How to Pick Who Does Your Bat Rolling

How to spot a novice?

People are sending $200 to $600 bats to companies to get rolled; a lot of that business is conducted on eBay. eBay would be the easiest way to start a bat rolling business. A bat roller can be purchased for around $300 and bam you are in business. The company, if you are lucky, that you bought the bat roller will give you some instructions on how to roll. Those instructions will be vague at best because most companies who sell bat rollers also do roll bats. So now that you have a bat roller all you need to do is put up an ad on eBay and get rolling. Wow that was almost too easy, right? Yes, it is easy to start a bat rolling business. Just like any other business, longevity tells a lot of the story. If a company has been around awhile they will have feedback on eBay or a website.

Feedback is a good thing to go by and a 100% feedback does make a difference. This usually means they at least care about their eBay rating. A website is a big venture and takes a monetary commitment and time. Also advertisement on search engines takes money and time. People who create an eBay ad just to try to make a quick buck will not have any of these things except maybe a good feedback rating with little rolling feedback. I would not trust my bat to someone who rolls bats out of their living room and doesn’t have a commitment to their business. Your bats will be the guinea pigs when going with one of these quick start businesses.

Veteran bat rollers: Now how do I choose?

As I said earlier it takes some capital and time to run a website. In my opinion most rolling companies who run a website have some kind of commitment to what service they are providing. So now the question is; who does it the best or who does it well? There are articles and websites out there that describe rolling bats and what the mechanics are. This would be a great tool to understand what is going on during the process and how it works in order to make an educated decision. Examples of things to look out for are: Rolling only perpendicular does not give the best break in (parallel rolling is needed also), longer parallel rollers put too much stress on composite material at once, or bat rollers with bolts cranks put inconsistent pressure across the rollers. Once you figure out what rolling method is the best you pick a few companies and do some research.

The internet is vast and rolling companies are not under the radar. People who have had good or bad experiences will tend to post comments on various websites. Just type in the company’s name and do some digging. Also you can tell a lot about a company if and when they respond to your emails; I would say after 24 hours is too long of a response time if they want your want business.

The single best tip in order to get a good bat roll is to tell the companies that you have a whole team waiting to get their bat rolled if this one turns out good. Rolling companies will treat your bat like gold with the aspect of getting more business.

Insurance For Continuing Education – All About IRA’s

Individual retirement annuities (IRAs) which are established on an individual basis, allow wage earners to make independent contributions to their own retirement plans. IRAs provide a limited tax deduction for the individual’s contribution as well as interest accumulation on a tax-deferred basis (Instruments other than annuities may be used to establish individual retirement accounts, but our discussion is limited to annuities used for this purpose).

Originally, the purpose of an IRA was to offer retirement savings incentives to people not included in a corporate or employer-sponsored plan. This is still the primary use for an IRA, but some people who are covered by employer plans may establish tax-deductible IRAs as well. Because Congress tinkers with IRAs every few years, the regulations and limitations change from time to time. The purpose of this discussion is to better understand annuities, therefore the following applications of annuities into retirement plans emphasize the position and applicability of the annuities only. However, when annuity premiums are deductible in such a case, it is because of the annuity’s inclusion in the plan rather than the fact that it is, indeed, an annuity.


IRAs are available to every wage earner who is under 70½ years old; after age 70½, individuals may not establish an IRA. Each wage earner is limited to an annual contribution of $2,000 or 100% of earnings, whichever is less. For example, an individual earning a total of $1,500 annually may contribute no more than 100% or $1,500 per year to an IRA. Someone who earns $2,001 or more per year may contribute only the $2,000 maximum rather than 100% of earnings. In addition, the wage earner may make an additional contribution on behalf of a non-employed spouse, in which case the wage earner may contribute up to $4,000 a year or 100% of earnings. The maximum age for participating in an IRA is 70 ½, at which age there must be withdrawals which are specified in the government regulations and which can be taken in a lump sum or spread out over a number of years.


As indicated, any wage earner who contributes to an IRA receives the benefit of earning interest without paying taxes on the earnings until the funds are withdrawn.

Wage earners who are not included in an employer-sponsored qualified retirement plan may deduct the entire amount of the contribution from taxable income for the year the contribution is made. Wage earners who do participate in a qualified retirement plan at their place of employment are also eligible to take a tax deduction for the amount contributed provided they meet Internal Revenue Service guidelines.

A popular use for an individual annuity is as a rollover IRA to receive money from a company-sponsored pension or profit sharing plan. Individuals who leave an employer take with them any such monies in which they are fully vested-which means they own all of their share of the plan. To protect themselves from adverse tax consequences, they must have the funds immediately reinvested in another tax-favored plan. A rollover IRA provides this protection.

At one time, individuals could have possession of such funds for 60 days before rolling the funds into another plan. However, a federal law now states that to avoid all penalties, the corporate plan proceeds must be paid from the former employer’s plan directly into another instrument. If the individual chooses to have a check made payable to him or herself while deciding where to re-invest the money, the employer is required by law to withhold 20% and send it to the government.

The individual still will not be required to pay any taxes if the money is rolled over within 60 days, but there’s a huge hitch in this plan. The individual must roll over the entire amount, which includes the 20% that has been sent to the government. Therefore, the individual must find that 20% somewhere else, add it to the funds actually received, and. roll all of that into the rollover instrument. Not only does the individual get only part of the funds, but if the person cannot pay the additional 20% to make up the entire amount, the 20% already sent to the government is taxed as current income-even though the individual never had access to it.

However, the 20% previously sent to the IRS will be reclaimed on the individual’s tax return, but meanwhile the government has had temporary use of the individual’s money and has also forced the person either to find another 20% to complete the rollover or to pay taxes on money the individual never had because the government took it. A bill has been introduced to repeal this highly unfair law that penalizes anyone who is ill-informed, but as of this writing, the rule applies.

Credit Card Debt Education to Deal With Any Credit Card Situation and Make You a Winner

Everyone is looking for the ultimate credit card debt education so they can deal with any situation that might arise. What they’re finding are the gurus telling them they’ve screwed up with too much debt so start rolling some snowball and everything will be okay. This junk doesn’t work when its 92 degrees and you don’t have a job!

Other so called educators recommend consolidation loans, credit counseling and really weird stuff like bankruptcy because you have a job loss? Can it get any worse?

So here you are with no money, no job and little hope when a pigeon flies directly over your head, bypasses you altogether and leaves a heavy amount of bird droppings on a man wearing a $3000 suit, $6000 gold watch, $2000 Italian shoes and the bird bomb also explodes on his $200,000 Rolls-Royce. To top it all off, he is a banker working with a card company!

There should be some kind of inspiration here. If a bird can make his life miserable then imagine what you could do with a congressional law written for the sole purpose of making banks and card companies throw money at you and beg you not to tell anyone what you know! That could truly be called financial education!

Question is, do you really to want know this stuff? If you can Google then it won’t cost you anything but some time and your brain may hurt from seeing the truth! So, if you’re ready to endure the pain that hurts so good then grab your mouse and use the search term “Frontline – the Chicago debacle” to see how banks started dumping cards on millions of people. They were giving away money!

Alright, if you read the article then you know that Congress was so upset they were about to totally outlaw credit cards! The banks didn’t care about the money because money to fund a card account was created out of thin air so even if people never paid, the bank didn’t lose a cent. The bankers’ idea was to get people believing they were in debt and then keep repaying for the rest of their life!

This money from thin air game had been going on for centuries and you can watch the video Presented at the University Of Colorado School Of Law using the search term “the gig is up – money, the Federal Reserve and you” but be warned, it’s going to make you want to see millions of pigeons hovering over every banker!

In 1966 these furious congressional members wrote the Fair Debt Collection Practices Act so that no individual need ever give these plastic merchants a penny! Since no money was ever loaned you paid on a strictly voluntary basis just to continue to use the plastic but if you chose not to pay The Practices Act made it child’s play to walk away without paying a penny!

Your rights in dealing with collectors is summed up in a government cartoon show you can watch using the search term “FTC debt video” which gives collectors a razor blade thin line to walk on. These congressional lawmakers hated the banks and their credit cards! Modern-day warriors are recording collector calls, letting them violate their rights over the phone and walking away with millions!

Search terms such as “man wins $1.5 million from collector” or “woman sues collector wins $8.1 million” show a small sampling of this law in action. Answering a collection notice with a demand for “proof of debt” becomes a no-brainer for people who have seen the gig and know there is no proof!

Well, now you have the advanced credit card debt education to deal with any situation that may pop up in your life and come out a winner all compliments of a Congress that hated plastic! When those gurus start feeding you a line of garbage about some snowball you know what to do with it; put it on top of your new car so the pigeons don’t mistake you for a banker!

Options Trading Strategies – Rolling

Rolling is defined in options as moving a position from one
strike to another either vertically in the same month,
horizontally to another month or some combination thereof.

Other times, you may have to buy your short call back so that
you will not lose your stock. Sometimes, you may even want to
allow the stock to be called away if you have decided that the
stock has reached a level were you want to take your profits and
begin to look for another opportunity.

The term “roll” means to move your position either out to the
next strike or to move your position up or down a strike in the
same month. The term “roll” means “to move.”

Rolling is normally done via time spread and/or vertical
spreads. Without getting into the trading of spreads, which is a
unique strategy in itself and a topic for future Options
University courses, we will talk a little about the “roll.”

As stated before, the covered call strategy is most effective
when executed month in and month out over an extended period of

In order to do this, an investor must re-initiate the position
every month at the option’s expiration. The re-initiation of the
position every month is where the term rolling comes from.
However, there may be times when you may want to give yourself a
little more upside room for capital appreciation. In those rare
cases, you will not want to “roll” the position, because it
might be called away if the call you sold is exercised when it
becomes ‘in the money.’

When an option’s expiration approaches, your short option can
either be in-the-money or out-of-the-money. As we discuss the
two potential outcomes, let’s first assume that we want to hold
onto our stock.

If the option is going to finish out of the money, you would let
it expire worthless and then sell the next month’s call. If the
option is going to expire in-the-money and you want to keep the
stock you will need to buy the short option back and sell the
next month’s call.

This trade will consist of two option trades. You will be buying
one option and selling another, which is commonly known as a
spread and is referred to as a single trade.

So, when you roll out your covered call or buy-write, you do it
by doing a spread. The front month option, the one that you
happen to be short, will be bought back thus ensuring you keep
your stock.

The second month option will be sold short thus re-initiating
your covered call strategy. The position that remains is long
stock and short calls. As far as the selection process of the
spread used for the rolling of the position, there will be some

Of course, there is no choice as to the front month option, you
must buy back the option you are short. However, you do have a
choice as to the next month option you are going to sell,
whether it be near term or farther out in expiration.

This goes back to our earlier conversation about lean. If you
are no longer bullish then you would not have bought back your
short call and instead allowed it to be exercised and have the
stock called away from you. If you choose to roll the position
then you must be somewhat bullish on the stock. Your lean will
dictate to you which new option to sell.