemies are those that want to keep you from having the right to speak truth, and take away your guns, all of them, any way they can. They want full control, and gain votes by calling it socialism, globalism, equity, global warming, pro-choice, gender fluid, and say it’s all in the name of peace. But when it’s ran by evil people, it leads to defaming attacks, blackmail, slavery and even death if you are a big enough threat. They will stop at no cost, and suppress or stop all who oppose. The New Americans ancestors fought and died to end slavery, but they seek to put the blame on these ancestors decendents. We have been living in freedom but it has come to a point where evil not only seeks to co-exhist. It is attacking, suppressing and defaming God’s holy spirit, and demanding that they be recognized as truthful and holy. And that kind of freedom eventually leads to chaos. Noah’s Ark, Sodom and Gomorrah chaos. You can’t have truth and lies both fighting to be true. The very definition of what is moral as One Nation Under God is being twisted and flipped upside down. And if we want the truth, moral harmony, we need to stand and be a guiding force in this nation, we are going to have to go against the tyranny that has been established in our governments and media organizations and inbred into the demise of many citizens of the United States. The conversation is over for many. The line is drawn. We are yet free but we must exercise our legal rights, take back what the enemy has stolen, and hold our ground. We are One Nation Under God and we must remain rightous.

Don’t let common energy-wasting habits cost you money. Try these tips to help you save

Laurinda Schenck ● illumination contributor

January 19, 2023

Here are some ways you could be unintentionally wasting energy in your home, and tips for changing your habits to help keep your energy bills as low as possible this winter.  

Seal air leaks

Ten percent to 20% of your heating and cooling costs could be escaping through air leaks. One of the quickest and most affordable energy-saving habits you can do each year is to check windows, doors and vents for air leaks. Make sure the air ducts from your home’s furnace and central air conditioner are properly sealed too. Ducts that leak into the attic or crawl space can substantially increase your heating and cooling bills. Caulking, sealing and weatherstripping these leaks can save on your heating bills. Watch how to do this and other DIY projects that can help you save.

Make the most of your programmable thermostat

The habit of leaving the heat cranked up, especially when you’re away or sleeping, is one that can drive up your energy bill. Heating and cooling accounts for around half of your home’s energy use, so the best way to save money on energy consumption is through a programmable or smart thermostat, making it easy to set a schedule that works for you. The more you can keep the thermostat at your lowest comfortable setting, the more you’ll save on heating costs.

Keep blinds and curtains open during the day, closed at night

Did you know direct sunlight can heat a room 5 degrees or more? Though the weather outside may get frightful, make sure to keep blinds and curtains open during sunny days to let sunlight into your home. This natural heat can allow you to lower your thermostat, reducing heating costs. Be sure to close curtains at night to help insulate and reduce heat loss.

Track your energy use

Are you missing out on an easy opportunity to stay on top of your energy usage and your bill? Our Duke Energy mobile app makes it easy to check your use by week, day or hour – to make adjustments before your bill cycle ends. Learn more and download here.

Get your HVAC system checked

A neglected heating and air conditioning system has to work overtime – using more energy and money to keep the temperature in your home comfortable. Have your system checked regularly to maintain performance. Duke Energy offers qualified customers rebates to help offset the cost of replacing older HVAC units with more energy-efficient ones.

Change furnace air filters regularly

Dirty air filters put more strain on your HVAC system, wasting energy. Like any appliance, an HVAC system works best when it’s clean and maintained. Establish the habit of changing your home’s air filters once a month, or at least every three months.

Clear air vents

Blocked air vents slow down airflow and make your system work harder to distribute air in your home, wasting energy. Make sure they’re not blocked by furniture, carpeting, curtains or other household items. Cleaning dust and pet hair from your vents and air returns helps to ensure your furnace can run efficiently.

Use ceiling fans to circulate warm air

Ceiling fans aren’t just for summer. Did you know they can help to keep you warm in winter? Changing your fan settings to rotate clockwise will push the warmer air downward, helping to warm the room.

Set the water heater thermostat at the right temperature

Behind heating and cooling systems, water heaters are typically the second-biggest source of energy use in the home. Setting the temperature on your water heater to 120 degrees Fahrenheit or even just a few degrees cooler can help you save on energy bills.

More tips

Explore no-cost and low-cost tips that can help you use less energy. Click here for more ways to be more energy efficient during winter and throughout the year.

Assistance for customers in need

Duke Energy is committed to supporting customers and connecting them with assistance and ways to help manage their bills. Share the Light Fund helps people struggling to pay their energy bills. Help may also be available through federal, state and local assistance programs, including the Low-Income Home Energy Assistance Program (LIHEAP).

To contact the Share the Light partner agency in your area to apply: duke-energy.com/ShareTheLight

Residual Income Valuation

The value of a company’s stock equals the present value of future residual incomes discounted at the appropriate cost of equity

Written by CFI Team

What is Residual Income Valuation?

Residual income valuation (also known as residual income model or residual income method) is an equity valuation method that is based on the idea that the value of a company’s stock equals the present value of future residual incomes discounted at the appropriate cost of equity.

Further Analysis of Residual Income Valuation

The main assumption underlying residual income valuation is that the earnings generated by a company must account for the true cost of capital (i.e., both the cost of debt and cost of equity). Although the accounting for net income considers the cost of debt (interest expenses are included in the calculation of net income), it does not take into account the cost of equity since the dividends and other equity distributions are not included in the net income calculation.

Due to the above reason, the net income does not represent the company’s economic profit. Moreover, in some cases, even when a company reports accounting profits, such profits may turn out to be economically unprofitable after the consideration of equity costs.

On the other hand, residual income is the company’s income adjusted for the cost of equity. Remember that the cost of equity is essentially the required rate of return asked by investors as compensation for the opportunity cost and corresponding level of risk. Therefore, the value of a company calculated using the residual income valuation is generally more accurate since it is based on the economic profits of a company.

Benefits of Residual Income Valuation

Generally, residual income valuation is suitable for mature companies that do not give out dividends or follow unpredictable patterns of dividend payments. In this regard, the residual income model is a viable alternative to the dividend discount model (DDM).

Additionally, it works well with companies that do not generate positive cash flows yet. However, an analyst must be aware that such an approach is based mostly on forward-looking assumptions that can be manipulated or are prone to various biases.

Along with the discounted cash flow (DCF) model, residual income valuation is one of the most recognized valuation approaches in the industry. Although the approach is less well-known, the residual income model is widely used in investment research. (Note that residual income valuation is an absolute valuation model that aims to determine a company’s intrinsic value).

How to Calculate a Company’s Value Using the Residual Income Valuation Model?

The first step required to determine the intrinsic value of a company’s stock using residual income valuation is to calculate the future residual incomes of a company.

Recall that residual income is the net income adjusted for the cost of equity. In most cases, the residual income can be calculated as the difference between the net income and equity charge. Mathematically, it can be expressed through the following formula:

Residual Income = Net Income – Equity Charge

Essentially, the equity charge is a deduction from net income accounted for the cost of equity. The equity charge is a multiple of the company’s equity capital and the cost of equity capital. The formula of the equity charge is:

Equity Charge = Equity Capital x Cost of Equity

After the calculation of residual incomes, the intrinsic value of a stock can be determined as the sum of the current book value of the company’s equity and the present value of future residual incomes discounted at the relevant cost of equity. The valuation formula for the residual income model can be expressed in the following way:

Where:

• BV₀ – Current book value of the company’s equity
• RI_t – Residual income of a company at time period t
• r – Cost of equity

Additional Resources

CFI is the official provider of the global Financial Modeling & Valuation Analyst (FMVA)™ certification program, designed to help anyone become a world-class financial analyst. To keep advancing your career, the additional resources below will be useful:

• Cost of Debt
• Dividend Payout Ratio
• Internal Rate of Return (IRR)
• Valuation Methods
• See all valuation resources

Support products that support the U.S. Constitution. Set up a phone appointment with Estate Group Finance LLC to learn what we are doing to help investors build a new channel of residual income and develop passive retirement income. It doesn’t need to be complex, so we made it as simple as possible.

Residual Income vs. Passive Income

The differences are subtle. Residual income may be passive income but passive income isn’t necessarily residual.

In personal finance, passive income may be derived from stock dividends or from renting a room on Airbnb. There was an initial outlay of money to buy the stocks or the house, but a tangential benefit that costs little in additional time or effort has been derived from the initial investment. It is residual income as well as passive income.

• Passive income is earned with little or no effort required after the initial investment.
• Residual income, for an individual, means the free cash available for spending after all obligations are met.

Is Residual Income Taxable?

Yes, almost all residual income is taxable. Maybe the income from some tax-exempt municipal bonds is not taxed. Otherwise, whether you got the tax from stock dividends or renting your spare bedroom, it’s taxable income.

Why Is Residual Income Important?

Residual income is often passive income. Passive income is, by definition, relatively effortless. Stock dividends and bond premiums are examples. To quote legendary investor Warren Buffet: “If you don’t find a way to make money while you sleep, you will work until you die.”

How Do I Calculate My Residual Income?

If you are applying for a loan, your residual income is the amount of money you have to spend after all of your monthly obligations have been paid. This is also called discretionary income.

If you are planning your long-term future, residual income takes on a different meaning. It is the amount of money you generate (or plan to generate in the future) from passive sources such as dividends and interest.

The Bottom Line

Residual income is not free money. It requires an upfront investment of money, hard work, or sweat equity. But once that work is completed, a stream of income has been established that takes little or no effort to maintain.

Interested in building residual income that supports the US Constitution? Request information below.

Become a Discover Cardmember and get a $100 Statement Credit when you make your first purchase within three months. Then, earn rewards with every purchase after that.

Apply in minutes.

HOW WE WILL CALCULATE YOUR BALANCE:

We use a method called “daily balance (including new transactions).”

HOW WE CALCULATE VARIABLE RATES BASED ON THE PRIME RATE:

We use the highest U.S. Prime Rate listed in the online The Wall Street Journal (www.wsj.com) on the last business day of the month. For the purchase APR, we add from 8.74% to 19.74% to the Prime Rate based on your creditworthiness. When we evaluate your creditworthiness, we consider your credit report, all the information you provided and other information. Customers with the best credit profiles receive the lowest rates. Some customers may receive higher rates and may be offered an account with different rates or terms, including no introductory rates but the same cash back rewards offer. For the cash advance APR, we add 21.74% to the Prime Rate.

BALANCE TRANSFERS:

This offer applies to balance transfers that post to your account by 5/10/2023. It takes at least 14 days after your account is opened to process payments to your other accounts. You may cancel a balance transfer at any time prior to that by calling 1-800-347-3085. Continue to make all required payments to your other accounts until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts and do not earn rewards. You may transfer any amount, up to your credit available for transfers, which may be less than your total credit line. If your balance transfer request will exceed your available credit, we will process your transfers for less than the amount requested, in the order requested. You may only make balance transfers to accounts that list you as an accountholder. The minimum payment requirement can cause promotional balances to be paid in full prior to the end of the promotional period. There is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases unless your purchase APR is at a promotional 0% APR. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account, including any balances you transfer under this offer, in full by the first payment due date. See your Cardmember Agreement for details.

PAYMENT ALLOCATION:

We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the minimum payment due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

APPLICATION INFORMATION:

Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. You are eligible to apply for a second Discover credit card account after your first Discover credit card account is opened more than twelve months. You may have a maximum of two Discover credit card accounts. You agree Discover Bank, its affiliates, and agents (“Discover”) may call you, including texts, about any current or future accounts or applications, with respect to all products you have with Discover at any phone number you provide. In addition, you agree Discover may contact you using an automatic dialer or pre-recorded voice message. Message and Data rates may apply. Click here for text terms and conditions and our privacy policy. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18 and older. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of January 31, 2023, and may change after that date. To find out what may have changed after that date, write to us at PO Box 15410, Wilmington, DE 19850-5410. Please allow 30 days for us to process your application.

CREDIT LINE:

Applicants may not request a specific credit line. If you are approved, your credit line will be at least $500 and along with other terms of the account, will be based on a review of the information you provide in this application and your consumer report; it may also include other information we may have bearing on your creditworthiness. Balance transfers made with an application are not considered to be a request for a particular credit line.

CARDMEMBER AGREEMENT:

You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card.

Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

New York Residents: For more information call us at 1-800-347-3085. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit http://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Wisconsin Residents: No agreement, court order or individual statement applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse’s name and address to us at PO Box 15410, Wilmington, DE 19850-5410.

REWARDS:

We will send you full terms and conditions with your card. Earn 5% Cashback Bonus® at different places each quarter up to the quarterly maximum each time you activate. The amount of the cap may change. Click here to see the current 5% program details. 5% category purchases over the quarterly maximum, and all other purchases, earn 1% cash back. You will not earn Cashback Bonus on cash advances, portion of purchases paid with rewards, balance transfers, transfers from Discover checking or other deposit accounts, illegal transactions or any cash you receive in connection with a purchase at the point of sale through our Cash Over feature. For full details about your rewards, call 1-800-347-3085.

Redeem your Cashback Bonus^® – any amount, any time. Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may redeem your Cashback Bonus in any amount, starting at a penny, for a Statement Credit to your Account, as an Electronic Deposit to an eligible checking or savings account that you designate, as a charitable donation to select charities, or Pay with Cashback Bonus at select merchant(s). Visit Discover.com/redeem for a list of current merchant(s). Redeem Cashback Bonus^® for gift cards at popular brands, starting at $5.

We may prevent you from redeeming your rewards based on your account status. Your Account must also not be used for any illegal transactions. We apply security measures before clearing a redemption that may limit your ability to redeem in certain channels or result in a delay. All redemptions are final. If your card is reported lost or stolen, you may not be able to earn or redeem rewards for approximately 24-48 hours.

Cashback Match:

We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned cash back rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Rewards at Amazon.com:

Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.

PayPal:

PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.

FICO^® Credit Score Terms:

Your FICO^® Credit Score, key factors and other credit information are based on data from TransUnion^® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO^® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO^® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

TERMS OF STATEMENT CREDIT OFFER:

You will receive a $100 Statement Credit after making a purchase within three months of account opening. You must apply through your friend’s referral link and be approved by December 31, 2023 in order to be eligible for the $100 Statement Credit offer. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.

Freeze it^®:

When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Discover^® Identity Alerts:

Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian^® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

FREE OVERNIGHT CARD REPLACEMENT:

Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

Online Privacy Protection:

Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. Approximately every 90 days we will scan for your online personal information at 10 select people search sites and submit opt-out requests on your behalf. Types of personal information found on these sites will vary.

Enhancing the lives of those we touch by helping people reach their goals. Melaleuca manufactures and distributes nutritional, pharmaceutical, personal care, facial care, home hygiene, and other wellness products of superior quality, and distributes them direct to the consumer through a full-service catalog and internet shopping system. This convenient system is changing the way hundreds of thousands of people shop today by eliminating middlemen and reducing marketing and distribution costs. This enables the company to spend more on research and high-quality, ecologically sensible ingredients while maintaining reasonable prices.

We provide the opportunity to earn an additional income without large investment, sales or risk.

Website http://www.melaleucajobs.com 

Industries: Wellness and Fitness Services

Company size: 1,001-5,000 employees

Type: Privately Held

Founded: 1985

Continued Growth

Melaleuca was founded in 1985 with just seven employees. Now we employ more than 4,000 Team Members worldwide.

While business was initially conducted only in the United States, Melaleuca gradually expanded its markets internationally. Melaleuca now has operations in Canada, Mexico, China, Hong Kong, Taiwan, Korea, Japan, Malaysia, Singapore, Australia, New Zealand, Ireland, Scotland, England, Netherlands, Germany, Poland, and Austria.

Melaleuca has achieved over 30 record-setting years of growth. We’re the largest online wellness shopping club in North America with over $2 billion in annual sales and growing.