Air and Hotel Travel Packages Guide – What Kind of Booking Strategy Would Be Right for You?

When evaluating air and hotel travel packages offered by internet travel vendors, it’s crucial that you investigate all of the details before you book. Many of these offers are legitimate and do allow for some savings. You just need to take the time to compare offers and prices to make sure you really are getting a great deal.

If airfare and hotel accommodation are your primary concerns, you probably won’t need an “all-inclusive” package, unless it seems to offer things you know for sure you’ll really be using, such as fast Wi-Fi and dining discounts at your favorite restaurant(s). Some “bundle” deals also include car rental, in addition to air and hotel. You can combine any of the two or all three when you book your trip online.

Oftentimes it’s recommended that you wait for a last minute deal to become available before making reservations. If you’re not picky with the dates, this might be a good option for you. If you can only travel on specific dates, however, it might be a bad idea to risk it. What if a last minute deal doesn’t pop up and you are left without a reservation since you waited so long?

When you simply cannot be flexible with the travel dates, booking air and hotel travel packages well in advance is a smart thing to do. Find out how much travel expenses cost for your destination during the time of year you plan to travel. The tourist season varies depending on the location, although rates in most places are reasonably low during winter months (aside from Thanksgiving / Christmas / New Years).

Air and Hotel Packages Inclusions and Exclusions

Make sure you know exactly what the package does and does not include. Even an all inclusive package doesn’t cover things like airport baggage handling, spa services, off-site activities and tours, and gift shop items. Tipping may or may not be included, so read the policy beforehand.

Air and hotel travel packages tend to have minimum stay requirements. This could be anywhere from two nights to seven nights. Keep this in mind if your vacation dates are set in stone and there is no room for flexibility. Also note that the price you are presented with when viewing a travel package is usually intended per person. Do the math to find out if it really will be cheaper than buying 2+ plane tickets separately from the hotel room.

If you live near more than one airport, see if there is a price difference in air and hotel travel packages between all of the airports you can easily get to. Even if they are in the same state or region, some of the packages might be cheaper than the others.

The simplest and fastest way to find air and hotel travel packages is by looking over online deals. You can also sign up to receive alerts on all of the newest deals on dream vacations, from cruises to all-inclusive Caribbean resorts.

Posted in Recreation | Comments Off on Air and Hotel Travel Packages Guide – What Kind of Booking Strategy Would Be Right for You?

Is Food Poisoning a Valid Workers’ Compensation Claim?

Jobs can come with several types of hazards. From inclement weather and heavy lifting, to chemicals, violence, machinery, and more, an employee can be at risk of various workplace accidents. Under these circumstances, the risks are quite obvious. But there are also some unsuspecting risks that can happen at work. For instance, not many people would consider the food they eat at their place of employment as a risk, but it can be. Food poisoning is a common illness that can cause severe symptoms and pain for several days; and it can be easily contracted in a workplace setting given the right circumstances.

Of course, there’s always a risk of getting hurt or being involved in an accident when you step out into the world. But when it happens while you are at work, you may be entitled to compensation for your losses and damages, so long as the injury occurred while you were performing work-related duties. In the case of food poisoning, the contaminated food or drink must have been consumed while you were doing something for work specifically. If you were not performing work-related duties while consuming the contaminated food that caused you to develop food poisoning, then you would not have a valid workers’ compensation claim; or, it would be extremely difficult proving that you do.

Continue reading to learn 3 examples in which food poisoning would be a valid workers’ compensation claim, and a few more in which it would not.

3 Valid Workers’ Comp Cases of Food Poisoning:

So remember, the contaminated food or beverage must have been consumed while an employee is either performing or participating in work-related activities. Review the 3 examples below for a better understanding of when food poisoning is work-related.

I. Your employer benefited from you eating the food. If your job is to taste food, and your employer benefited from you tasting and eating the food you ate, then you could have a valid workers’ compensation claim. This could apply to food critics, food bloggers, restaurant cooks, servers, bartenders, and other vocations in which food tasting would be common part of the job.

II. Your employer provided the food. If your employer supplies the food that caused you to develop a food-borne illness, you could easily have a valid claim. For instance, if you were attending a mandatory paid work meeting that the employer had catered, and the food gave you food poisoning, it could be a valid workers’ comp claim. In contrast, if you get sick from your own food you brought from home and ate at your desk, you would not.

III. You developed food poisoning from a workplace cafeteria that is for employees only. Some workplaces have cafeterias that are strictly for employees to eat in, while others may have one that is open to the general public and employees. If you develop a food-borne illness in a cafeteria setting that is provided by the employer strictly for employees, you could have a valid claim. If the café is public, you would not.

Get Legal Representation

It can be confusing to understand what constitutes “at work” or “performing work-related duties”, so it is important to contact an experienced personal injury lawyer to determine if your workers’ comp claim is a valid one or not. They have the resources, knowledge, and experience to assess your case for validity and implement the best strategies for financial recovery.

Posted in Health | Comments Off on Is Food Poisoning a Valid Workers’ Compensation Claim?

How to Get Rid of Sour House Smell

You should start with the basics first; chances are, if you’ve reached the point of looking for help in terms of getting rid of sour house smells on the Internet, then you need to do some serious cleaning. Set aside a day, or a weekend, specifically for cleaning.

If you don’t want to or you can’t do it alone, enlist the help of those you live with. Perhaps you can also ask for your friends’ help. Bribe them with pizza and beer or brochettes and wine if you have to. Afterwards, use the following suggestions to get rid of your house smell, and maintain a fresh, aromatic or at least breathable living space.

Sour House Smell Removal

* Dry out the living quarters first, and then clean out your basement so it is empty of anything that can hold moisture and run it down there as well. Remove cardboard boxes.

* If you have a forced air heating and cooling system with ducts on your home, get the ducts checked. Decades-old houses can have mold, lots of built-up of dirt and other nasty stuff that can cause a foul odor. Your ducts can also be rusting now, so you may need to have them changed.

The newer ducts available on the market today are much more energy efficient. You’ll save air conditioning costs this summer by getting new ducts. You can also hire a company that cleans ducts to inspect the ducts you have right now. Some have a camera that can show you what is in your ducts. Be careful who you get! Use a reputable company and check with the Better Business Bureau. Ask them for references. Some only clean a short way and spray a deodorizer. The estimate to get your ducts cleaned can be hundreds of dollars less than getting new ones.

* Check your carpets. Sometimes carpets are steam cleaned unprofessionally and a lot of water remains. This causes mildewing and a related musty odor.

Remove your carpets and put in hardwood or similar type flooring, with area rugs that can be cleaned outside of the home and dried before returning to the area. If your carpets are ten years old, it doesn’t hurt to remove them.

* You may have a mold of some sort growing in your carpet or behind your wallpaper. Create a bleach solution (1:10 to start, then up to 1:4 if it does not work) and gently wash down all of your walls and mop boards. Rent a hot water carpet cleaner and put a bleach solution into the reservoir rather than the soap they try to sell you. Add a drop or two of dish soap, but add no more. It is the water that cleans, not the soap. Adding too much soap will actually make your carpet dirty because it does not rinse out of the carpet and soap bonds with dirt.

* Though chlorinated bleach is very notorious in discoloring a lot of things, you may risk using that for really heavy-smelling jobs, even on dark carpets. If you’re still wary, there’s always oxygen bleach. It kills “everything” that may be causing an odor and the hot water cleaning really helps allergies as well.

Keep babies off the rugs as breathing chemicals of any sort is especially bad for them. If the smell comes back more quickly than you think it should, get a dehumidifier.

* Never run a dehumidifier where you have an open window or you will dry out the immediate atmosphere of your home. An air conditioner actually works even better because of the filtering system in it, but if it is too cold where you live to still be using one, then stick with the dehumidifier.

* To rid your linoleum or hardwood floors of that not-so-fresh-smell, simply mix a 3:1 solution of warm water and white vinegar in your mop bucket and get to work. Remember to crack a window or two. Vinegar has a good clean smell, but it’s a strong one.

Sour House Smell Removing Products

* Buy a large pump of Febreze since it works on everything. Smelly hampers, sticky cars, sleeping bags that reek of camp fire… you name the smell, Febreze can quell. You can get it at most supermarkets.

Another idea is to use a citrus odor neutralizing spray; it’s so effective that beauticians actually use this at salons to get rid of perm smell.

* An Ozone Generator or Air-born Hydrogen Peroxide Device can also work, but they tend to be expensive and may not get to the root of the problem. Covering or filtering odors is always more costly than eliminating their source.

* If you want something a little cheaper, you can try Ozium Air Freshener-it’s the best way to keep the air in your home or work space clean and smelling fresh. Ozium does not cover up the odors associated with sour smelling houses – it eliminates them!

Ozium, the original air purifier, is a chemical agent that actually eliminates unpleasant odors and reduces airborne bacteria. Ozium actually cleanses the air through glycolized action. The Ozium glycolized formula acts directly on odor causing particles in the air.

* Electrostatic Air Filters are good for getting rid of dust buildup, but can be bad if they don’t operate properly. Electrostatic air filters work by ionizing the air that passes through the filter, collecting dust from the air by creating an electrostatic field, like a comb collects particles after being run through dry hair quickly enough.

Why are electrostatic dust collectors be bad for you? If they don’t operate properly, they can produce ozone, which is a respiratory irritant. So make sure you do your research before investing in one of these air filters.

* Try Renuzit, in any scent. If you can, try to find the Super Odor Killer scent. The fragrance in SOK (introduced in 1972) is not readily identifiable, because SOK uses a blend of perfumes left over when fragrance manufacturers produced a little too much for another company’s orders.

This blend is not only good at masking a variety of odors, it can slightly be used at higher fragrance levels without overwhelming the user. The popular and more readily available Country Kitchen scent will also suffice.

* Fresh Wave has an array of all natural, non-toxic and earth friendly products for laundry, upholstery, floors and ventilation that are designed to attract, capture and neutralize sour house odors.

Sour House Smell Prevention

* The best way to stop sour house smell from building up is to clean as you go. Put things away as soon as you’re done using them. Throw things away as soon you know you won’t use them. Everyday maintenance is the key to a breathable, livable home.

Have a presence of mind when it comes to cleanliness. Create a small space for things to be donated and recycled and clear it out as soon as it gets full. Limit your storage space and “junk” drawers so you don’t have the opportunity to just toss clutter in a closet and forget about it.

* People will tell you that the best way to get rid of mold – one of the main contributors of bad house odor – is to use an ionizing air purifier to help pull the pollutants and mold spores out of the air. Well, they’re half right.

An air purifier isn’t a bad idea for preventing mold growth, but those ionized air filters can cause health problems if they’re not constructed properly. Sometimes if an ionizing air filter isn’t built right, it will spit out ozone which, as scientists will tell you, is good for the atmosphere and bad for your lungs.

Serious complications can arise if you’re using the wrong air purifier. Choose wisely and make sure you buy from a reputable company.

Posted in Home Design | Comments Off on How to Get Rid of Sour House Smell

The Emergence of the Smartphone

Since their explosion in popularity, cell phones have become increasingly more feature-rich and sophisticated, with enough features to supplement, or even replace, other devices such as media players, digital cameras, and PDAs. On the leading edge of this technological advancement in the smartphone, a device that blurs the line between a cell phone and a PDA.

Smartphone: Changing Definitions

By definition, a smartphone is a mobile phone that incorporates a PDA (Personal Digital Assistant). A PDA is a miniature, hand-held device that replicates key features of a personal computer, most notably document viewing, task and contact management, and Internet access. A smartphone, while possibly sharing many of these features, is still primarily a “voice-centric” device, while a PDA is, by nature, “data-centric.” Rather than one device replacing the other, PDAs and smartphones have often developed in tandem, with PDAs taking on more voice-centric aspects, and smartphones including features previously limited to PDAs.

Most contemporary smartphones include Internet and e-mail access, scheduling or PIM software, contact management, and the ability to read (and sometimes compose) document formats such as Word, Excel and PDF. Many smartphones also feature built-in cameras, music players, and GPS navigation software, making them an excellent all-in-one replacement for a variety of other devices. As cell phone technology continues to develop, many features previously isolated to smartphones become common in mid-range cell phones. As such, the definition of what precisely constitutes a “smartphone” is constantly evolving.

Pricing and services for various smartphones will, of course, vary by carrier. If you have a Verizon smartphone, for example, the Blackberry Voice & Data Core Choice Bundle from Verizon Wireless offers 450 minutes of voice time, with unlimited nights and weekends and virtually unlimited Internet data usage (Web browsing, email, and instant messaging) for $79.99 a month. On the other hand, Cingular’s Good Mobile Messaging Smartphone Connect service, which is offered separately from its basic voice services, offers unlimited data usage within its coverage area for $34.99 a month. Add this to Cingular’s 450-minute basic voice package ($39.99 a month) and it comes out to a very competitive $75 a month from Cingular.

The Most Popular Smartphones

While not quite as diverse as standard cell phones, smartphones are available in a wide array of styles and capabilities. In terms of culture and mind-share, the Blackberry is probably the most popular and easily recognizable smartphone currently on the market. The Blackberry 8800, for example, features nearly everything customers have come to expect in a smartphone: a full QWERTY keyboard, Internet and email access, document viewing, an integrated music and media player, and built-in GPS capability. (For users who need a digital camera, the Blackberry Pearl or the new Blackberry Curve are excellent choices.)

On the other hand, if you’re looking for something a bit less utilitarian than the Blackberry, the Palm Treo is slim and sporty (available in a distinctive crimson red), featuring a digital camera with video capture, an MP3 player, and Bluetooth.

Like many smartphones, the Treo eliminates the need to carry around a multitude of other devices. For the user who’s really passionate about multimedia, Cingular’s ultra-slim Blackjack is one of the most video-intensive smartphones available, featuring a rich media player and Cingular Video. The Blackjack’s Cingular Music Service supports several online music stores, as well as XM satellite radio, making it an ideal choice for the user who wants a smartphone and a powerful media player in one convenient package.

As with all emergent technology, new products are constantly pushing the boundaries. Apple’s iPhone promises to raise the bar even further, not only featuring a camera, multimedia player, text messaging, Web browsing, and wireless connectivity, but a touchscreen interface and virtual keyboard that promises to bring a new level of functionality to users, with Apple’s distinctive sense of style and design.

A Smart Choice for You?

While many cell phone users will be more than happy with the features of an average cell phone, smartphones have a lot to offer people who want or need Internet access, email, and multimedia while away from the home or office. While the price tag on a smartphone is often significantly higher than a mid-range cell phone, a smartphone can be a highly economical choice when compared to the cost of all the devices it can effectively replace. For the frequent business traveler or someone who’s just on the move a lot, a smartphone can be a marvelous all-in-one solution.

Posted in Education | Comments Off on The Emergence of the Smartphone

How To Sell Digital Products On Bonanza

Digital product authors and licensed resellers have sold their products on eBay for many years. Sadly, for the past couple of years eBay has made this increasingly more difficult. This is due to their restrictions on the sale of digitally downloaded products. As a result many digital product sellers have been forced to find an alternative.

Bonanza fit the bill perfectly!

If you’re not familiar with Bonanza, it’s an online auction site very much like eBay. Bill Harding founded Bonanza in 2007. Today there are over 20 million items for sale on Bonanza. These item listings are available to nearly every country in the world. Among these items are, naturally, digitally downloaded products.

Digital products are not only fully supported on Bonanza, the digital delivery to your customer is also handled. When your product is purchased and payment completed, the buyer is able to download the product immediately.

The ability to easily list digital products, has made Bonanza one of the top venues for selling downloadable software, eBooks, plugins and more.

Listing your digital downloads is easy

  1. Register a sellers account on Bonanza.
  2. Once your account is active, login and go to your seller’s dashboard.
  3. Set up your Seller’s Booth, following the provided instructions/suggestions.
  4. Select items, then add or edit items. This will open your listings page.
  5. Select add an item. This will take you to the listing creation page.
  6. Complete the Give Your Item A Title Field.
  7. Next you will upload your product images.
  8. In the item category field, select Digital Goods, then type of item from the list of options.
  9. Enter the number of items available in the Quantity Available field.
  10. Complete the Detailed Item Description field.
  11. In the Shipping Selection field you’ll upload your digital file. (.zip file)
  12. Set a price for your item.
  13. Click the, Add This Item To Your Booth button.
  14. You’ll receive confirmation that your listing is now live.

That’s all there is to it. When your item sells, payment will be added to your PayPal account, the buyer will be able to download the item immediately. All of this is handled automatically, with no additional action required from you.

Another great feature of Bonanza is the Rewards Program. You earn reward tokens for just about every action you perform on Bonanza. Logging in and listing items are just a couple ways you earn tokens. These tokens can be used for fee discounts, listing promotion and more.

There are many other great venues for selling digital products online. However, if you sell digital products, Bonanza definitely ranks among the best. Even if you currently sell on other sites, don’t overlook Bonanza!

Posted in Marketing | Comments Off on How To Sell Digital Products On Bonanza

Getting Relevant Traffic to Your Finance Website

You want to generate traffic to your financial website. That’s understandable. Who wouldn’t want that? After all, without traffic, you won’t be able to gain traction with your site or blog. The truth is, getting traffic to your website is easy. Within a day or so, you can get floods of traffic.

Which would you rather have, 100 people who visit your website looking for quality finance-related information, or 5,000 average schmoes who won’t know a stock symbol from a hieroglyph? It’s likely you chose the 100 relevant visitors.

Perhaps you can brag to your friends that your website got 5,000 visitors. But, bragging rights do little to build a long-term financial website, one where people revisit often. That is a true test of a successful financial website (or any website, for that matter), how many people return! How many people sign up for your newsletter? And the truest “litmus test” is how many people buy products or services from you?

How to Get Relevant Traffic

Before you make your fingers bleed writing a bunch of useless articles or blog posts on your blog, take a step back and ask what you want to accomplish with it. What are your goals for your website? You should not proceed without having this basic information formulated. Otherwise, you’ll be shooting in the dark, randomly selecting topics that won’t make much of a difference towards generating any traffic, let alone targeted traffic.

After you have a grasp on your goals for the site, ask yourself who do you want to visit. You will read about phrases such as customer avatars or targeted customer, etc. Whatever it’s called, it’s a way to determine the demographics of your website.

You can get this information by checking out who visits your competition. Look up a competitor’s Twitter profile and visit the Twitter feed. Find out who is following that company or website. Those people are part of your target market. You can do this same exercise with any social media platform.

Don’t get too hung up on the demographics. You can refine the process later. Just get a get initial feel for who you believe would be the best target audience you want visiting your website.

Is the Financial Blogosphere Too Competitive?

There are thousands upon thousands of financial websites and blogs in existence. In another year, there will be thousands and thousands more. It makes you wonder if it’s worth it to continue with maintaining a finance-related website.

Here’s the good news. Just because there are thousands of websites dedicated to financial topics, most of them are junk. These websites contain sales pitches, or they contain garbage content that drives visitors away. If you can rise above this trash and give readers what they want, you will open the floodgates to not only traffic but beautiful, targeted traffic. It’s the kind of traffic bloggers dream of, but most fall short of getting.

Creating Great Financial Content

To keep yourself away from the digital riff-raff, you need to create content that wows your readers. That is essential. Otherwise, your finance site is going to be just like the rest, lost in the virtual abyss!

The big question of the day is how do you create great content? It can’t be just good. It has to be great. Now for some bad news – it won’t be excellent when you first get started. Let’s face it; most people aren’t good writers or content creators. It takes practice just like anything else.

One way to come up to speed quickly with content creation is to emulate what the top bloggers are doing. This doesn’t mean copying them word-for-word. You want to get a sense of the tone and style of their websites and tailor that to your own style.

What About Keywords and SEO?

Bloggers are all-too-familiar with the terms keywords and SEO. Keywords appropriately mean what keywords will your target market use to find the information they are looking for. SEO is a bit trickier for the uninitiated. It is an acronym for Search Engine Optimization. It’s techniques which are supposed to help the search engines figure out what your content is about.

The biggest problem with both of these concepts is they change all the time. The Master of the Search Engine Universe (Google) changes these rules as do the other less-significant search engines. What worked two years ago can put your website into search engine neverland.

One underlying concept that has withstood every change search engines make is quality content. In other words, don’t worry so much about the keywords or SEO. Just write from the heart and do it consistently. Write what you believe will be of value to your readers. Nothing more!

Another common tactic is to get other bloggers in the finance world to guest post on your blog or website. Preferably, you want to choose people who are rising in the ranks of influence. Although these influencers are competitors, the web works best when everyone works together to give the readers the best value possible. Everyone wins when this happens, even all the participating competitors.

If you don’t have time for content creation but still want to generate quality traffic to your website, consider outsourcing the task. You may have to go through a few outsourcers to find ones who will do a great job for you. But, once you find them, as long as you are willing to keep them happy ($$$), you won’t have to keep looking for them.

On this note, don’t skimp out on price when looking for a quality writer. They are qualified for a reason. If you bottom fish, you will constantly be looking for new writers. When you find a good writer and pay him or her a lousy rate, it won’t take long for him or her to find another client who pays better.

It’s worth it to pay up for your writers. When you give them what they deserve, and you are fair to them, you have them for life. You will get a return on that investment by growing the right kind of audience for your financial blog.

Posted in Finance | Comments Off on Getting Relevant Traffic to Your Finance Website

Insurance Agent Marketing Online – Build Trust by Writing Articles

As insurance agents it can sometimes feel a little challenging to know how to best market online without coming across poorly. One of the best methods for establishing yourself in the marketplace is to build trust by writing articles.

Providing quality content that informs your potential customer about the different products or insurance solutions gives them an opportunity to learn more about you and the services that you give.

It shows them that you are knowledgeable.

It shows them that you have experience and that you know your products. This builds trust and establishes you as an expert in your field. Think about it this way, when you are buying a car you don’t want to buy the car from someone who doesn’t know the difference between a V6 and a V8. No, in fact, if you are working with a car sales agent that appears to know less about the car than you do, you may not want to buy the car from them.

Knowing your product places you ahead of your competition because it shows that you care enough about the products that you sell to learn how they work and how they can benefit your customer.

When you market yourself as an expert in the insurance industry by creating quality content that your customers will find value in, you will ultimately create a more effective brand.

Insurance agents that take the time to learn their products and spend the time writing the articles will build the trust and build the brand. Potential customers will seek out the most experienced insurance agents to do business with. They want to person that understands what they need and can get it to them for the best price.

Your customers will be looking for someone who knows what they are talking about and puts out articles that articulate that understanding. Marketing online on a smaller budget takes patience and a willingess to become an expert in your field.

Posted in Insurance | Comments Off on Insurance Agent Marketing Online – Build Trust by Writing Articles

Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

I was lucky as a kid to have my father as a business mentor. When the time came and I entered the business world, I could not lean on him as he passed away young. The Rich Dad / Poor dad books were my saving grace when it came to financial education. Several of the concepts I knew about because of my father but the advanced strategies and the “how to” really came from the Rich Dad books. Tom is a Rich Dad advisor.

Why is this important to me?

I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life and career. If you want to continuously improve, you have to be committed to continuous learning. Lever the continuous learning with the right associations and you will succeed in your career.

The Cash flow quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant then you can make an OK income but if you focus on the right side then you can become rich. Robert Kiyosaki points out in Rich Dad / Poor Dad that the left sides of the quadrant people make money, pay tax and then spend it. On the right side of the quadrant people make money, spend it and then pay their taxes. This is a huge difference and can be the biggest success lever in your financial arsenal.

Tax-Free Wealth points out 24 Tax Strategies you can use on your way to Tax-Free Wealth. For the sake of time I will point out a few along with some commentary about each.

1. Rule # 1 – It is your money, not the governments. People tend to run scared when it comes to taxes. Remember that you are the one creating the value and making the business work, be smart and utilize tax strategies to minimize tax and maximize your investment. The key here is tax avoidance NOT tax evasion. Every concept in this book is totally legal and encouraged by the IRS.

2. Rule # 2 – The Tax Law is written to permanently lower your taxes. All financial plans need a solid foundation. This is why you simply can NOT focus on rate of return only. You can make a huge rate of return but if you can lose it because of a law suit or 50% gets eaten up in taxes then you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start business. The reason the government does this is because businesses create jobs and that is the single biggest economic driver.

3. Rule # 3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, Travel and other business related expenses. You can combine vacation and work legitimately and write it off as a business expense. If you travel and sell items then go on sales calls in the vacation area. If you are a real-estate investor then travel where you may invest.

4. 4. Rule # 24 – Build massive passive income through your tax savings. This is the strongest wealth builder in the book because you lever up compound interest, velocity of money and leverage. Utilizing these three vehicles along with investment stacking and you will be rich. The goal is to build your business and make the money there and turn it into passive income and then park the added money into cash flow investments like real estate. You want your money working harder than you do. You do not want to trade hours for dollars. Let me give you an example.

In our software company there are two ways to build wealth and that is through intellectual property and maintenance agreements. These two things used together will build a company that can be sold for 2-4X revenues. Now to foster that investment with leverage, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the business pays me comes back as investment income which means lower taxes. The new revenue the additional maintenance contracts bring foster new contracts. The next step is to use “good debt” to leverage our coverage and purchase more maintenance contract revenue with our software platform.

In summary, you make money in your business and hold it in passive income generating assets using good leverage, velocity of money and compound interest.

Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is lever your financial education. If you take control of your education and schedule 30 minutes per day dedicated to this then you will reap results. You cannot put your financial future in the hands of somebody else. Take on the responsibility and good things will happen.

Posted in Bussiness | Comments Off on Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

Golf Solitaire Strategy Guide

Golf Solitaire (Sometimes also referred to as Forty Thieves) is a fun solitaire game, requiring great anticipation, and a good degree of luck. Whilst it is not possible to win every game, there are certain strategies you can use to greatly increase your chances of winning Golf Solitaire, and this article will go into some of them.

The most important thing to realize with Golf Solitaire is that Kings and Aces are

special. Every other card in the deck can be removed onto cards ranked directly

above or below the card. For example, a 5 can be removed onto a 4 or a 6.

But Aces and Kings are different.

An Ace can only be removed onto a Two, and a King can only be removed onto a

Queen.

This means you have to be particularly careful when you use Queen’s and

Two’s.

Because of this, the very first thing you should do when you start a game of Golf

Solitaire is to count all the Kings and Aces.

If all the Kings are in the tableau, then every time you remove a Queen, you MUST

make sure you also remove a King, or you wont be able to finish the game. And if a

Queen is dealt from the Talon, then you MUST remove a King straight away. If you

can’t, you may as well undo, or start a new game.

Similarly, if all four Aces are in the tableau, then every time you remove a Two, you

MUST make sure you also remove a Ace, and if a Two is dealt from the Talon, then

you must immediately remove an Ace.

If all the Aces and Kings aren’t out, then you need to keep track of how many Two’s

and Queen’s have been dealt from the Talon. In this case you don’t need to use

every Two or Queen on a Ace or King, but if you keep track and work out that there

are not enough Two’s or Queens left to remove all the remaining Aces or Kings, then

it is time to undo…

Just being aware of this one facet of Golf Solitaire will immediately increase your

chances of winning. It takes about 5 seconds to count the Aces and Kings at the

start of the game, but it will help to dramatically improve your winning percentage!

There are other ways to further increase your chances of winning Golf

Solitaire…

If you have a choice between removing two cards of the same rank, one being the

last card in it’s stack, and the other having cards above it, then make sure you

choose the card in the stack with cards above it. Removing the last card in the

stack will not help you to remove any other cards, but removing the card with

cards above it will expose new cards, which will help to form new sequences, and

will give you more options later in the game.

You should also look at which cards will be exposed when given a choice between

removing cards of equal value. There are two things to look for:

1) Is the exposed card an Ace or a King? If so, it might be worthwhile exposing so it

can be removed if a Two or a Queen is dealt.

2) Does the exposed card help with any other potential sequences at the moment? If

so, then it may be worth exposing because it might help make a longer sequence

later. eg: If there are a lot of Fours and Sixes exposed at the moment, then exposing

a Five might be worthwhile.

Finally, it’s often worth planning out sequences, and playing around with

alternatives, to see how long a sequence you can make. You will often find that the

first sequence you can see in Golf Solitaire is not the best one, and a different

sequence might help you to remove a lot more cards. You may find it helps to point

your finger at the screen while planning out your sequence. It seems to help the

thinking process, and helps you to remember the sequence!

If you follow these strategies, will you win every game of Golf Solitaire?

No, you won’t. There is too much luck involved, and most games will not be

finishable.

You will greatly increase your chances of winning Golf Solitaire though, and spend

less time trying to finish games which can’t possibly be won.

Posted in Recreation | Comments Off on Golf Solitaire Strategy Guide

Fitness Motivation and Weight Loss for Beginners

When you think about losing weight, working out is usually the first thing that comes to mind, along with dieting most of the times. Obviously, this is with a reason, working out plays a huge role in weight loss. Here we’ll find out a couple of things you need to know when you want to start working out for weight loss.

Always start small

When you haven’t worked out for years and suddenly want to start hitting the gym five days a week, you are setting yourself up for failure. Not only do your muscles need to be build up slowly, your mind also needs to accustom to your new routine and make a habit out of it. So, it’s a better idea to start with working out one or two days a week and stick to light exercises in the week. Yoga or walking can be a great place to start building some muscle and improving your fitness.

You need to plan your work-out sessions

I don’t know how this works for you, but if I don’t plan something than it doesn’t happen. This also goes for work-outs, you need to create a plan that fits within your schedule and stick to it. You should also make it yourself as easy as possible. This means that you put out your work-out wear before you go to bed, or sleep in it even. This could also mean that you work-out at home or that you choose a gym that is close to your home or work.

Don’t try to make it perfect

Trust me, you’re not always going to stick to your schedule perfectly. Some days you won’t find the time or you’re just not feeling it. You could give up your entire journey because you failed one time, but isn’t is a lot better to go harder the next day. Use your failures to remind yourself why you are doing what you’re doing and don’t let them get you down.

Learn to persists

When you start with your fitness journey you are very motivated, but this initial motivation will fade slowly. Many people quit trying when they do lose their motivation. If you always quit when it’s getting hard then you won’t ever be able to achieve anything. So, change things this time and persist just a little longer to make working out a habit, before you know it you’ll have lost all the weight and gained muscle.

Find a work-out that you love

The only way you’ll stick to your routine is when you love what you’re doing. Don’t force yourself to hit the gym when you absolutely hate it, maybe you’re more of a runner. Or when you despise having to get out in the cold to run, then possibly an inside yoga session is more your thing. I promise that there is something out there for you as well, you only need to find it.

Find the motivation within yourself

Exercising because you promised your wife, or because you want to be skinny isn’t the best motivation in the world. Of course, it will work the first few weeks, but you won’t last long. You need a motivation that comes from within, like feeling happier or improving your health. That kind of motivation will last a lifetime.

Fitness is a personal journey that I can tell you all about what I want, but you’re the one that will need to do the work. There are no shortcuts to health, you’ll need to work. So, don’t wait around any longer, start today if you can. Starting is half the work, so purchase a fitness book, go out and buy new sportswear or create your work-out schedule for next week. Now all I can do for you is hope that you follow my tips and wish you all the best of luck on your fitness journey.

Posted in Health | Comments Off on Fitness Motivation and Weight Loss for Beginners