Wednesday, August 27, 2014

"It's all about YOU"

Welcome to NX for YOU eMagazine, presented by the NetworkXchange.Ws! 

NX for YOU online eMagazine is comprised of various blogs created and developed by our outstanding "A List" of members.  Our aim is to spread a wealth of knowledge from our expert affiliates, while promoting business notoriety.

NX for YOU eMagazine will grow your business, boost your company's branding and broaden your business network while "making the right connections!"  

Join NX for YOU eMagazine and add your blog today!

Blessings, Donna J. Dungee CEO


Non-Profit Organization of the Week

The ALS Association is the only national non-profit organization fighting Lou Gehrig’s Disease on every front.  By leading the way in global research, providing assistance for people with ALS through a nationwide network of chapters, coordinating multidisciplinary care through Certified Treatment Centers of Excellence, and fostering government partnerships, The Association
builds hope and enhances quality of life while aggressively searching for new treatments and a cure. 

For more information about The ALS Association, visit website at


Do I need a Will or a Trust?

Often times a person wonders whether they need a Will or a Trust.  In most instances, a Trust provides the better protection.  Here are the things you need to consider:

A Will only becomes effective upon death.  Therefore, it does not take care of things such as mental incompetency, etc.  A living Trust becomes effective immediately when you sign it, so it can handle what happens in the event of disability.  This can keep you out of a conservator-ship situation.

In the state of California, if you have more than $150,000 in gross assets, then you definitely should have a living Trust.  It will keep you out of a probate situation.  Probates are drawn out and costly.

If you have real estate, you should have a living Trust.  Owning real estate will normally trigger some type of probate action unless you have a Trust.  If you own real estate in multiple states, you definitely should have a Trust unless you want to go through probate in multiple states.

If you have minor children, you should have a living Trust.  If you have a Will or have done no planning at all, a Court or insurance company will not distribute assets to a minor.  This means that guardian-ships would have to be set up in the Court and then the Court would control that money until the minor turns age 18.  

When the minor turns age 18, then the Court releases the money to the 18 year old, most parents think that age is too young.  You can keep it out of the Court house and control distributions by placing the assets into a living Trust for the minor’s benefit.

A Professional Corporation
Suzanne M. Graves
Attorney & Counselor at Law


In this issue of Financial Finites, the topic of tangible is of utmost importance.  Tangibles, which are gold, silver, oil and food.  Specifically we will place emphasis on silver and gold.

Rather than save cash, invest in gold and silver.  Cash and/or paper money has no comparison in value.  Paper money is and has always been a promissory note form of payment, which holds very little value.

The only time, when saving cash would be a benefit, is to learn how to be an options trader – in which, we will discuss in future issues.

As far as proper investment ratio’s, tangible yield an overall 25%!

Please find the following breakdown:

Equities                  5%
Real Estate             40%
Precious Metals      25%
Oil                         20%
Cash                      10%

Silver and gold is a simple and worthwhile form of investment. If enough is accumulated, one can go anywhere in the world and purchase property, food, or anything else needed for survival.  No paperwork or qualifications of a loan required.

In the event of a unforeseen emergency, or if you need a loan (usually a 1-2 week process and credit approval), could be the difference of life or death.  

In the upcoming issues of NX for YOU eMagazine, we will discuss further the importance of tangibles, worldwide investments of tangibles, how to get started investing in tangibles and how to keep your investment secure.

Donna J. Dungee
CEO and Financial Planner


This video has reached over 30 million people and probably created enough happy tears to fill a swimming pool.

In just 4 minutes this will completely restore your faith in humankind.

Restore your faith in Humanity

Scott Charlton
Dave Barragan


Time after Time

Pictures capture moments in time and serve as mementos of the things we’ve experienced, people we’ve met, and places we’ve been. In today’s world we use digital technology to do what simple sunlight and light sensitive chemicals have been doing since the invention of the camera. With advances in modern photography new techniques to preserve history have been created.

Time-lapse photography is a cinematography technique whereby the frequency at which film frames are captured (aka the frame rate) is much lower than that which will be used to play the sequence back.  When you replay this sequence at normal speed, time appears to be moving faster and lapsing. Essentially, time is being manipulated.This technique is wonderful for creating an engaging sense of motion and process.

At Dream Shore Studios we use this technique to display the majestic qualities of real estate properties throughout Southern California. Rolling clouds over hills viewed from a bedroom balcony, bustling sea vessels pulling in and out of a harbor near your port condo, and busy downtown streets are some of the tapestries we capture using time-lapse photography that make your listings stand out and make potential buyers take a second glance when searching for their next home. 

Jamar Williams
CEO & Operations Manager
Dream Shore Studios
"Your Vision. Our Lens."


Loving Hut USA | Vegan Cuisine

Loving Hut is the largest family of vegan restaurants in the world and is the winner of VegNews 2010 Favorite Vegan Restaurant award. We have more than 200 locations spanning across multiple countries in Asia, Australia, Europe, North America and South America. In the USA, over 40 outlets have been established in major cities including Atlanta, Chicago, Cincinnati, Honolulu, Houston, Los Angeles, New York, Orlando, Phoenix, Portland, and San Francisco. 

Loving Hut is created with the vision that all beings can live in peace, love and harmony with each other. All of our menu items are made with only wholesome, plant-based ingredients. Each Loving Hut is individually owned, with the autonomy to choose its own menu, thus giving a distinctive difference among all of our locations. 

Loving Hut believes that a plant-based diet is healthier, more compassionate, and is the only sustainable diet for the whole planet. We invite you to the world of delicious vegan cuisine. 

Bon app├ętit!


Understanding Your Credit Scores:  Part 2

In part 1, we covered the basics of your personal credit scores and the importance of maintaining good credit. Today, I plan to cover a brief explanation of the major factors on  how the 3 bureaus, (Experian, Equifax, and Trans Union), determine and calculate your credit scores. Please note that your creditors do not report to all 3 bureaus all the time, which is why scores may vary by a large margin sometimes. A score of 720 or above is considered a very good credit score.

There are 5 factors that make up your credit score, and each factor weighs differently on your score. 

Here is the breakdown 35% of your score is based on Payment History: The biggest chunk of your score, payment history, tells lenders how you pay your bills. Late payments, past due accounts, and public records such as bankruptcy can seriously hurt your score.

30% of the score is based on Amounts Owed:  This is the second biggest factor affecting your credit score. This factor takes into account how much is owed on all accounts, how many accounts carry a balance, and what percentage of your available credit are you using.

10% of your score is based on New Credit:  This factor includes the number of recently opened accounts, the number of credit inquiries, how often you apply for credit, and the time since each account was opened.

15% of the score is based on Length of Credit History: This factor scores you on how long you have had credit, the time since you opened an account, and the time since recent account activity.

10% of the score is based on Types of Credit Used:  A mix of credit is the best way to develop a good score. The most important consideration is to be picky about the credit you apply for. For instance, and most people don’t realize this, but third party financed credit cards (i.e. department stores ) are considered to be particularly low quality credit as the holder of such cards can appear desperate for credit , to the scoring system.
    So there you have it...the basics on how your scores are determined.

Joey Greenwood

Wednesday, August 20, 2014

"It's all about YOU"

Welcome to NX for YOU eMagazine, presented by the NetworkXchange.Ws! 

NX for YOU online eMagazine is comprised of various blogs created and developed by our outstanding "A List" of members.  Our aim is to spread a wealth of knowledge from our expert affiliates, while promoting business notoriety.

NX for YOU eMagazine will grow your business, boost your company's branding and broaden your business network while "making the right connections!"  

Join NX for YOU eMagazine and add your blog to today!

Blessings, Donna J. Dungee CEO 



Do I need to have an Estate Plan?

Historically, estate planning has been about planning for death and taxes. No wonder no one wants to do it! Estate planning is no longer about just planning for death and taxes. For people who are not concerned about who gets what after their death, you can rest assured that your state legislature will have a plan for you. 

If you feel confident that nothing will ever go wrong in your family, you may not need to plan.  If you are sure your spouse will live comfortably after you die, you may not need to plan.  If you are sure your children will never get divorced or will never get sued, you may not need to plan.  If you are sure your grandchildren will not need your help to get a college education, you may not need to plan.

Let’s face it, most of us do need to plan.  If you want to protect our loved ones and provide for their future as best you can, then you do need a plan. Proper estate planning is no longer about how much wealth you have accumulated, it’s about what and who are important to you.

For instance, let’s say there is a widow with two grown children who has nothing but a house and $200,000 in life insurance.  What if that widow’s son has a drug and alcohol problem?  Wouldn't she be concerned about him using up any amount she leaves him for drugs and alcohol?  Wouldn't she feel better if she were leaving money to him in such a way that he couldn't use the money for drugs and alcohol but, the money could be used for his rehabilitation?  It’s not about having a large estate; it’s about providing a sense of comfort and well-being for you and your family. 

An estate is never too small to plan for proper planning.

A Professional Corporation
Suzanne M. Graves
Attorney & Counselor at Law


In today’s economy, most everyone, is interested in how to rectify their current financial situation and to finally “get ahead “of the financial tug-a-war.  In this issue, we will begin to uncover the many steps of becoming financially free! 

What does financially free mean? It means to not worry and/or be concerned about having enough money for the immediate needs - food, clothing, shelter.  After the immediate needs are met, we then focus on what matters most- having enough money to support our family, health insurance, pay bills, life insurance and of course, retirement. Vacations are an extremely important component, as well as proper investments.

We will discover how finances are affected by our emotions, family values and spiritual back round, in which, have a direct result of our financial making decisions. We will learn about investments, stocks, bonds, mutual funds, tangibles (silver and gold), IRA Roth accounts, 401K Solo plans, creating a financial portfolio, Tax strategies and simple methods of cutting corners in your household budget.

Financial Finites will act as an ongoing pool of knowledge to aid in various strategies to gain financial wealth and to uncover our misconceived ideas/thoughts about money. 

You will learn to execute plans of prosperity. By encompassing the knowledge of many financial experts, our hope is to benefit you and your families.  So stay tuned, share with your friends, the steps on becoming financial free!     

Donna J. Dungee, 
CEO and Financial Planner
JDJ Solutions, Inc


Join Our Family! We are making it easier to support Pet Rescues by
making it easier for customers to find you!

We even made it a non-profit, ensuring that the pets are at the center of everything we do! Help Us, Help You!

Your donations are the foundation for everything we do supporting both the pet rescue payouts and technology upgrades too! In return for your generous donations, here is our gift to you.

Our Advertising is Your Advertising!

Everything we say and do is intended to send more Customers to YOU!

We are putting Your Brand in palm of THEIR hand -You never know when your next customer is driving through!

* Check-In Fur Charity and Membership.  Customers are looking for it and the pet rescues are depending on it too.

 Your donation gives you access and proves you truly support pet rescue!

* Paperless Coupons & Loyalty Programs

Give them a reward for choosing you, along with a reason to keep coming designed specifically or pet businesses, like you!

The Perfect Tax Deduction

Where else can you write off your advertising and support a worthy cause too.

It’s a Pet Tax Shelter. You can’t afford NOT to!

Dave Barragan


Creating a good first impression can be invaluable.  According to psychologists, we form an impression of a person in less than 20 seconds of meeting them, the same is true when viewing a home.

Over 90% of new home buyers view houses that they find on the internet and the properties that offer the best visual stimulation tend to generate the most leads.

At Dream Shore Studios LLC., a San Diego video production company, we understand the importance of creating a great first impression.

We work with real estate agents to create virtual tours and walk through videos that immerse the online customer within the property and increase the likelihood of them contacting the agent. 

Customizable, creative, and effective, we tailor our services to capture your vision and leave the best first impression possible.

Jamar Williams
CEO & Operations Manager
Dream Shore Studios


Understanding Your Credit Scores:

Welcome to an ongoing series on the importance of your credit, building good credit and maintaining good credit. To better understand credit it is important to understand your FICO score.

For over 20 years the FICO scoring system has been a trusted solution for US lenders, to help them in making decisions in offering you the best interest rate loans, rebates, and premium credit cards. 

FICO stands for Fair Isaac & Company also known as Fair Isaac Corporation.

"It is important to know that your FICO score is used to estimate your level of future credit risk." 

Therefore your credit score influences the credit made available to you, the terms and interest rate, etc., that a lender will offer you. It is a vital part of your credit health.

There are 3 different agencies that report your FICO scores. They are Equifax, Experian, and Trans Union. 

FICO score is calculated by a mathematical equation that evaluates many types of information from your credit report.  This is done by computing this information and comparing it to patterns of hundreds of thousands of past credit reports.

Your FICO score can range from 300 to 850 points. If your scores show a large variation, it is because they have received different information, but if they receive the same information, your scores will be almost the same on all 3 bureaus.

Joey Greenwood