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Month: July 2018

Financial Security Vs Financial Freedom

As you begin to embark on your journey to financial freedom, one thing that you will discover, if you have not already is that there aren’t a lot of people who are going to support your efforts. You may have shared your desires with others and receive responses that may surprise you. For example, here are some of the responses that I have received…

“That is a pipe dream”

“You can’t do that”

“You are money hungry and greedy”

Why is it that many people seem to be against your desire to obtain financial independence? The reason why is because the steps required to reach financial freedom is too uncomfortable for most people. Most people would like financial freedom. However, they value security much more than freedom. As a result, they give up on their dreams of financial freedom for the security of a safe, secure job with benefits.

Security and freedom are not the same. They are actually very different value systems. For example, if you want to make money, you can make money the secure way, by getting a job, or you can make money the freedom way, by starting your own business. Let’s contrast the two methods.

Getting a good job is a very secure way of making money. When you have a job, you know that after a given time period you are going to get a certain amount of money. Every year or so, your money is increased a certain percentage if you do a satisfactory job and if you can learn additional skills you can get a promotion, which can increase the amount of money you take home. However, this security comes at a cost of freedom.

Your employer tells you what you have to do, when you have to do it and how you must do it. Your employer tells you what hours you must work, when you can take a break, when you can eat lunch, when you can take a vacation, how long that vacation can be, etc. If you choose not to do things the way you employer desires for them to be done, you will lose your employment and as such you will lose your financial security.

Also, even if you do everything to the desire of your employer, there are outside forces beyond your control that can take your job away from you. Generally, there is a certain pay range that you qualify for based upon your job and you cannot exceed that pay range, unless you develop skills for a different job. A good job provides you with security, but it costs you freedom.

Starting your own business is a very freedom way of getting rich. However, you give up security. As a business owner you are free to decide what you want to do, when you want to do it and how you want to do it. If you want to take a two hour lunch instead of a one hour lunch, you can do so …

Impact of Technology on Business

Together with the advancement of science and technology, technological innovations grew along with it, resulting to the emergence of new equipment and gadgets. No matter how big or small your company is, technology brings both intangible and tangible benefits to become cost efficient and to meet the growing demands and needs of customers. Technological innovations affect corporate efficiency, culture and relationship among employees, clients, suppliers and customers. The type and quality of technology used affect the security of confidential business information.

Due to the burden brought by administrative tasks, like inventory, bookkeeping and records keeping, both big and small companies rely on computers to do their administrative works. The birth of Internet and online social networking sites tremendously decreased the costs of business operations. It also makes it easier for companies to use the Six Sigma management methodologies. Some firms shifted to outsourcing instead of hiring their own personnel due to the low costs associated with it. Because of the huge impact of technological innovations to companies, it is impossible for them to live with it.

Commonly used high technology equipment:

  • Computers
  • Photocopier
  • Telephone
  • Computer printer
  • Internet
  • Paper shredder
  • Multimedia projector
  • Touch screen monitors
  • Computer mouse
  • Laptop computers

Advantages of Technology to Business:

  • Customer Relations. Technology affects the way companies communicate and establish relations with their clients. In a fast moving and business environment, it is vital for them to interact with clients regularly and quickly to gain their trust and to obtain customer loyalty. With the use of Internet and online social networks, firms interact with consumers and answer all their queries about the product. Establishing effective communication with customers not only creates rapport with them, but it also creates strong public image. It allows business enterprises to reduce and to cut carbon dioxide emissions.
  • Business Operations. With the use of technological innovations, business owners and entrepreneur understand their cash flow better, how to manage their storage costs well and enables you to save time and money.
  • Corporate Culture. Technology lets employees communicate and interact with other employees in other countries. It establishes clique and prevents social tensions from arising.
  • Security. Modern security equipment enables companies to protect their financial data, confidential business information and decisions.
  • Research Opportunities. It provides a venue to conduct studies to keep themselves ahead of competitors. It allows companies to virtually travel into unknown markets.
  • Corporate Reports. With technology, business enterprises communicate effectively with their branch offices to deliver quality financial and operational reports.
  • Industrial Productivity. Through the use of business software programs or software packages, it automated traditional manufacturing process, reduces labor costs and enhances manufacturing productivity. It enables companies to increase efficiency and production output.
  • Business mobility. Technological innovations improved companies’ sales, services, shorted lead time on receiving and delivering goods and services. Enables them to penetrate multiple markets at least costs.
  • Research capacity. It enables them to conduct studies on various companies to gain knowledge on the new trends in the market and way on avoiding them.

Advantages of a Caravan Holiday

When thinking of where to go and what to do for your holidays, a caravan holiday may not be the first thing that springs to mind and other options may initially seem more appealing. However, there are many advantages to a caravan holiday that make it an excellent choice regardless of your age, personal tastes and whether you are travelling alone or with your family.

One of the main benefits of a holiday in a caravan is the flexibility and freedom that it provides. You can come and go as you please, eat when you want, not worry about disturbing people in the next room and you can choose whether to stay in or to go out and explore the surrounding area. If you own your own touring caravan, you also have the freedom to visit wherever you like, whenever you like and at just a moment’s notice. In contrast, when staying in a hotel, it is often the case that you will be limited to eating at certain times and you may need to have arrived back at the hotel each evening by a certain time.

Often, caravan sites have excellent amenities. This is another advantage that entices people to choose a caravan holiday. Caravan parks often have a choice of leisure activities, shops and restaurants meaning that all your needs are catered for and you do not need to leave the caravan site. The ease of this holds great appeal to holidaymakers as it means that they do not need to make lots of arrangements for entertainment and activities during their holiday.

Another benefit is the price. Caravan hire is often much cheaper than renting a holiday home or staying in a hotel. It is not just the cost of hiring the caravan that is cheaper, it is the overall expense of the holiday. Travel costs are usually much less and passes are often included in the package which allows you to use all the amenities and enjoy the entertainment provided. With many other types of holiday, amenities, leisure activities and entertainment are an additional cost that needs budgeting for.

Finally, many people choose caravan hire over a hotel because although they are away from home, they still feel at home. A caravan offers the comforts that you have in your own home, unlike a hotel room which can feel impersonal and is just a place to sleep for the night. Many modern caravans offer living space as well as sleeping accommodation and this allows holiday makers to relax as they would in the privacy and comfort of their own home.

Overall, a caravan holiday can be a wonderful experience that has a lot of benefits in comparison to other types of holiday. Not only will you save money, you will experience being away from home while still enjoying the comforts of home with the additional benefits of onsite amenities, leisure activities and entertainment. It is a holiday well worth considering the next time you are thinking of …

Cheap Car Insurance for Women – What Makes It Easy for Women to Find Cheap Car Insurance

Many of the companies feel more confident in giving cheap car insurance for women than that for men. Driving schools feel it easier to teach men than women. Then why is it the other way for women? Following are some of the reasons behind this.

1. Women drive safe. Men learn driving faster than women. When it comes to swiftness, they outperform women. But they are more likely to push the gas pedal harder than women. Women are less likely to cross the speed limits. They are less likely to take risks while driving. So, they are less sooner to meet with accidents and call the insurance company. Their loyalty to the traffic rules prevails them from getting tickets very often. Consequentially, insurance companies prefer women clients for offering cheap car insurance. Having a good driving history including mainly the records of accidents and traffic rule violation can help some one save even 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} in the insurance cost.

2. Women are more careful of their cars. Women are more regular in cleaning and servicing their car. Average life span of cars maintained by women are more than the cars maintained by men.

3. Insurance rate depends on the type of the car to be insured to a great extent. It is hard to find cheap insurance for sports cars, large SUVs, luxury cars. Cars with small engines, added safety and security features such as air bags, tire pressure monitoring systems, car alarms etc. Are more insurance friendly. Statistics shows that women are more likely to use such insurance friendly cars. This many a times plays a big role in helping insurance companies offer cheap car insurance for women.

It is not that women are better driver than men. But, in general, women have certain features which give them more advantage as insurance Buyers. That's why insurance companies offer more discounts in the car insurance for women. …

Fun, Money and Benefits – A Car Salesman’s Career

Have you ever thought about having a car salesman career? This could very well be the perfect time to become a professional auto salesman or auto saleswoman. The car manufacturers are making changes to the way they do business and they are holding the car dealers that represent their brand accountable for customer satisfaction. The auto makers, dealerships and the professional auto salesmen are making a conscious effort to change the less than desirable image of the car and truck salesman. An image that came from the past that is difficult to shake, but it continues to improve as the car salesman is becoming much more professional.

While the car business continues to improve so do the prospects for the person that is looking for a great career as a car salesman. Many people think you need to have the gift of gab or that you need to have an outgoing personality, but that really isn’t true. I know firsthand that a successful car salesman can be shy, introverted, outgoing or almost any personality type. A car sales career is not about your personality it is about adapting. There is no question that being a car sales person is not for everyone, but then there aren’t any universal careers.

You may not have considered a car salesman career as a possibility, but maybe you should. The life of a successful vehicle salesman can be loaded with benefits, fun and a very nice annual income. Many people talk about how bad the job of a automobile salesman is, but they are usually people that failed miserably at selling cars. People come and go in the auto business because they think all they have to do to sell cars is take people for test drives. Sorry, but that is not the case. There is more to selling cars for a living than driving around with car buyers.

A car salesman career can be a good choice for those people that aren’t cut out for college. In fact the hiring requirements for most automobile salesmen have nothing to do with going to college. A career as a car salesman is one career that does not require a college education and has the potential to earn six figures a year. Most car dealers would prefer car sales candidates that don’t have car sales experience so they don’t have to change their bad habits. The dealership will provide the car sales training needed to start you on your way to making a very nice auto salesman income.

The perks that go along with a car sales career can include a new vehicle demo, first crack at all fresh trade-ins, an unstructured workday and a chance to have some fun with your fellow car sales people. The most attractive benefit of a car sales career is the practically unlimited opportunity to make money. So if great money, fun and benefits are something that interests you consider a career as a car salesman.…

Why Work With an Insurance Adjuster

No matter where you live, what you drive or where you work, accidents are a part of life. Some of them you can see coming and know there is little you can do to stop them while others come out of here and shatter the world you know and replace with an entirely new reality. In each scenario, you can easily feel overwhelmed and ill-equipped to face the process of rebuilding. Thankfully, one does not have to face these situations alone. These are situations for an insurance adjuster.

An insurance adjuster's job is to work with you and the insurance company to get a settlement that everyone can agree with. Depending on whether they represent the insurance company or you, the client, they will work towards getting that entity the best possible exit. As such, when you are the victim, it is best to have an independent adjuster who has your back and is willing to fight for your needs.

The Job of an Insurance Adjuster

When you are dealing with an accident or natural disaster that leaves you in need of an insurance adjuster, it is vital that you understand their role in the scenario, as well as your own responsibilities.

Your Job

  • Gather any paperwork you have on hand that pertains to the situation.
  • Have pictures of before and after, if at all possible.
  • Be civil and willing to listen and let the adjuster do the talking.
  • Never make the first offer!
  • Document everything. Write down facts, numbers, times, and anyone you speak with; Considering recording these elements as much as possible.

Job of the Insurance Adjuster

  • Inspect the damage. This is the first step regardless of the type of accident or disaster.
  • In the event of an accident, they will review any police reports and speak to any witnesses
  • Inform the insurance company of the details of the accident or disaster.
  • Ascertain where liabilities lie
  • Compile a damage report so that financial losses can be assessed.
  • Be the intermediate between the parties involved
  • Determine the appropriate amount of compensation

Keep in mind that in your first interaction with an adjuster that you will likely need to give a recorded statement and if the claim is of a medical nature, sign a medical release form. Consequently, if you are not prepared to make a statement immediately following the event, it is acceptable to ask for a short period of time before talking.

When you do your part correctly and provide the adjuster with the information they need, then you can be better reel you presented and get what you need to move forward from the situation. Take your time, talk things through calmly and -eventually- your adjuster can help you move on to the other side. …

How to Save Some Money on Video Games

If you love video games, you know how expensive that habit can get. So, here are some simple ways to save money on them. That way, you can keep feeding your habit.

First of all, if you buy games online, try to always buy from the same website. The reason for that is that websites will often reward frequent buyers with coupons and discounts. They may even have a reward card or reward credit card that you can use to get points towards future game purchases.

Another option is to buy games from local game stores or department stores. Department stores tend to be pretty expensive, though. They also just do not usually offer a level of understanding and service that you can get from a local video game specialty store.

If you do plan to buy games from a local video game store, get to know your sales people. They're likely to be avid video gamers, just like you. If you get friendly with them, they may let you in on information about upcoming releases and sales. They may tell you tips and tricks for whatever game you're buying. They might even tell you not to waste your money on titles that they feel do not fit your needs or style.

So, if you're a true gamer, the bottom line is that it's best to take advantage of sales and frequent buyer programs. It's also useful to get to know your video game salespeople. That way, you might get the first word on some great deals. …

The Law of Attraction and Attracting Money

Probably the largest use of the Law of Attraction is for attracting money, or learning how to rather. Immediately when people learn about LOA they start rubbing their hands together, with a little grin on their mouths and begin trying to manifest money. But it is not quite that simple. Like with attracting love and weight loss, you must increase your present and previous perceptions about money. All of us were brought up with notions about money and how it was used in our daily lives. It is these notions that must be deal with in order to affectively manifest money.

So your first step is to get a pen and write down: To me money means__________________________________________

Write down everything you can think of about how you feel about money. Do you envy people with money and get aggrevated when someone drives in a Mercedes SUV? Do you look at the price tags of everything and say to yourself "there is no way I can afford this"? Do you begrudge bills every time they show up in your mailbox? Do you hoard you money, hiding it in secret spots all over the place? Did your parents tell you "money does not grow on trees". This is where the manifesting process begins. Put your list aside for now, we will come back to it.

Next get another piece of paper and write down: I have an abundance of financial wealth and am going to buy________________________________________________________

Write down everything … Everything you would spend money on if you had an unlimited bank account. Be creative and explore all the possibilites. Write down how much money you would make in a year in your perfect world. In doing these two steps you will soon become clear on why you may have not been financially rich yet and how you can soon come to be.

Ok, so hopefully by now you have done the following:

Thought about what money means to you. How do you feel when you think about money? Anxious, abundant..etc. If you find yourself feeling anxious you must change that emotion immediately as it will only bring you more debt and lack of money. Move into a feeling place of gratitude for everything you already have in your life.

Write down your ultimate wealth goal. How much money would you receive a year to be more than comfortable? Think big. Do not settle on a lesser amount because you do not think it is possible.

Now it is time to switch gears and get proactive.

Cut out pictures of material things you would like to have in your life and post them somewhere you can see them every day. A Vision Board is essential to attracting specific things into your life.

Expect wealth to come to you and let it come in it's own due time. Impatiently waiting for a windfall will only defeat the purpose of the intent. Find a knowing place in yourself that has faith that all is …

Quick Easy Cheap Meals

How to put a meal on the table quick.

It is very important in our busy life to be able to serve up an appetizing meal in a quick fashion. If you get in the habit of doing this one easy thing, you will become an expert at getting a  meal on the table in only minutes. Here’s one habit you can start: as soon as you walk in the door, put a pot of water on to boil. Small pot for small family; larger pot for a large family. Practice will make perfect in judging how much water to use. Then, as you are getting ready to come in the kitchen, the water is well on its way to boiling. What can you do with boiling water? You can cook potatoes, rice, macaroni, spaghetti, hard-boiled eggs, use it for hot chocolate or herb tea, throw in bouillon cubes, some veggies and leftover meat for a quick soup. The possibilities are numerous. This one habit is your first step to having quick, easy, cheap meals.

Make it easy to get dinner done.

Dinner is something that has to happen every day, for the rest of your life. Whether you cook for yourself or a family, how can we make this job easier? Plan ahead. You can plan ahead by making a list of what dinner will be for the next week and making sure you have all the ingredients. You can plan ahead by cooking several meals in one day when you have time and then freezing them to eat later. You can also plan ahead by cooking some extra food every time you cook and then using that extra food for another meal later. Talk about easy! Some of the work is done already, with very little effort. It takes only a little more effort to make 2 meatloaves instead of 1 or make 2 batches of cookies instead of 1. Then these “planned-overs” can be put in the fridge or freezer to use later (or sooner; its up to you). This is your second step to having quick, easy, cheap meals.

You can save a lot on your food bill.

You can eat healthy, fun, nutritious food and save money at the same time. One great way to save money on your food bill is to try cooking with beans, peas and lentils. If you’ve never tried them, they are very delicious, filling, and a powerhouse of nutrition. Maybe you have had them before and didn’t care for them. Try them cooked a different way. Scout around for a variety of recipes that use these healthy legumes as they are an excellent way to stretch your food dollar. You could make bean burgers, lentil loaf, or split pea soup as the main course and accompany it with some nice vegetables. When first trying out these foods, start out a little at a time. This is your third step to being able to prepare quick, easy, cheap meals.…

Family Discount Cruises, Fact or Fiction?

Many people believe Family Discount Cruises are nothing more than a myth. This group tends to be more likely the inexperienced, infrequent traveler. If you are interested in booking a family vacation cruise you should disregard this popular myth. Believing that family discount cruises do not exist could cost you a lot of money.

Dismiss the myth. Family Discount Cruises do indeed exist and are saving families thousands of dollars while enjoying fantastic, fun filled vacations aboard some amazing luxurious cruise ships.

No matter the economy, people look for discounts, deals and other ways to lower the cost of their vacation. Today, wise shoppers use coupons and other special offers to save money on goods and services. These same shoppers seeking to save money on groceries and other retail goods can save a good deal of money when booking a cruise vacation.

When booking a family discount cruise, there are a number of different options. Before deciding on your next cruise you should investigate every one of them. You’ll be surprised at how many cruise ship discounts are out there.

The most popular and easiest way to find discounts on a wide range of family cruises and vacations is only one click of the mouse.

Simply do a Google search for “Family Discount Cruises” or “Discounted Cruises” and you will find many resources.

Caveat Emptor!

Don’t make a hasty decision. Delay any bookings until you exhausted all options available. There are different resources at your disposal and you should take your time to investigate all of them.

Discount travel websites are popular for finding discounts on cruise and other vacations. Some well known travel sites are Expedia, Travelocity and Orbitz to name a few. With regard to travel websites, you are encouraged to exhaust your search completely before providing them with your personal information.

Some people feel comfortable contacting the cruise line directly, particularly if they are looking to take a last minute cruise. One word of caution here. Be aware that the cruise line will not book your cruise. They will always refer you to contact a professional travel agent..

If you belong to a membership club, you should investigate any deals they may be offering. In addition to roadside vehicle assistance, auto clubs provide special deals on a wide range of vacation travel. Another well respected membership club regularly offer great deals to senior citizens.

One alternative to researching Family Discount Cruises is to work with a professional travel agent. Travelers that work with professional agents do so for the personal attention and service not available with travel websites and membership clubs. These professional travel agents operate locally and online.

Another travel myth is that travel agents rates are higher than their online competitors. This is not true.

That myth is totally unfounded by experience. The professional travel agent industry control a large block of travelers and because of their tremendous buying power they do indeed get preferential treatment from every travel vendor.

Cruise lines rely on the …