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 | What Millennials Really Want? "Home Based Business" There's a reason why market executives are so obsessed with millennials,they are the single largest generation alive today. There's between 90 to 92 million,millennials,and this spells opportunity!It makes sense therefore,to try tapping into this market segment.The only problem with millennials is their extremely unpredictable behavior,It is quiet common to find young people subscribing to their favorite brands and discussing them online.Millennials are obsessed with social media.when it comes to style and fashion.Millennials don't like over-the-top designs-social media-allows millennials, to keep track of all the latest fashion trends and build their own unique identity, around their newly acquired online(fashion to emphasize comfort wear), Fashion has always been social.The definition of "social" has been for century and now the expansion is truly visible. Millennials do not ask friends for their opinion what to wear. or where to buy.They read fashion blogs.and sift photos on Pinterest. Who wear what... The most influencer brands, outspoken fashion role models and fashion activists have spread marketing campaigns with powerful messages An example would be Gucci's Instagram content, which is currently among the most discussed fashion-related topics on the internet. Millennials want to strike a healthy balance between uniqueness and being part of the crowd.The trend of DIY!if you can do it,so can I.We find that millennials like poking their noses into every industry.Their preference to take matters into their own hands interferes with virtually every facet of life. They want to repair their own computers, air conditioners,and even create their own businesses. create clothing fashion brand.Crowd platforms such as Kickstarter and Indiegogo allow millennials to become their own bosses.call them entrepreneurs for hire,which befits the slogan 'for the people, by the people'.they keep an eye out for companies which take an active part in advocacy projects to empower poor communities by creating opportunities.The ability to make a difference while standing out from the crowd is what drives millennials into thinking out of the box." https://ezinearticles.com/?cat=Home-Based-Business Article Source: http://EzineArticles.com/9975412 View 1 Like(s) |
 | Warren Buffett's Rules for Investing Inspire REAL Wellness Rules for Thriving and Flourishing By [https://EzineArticles.com/expert/Donald_Ardell/893159]Donald Ardell Introduction: Financial and Personal Investing Warren Buffett and I have something in common. We are both unofficially, arguably and more or less fondly known as The Greatest, he as the world's greatest stock investor, I as the world's greatest REAL wellness authority. (So far, I'm the only person writing about REAL wellness, which puts me at the head of this impressive category.) Warren is the CEO of Berkshire Hathaway - he has $85 billion in his bank accounts; I have not founded anything, my bank accounts are more modest than Mr. Buffett's but uncannily, Mr. Buffett's views on investing parallel my own on matters of wellbeing. I'll explain how my views on health-related matters mirror Warren's convictions about investing in stocks. Well, if not quite mirror, then certainly bear a vague resemblance if you look hard enough for such confluence. I believe the best way to thrive and flourish, and to do so with minimal reliance on doctors, drugs and medical treatments, is to understand and adhere to a REAL wellness lifestyle. The REAL in REAL wellness is an acronym, representing the dimensions of reason, exuberance, athleticism and liberty. A set of lifestyle principles in each of these four dimensions complement Warren Buffett's rules for investing. Rules for Investments of Two Kinds I discovered this alignment in good part by virtue of my personal acquaintance with The Greatest authority on the Sage of Omaha, namely Robert P. Miles. Bob is the author of top-selling books about Mr. Buffett, including The Warren Buffett CEO: Secrets From the Berkshire Hathaway Managers and 101 Reasons To Own the World's Greatest Investment: Warren Buffett's Berkshire Hathaway. My impressions of the link between Mr. Buffett's rules and my ideas about REAL wellness were also supplemented somewhat by two short investment articles. One was Stephanie Loiacono's Rules That Warren Buffett Lives By (Investopedia, June 24, 2019), the other Seth Spears Warren Buffett's Ten Rules of Success (Spears Marketing, January 23, 2012). There are many investment rules attributable to Mr. Buffett, many of which he actually expressed. Let's look at these genuine rules that are most reflective of and consistent with REAL wellness principles. I'll state ten Buffett rules, then comment on each. Rule No. 1: Never lose money. In the case of REAL wellness, do all you can to never lose your health. This rule cannot be left to chance. You can't do much about many of the primary factors that affect your wellbeing (e.g, biology, culture and environment), but a positive health enhancing lifestyle is in your hands. Rule No. 2: Never forget rule No. 1. Ditto REAL wellness. Rule No. 3: If the business does well, the stock eventually follows. If your culture and environment are supportive (i.e., friends and family model healthful lifestyle attitudes and behaviors, you are likely to follow suit. Choose friends wisely and, if necessary, put distance between yourself and oafish, course or behavioral hooligan relatives. Rule No. 4: The most important quality for an investor is temperament, not intellect. To thrive and flourish, focus on emotional and psychological attitudes and beliefs that promote serenity, adaptability and plentiful exuberance. Rule No. 5: The stock market will experience swings - stay focused on investment goals and remain steadfast during market turbulence. Life is shaped by random events; control what you can with wise personal choices, knowing setbacks will visit even the most conscious and prudent among us. Rule No. 6. Reinvest your profits. This rule implies taking care to protect your assets, that is, avoid risking capital needed for the common wants of living well. From a wellness view, the lesson is don't jeopardize foundation resources (e.g., physical mobility) with thrill-seeking for momentary gratifications. This, of course, is difficult to impossible for the very young and most teenagers, but for settled adults it's doable and wise. In old age especially, guard against momentarily attractive excesses (e.g., wild parties, drugs, excess alcohol and associations with shady or deplorable characters). Rule No. 7. Be willing to be different. Don't hoard your insights and ideas on matters consequential. Exercise your right to discuss all matters of momentous, grave and material. Do so with frankness, skill and consideration of varied audiences. Identify the nature and soundness of your unpopular opinions, and then be different at strategic times, or just have fun with your mates, especially on matters tied to politics, sex and religion. Rule No. 8. Be decisive. Mr. Buffett puts it this way: never suck your thumb. This of course means support yourself after you have made choices, eschewing inordinate or boundless mulling to the point of paralysis. Such sulking leads to disorienting stress, loss of opportunity and/or the appearance of being fearful and weak. Even when decisions prove dubious or worse, if you acted on the best available information, your errant choices deserve (self) respect. Learn from experiences good and otherwise and move forward, wiser and steadfast, resolute and unflinching. Rule No. 9: Be Persistent. Cultivate tenacity and ingenuity. If it were easy to think critically, overcome dogmas, resist flimflam artists, scammers and superstitions, live exuberantly with ample joy and meaning, dine well (healthfully) most of time, look good and be fit and live pretty much the kind of life you cherish, who then who would not do so? Not many. Living well in a manner that optimizes wellbeing and enables thriving and flourishing requires that Mr. Buffett's 9th rule for persistence in investing be applied to how you live. That is, you must be decisive - do what you must to cultivate tenacity while guide yourself with ingenuity in ways both mental and physical. Rule No. 10. Know what success really means. How will you understand if you are sick or well, happy or sad, a success or failure, fit or unfit, alive or nearly dead unless you have a clear sense of what it means to be on the brighter side of these and other dichotomies? Develop an inquisitive nature about the meaning of superb health beyond mediocre norms. Seek insights on what is possible regarding your exercise capabilities, given your age, current functional state, resources and general situation - then assess ways to transcend just getting by, in a state or low-level normalcy, like most others you observe. Discover the nature of exceptional functioning and the multiplicity of ways to move further along in the direction of high capacity living. Summary Mr. Buffett fully understands that even with the mind-bending quantity of riches in his personal accounts, the quality of his existence is not thus measured. Instead, his success derives from decades of disbursing resources that mitigate global problems, allay miseries and enable opportunities for the many. Ultimately, it is the manner in which he uses his capacities and the unique role he plays in life that reflects his inestimable persona, the most valued element of worth and merit. If you want to draw attention to your ideas, find someone with whom you can link to them. In doing so, you will appear more sensible than you really are. I don't wish to boast about this, but I don't think I could have adopted a better model for REAL wellness rules than Warren Buffett. I hope he won't mind. (Postscript - Response from Robert P. Miles): I've often thought that Don Ardell and Warren Buffett are brothers from different mothers. While you and Warren don't share nutrition (he drinks six cherry cokes per day, doesn't like vegetables, exercise or water - he favors See's Chocolates and Dairy Queen sundaes - 300 to 600 calories), you two nonetheless have many things in common. You both are octogenarians, have younger wives, are politically like-minded, frugal, agnostic, unconventional thinkers, ravenous readers, excellent communicators and seem to be squeezing every drop out of life or, as your idol Ingersoll advised, suck the orange of life dry. Finally, I suspect that you might both prefer, when the end comes at last and a parade of celebrants file by your respective caskets, that nobody suggests that Warren was the wealthiest, or Don was the fittest, but rather that Warren and Don were certainly among the oldest. Article Source: [http://EzineArticles.com/?Warren-Buffetts-Rules-for-Investing-Inspire-REAL-Wellness-Rules-for-Thriving-and-Flourishing&id=10140963] Warren Buffett's Rules for Investing Inspire REAL Wellness Rules for Thriving and Flourishing |
 | Do You Spend What You Make? By [https://EzineArticles.com/expert/Karen_Rittenhouse/353660]Karen Rittenhouse Most of us would like more money at the end of the month and there are 2 ways to get there: 1. Make more money 2. Spend less From everyday conversations, it seems that more people focus on making more money (and most have no clue how to do that) but far fewer focus on spending less. Now, my question was - "Do You Spend What You Make" - but plenty of people spend even more than they make. That's a sad place to be. Do you keep track of your spending? Do you know where your money goes? That's the first step to having more at the end of the month. You can't cut back if you don't know where you're spending. I consider my husband and myself to be fairly conservative spending except for 2 "minor" areas of our lives - our house and our cars. Oops. The house was way beyond our means at the time we moved in but, as real estate investors, we tripped over a deal that was too good to be true and could get into it with no money down. How could we pass it up? Long story short, we didn't. So the house can be explained. The cars? We "wanted" luxury and comfort. We don't need all that, but it was sure nice to get it when we wanted it. It's the American way, right? We're just doing what all the commercials tell us to do because, after all, we've earned it; we deserve it... Well, lately, I've been reading a lot of posts and articles about FI (Financial Independence) and a ton of 30 somethings are working hard - and smart - toward FI while still in their 30s! That would have been half a lifetime ago for me, but it has definitely gotten me thinking and talking about FI with my husband. So, here's the thing: We make more than enough to live well without working much going forward. However, we spend most of it every month. Do we need to? No. Since the majority of our earnings goes toward the house we live in and the cars we drive, we can change that. But do we want to? Another very serious place for consideration. Naturally, I want to live better and work less, but that's not an option. Today, I can live better or work less. My contemplation is which will I pick. Have you ever focused on your financial independence and how to get there? Or do you focus on a better lifestyle? Which will you put first? My name is Karen Rittenhouse and I've been investing in real estate full time since 2004. We currently buy about 60 houses per year, 80 percent of which we wholesale. Our current goal is to use that income to pay off all of our hold properties. Please check out my blog - http://www.KarensPerspective.com I also coach and train anyone interested learning about investing in real estate. Article Source: [http://EzineArticles.com/?Do-You-Spend-What-You-Make?&id=10032935] Do You Spend What You Make? |
 | Moving Into Business and Investor Quadrants By [https://EzineArticles.com/expert/Rizwanaa_Shaikh/2482845]Rizwanaa Shaikh As some people must have the knowledge of cashflow quadrants, I would like to talk about further on the same subject. My today's article discusses moving from E and S quadrants to B and I quadrants. E Quadrant: You have a job and works as an employee for a company/organization S Quadrant: You are self-employed and own your job or a small-scale business B Quadrant: You are a business owner and have a team to work for you I Quadrant: You invest money in different businesses and money works for you First of all, we need to know that coming out of E and S quadrants and moving into B and I quadrants is really a gruesome, nerve-testing, and toiling life endeavor. We all want to have a luxury life but luxuries have a high price. Everyone of us is not capable of paying such a huge price. That is why; so little number of people is enjoying luxury life. No one would have been poor and unsuccessful, had it been such an easy job. So, the point of my discussion is: how to move from E and S quadrants to the luxury life of B and I quadrants? Let's have a look at it: All of us, definitely, are not so rich and wealthy that we can easily start a business and invest money. Getting into a business and running it successfully is a hard nut to crack. Business persons and investors have to deal with challenging tasks and circumstances every now and then. Not all of us are capable of such nerve-shattering challenges. Business and investment are two types of mindset. These mindsets require very different kind of training, thinking patterns, power of decision-making, patience, and endurance level. These qualities can be possessed by a leader only. Therefore, one need to learn how to lead, first of all. But even before this, one need to learn to follow a good leader. When you follow a leader, you start nurturing the same qualities. Choose a leader for you, spend time in his/her company, and develop the leadership qualities in your own self. This will be your mental and emotional training. Alongside, you will also explore the ways how can you enter into business and investment. One of the easiest ways of getting into the luxury quadrants is to join a direct selling and network marketing business. Search out which direct selling and network marketing companies are operating in your city/state/country. Anyway, we come back to our subject: moving into Business and Investor quadrants. One thing I must recommend: • Don't quit your job for getting into business if you have no other source of income. Your job is giving you a steady monthly income. Keep that income coming. Alongside, plan out about having higher academic qualification; saving money for business and investment; and most of all, start your training for how to get into a business. You can have guidance from the above paragraphs for how to train yourself for business. • Involve your family and spouse into your business and investment plans if you feel they are supportive and encouraging. The backing will be a great source of encouragement emotionally and psychologically. • Adopt the company of rich and business-doing people to learn their personality traits, and what and how they do which makes them stand out. • Search for more knowledge on cashflow quadrants with the help of books and internet etc. Knowledge will give you the valuable insight into the subject. There are also websites which discuss the same fraternity. On the very basis of information, you will be able to take decisions and steps. • Talk to your friends and close people for brainstorming and having new ideas. • Explore the possibilities of suitable business ventures. Get to know about the tendencies what is according to your talent and taste. • See what resources and capital you will need to start your business. Check out for the market scenario what is in and what is out. Make a plan and stick to it strictly. Build a team of fellow people who also want to improve their financial matters. Together you can do wonders. One extremely important thing is that when you start a business or plan for it, there come many obstacles. Business and investment are risky but you will have to take the risk. Without a daring attitude, you can't change your destiny. So, take a decision today, gather resources for realizing it, and enter into a new world of luxuries. When you will be able to pay the price, no one can stop you from buying a luxury life. Rizwanaa Shaikh is directly involved in network marketing business. She closely follows network marketing trends and can be contacted for any relevant assistance on Twitter: @Rashwriter. Article Source: [http://EzineArticles.com/?Moving-Into-Business-and-Investor-Quadrants&id=9953806] Moving Into Business and Investor Quadrants |
 | Top 10 Passive Income Ideas 2018 By [https://EzineArticles.com/expert/Chidi_Ejikeugwu/505702]Chidi Ejikeugwu Passive income ideas was a trending topic in 2018 through the waves are dying down a bit this year but the fact has never changed that ever than before people are constantly seeking out ways to increase their earning and enjoy financial independence. In this article am going to share the top 10 passive income ideas that made waves in 2018 and how you find passive income opportunities in those ideas in 2019. But first, if you are new to the topic, your first question would be what passive income is? Passive income simply means residual income, that is money that comes to you over time from a work you have done in the past or something you are doing now that doesn't require much of your time and effort. Put in another way, passive income is money you earn from a part-time job. It is different from active income, which is the money you earn from your job - salary. The big question people often ask is whether one can live off their passive income earnings. If you work your passive income sources and build streams of residual income, you can get to the point where your passive income may equal what you are earning on your day job. And that is the goal, to build multiple streams of passive income so that it eventually equals or surpass what you are earning on your day job, at that point you may have been said to reach financial independence because then you have control of your time, your money is coming in to pay the bills even if you quit your main job and the system runs automatically, you just manage it. I guess the question in your mind now is whether there is something you can do part time that will earn you almost a full-time income. Yes, there is, a matter of fact there are! Here we go with the top 10 passive income ideas of 2018 Affiliate marketing: affiliate marketing provides a fantastic opportunity for people who do not have a product of their own to take another person's good product and promote it at a profit on every sale they make. This is one of the easiest ways to start earning passive income. eBook publishing: if you have an idea that can solve a specific problem, kindle publishing provides an easy way to put it in book form and publish it. Book publishing has never been so easy. A lot of persons have been asking if there is a business you can start with no money. This is one. Everything is free, if you can write your book, edit it, create an appealing cover and write a good description for your book, you can start earning money right away. Cryptocurrency: cryptocurrency gained good attention in 2018 as a source of creating residual income. There are two ways basically for making money with cryptocurrency. That is trading and mining. The good thing about this system is that you can trade from your mobile. Network marketing: network marketing or multi-level marketing is one of the oldest businesses around, a system where you start at the bottom and work your way to the top. Though the talk about multi-level marketing may not sound like a buzzword yet big companies have been using it to get hot products into the market and individuals have been using it to rise to great heights and earning both passive and massive income for themselves. Freelancing: you have probably heard of websites like up work, fiver, elance and so on, where people go to get various kinds of digital work done for them. You too can start earning money right away if you have one of the skills that are required on daily basis from these websites e.g. writing articles, editing articles, book cover design, website development etc Blogging: yes people are still earning from blogging even though the market seems to be saturated. There are more tools that make it easy for anybody to create a blog and take it to prominence. Blogging is a good way to start earning passive income but it's not the quickest way to build passive income. that being said, it is also important to note that it is one of the surest ways to build a reputation and a longer-lasting stream of residual income if you do it right. E-commerce: this used to be for big companies but today anyone can set up an e-commerce shop and start selling digital products online with WordPress and woocommerce plugins. Drop shipping: this has to do with selling physical products through well-established e-commerce platforms like Aliexpress and Amazon. You don't have to do any difficult work, just research the top-selling products and promote them on your custom built e-commerce shop that is linked to the main platform and have the product delivered by the company while you pick the profit. Mobile apps: there are more smartphones than there are human beings on the earth today. And what powers these devices? Mobile apps. If you have an idea that can solve a problem then there is an opportunity here for you to earn residual income. you don't have to be a programmer to create a mobile app. You just have to come up with the idea and outsource the job to a programmer on one of the freelance websites mentioned earlier to get it created. Video blogging: YouTube is now the second most popular website in the world. If you have flair for video, then there is an opportunity here for you to earn passive income. YouTube with its AdSense program and partners program allow creators of video content to earn on the platform. These are the top ten passive income ideas that trended in 2018. If you want to start earning passive income in 2019 then you may want to consider one of these as a starting point to build your residual income streams. But if you are already earning passive income online, I will like to know how many of these passive income ideas you have tried or are earning from. Anybody can start building wealth at anytime from anywhere today. All it takes is to have the right ideas and desire to take action on what you know or learn. You can start building your way up to financial freedom like many others have done. In this post are ideas that you can take action on right now to start building a system of financial freedom. If you are prepared to start building wealth by creating passive income from multiple streams without the additional burden of working another job, then my free gift is for you. Get instant access to my Passive Income Blueprint right now and start your way to building a fabulous lifestyle of financial freedom. Visit [http://theprofitpipeline.com] for free instant download of the blueprint now. Article Source: [http://EzineArticles.com/?Top-10-Passive-Income-Ideas-2018&id=10057529] Top 10 Passive Income Ideas 2018 |
 | Steps to Building a Strong Financial Foundation By [https://EzineArticles.com/expert/Patrick_Redo/2064245]Patrick Redo Are you the master of your wealth? You should be! In order to build a stable structure, you must begin with a heavy-duty financial foundation that will take care of you now while reinforcing your future goals. What do you need to do to put that structure in place? It is amazingly clear-cut. The tactics below will help to boost your monetary self-confidence and set yourself up for financial success. Get Organized Before you can proceed, you must be clear on where you stand financially right now. You can begin by developing a personal balance sheet. Make a list of each of your assets (what you own) and liabilities (what you owe). When you have gathered all your statistics this will give you a sense of your net worth. Next, figure out your monthly cash flow and take a check of your credit. You can use a budgeting template like this one to help simplify the process. Grow Your Net Worth - Analyze your take home pay - Make sure you are spending less than you earn. Keep track of your personal finances with a tool like Moneydesktop, which can empower you to take control of your finance and simplify your life. - Manage your debt responsibly by making your payments on time and pay extra on all your consumer debt. - Save money for your long-term goals. Open an employer sponsored 401(k) and make sure you take advantage of any employer matching programs. Protect Yourself Now that you are organized and following a growth plan you need to make sure you are financially safe. Try implementing these options. - Build an emergency fund because life happens. It's a must have to keep you financially viable - opposed to plunging into debt when you face an unexpected cost or other financial crisis. - Check your insurance coverages. These types of policies will help to limit your out-of-pocket expenses when unexpected costs arise. - Make sure you establish or update your estate plan. This may include updating your will, creating a living trust and instituting a power of attorney and a healthcare directive. Prioritize Your Debt Reduction Be conscious of over-extending by paying excessive interest on money you have borrowed. This can keep you from putting money toward your other financial goals. Debt repayment is a perfect way to start building your financial foundation. If you are interested in implementing a fast-tracked debt repayment strategy try the debt snowball method or another financial strategy to reduce your interest rates. Define your financial goals Now that you have put all the pieces together for your financial foundation it's time to ask yourself what you want for both short and long term. Remember, your goals should be SMART: Specific, Measurable, Achievable, Realistic and Time-bound. Below are a few concepts to help you get started. - Save for a down payment for a home - Build retirement fund - Save for children's college - Set up an emergency fund - Save for bucket list vacations - Become financially free Now Let's Make it Happen - Be disciplined: Stick to the plan - Maintain a balanced budget. You can't be financially healthy if you are spending more than you earn. - Automate your finances (regular money transfers from checking to savings, and online bill pay) As you can see, constructing a financial foundation takes immense focus and determination. If you follow your step-by-step process you can't help but see results. Most importantly you will begin to gain confidence in your capacity to create and stick to your new healthy financial life. Comprehensive money management starts with organization - knowing where your hard-earned dollars are going. If you follow the steps summarized above, you may well be on the road to building a strong financial foundation. Part of the DNA of allU.S. Credit Union (www. https://alluscu.com ) is to improve the financial lives of their members and increasing financial literacy. This is what separates allU.S. from other financial institutions; we are for people not for profit. Article Source: [http://EzineArticles.com/?Steps-to-Building-a-Strong-Financial-Foundation&id=10185886] Steps to Building a Strong Financial Foundation |
 | The Super Rich Among Us By [https://EzineArticles.com/expert/Irene_Mori/366585]Irene Mori Recently an article came across the internet which contained a list put out by Bloomberg and Wikipedia listing the ten richest people currently in the United States. The richest was Jeff Bezos of Amazon with the list saying that he has $114 billion at age 55, but other lists say he has $170 billion. The last on the list of ten was the former wife of Jeff Bezos with $36 billion which she received in a divorce settlement. The list also includes people who have long been listed as the richest or among the richest people in the United States or even the world such as Bill Gates and Warren Buffet. Other founders of tech giant companies included were Mark Zuckerberg, Larry Ellison, Larry Page, Sergay Brin, and Steve Balmer. A few people had inherited their money such as three Waltons who received their money from the Walmart empire. Michael Bloomberg and Charles Koch were listed as having earned their money, and Julia Koch had inherited her billions. The list said that the United States is home to 34 people who have a net worth of $10 to $40 billion. There are over 300 people who are said to have $4 to $10 billion. The United States apparently has at least 600 billionaires. That is so much money controlled by a relatively small group of people. Bill Gates was once interviewed when he became the richest person in the world after he had been the second richest the previous year. He was asked why or how that happened. He said he guessed he didn't give away enough money. The super wealthy do give away a lot of money, but they could give away so much more to those who are truly in need. Who needs so many billions of dollars? It must be at least partially a matter of power, control, and some greed. A million dollars seems out of reach for most people, and yet there are hundreds of millionaires being created on a regular basis. One million dollars may not seem like enough in some ways, especially to those who have tens or hundreds of millions. These people are able to have true freedom to spend as they wish and to do pretty much whatever they want. Money is not a restriction as it is to so many people in the world today. Many immigrants have done very well in the USA after years of hard work and toil. Such was the case for a small handful of Japanese people and their American citizen children who were incarcerated during World War II in the American concentration camps which were set up to house them as punishment for their ethnicity. They were not guilty of any crime and had done no wrong. The racism and prejudice of that time caused them to suffer untold hardship and distress. Still most of them have endured and triumphed over the difficulties they were caused to bear. While there may not be any billionaires among this group of people, there are millionaires. They have not achieved the very highest levels of income among the population and become part of the ten richest people, but some have attained an incredible amount of success given the treatment they received during the war. Overcoming adversity was difficult but important. It can be done. There are poor among us. Everyday you can see homeless people or the less fortunate begging on the streets just for a few dollars or change to buy food or other items. Unfortunately, they all too often spend what money they have on tobacco or alcohol. Everyone needs money in some shape and form. Most earn what money they have, but some people must beg for it. While a small number of people control a huge amount of the world's wealth, there is room for people to carve out a comfortable living for themselves. It behooves all of us, whether rich or poor, to reach out to those less fortunate. There are so many people in the world who are in need of help. This book of speeches and articles about the Americans of Japanese heritage includes facts about the mistreatment of Japanese Americans during World War II. This was a period when the Constitution did not protect innocent citizens and immigrants who faced severe prejudice and racism. They lost everything, but they persevered with many ultimately finding success. The book covers civil rights issues and is available on Amazon. Information on the book and other related books may be found at the website: [http://www.thejapaneseamericanstory.com]http://www.thejapaneseamericanstory.com. Article Source: [http://EzineArticles.com/?The-Super-Rich-Among-Us&id=10205674] The Super Rich Among Us |
 | How to Become Rich While You Are Still Young By [https://EzineArticles.com/expert/P_Mathivanan/1928612]P Mathivanan I would like to edit the topic question: How can I get rich on my own while I am still young? One can get rich through inheritance as well. Therefore, I'm not considering inherited wealth. How do you create wealth on your own? It's not easy. You will have to work really hard. If luck favors, you will be rich sooner. Luck, I mean favorable conditions. The difficult part: The rule of compound rate of growth and the initial point of your trajectory. Zero never gives you growth. Whatever the rate of growth you apply zero always remains zero. First, you have to enter into the positive zone. The initial amount is the biggest impact on your wealth. Therefore, you have to earn this big initial amount at the earliest. For example, you invest $1 at a compound rate of 10%, approximately after 14 years it will become $4, at the end of 21.5 years it will become $8. You will be rich by $8. At the same time, if your initial investment is $1,000,000, you will get $8,000,000 at the end of 21.5 years at 10% compound rate (800% of initial investment). The co-ordinate point from where your trajectory takes place is very important. Wise investment will make you rich: If you are able to get a higher rate of growth you will get rich sooner. In the previous example we considered only 10% compounded growth. In fact, you can get higher rate if you invest your money wisely. When I was young I invested in a mutual fund (tax scheme, lock-in period of 3 years) an amount of $5000 in order to get tax relief. After 3 years, the NAV was 500% of the initial offer price. I got $25,000. Had I invested more on this investment I would have been rich at 28. That was a favorable time in life. It's rare in life. You may get this kind of favorable conditions 3 or 4 times in your life. 3 or 4, because you missed some in the past and you might miss some more in the future. Identifying such conditions is the key to become rich. In general, young people will miss out the first chance or even more as I missed. You will miss out early chances if your mind is engaged in non-financial activities. Only experience will teach you. Short term investments will not make you richer: Time is another important deciding factor. Accumulation takes its own time. Time and higher rate of compounded growth rate will make you rich. If you want to be rich in 7 years, then the growth rate has to be much higher. If your target is $ 1,000,000,000 and now you have only $100, then every year it has to grow 10 times in order to reach your target. That is an extraordinary growth rate. So it is quite difficult to become a billionaire with an investment of $100. The probability is very, very low. Therefore, don't set an unrealistic target. Allow time to accumulate your wealth. People surrounding you is another important factor: 99% of the people surrounding you will make you to spend your money. My dad asked me money to invest in plantain crop. I gave him the money he asked for. After 1 year he told me that the entire plantain crop was flattened by the monsoon wind. The return he got was zero. My money was also gone in the wind. My uncle advised me to buy a car when I was 25. I did not have enough money to buy a car. I had to borrow money. I would have got a bank loan easily. Somehow, I postponed the idea of buying a car at that time which was really an unwanted thing. That decision was good and made me richer now. One of my neighbors was ready to sell his house and offered me a price. I did not have money at that time. I had only half of the money. I would have got a bank loan for the remaining amount. Somehow, I declined the offer. That was really, really a bad decision I made in my life. That investment would have fetched me 100000% profit by now. This is another favorable condition that I missed out. Do no invest in stock market without learning the basics Once I bought 100 share of a company(IT). Each share costed me 1200. Within 6 months, the market price reached 3600. I did not sell it thinking that it was a value stock. I decided to hold long. The next month, it started coming down due to some head wind. The entire stock market was nose diving. My stock reached to the bottom of issued price of 40 or 45. I lost all my money. Yet, I did not sell it because there was nothing to lose more. I waited, and waited for 7 years patiently to see the price going up to 85. During this period, the company had been correcting and consolidating its market share. I bought more shares of the same company. After 10 years, now it is trading at its previous peak. Another stock that I invested along with the above mentioned at around 45 had not climbed even to 100 in the initial 10 year period. In the next 3 years, it climbed to 250. In the following 3 years, it crossed 1000 and now trading at around 1500. Yet, there are other stocks that had never been able to raise their head after the collapse. This is how stocks behave in the market. There are reasons why they behave so. You have to learn the basics. My advice is a mindful living. Study your surroundings and look for favorable conditions. Invest time and money to improve yourself which will always help you. One favorable condition is enough to make you rich. Be mindful. Don't miss it. Article Source: [http://EzineArticles.com/?How-to-Become-Rich-While-You-Are-Still-Young&id=10235393] How to Become Rich While You Are Still Young |
 | Why Gold Is Insurance During Times Of Crisis By [https://EzineArticles.com/expert/Ryan_D._Forrester/2093018]Ryan D. Forrester Gold has been a part of human history since the beginning of time. For centuries, from Pharaohs to Kings gold has been associated with prestige, power, wealth, and freedom. If you don't know much about this yellow precious metal, reading this information will be a great place for you to start. So, why do I say gold is insurance during times of crisis? Well, before we begin to get into the meat of the matter I have a question for you; have you ever owned an insurance policy? If not, I'd imagine at the very least you have heard of insurance before and have a basic understanding of what it is. If you don't, Investopedia, one of the top online financial education resources, defines insurance like this: "a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. Insurance policies are used to hedge against the risk of financial losses." OK, so THAT was the insurance jargon so, to make this easier to understand I'll give you my layman's term break down; insurance is simply a promise to protect something in the event of suffering some form of loss. As a quick note, if you'd like to learn more about some basic insurance products that are valuable and important to have, read my article "4 Pillars Of Protection: Products to Consider in Your Insurance Portfolio". That said, let me explain why gold is insurance during times of crisis. During the time of this writing our world is experiencing a global pandemic called the Coronavirus disease or COVID-19. It has halted almost all regular daily activity leaving a large population of North America, and the world for that matter, unable to work and confined to self-isolation at home. When I first got news about this disease it was late in the month of December of 2019. At that time one ounce of gold was roughly $1,515 USD. Then, a few short months after as the virus accelerated around the world, the value of gold peaked at $1,700 USD in March of 2020 then, slipped back to roughly $1,650 USD by the time of this writing. It is not uncharacteristic for gold to moderately dance slightly up and down in the short-term however, long-term the trend has always been in an upward fashion. I have often said to clients that insurance is something you get but hope you never need. Well, in the same way gold is always good to have because during times of crisis people who have gold have the option of liquidating some of their gold assets in order to get their hands on some cash. And this is the reason why gold is insurance not only during times of crisis, but also over time. Let me explain what I mean by using an example based on inflation. Using a US inflation calculator I determined that what would have cost $288.50 in the year 2000, today costs $433.38 resulting in an inflation of 50.2%. This means that your money LOST more than fifty percent buying power because now you need MORE of your dollars to buy the same thing! Conversely, at the beginning of the same year on January 3, 2000, one ounce of gold valued at the same $288.50 however, on the first trading day of this year (January 6, 2020), that same one ounce of gold valued at $1,558.00!* If you had known the power of this yellow metal and simply "parked" $288.50 in one ounce of gold over that 20-year period, your asset value would have grown by 440.03%! Inflation is a slow and gradual increase over time which is why so many people don't realize the loss but, now that you KNOW the numbers you don't need to be a mathematician to conclude that a growth of 440.03% is better than a loss of 50.2%. So, if you had to choose a savings vehicle, which would you rather: cash or gold? The fact of the matter is this: when you save gold you protect your future long-term buying power but when you save cash, your buying power is constantly leaking and fighting a losing battle against inflation. If you haven't been saving gold to this point rest assured that it is not too late to start and all is not lost. The good news is, now you know. And you may have heard the saying before that KNOWLEDGE IS POWER. Well, I believe that the APPLICATION of knowledge is power because, if you know something but don't do anything, what good is just knowing? If you want to begin to apply your knowledge further check out my FREE report, "The Truth About Money - 3 Quick Key Facts You May Not Know!" and let's continue your journey to knowledge and application. To get it now, [http://ryandforrester.com/gift-the-truth-about-money/]Click Here! As a former independent insurance advisor and income protection specialist, Ryan provided clients with customized personal insurance and financial solutions through disability, life, critical illness, long-term care, and other personal insurance products. Today, his focus is on providing strategies for hedging income and preserving wealth through physical gold and silver acquisition. *First trading day and closing value of each year respectively. (www.Kitco.com) Article Source: http://EzineArticles.com/9859627 Article Source: [http://EzineArticles.com/?Why-Gold-Is-Insurance-During-Times-Of-Crisis&id=10277218] Why Gold Is Insurance During Times Of Crisis |
 | How Trump will affect your business? http://adf.ly/1fURJ7 bing.com NEWS UPDATE Americans really did crash the Canadian immigration site on Election Day USA TODAY - 45 mins ago Traffic to the Immigration, Refugees and Citizenship Canada website surged more than ... There is a page named "Immigration to Canada" on Wikipedia.org Immigration to Canada 2002. Canadian immigration policies are still evolving. As recently as 2008, Citizenship and Immigration Canada has made significant changes to streamline 81 KB (4,518 words) - 18:40, 10 November 2016 |
 | The Pokemon Go ! Video Game Review is a media franchise managed by The Pokémon Company, a Japanese consortium between Nintendo, Game Freak and Creatures. he franchise was created by Satoshi Tajiri in 1995, nd is centered on fictional creatures called "Pokémon", which humans, known as Pokémon Trainers, catch and train to battle each other for sport. The franchise began as a pair of video games for the original Game Boy, developed by Game Freak and published by Nintendo. The franchise now spans video games, trading card games, animated television shows and movies, comic books, and toys. Pokémon is the second-most successful and lucrative video game-based media franchise in the world, behind only Nintendo's Mario franchise. Pokemon Go phenomenon at launch. The game quickly became one of the most used smart device apps, surpassing the previous record held by Candy Crush Saga in the United States, and was a boon to the stock value of The Pokémon Company and Nintendo. By July 20, the game was downloaded by more than 30 million people worldwide. The game was credited with popularizing location-based gaming and augmented reality, and was praised by some medical professionals for potentially improving the mental and physical health of players, but also attracted some controversy due to reports of causing accidents and being a public nuisance at some locations. Described the game as “harmful mania,"... On July 20, 2016, it was reported that a 18-year-old boy in Chiquimula, Guatemala was shot and killed while playing the game in the late evening hours. This was the first reported death in connection with the app. The boy's 17-year-old cousin, who was accompanying the victim, was shot in the foot. Police speculated that the shooters used the game's GPS capability to find the two. " Kuwait banned the game from government sites, Indonesian officials deemed it a national security threat, and in Israel the IDF banned the game from Army bases. . Most experts in gaming and augmented reality agree that even though the developers market it as an augmented reality game, it contains some but not all aspects of an augmented reality game, and the primary genre is better described as a location-based game. The majority of players the overall experience of the game and the incentive to adventure in the real world, Development The concept for the game was conceived in 2014 by Satoru Iwata of Nintendo and Tsunekazu Ishihara of The Pokémon Company as an April Fools' Day collaboration with Google, called Pokémon Challenge. Ishihara was a fan of developer Niantic's previous augmented reality game, Ingress, and saw the game's concept as a perfect match for the Pokémon series. Niantic used data from Ingress to populate the locations for PokéStops and gyms within Pokémon Go. In 2015, Ishihara dedicated his speech at the game's announcement on September 10 to Iwata, who died two months earlier. The game's soundtrack was written by longtime Pokémon series composer, Junichi Masuda, who also assisted with some of the game's design. mong the game's visual designers was Dennis Hwang, who previously worked at Google and created the logo of Gmail. Start a Video Game Business you may also like... http://3bd7aabt61f6cue1gie2vdv12n.hop.clickbank.net/ |
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 | A cat and dog, two popular pets. A pet or companion animal is an animal kept primarily for a person's company or protection, as opposed to working animals, sport animals, livestock, and laboratory animals, which are kept primarily for performance, agricultural value, or research. The most popular pets are noted for their attractive appearances and their loyal or playful personalities. Pets commonly provide their owners or guardians, physical and emotional benefits. Walking a dog can supply both the human and pet with exercise, fresh air, and social interaction. Pets can give companionship to elderly adults who do not have adequate social interaction with other people, as well as other people that are living alone. There is a medically approved class of therapy animals, mostly dogs or cats, that are brought to visit confined humans. Pet therapy utilizes trained animals and handlers to achieve specific physical, social, cognitive, and emotional goals with patients. The most popular pets are likely dogs and cats, but people also keep house rabbits, ferrets; rodents such as gerbils, hamsters, chinchillas, fancy rats, and guinea pigs; avian pets, such as canaries, parakeets, and parrots; reptile pets, such as turtles, lizards and snakes; aquatic pets, such as goldfish, tropical fish and frogs; and arthropod pets, such as tarantulas and hermit crabs. Cat Health Secrets. http://bdb90z7y0ai8-n46t9woh84r9q.hop.clickbank.net/ Dog Training That Work Like Crazy!” http://a52e412l9dk70y3hadvs5m9k3b.hop.clickbank.net/ |
 | Why We Should Teach Kids to Code Biology, Not Just Software · Just recently, MIT researchers created a programming language for living cells that can be used by even those with no previous genetic engineering knowledge. This is part of a growing body of evidence pointing to a undeniable trend—Over the next several decades we will develop tools that will make biotechnology affordable and accessible to anyone—not just in a university or even biohacking lab—but literally at home. 1d Freeman Dyson For most people, the words … Singularity Hub BlogBiology http://singularityhub.com/2016/04/07/we-should-be-teaching-kids-to-code-biology-not-just-software/ |
 | Top 57 Freelancing Job Sites to Find High Paying and Quality Clients Fast! Lise just keeps pumping them out. Super useful, very instructional and packed with real-world information. In researching where to find freelancing gigs alone, this book saved me time enough to justify the price. 57… Where she found them all, I have no idea, but there are over 50 places to find not only freelancing gigs, but well-paying ones. then find the clients on those sites that you want to work with. (you know, the ones who pay you … well) She's sharing a list that she and her peers use themselves—where they find high-paying clients. Throw in a dash of best practices on how to covert one job into a recurring paying relationship with a client, and this book is well worth the $0.99. I can't even believe I'm saying that. http://amzn.to/1VMd9s5 Totally underpriced book. Get it before it isn't. |
 | 10 Questions You Always Wanted to Ask About Freelancing By [http://ezinearticles.com/?expert=Peter_Louis]Peter Louis Freelancing is an increasingly popular way to work. But what is freelancing, why do people freelance and can I make a career out of it? This article answers the 10 questions you always wanted to ask about freelancing. 1. What is freelancing? Freelancing occurs when someone offers his or her services for an agreed period in return for a fee. Freelancers (also known as contractors or service providers) are independent of the businesses or individuals that hire their services. Generally, freelancers work on jobs of a short duration although contract periods do vary in length and can be and are often extended. 2. Who can become a freelancer? The short answer is anyone. There are no restrictions as to who can become a freelancer. As long as you have a skill or service that a business or individual needs then you can offer your services and be a freelancer. 3. Who hires freelancers? Freelancers are hired by individuals and organisations, including micro enterprises, small and medium sized enterprises, large companies, like Tesco, charities, local and central government, e.g., HM Revenue & Customs, and public bodies. 4. What services do freelancers offer? Freelancers offer a diverse set of services. There really isn't a fixed list. Some services offered by freelancers include: event planning and management (e.g., weddings, birthdays, etc.) book-keeping & accounting car valet virtual assistance (e.g., email & diary management, call answering, etc.) IT support & customer helpdesk Website design & development As a rule of thumb, if an organisation or individual can micro outsource it, then it can be freelanced! 5. Which services are in demand? Demand for services varies but research has shown that the demand for freelance workers increases during "times of economic uncertainty". So this is a great time to freelance! Job information sites such as itjobswatch or just searching and counting the number of freelance opportunities can provide useful information on the demand for freelance services. But don't be discouraged if your service doesn't appear popular. In fact, offering a service that has low demand also means that there is less competition and that's great for your future earnings! 6. What are the advantages of being a freelancer? There are many advantages to freelancing. Some of my favourites include: Being your own boss. Freelancing is one of best ways to start your own business. Being your own boss also allows you to decide how many hours you work, when in the year and in which locations. Getting paid to travel. If you enjoy travelling, then freelance work can take you around the country or further afield. What's more, you can travel at someone else's expense! Working from home or remotely. If your preference is to work from home then freelancing offers this flexibility and freelancers can enjoy a successful business doing just that. The Internet has created remote working possibilities that businesses across the globe are keen to use. Earning money quickly. Freelancers can be paid not only more quickly and frequently than permanent employees but they can earn much more in a given period than a permanent employee doing similar work. 7. What are the disadvantages of freelancing? But being a freelancer has some disadvantages, too. Some of which include: Annual tax return. If you're self-employed or freelance through your own company or enjoy a certain level of income, you'll have to complete HM Revenue and Customs' tax return. Thankfully, you can now do this on their Web site and get your tax calculated automatically. Having to find work. If you're a freelancer then there's no boss to give you your first (or next) job. So, it's up to you to find work. Luckily, there are Web sites that specialise in freelancing that can assist to make this process easier. Having to maintain your CV. Your CV is what's going to help you get your next job, if not your first one, so you'll need to update it as jobs are completed and new skills are acquired. This can become a chore but it's necessary if you want to convey your current experience and knowledge. 8. Where can I freelance? As mentioned, an advantage of freelancing is that it allows you to travel. Depending on your skills and the service you offer, you may work on freelance jobs locally, nationally or internationally. For example, you might offer a gardening service, which would be more likely offered to local individuals and businesses. Or you might freelance as a personal trainer and offer services locally and regionally. You can also work from the comfort of your home as a data entry operator, article writer, CCTV operator, proofreader and so on. As indicated, the Internet has opened numerous opportunities for people to work remotely without the need to be at a client's site. 9. How to get started? Place your CV on a suitable site. Some of the more popular job boards and CV aggregators include tiptopjob, jobserve, friendsreunitedjobs, totaljobs, CV-Library and jobsite. However, these sites do not specialise in micro outsourced jobs and their focus is more on capturing your CV rather than the services that you offer. Fortunately, there are specialist sites that can help you freelance your services. On these sites, you'll find jobs with differing requirements and budgets. You'll also be able to advertise 1 or more services, indicating your skills, daily or hourly rate and locations, if you also wish to work at a client's site. And unlike job boards or CV aggregators, you'll also be able to use the site to interact with job providers to, for example, clarify requirements or work with them once you've got the job! 10. Can I make a career out of freelancing? Absolutely, yes! If you're currently working, you can try out freelancing in parallel with your main job before deciding whether to do it full-time. If you're between jobs or on a career break then freelancing is a way to quickly earn some money whilst filling the empty space on your CV. And who knows, you might just like it! Summary Freelancing has become an increasingly popular way to work and has many advantages over traditional employment. This article has covered 10 questions most frequently asked about freelancing such as, what is freelancing, why do people freelance and can I make a career out of freelancing? Copyright 2011 by Peter Louis. All rights reserved Peter is the founder of [http://www.p2people.co.uk]http://www.p2people.co.uk, the free to join micro outsourcing service that makes it easy for you to outsource your jobs and freelance your services. With p2people, you can place your ads for free and almost any job can be outsourced or service freelanced, so why not join us and get started, today! Peter has over 12-years of experience in the freelancing and outsourcing marketplace and is an IE MBA, a top 3 MBA in Europe. Follow Peter and p2people on twitter at [http://twitter.com/p2people]http://twitter.com/p2people. Article Source: [http://EzineArticles.com/?10-Questions-You-Always-Wanted-to-Ask-About-Freelancing&id=6203999] 10 Questions You Always Wanted to Ask About Freelancing |
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| | What Millennials Really Want? "Home Based Business" There's a reason why market executives are so obsessed with millennials,they are the single largest generation alive today. There's between 90 to 92 million,millennials,and this spells opportunity!It makes sense therefore,to try tapping into this market segment.The only problem with millennials is their extremely unpredictable behavior,It is quiet common to find young people subscribing to their favorite brands and discussing them online.Millennials are obsessed with social media.when it comes to style and fashion.Millennials don't like over-the-top designs-social media-allows millennials, to keep track of all the latest fashion trends and build their own unique identity, around their newly acquired online(fashion to emphasize comfort wear), Fashion has always been social.The definition of "social" has been for century and now the expansion is truly visible. Millennials do not ask friends for their opinion what to wear. or where to buy.They read fashion blogs.and sift photos on Pinterest. Who wear what... The most influencer brands, outspoken fashion role models and fashion activists have spread marketing campaigns with powerful messages An example would be Gucci's Instagram content, which is currently among the most discussed fashion-related topics on the internet. Millennials want to strike a healthy balance between uniqueness and being part of the crowd.The trend of DIY!if you can do it,so can I.We find that millennials like poking their noses into every industry.Their preference to take matters into their own hands interferes with virtually every facet of life. They want to repair their own computers, air conditioners,and even create their own businesses. create clothing fashion brand.Crowd platforms such as Kickstarter and Indiegogo allow millennials to become their own bosses.call them entrepreneurs for hire,which befits the slogan 'for the people, by the people'.they keep an eye out for companies which take an active part in advocacy projects to empower poor communities by creating opportunities.The ability to make a difference while standing out from the crowd is what drives millennials into thinking out of the box." https://ezinearticles.com/?cat=Home-Based-Business Article Source: http://EzineArticles.com/9975412 View 1 Like(s) |
| | Warren Buffett's Rules for Investing Inspire REAL Wellness Rules for Thriving and Flourishing By [https://EzineArticles.com/expert/Donald_Ardell/893159]Donald Ardell Introduction: Financial and Personal Investing Warren Buffett and I have something in common. We are both unofficially, arguably and more or less fondly known as The Greatest, he as the world's greatest stock investor, I as the world's greatest REAL wellness authority. (So far, I'm the only person writing about REAL wellness, which puts me at the head of this impressive category.) Warren is the CEO of Berkshire Hathaway - he has $85 billion in his bank accounts; I have not founded anything, my bank accounts are more modest than Mr. Buffett's but uncannily, Mr. Buffett's views on investing parallel my own on matters of wellbeing. I'll explain how my views on health-related matters mirror Warren's convictions about investing in stocks. Well, if not quite mirror, then certainly bear a vague resemblance if you look hard enough for such confluence. I believe the best way to thrive and flourish, and to do so with minimal reliance on doctors, drugs and medical treatments, is to understand and adhere to a REAL wellness lifestyle. The REAL in REAL wellness is an acronym, representing the dimensions of reason, exuberance, athleticism and liberty. A set of lifestyle principles in each of these four dimensions complement Warren Buffett's rules for investing. Rules for Investments of Two Kinds I discovered this alignment in good part by virtue of my personal acquaintance with The Greatest authority on the Sage of Omaha, namely Robert P. Miles. Bob is the author of top-selling books about Mr. Buffett, including The Warren Buffett CEO: Secrets From the Berkshire Hathaway Managers and 101 Reasons To Own the World's Greatest Investment: Warren Buffett's Berkshire Hathaway. My impressions of the link between Mr. Buffett's rules and my ideas about REAL wellness were also supplemented somewhat by two short investment articles. One was Stephanie Loiacono's Rules That Warren Buffett Lives By (Investopedia, June 24, 2019), the other Seth Spears Warren Buffett's Ten Rules of Success (Spears Marketing, January 23, 2012). There are many investment rules attributable to Mr. Buffett, many of which he actually expressed. Let's look at these genuine rules that are most reflective of and consistent with REAL wellness principles. I'll state ten Buffett rules, then comment on each. Rule No. 1: Never lose money. In the case of REAL wellness, do all you can to never lose your health. This rule cannot be left to chance. You can't do much about many of the primary factors that affect your wellbeing (e.g, biology, culture and environment), but a positive health enhancing lifestyle is in your hands. Rule No. 2: Never forget rule No. 1. Ditto REAL wellness. Rule No. 3: If the business does well, the stock eventually follows. If your culture and environment are supportive (i.e., friends and family model healthful lifestyle attitudes and behaviors, you are likely to follow suit. Choose friends wisely and, if necessary, put distance between yourself and oafish, course or behavioral hooligan relatives. Rule No. 4: The most important quality for an investor is temperament, not intellect. To thrive and flourish, focus on emotional and psychological attitudes and beliefs that promote serenity, adaptability and plentiful exuberance. Rule No. 5: The stock market will experience swings - stay focused on investment goals and remain steadfast during market turbulence. Life is shaped by random events; control what you can with wise personal choices, knowing setbacks will visit even the most conscious and prudent among us. Rule No. 6. Reinvest your profits. This rule implies taking care to protect your assets, that is, avoid risking capital needed for the common wants of living well. From a wellness view, the lesson is don't jeopardize foundation resources (e.g., physical mobility) with thrill-seeking for momentary gratifications. This, of course, is difficult to impossible for the very young and most teenagers, but for settled adults it's doable and wise. In old age especially, guard against momentarily attractive excesses (e.g., wild parties, drugs, excess alcohol and associations with shady or deplorable characters). Rule No. 7. Be willing to be different. Don't hoard your insights and ideas on matters consequential. Exercise your right to discuss all matters of momentous, grave and material. Do so with frankness, skill and consideration of varied audiences. Identify the nature and soundness of your unpopular opinions, and then be different at strategic times, or just have fun with your mates, especially on matters tied to politics, sex and religion. Rule No. 8. Be decisive. Mr. Buffett puts it this way: never suck your thumb. This of course means support yourself after you have made choices, eschewing inordinate or boundless mulling to the point of paralysis. Such sulking leads to disorienting stress, loss of opportunity and/or the appearance of being fearful and weak. Even when decisions prove dubious or worse, if you acted on the best available information, your errant choices deserve (self) respect. Learn from experiences good and otherwise and move forward, wiser and steadfast, resolute and unflinching. Rule No. 9: Be Persistent. Cultivate tenacity and ingenuity. If it were easy to think critically, overcome dogmas, resist flimflam artists, scammers and superstitions, live exuberantly with ample joy and meaning, dine well (healthfully) most of time, look good and be fit and live pretty much the kind of life you cherish, who then who would not do so? Not many. Living well in a manner that optimizes wellbeing and enables thriving and flourishing requires that Mr. Buffett's 9th rule for persistence in investing be applied to how you live. That is, you must be decisive - do what you must to cultivate tenacity while guide yourself with ingenuity in ways both mental and physical. Rule No. 10. Know what success really means. How will you understand if you are sick or well, happy or sad, a success or failure, fit or unfit, alive or nearly dead unless you have a clear sense of what it means to be on the brighter side of these and other dichotomies? Develop an inquisitive nature about the meaning of superb health beyond mediocre norms. Seek insights on what is possible regarding your exercise capabilities, given your age, current functional state, resources and general situation - then assess ways to transcend just getting by, in a state or low-level normalcy, like most others you observe. Discover the nature of exceptional functioning and the multiplicity of ways to move further along in the direction of high capacity living. Summary Mr. Buffett fully understands that even with the mind-bending quantity of riches in his personal accounts, the quality of his existence is not thus measured. Instead, his success derives from decades of disbursing resources that mitigate global problems, allay miseries and enable opportunities for the many. Ultimately, it is the manner in which he uses his capacities and the unique role he plays in life that reflects his inestimable persona, the most valued element of worth and merit. If you want to draw attention to your ideas, find someone with whom you can link to them. In doing so, you will appear more sensible than you really are. I don't wish to boast about this, but I don't think I could have adopted a better model for REAL wellness rules than Warren Buffett. I hope he won't mind. (Postscript - Response from Robert P. Miles): I've often thought that Don Ardell and Warren Buffett are brothers from different mothers. While you and Warren don't share nutrition (he drinks six cherry cokes per day, doesn't like vegetables, exercise or water - he favors See's Chocolates and Dairy Queen sundaes - 300 to 600 calories), you two nonetheless have many things in common. You both are octogenarians, have younger wives, are politically like-minded, frugal, agnostic, unconventional thinkers, ravenous readers, excellent communicators and seem to be squeezing every drop out of life or, as your idol Ingersoll advised, suck the orange of life dry. Finally, I suspect that you might both prefer, when the end comes at last and a parade of celebrants file by your respective caskets, that nobody suggests that Warren was the wealthiest, or Don was the fittest, but rather that Warren and Don were certainly among the oldest. Article Source: [http://EzineArticles.com/?Warren-Buffetts-Rules-for-Investing-Inspire-REAL-Wellness-Rules-for-Thriving-and-Flourishing&id=10140963] Warren Buffett's Rules for Investing Inspire REAL Wellness Rules for Thriving and Flourishing |
| | Do You Spend What You Make? By [https://EzineArticles.com/expert/Karen_Rittenhouse/353660]Karen Rittenhouse Most of us would like more money at the end of the month and there are 2 ways to get there: 1. Make more money 2. Spend less From everyday conversations, it seems that more people focus on making more money (and most have no clue how to do that) but far fewer focus on spending less. Now, my question was - "Do You Spend What You Make" - but plenty of people spend even more than they make. That's a sad place to be. Do you keep track of your spending? Do you know where your money goes? That's the first step to having more at the end of the month. You can't cut back if you don't know where you're spending. I consider my husband and myself to be fairly conservative spending except for 2 "minor" areas of our lives - our house and our cars. Oops. The house was way beyond our means at the time we moved in but, as real estate investors, we tripped over a deal that was too good to be true and could get into it with no money down. How could we pass it up? Long story short, we didn't. So the house can be explained. The cars? We "wanted" luxury and comfort. We don't need all that, but it was sure nice to get it when we wanted it. It's the American way, right? We're just doing what all the commercials tell us to do because, after all, we've earned it; we deserve it... Well, lately, I've been reading a lot of posts and articles about FI (Financial Independence) and a ton of 30 somethings are working hard - and smart - toward FI while still in their 30s! That would have been half a lifetime ago for me, but it has definitely gotten me thinking and talking about FI with my husband. So, here's the thing: We make more than enough to live well without working much going forward. However, we spend most of it every month. Do we need to? No. Since the majority of our earnings goes toward the house we live in and the cars we drive, we can change that. But do we want to? Another very serious place for consideration. Naturally, I want to live better and work less, but that's not an option. Today, I can live better or work less. My contemplation is which will I pick. Have you ever focused on your financial independence and how to get there? Or do you focus on a better lifestyle? Which will you put first? My name is Karen Rittenhouse and I've been investing in real estate full time since 2004. We currently buy about 60 houses per year, 80 percent of which we wholesale. Our current goal is to use that income to pay off all of our hold properties. Please check out my blog - http://www.KarensPerspective.com I also coach and train anyone interested learning about investing in real estate. Article Source: [http://EzineArticles.com/?Do-You-Spend-What-You-Make?&id=10032935] Do You Spend What You Make? |
| | Moving Into Business and Investor Quadrants By [https://EzineArticles.com/expert/Rizwanaa_Shaikh/2482845]Rizwanaa Shaikh As some people must have the knowledge of cashflow quadrants, I would like to talk about further on the same subject. My today's article discusses moving from E and S quadrants to B and I quadrants. E Quadrant: You have a job and works as an employee for a company/organization S Quadrant: You are self-employed and own your job or a small-scale business B Quadrant: You are a business owner and have a team to work for you I Quadrant: You invest money in different businesses and money works for you First of all, we need to know that coming out of E and S quadrants and moving into B and I quadrants is really a gruesome, nerve-testing, and toiling life endeavor. We all want to have a luxury life but luxuries have a high price. Everyone of us is not capable of paying such a huge price. That is why; so little number of people is enjoying luxury life. No one would have been poor and unsuccessful, had it been such an easy job. So, the point of my discussion is: how to move from E and S quadrants to the luxury life of B and I quadrants? Let's have a look at it: All of us, definitely, are not so rich and wealthy that we can easily start a business and invest money. Getting into a business and running it successfully is a hard nut to crack. Business persons and investors have to deal with challenging tasks and circumstances every now and then. Not all of us are capable of such nerve-shattering challenges. Business and investment are two types of mindset. These mindsets require very different kind of training, thinking patterns, power of decision-making, patience, and endurance level. These qualities can be possessed by a leader only. Therefore, one need to learn how to lead, first of all. But even before this, one need to learn to follow a good leader. When you follow a leader, you start nurturing the same qualities. Choose a leader for you, spend time in his/her company, and develop the leadership qualities in your own self. This will be your mental and emotional training. Alongside, you will also explore the ways how can you enter into business and investment. One of the easiest ways of getting into the luxury quadrants is to join a direct selling and network marketing business. Search out which direct selling and network marketing companies are operating in your city/state/country. Anyway, we come back to our subject: moving into Business and Investor quadrants. One thing I must recommend: • Don't quit your job for getting into business if you have no other source of income. Your job is giving you a steady monthly income. Keep that income coming. Alongside, plan out about having higher academic qualification; saving money for business and investment; and most of all, start your training for how to get into a business. You can have guidance from the above paragraphs for how to train yourself for business. • Involve your family and spouse into your business and investment plans if you feel they are supportive and encouraging. The backing will be a great source of encouragement emotionally and psychologically. • Adopt the company of rich and business-doing people to learn their personality traits, and what and how they do which makes them stand out. • Search for more knowledge on cashflow quadrants with the help of books and internet etc. Knowledge will give you the valuable insight into the subject. There are also websites which discuss the same fraternity. On the very basis of information, you will be able to take decisions and steps. • Talk to your friends and close people for brainstorming and having new ideas. • Explore the possibilities of suitable business ventures. Get to know about the tendencies what is according to your talent and taste. • See what resources and capital you will need to start your business. Check out for the market scenario what is in and what is out. Make a plan and stick to it strictly. Build a team of fellow people who also want to improve their financial matters. Together you can do wonders. One extremely important thing is that when you start a business or plan for it, there come many obstacles. Business and investment are risky but you will have to take the risk. Without a daring attitude, you can't change your destiny. So, take a decision today, gather resources for realizing it, and enter into a new world of luxuries. When you will be able to pay the price, no one can stop you from buying a luxury life. Rizwanaa Shaikh is directly involved in network marketing business. She closely follows network marketing trends and can be contacted for any relevant assistance on Twitter: @Rashwriter. Article Source: [http://EzineArticles.com/?Moving-Into-Business-and-Investor-Quadrants&id=9953806] Moving Into Business and Investor Quadrants |
| | Top 10 Passive Income Ideas 2018 By [https://EzineArticles.com/expert/Chidi_Ejikeugwu/505702]Chidi Ejikeugwu Passive income ideas was a trending topic in 2018 through the waves are dying down a bit this year but the fact has never changed that ever than before people are constantly seeking out ways to increase their earning and enjoy financial independence. In this article am going to share the top 10 passive income ideas that made waves in 2018 and how you find passive income opportunities in those ideas in 2019. But first, if you are new to the topic, your first question would be what passive income is? Passive income simply means residual income, that is money that comes to you over time from a work you have done in the past or something you are doing now that doesn't require much of your time and effort. Put in another way, passive income is money you earn from a part-time job. It is different from active income, which is the money you earn from your job - salary. The big question people often ask is whether one can live off their passive income earnings. If you work your passive income sources and build streams of residual income, you can get to the point where your passive income may equal what you are earning on your day job. And that is the goal, to build multiple streams of passive income so that it eventually equals or surpass what you are earning on your day job, at that point you may have been said to reach financial independence because then you have control of your time, your money is coming in to pay the bills even if you quit your main job and the system runs automatically, you just manage it. I guess the question in your mind now is whether there is something you can do part time that will earn you almost a full-time income. Yes, there is, a matter of fact there are! Here we go with the top 10 passive income ideas of 2018 Affiliate marketing: affiliate marketing provides a fantastic opportunity for people who do not have a product of their own to take another person's good product and promote it at a profit on every sale they make. This is one of the easiest ways to start earning passive income. eBook publishing: if you have an idea that can solve a specific problem, kindle publishing provides an easy way to put it in book form and publish it. Book publishing has never been so easy. A lot of persons have been asking if there is a business you can start with no money. This is one. Everything is free, if you can write your book, edit it, create an appealing cover and write a good description for your book, you can start earning money right away. Cryptocurrency: cryptocurrency gained good attention in 2018 as a source of creating residual income. There are two ways basically for making money with cryptocurrency. That is trading and mining. The good thing about this system is that you can trade from your mobile. Network marketing: network marketing or multi-level marketing is one of the oldest businesses around, a system where you start at the bottom and work your way to the top. Though the talk about multi-level marketing may not sound like a buzzword yet big companies have been using it to get hot products into the market and individuals have been using it to rise to great heights and earning both passive and massive income for themselves. Freelancing: you have probably heard of websites like up work, fiver, elance and so on, where people go to get various kinds of digital work done for them. You too can start earning money right away if you have one of the skills that are required on daily basis from these websites e.g. writing articles, editing articles, book cover design, website development etc Blogging: yes people are still earning from blogging even though the market seems to be saturated. There are more tools that make it easy for anybody to create a blog and take it to prominence. Blogging is a good way to start earning passive income but it's not the quickest way to build passive income. that being said, it is also important to note that it is one of the surest ways to build a reputation and a longer-lasting stream of residual income if you do it right. E-commerce: this used to be for big companies but today anyone can set up an e-commerce shop and start selling digital products online with WordPress and woocommerce plugins. Drop shipping: this has to do with selling physical products through well-established e-commerce platforms like Aliexpress and Amazon. You don't have to do any difficult work, just research the top-selling products and promote them on your custom built e-commerce shop that is linked to the main platform and have the product delivered by the company while you pick the profit. Mobile apps: there are more smartphones than there are human beings on the earth today. And what powers these devices? Mobile apps. If you have an idea that can solve a problem then there is an opportunity here for you to earn residual income. you don't have to be a programmer to create a mobile app. You just have to come up with the idea and outsource the job to a programmer on one of the freelance websites mentioned earlier to get it created. Video blogging: YouTube is now the second most popular website in the world. If you have flair for video, then there is an opportunity here for you to earn passive income. YouTube with its AdSense program and partners program allow creators of video content to earn on the platform. These are the top ten passive income ideas that trended in 2018. If you want to start earning passive income in 2019 then you may want to consider one of these as a starting point to build your residual income streams. But if you are already earning passive income online, I will like to know how many of these passive income ideas you have tried or are earning from. Anybody can start building wealth at anytime from anywhere today. All it takes is to have the right ideas and desire to take action on what you know or learn. You can start building your way up to financial freedom like many others have done. In this post are ideas that you can take action on right now to start building a system of financial freedom. If you are prepared to start building wealth by creating passive income from multiple streams without the additional burden of working another job, then my free gift is for you. Get instant access to my Passive Income Blueprint right now and start your way to building a fabulous lifestyle of financial freedom. Visit [http://theprofitpipeline.com] for free instant download of the blueprint now. Article Source: [http://EzineArticles.com/?Top-10-Passive-Income-Ideas-2018&id=10057529] Top 10 Passive Income Ideas 2018 |
| | Steps to Building a Strong Financial Foundation By [https://EzineArticles.com/expert/Patrick_Redo/2064245]Patrick Redo Are you the master of your wealth? You should be! In order to build a stable structure, you must begin with a heavy-duty financial foundation that will take care of you now while reinforcing your future goals. What do you need to do to put that structure in place? It is amazingly clear-cut. The tactics below will help to boost your monetary self-confidence and set yourself up for financial success. Get Organized Before you can proceed, you must be clear on where you stand financially right now. You can begin by developing a personal balance sheet. Make a list of each of your assets (what you own) and liabilities (what you owe). When you have gathered all your statistics this will give you a sense of your net worth. Next, figure out your monthly cash flow and take a check of your credit. You can use a budgeting template like this one to help simplify the process. Grow Your Net Worth - Analyze your take home pay - Make sure you are spending less than you earn. Keep track of your personal finances with a tool like Moneydesktop, which can empower you to take control of your finance and simplify your life. - Manage your debt responsibly by making your payments on time and pay extra on all your consumer debt. - Save money for your long-term goals. Open an employer sponsored 401(k) and make sure you take advantage of any employer matching programs. Protect Yourself Now that you are organized and following a growth plan you need to make sure you are financially safe. Try implementing these options. - Build an emergency fund because life happens. It's a must have to keep you financially viable - opposed to plunging into debt when you face an unexpected cost or other financial crisis. - Check your insurance coverages. These types of policies will help to limit your out-of-pocket expenses when unexpected costs arise. - Make sure you establish or update your estate plan. This may include updating your will, creating a living trust and instituting a power of attorney and a healthcare directive. Prioritize Your Debt Reduction Be conscious of over-extending by paying excessive interest on money you have borrowed. This can keep you from putting money toward your other financial goals. Debt repayment is a perfect way to start building your financial foundation. If you are interested in implementing a fast-tracked debt repayment strategy try the debt snowball method or another financial strategy to reduce your interest rates. Define your financial goals Now that you have put all the pieces together for your financial foundation it's time to ask yourself what you want for both short and long term. Remember, your goals should be SMART: Specific, Measurable, Achievable, Realistic and Time-bound. Below are a few concepts to help you get started. - Save for a down payment for a home - Build retirement fund - Save for children's college - Set up an emergency fund - Save for bucket list vacations - Become financially free Now Let's Make it Happen - Be disciplined: Stick to the plan - Maintain a balanced budget. You can't be financially healthy if you are spending more than you earn. - Automate your finances (regular money transfers from checking to savings, and online bill pay) As you can see, constructing a financial foundation takes immense focus and determination. If you follow your step-by-step process you can't help but see results. Most importantly you will begin to gain confidence in your capacity to create and stick to your new healthy financial life. Comprehensive money management starts with organization - knowing where your hard-earned dollars are going. If you follow the steps summarized above, you may well be on the road to building a strong financial foundation. Part of the DNA of allU.S. Credit Union (www. https://alluscu.com ) is to improve the financial lives of their members and increasing financial literacy. This is what separates allU.S. from other financial institutions; we are for people not for profit. Article Source: [http://EzineArticles.com/?Steps-to-Building-a-Strong-Financial-Foundation&id=10185886] Steps to Building a Strong Financial Foundation |
| | The Super Rich Among Us By [https://EzineArticles.com/expert/Irene_Mori/366585]Irene Mori Recently an article came across the internet which contained a list put out by Bloomberg and Wikipedia listing the ten richest people currently in the United States. The richest was Jeff Bezos of Amazon with the list saying that he has $114 billion at age 55, but other lists say he has $170 billion. The last on the list of ten was the former wife of Jeff Bezos with $36 billion which she received in a divorce settlement. The list also includes people who have long been listed as the richest or among the richest people in the United States or even the world such as Bill Gates and Warren Buffet. Other founders of tech giant companies included were Mark Zuckerberg, Larry Ellison, Larry Page, Sergay Brin, and Steve Balmer. A few people had inherited their money such as three Waltons who received their money from the Walmart empire. Michael Bloomberg and Charles Koch were listed as having earned their money, and Julia Koch had inherited her billions. The list said that the United States is home to 34 people who have a net worth of $10 to $40 billion. There are over 300 people who are said to have $4 to $10 billion. The United States apparently has at least 600 billionaires. That is so much money controlled by a relatively small group of people. Bill Gates was once interviewed when he became the richest person in the world after he had been the second richest the previous year. He was asked why or how that happened. He said he guessed he didn't give away enough money. The super wealthy do give away a lot of money, but they could give away so much more to those who are truly in need. Who needs so many billions of dollars? It must be at least partially a matter of power, control, and some greed. A million dollars seems out of reach for most people, and yet there are hundreds of millionaires being created on a regular basis. One million dollars may not seem like enough in some ways, especially to those who have tens or hundreds of millions. These people are able to have true freedom to spend as they wish and to do pretty much whatever they want. Money is not a restriction as it is to so many people in the world today. Many immigrants have done very well in the USA after years of hard work and toil. Such was the case for a small handful of Japanese people and their American citizen children who were incarcerated during World War II in the American concentration camps which were set up to house them as punishment for their ethnicity. They were not guilty of any crime and had done no wrong. The racism and prejudice of that time caused them to suffer untold hardship and distress. Still most of them have endured and triumphed over the difficulties they were caused to bear. While there may not be any billionaires among this group of people, there are millionaires. They have not achieved the very highest levels of income among the population and become part of the ten richest people, but some have attained an incredible amount of success given the treatment they received during the war. Overcoming adversity was difficult but important. It can be done. There are poor among us. Everyday you can see homeless people or the less fortunate begging on the streets just for a few dollars or change to buy food or other items. Unfortunately, they all too often spend what money they have on tobacco or alcohol. Everyone needs money in some shape and form. Most earn what money they have, but some people must beg for it. While a small number of people control a huge amount of the world's wealth, there is room for people to carve out a comfortable living for themselves. It behooves all of us, whether rich or poor, to reach out to those less fortunate. There are so many people in the world who are in need of help. This book of speeches and articles about the Americans of Japanese heritage includes facts about the mistreatment of Japanese Americans during World War II. This was a period when the Constitution did not protect innocent citizens and immigrants who faced severe prejudice and racism. They lost everything, but they persevered with many ultimately finding success. The book covers civil rights issues and is available on Amazon. Information on the book and other related books may be found at the website: [http://www.thejapaneseamericanstory.com]http://www.thejapaneseamericanstory.com. Article Source: [http://EzineArticles.com/?The-Super-Rich-Among-Us&id=10205674] The Super Rich Among Us |
| | How to Become Rich While You Are Still Young By [https://EzineArticles.com/expert/P_Mathivanan/1928612]P Mathivanan I would like to edit the topic question: How can I get rich on my own while I am still young? One can get rich through inheritance as well. Therefore, I'm not considering inherited wealth. How do you create wealth on your own? It's not easy. You will have to work really hard. If luck favors, you will be rich sooner. Luck, I mean favorable conditions. The difficult part: The rule of compound rate of growth and the initial point of your trajectory. Zero never gives you growth. Whatever the rate of growth you apply zero always remains zero. First, you have to enter into the positive zone. The initial amount is the biggest impact on your wealth. Therefore, you have to earn this big initial amount at the earliest. For example, you invest $1 at a compound rate of 10%, approximately after 14 years it will become $4, at the end of 21.5 years it will become $8. You will be rich by $8. At the same time, if your initial investment is $1,000,000, you will get $8,000,000 at the end of 21.5 years at 10% compound rate (800% of initial investment). The co-ordinate point from where your trajectory takes place is very important. Wise investment will make you rich: If you are able to get a higher rate of growth you will get rich sooner. In the previous example we considered only 10% compounded growth. In fact, you can get higher rate if you invest your money wisely. When I was young I invested in a mutual fund (tax scheme, lock-in period of 3 years) an amount of $5000 in order to get tax relief. After 3 years, the NAV was 500% of the initial offer price. I got $25,000. Had I invested more on this investment I would have been rich at 28. That was a favorable time in life. It's rare in life. You may get this kind of favorable conditions 3 or 4 times in your life. 3 or 4, because you missed some in the past and you might miss some more in the future. Identifying such conditions is the key to become rich. In general, young people will miss out the first chance or even more as I missed. You will miss out early chances if your mind is engaged in non-financial activities. Only experience will teach you. Short term investments will not make you richer: Time is another important deciding factor. Accumulation takes its own time. Time and higher rate of compounded growth rate will make you rich. If you want to be rich in 7 years, then the growth rate has to be much higher. If your target is $ 1,000,000,000 and now you have only $100, then every year it has to grow 10 times in order to reach your target. That is an extraordinary growth rate. So it is quite difficult to become a billionaire with an investment of $100. The probability is very, very low. Therefore, don't set an unrealistic target. Allow time to accumulate your wealth. People surrounding you is another important factor: 99% of the people surrounding you will make you to spend your money. My dad asked me money to invest in plantain crop. I gave him the money he asked for. After 1 year he told me that the entire plantain crop was flattened by the monsoon wind. The return he got was zero. My money was also gone in the wind. My uncle advised me to buy a car when I was 25. I did not have enough money to buy a car. I had to borrow money. I would have got a bank loan easily. Somehow, I postponed the idea of buying a car at that time which was really an unwanted thing. That decision was good and made me richer now. One of my neighbors was ready to sell his house and offered me a price. I did not have money at that time. I had only half of the money. I would have got a bank loan for the remaining amount. Somehow, I declined the offer. That was really, really a bad decision I made in my life. That investment would have fetched me 100000% profit by now. This is another favorable condition that I missed out. Do no invest in stock market without learning the basics Once I bought 100 share of a company(IT). Each share costed me 1200. Within 6 months, the market price reached 3600. I did not sell it thinking that it was a value stock. I decided to hold long. The next month, it started coming down due to some head wind. The entire stock market was nose diving. My stock reached to the bottom of issued price of 40 or 45. I lost all my money. Yet, I did not sell it because there was nothing to lose more. I waited, and waited for 7 years patiently to see the price going up to 85. During this period, the company had been correcting and consolidating its market share. I bought more shares of the same company. After 10 years, now it is trading at its previous peak. Another stock that I invested along with the above mentioned at around 45 had not climbed even to 100 in the initial 10 year period. In the next 3 years, it climbed to 250. In the following 3 years, it crossed 1000 and now trading at around 1500. Yet, there are other stocks that had never been able to raise their head after the collapse. This is how stocks behave in the market. There are reasons why they behave so. You have to learn the basics. My advice is a mindful living. Study your surroundings and look for favorable conditions. Invest time and money to improve yourself which will always help you. One favorable condition is enough to make you rich. Be mindful. Don't miss it. Article Source: [http://EzineArticles.com/?How-to-Become-Rich-While-You-Are-Still-Young&id=10235393] How to Become Rich While You Are Still Young |
| | Why Gold Is Insurance During Times Of Crisis By [https://EzineArticles.com/expert/Ryan_D._Forrester/2093018]Ryan D. Forrester Gold has been a part of human history since the beginning of time. For centuries, from Pharaohs to Kings gold has been associated with prestige, power, wealth, and freedom. If you don't know much about this yellow precious metal, reading this information will be a great place for you to start. So, why do I say gold is insurance during times of crisis? Well, before we begin to get into the meat of the matter I have a question for you; have you ever owned an insurance policy? If not, I'd imagine at the very least you have heard of insurance before and have a basic understanding of what it is. If you don't, Investopedia, one of the top online financial education resources, defines insurance like this: "a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. Insurance policies are used to hedge against the risk of financial losses." OK, so THAT was the insurance jargon so, to make this easier to understand I'll give you my layman's term break down; insurance is simply a promise to protect something in the event of suffering some form of loss. As a quick note, if you'd like to learn more about some basic insurance products that are valuable and important to have, read my article "4 Pillars Of Protection: Products to Consider in Your Insurance Portfolio". That said, let me explain why gold is insurance during times of crisis. During the time of this writing our world is experiencing a global pandemic called the Coronavirus disease or COVID-19. It has halted almost all regular daily activity leaving a large population of North America, and the world for that matter, unable to work and confined to self-isolation at home. When I first got news about this disease it was late in the month of December of 2019. At that time one ounce of gold was roughly $1,515 USD. Then, a few short months after as the virus accelerated around the world, the value of gold peaked at $1,700 USD in March of 2020 then, slipped back to roughly $1,650 USD by the time of this writing. It is not uncharacteristic for gold to moderately dance slightly up and down in the short-term however, long-term the trend has always been in an upward fashion. I have often said to clients that insurance is something you get but hope you never need. Well, in the same way gold is always good to have because during times of crisis people who have gold have the option of liquidating some of their gold assets in order to get their hands on some cash. And this is the reason why gold is insurance not only during times of crisis, but also over time. Let me explain what I mean by using an example based on inflation. Using a US inflation calculator I determined that what would have cost $288.50 in the year 2000, today costs $433.38 resulting in an inflation of 50.2%. This means that your money LOST more than fifty percent buying power because now you need MORE of your dollars to buy the same thing! Conversely, at the beginning of the same year on January 3, 2000, one ounce of gold valued at the same $288.50 however, on the first trading day of this year (January 6, 2020), that same one ounce of gold valued at $1,558.00!* If you had known the power of this yellow metal and simply "parked" $288.50 in one ounce of gold over that 20-year period, your asset value would have grown by 440.03%! Inflation is a slow and gradual increase over time which is why so many people don't realize the loss but, now that you KNOW the numbers you don't need to be a mathematician to conclude that a growth of 440.03% is better than a loss of 50.2%. So, if you had to choose a savings vehicle, which would you rather: cash or gold? The fact of the matter is this: when you save gold you protect your future long-term buying power but when you save cash, your buying power is constantly leaking and fighting a losing battle against inflation. If you haven't been saving gold to this point rest assured that it is not too late to start and all is not lost. The good news is, now you know. And you may have heard the saying before that KNOWLEDGE IS POWER. Well, I believe that the APPLICATION of knowledge is power because, if you know something but don't do anything, what good is just knowing? If you want to begin to apply your knowledge further check out my FREE report, "The Truth About Money - 3 Quick Key Facts You May Not Know!" and let's continue your journey to knowledge and application. To get it now, [http://ryandforrester.com/gift-the-truth-about-money/]Click Here! As a former independent insurance advisor and income protection specialist, Ryan provided clients with customized personal insurance and financial solutions through disability, life, critical illness, long-term care, and other personal insurance products. Today, his focus is on providing strategies for hedging income and preserving wealth through physical gold and silver acquisition. *First trading day and closing value of each year respectively. (www.Kitco.com) Article Source: http://EzineArticles.com/9859627 Article Source: [http://EzineArticles.com/?Why-Gold-Is-Insurance-During-Times-Of-Crisis&id=10277218] Why Gold Is Insurance During Times Of Crisis |
| | How Trump will affect your business? http://adf.ly/1fURJ7 bing.com NEWS UPDATE Americans really did crash the Canadian immigration site on Election Day USA TODAY - 45 mins ago Traffic to the Immigration, Refugees and Citizenship Canada website surged more than ... There is a page named "Immigration to Canada" on Wikipedia.org Immigration to Canada 2002. Canadian immigration policies are still evolving. As recently as 2008, Citizenship and Immigration Canada has made significant changes to streamline 81 KB (4,518 words) - 18:40, 10 November 2016 |
| | The Pokemon Go ! Video Game Review is a media franchise managed by The Pokémon Company, a Japanese consortium between Nintendo, Game Freak and Creatures. he franchise was created by Satoshi Tajiri in 1995, nd is centered on fictional creatures called "Pokémon", which humans, known as Pokémon Trainers, catch and train to battle each other for sport. The franchise began as a pair of video games for the original Game Boy, developed by Game Freak and published by Nintendo. The franchise now spans video games, trading card games, animated television shows and movies, comic books, and toys. Pokémon is the second-most successful and lucrative video game-based media franchise in the world, behind only Nintendo's Mario franchise. Pokemon Go phenomenon at launch. The game quickly became one of the most used smart device apps, surpassing the previous record held by Candy Crush Saga in the United States, and was a boon to the stock value of The Pokémon Company and Nintendo. By July 20, the game was downloaded by more than 30 million people worldwide. The game was credited with popularizing location-based gaming and augmented reality, and was praised by some medical professionals for potentially improving the mental and physical health of players, but also attracted some controversy due to reports of causing accidents and being a public nuisance at some locations. Described the game as “harmful mania,"... On July 20, 2016, it was reported that a 18-year-old boy in Chiquimula, Guatemala was shot and killed while playing the game in the late evening hours. This was the first reported death in connection with the app. The boy's 17-year-old cousin, who was accompanying the victim, was shot in the foot. Police speculated that the shooters used the game's GPS capability to find the two. " Kuwait banned the game from government sites, Indonesian officials deemed it a national security threat, and in Israel the IDF banned the game from Army bases. . Most experts in gaming and augmented reality agree that even though the developers market it as an augmented reality game, it contains some but not all aspects of an augmented reality game, and the primary genre is better described as a location-based game. The majority of players the overall experience of the game and the incentive to adventure in the real world, Development The concept for the game was conceived in 2014 by Satoru Iwata of Nintendo and Tsunekazu Ishihara of The Pokémon Company as an April Fools' Day collaboration with Google, called Pokémon Challenge. Ishihara was a fan of developer Niantic's previous augmented reality game, Ingress, and saw the game's concept as a perfect match for the Pokémon series. Niantic used data from Ingress to populate the locations for PokéStops and gyms within Pokémon Go. In 2015, Ishihara dedicated his speech at the game's announcement on September 10 to Iwata, who died two months earlier. The game's soundtrack was written by longtime Pokémon series composer, Junichi Masuda, who also assisted with some of the game's design. mong the game's visual designers was Dennis Hwang, who previously worked at Google and created the logo of Gmail. Start a Video Game Business you may also like... http://3bd7aabt61f6cue1gie2vdv12n.hop.clickbank.net/ |
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| | A cat and dog, two popular pets. A pet or companion animal is an animal kept primarily for a person's company or protection, as opposed to working animals, sport animals, livestock, and laboratory animals, which are kept primarily for performance, agricultural value, or research. The most popular pets are noted for their attractive appearances and their loyal or playful personalities. Pets commonly provide their owners or guardians, physical and emotional benefits. Walking a dog can supply both the human and pet with exercise, fresh air, and social interaction. Pets can give companionship to elderly adults who do not have adequate social interaction with other people, as well as other people that are living alone. There is a medically approved class of therapy animals, mostly dogs or cats, that are brought to visit confined humans. Pet therapy utilizes trained animals and handlers to achieve specific physical, social, cognitive, and emotional goals with patients. The most popular pets are likely dogs and cats, but people also keep house rabbits, ferrets; rodents such as gerbils, hamsters, chinchillas, fancy rats, and guinea pigs; avian pets, such as canaries, parakeets, and parrots; reptile pets, such as turtles, lizards and snakes; aquatic pets, such as goldfish, tropical fish and frogs; and arthropod pets, such as tarantulas and hermit crabs. Cat Health Secrets. http://bdb90z7y0ai8-n46t9woh84r9q.hop.clickbank.net/ Dog Training That Work Like Crazy!” http://a52e412l9dk70y3hadvs5m9k3b.hop.clickbank.net/ |
| | Why We Should Teach Kids to Code Biology, Not Just Software · Just recently, MIT researchers created a programming language for living cells that can be used by even those with no previous genetic engineering knowledge. This is part of a growing body of evidence pointing to a undeniable trend—Over the next several decades we will develop tools that will make biotechnology affordable and accessible to anyone—not just in a university or even biohacking lab—but literally at home. 1d Freeman Dyson For most people, the words … Singularity Hub BlogBiology http://singularityhub.com/2016/04/07/we-should-be-teaching-kids-to-code-biology-not-just-software/ |
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| | 10 Questions You Always Wanted to Ask About Freelancing By [http://ezinearticles.com/?expert=Peter_Louis]Peter Louis Freelancing is an increasingly popular way to work. But what is freelancing, why do people freelance and can I make a career out of it? This article answers the 10 questions you always wanted to ask about freelancing. 1. What is freelancing? Freelancing occurs when someone offers his or her services for an agreed period in return for a fee. Freelancers (also known as contractors or service providers) are independent of the businesses or individuals that hire their services. Generally, freelancers work on jobs of a short duration although contract periods do vary in length and can be and are often extended. 2. Who can become a freelancer? The short answer is anyone. There are no restrictions as to who can become a freelancer. As long as you have a skill or service that a business or individual needs then you can offer your services and be a freelancer. 3. Who hires freelancers? Freelancers are hired by individuals and organisations, including micro enterprises, small and medium sized enterprises, large companies, like Tesco, charities, local and central government, e.g., HM Revenue & Customs, and public bodies. 4. What services do freelancers offer? Freelancers offer a diverse set of services. There really isn't a fixed list. Some services offered by freelancers include: event planning and management (e.g., weddings, birthdays, etc.) book-keeping & accounting car valet virtual assistance (e.g., email & diary management, call answering, etc.) IT support & customer helpdesk Website design & development As a rule of thumb, if an organisation or individual can micro outsource it, then it can be freelanced! 5. Which services are in demand? Demand for services varies but research has shown that the demand for freelance workers increases during "times of economic uncertainty". So this is a great time to freelance! Job information sites such as itjobswatch or just searching and counting the number of freelance opportunities can provide useful information on the demand for freelance services. But don't be discouraged if your service doesn't appear popular. In fact, offering a service that has low demand also means that there is less competition and that's great for your future earnings! 6. What are the advantages of being a freelancer? There are many advantages to freelancing. Some of my favourites include: Being your own boss. Freelancing is one of best ways to start your own business. Being your own boss also allows you to decide how many hours you work, when in the year and in which locations. Getting paid to travel. If you enjoy travelling, then freelance work can take you around the country or further afield. What's more, you can travel at someone else's expense! Working from home or remotely. If your preference is to work from home then freelancing offers this flexibility and freelancers can enjoy a successful business doing just that. The Internet has created remote working possibilities that businesses across the globe are keen to use. Earning money quickly. Freelancers can be paid not only more quickly and frequently than permanent employees but they can earn much more in a given period than a permanent employee doing similar work. 7. What are the disadvantages of freelancing? But being a freelancer has some disadvantages, too. Some of which include: Annual tax return. If you're self-employed or freelance through your own company or enjoy a certain level of income, you'll have to complete HM Revenue and Customs' tax return. Thankfully, you can now do this on their Web site and get your tax calculated automatically. Having to find work. If you're a freelancer then there's no boss to give you your first (or next) job. So, it's up to you to find work. Luckily, there are Web sites that specialise in freelancing that can assist to make this process easier. Having to maintain your CV. Your CV is what's going to help you get your next job, if not your first one, so you'll need to update it as jobs are completed and new skills are acquired. This can become a chore but it's necessary if you want to convey your current experience and knowledge. 8. Where can I freelance? As mentioned, an advantage of freelancing is that it allows you to travel. Depending on your skills and the service you offer, you may work on freelance jobs locally, nationally or internationally. For example, you might offer a gardening service, which would be more likely offered to local individuals and businesses. Or you might freelance as a personal trainer and offer services locally and regionally. You can also work from the comfort of your home as a data entry operator, article writer, CCTV operator, proofreader and so on. As indicated, the Internet has opened numerous opportunities for people to work remotely without the need to be at a client's site. 9. How to get started? Place your CV on a suitable site. Some of the more popular job boards and CV aggregators include tiptopjob, jobserve, friendsreunitedjobs, totaljobs, CV-Library and jobsite. However, these sites do not specialise in micro outsourced jobs and their focus is more on capturing your CV rather than the services that you offer. Fortunately, there are specialist sites that can help you freelance your services. On these sites, you'll find jobs with differing requirements and budgets. You'll also be able to advertise 1 or more services, indicating your skills, daily or hourly rate and locations, if you also wish to work at a client's site. And unlike job boards or CV aggregators, you'll also be able to use the site to interact with job providers to, for example, clarify requirements or work with them once you've got the job! 10. Can I make a career out of freelancing? Absolutely, yes! If you're currently working, you can try out freelancing in parallel with your main job before deciding whether to do it full-time. If you're between jobs or on a career break then freelancing is a way to quickly earn some money whilst filling the empty space on your CV. And who knows, you might just like it! Summary Freelancing has become an increasingly popular way to work and has many advantages over traditional employment. This article has covered 10 questions most frequently asked about freelancing such as, what is freelancing, why do people freelance and can I make a career out of freelancing? Copyright 2011 by Peter Louis. All rights reserved Peter is the founder of [http://www.p2people.co.uk]http://www.p2people.co.uk, the free to join micro outsourcing service that makes it easy for you to outsource your jobs and freelance your services. With p2people, you can place your ads for free and almost any job can be outsourced or service freelanced, so why not join us and get started, today! Peter has over 12-years of experience in the freelancing and outsourcing marketplace and is an IE MBA, a top 3 MBA in Europe. Follow Peter and p2people on twitter at [http://twitter.com/p2people]http://twitter.com/p2people. Article Source: [http://EzineArticles.com/?10-Questions-You-Always-Wanted-to-Ask-About-Freelancing&id=6203999] 10 Questions You Always Wanted to Ask About Freelancing |
| | Housepets, particularly dogs and cats in industrialized societies, are also highly susceptible to obesity. Overweight pets have been shown to be at a higher risk of developing diabetes, liver problems, joint pain, kidney failure, and cancer. Lack of exercise and high-caloric diets are considered to be the primary contributors to pet obesity... Health benefits, Pets might have the ability to stimulate their caregivers, in particular the elderly, giving people someone to take care of, someone to exercise with, and someone to help them heal from a physically or psychologically troubled past. Having a pet may help people achieve health goals, such as lowered blood pressure, or mental goals, such as decreased stress. There is evidence that having a pet can help a person lead a longer, healthier life. Dog Dental Chews provide a daily treat while controlling plaque, tartar buildup, and bad dog breath- http://amzn.to/1JX92Tf |
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