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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 …

Cheap Vacant House Insurance – Where to Get It

Do you have a vacant house that you need insured? Want to get cheap vacant house insurance with a top-rated company? Read on …

Vacant House Insurance Tips

If you own a home that's vacant you want to protect it from vandals, burglars, fire, and acts of nature. Here are some tips on how to protect your vacant house:

* Make sure you secure all doors and windows with deadbolts and window locks.

* Install a burglar alarm. The best alerts use motion sensors and glass-breakage detectors and are linked to a local security service.

* Give you a lived-in look. Install intermittent light timers, have a neighbor pick up your mail, and have someone shovel your driveway after a snowfall.

* Ask a neighbor or hire someone to periodically check the outside and inside of your home for damage, especially after a storm.

Getting Cheap Vacant House Insurance

Vacant house insurance is generally more expensive than regular homeowners insurance because there's no one living in the house to watch and protect it. However, if your house is vacant for only a short period of time, or if you hire a caretaker to look after it, your insurance rate will be less.

Other ways to save money are:

* Purchase your vacant house insurance and your car insurance from the same company. This can save you up to 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your insurance premium.

* Raise your deductible to an amount you can afford. Raising your deductible from $ 500 to $ 1,000 can save you 15{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

* Install safety and security features like dead-bolt locks, window locks, smoke detectors, fire alarms, and sprinkler systems. This can save you 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

* Compare insurance rates with at least three different companies. This is the largest money-saver of all, as insurance rates can vary by as much as $ 1,000 or more from one company to another. …

How You Can Make Money on the Internet Starting With No Money

If you have no money to start, you can learn to earn money on the internet. You will need to invest time, effort, dedication and patience. Above all you will need to focus your effort, and not get distracted by all the email promotions. Just keep in mind you can make money on the internet with zero investment. You may be shocked and find it unbelievable that you can actually earn money on the internet starting with no money. There are however people who started with no money, no website and no product, and they are now earning money.

Some of these people are approaching a lot of money and others are only expecting a little amount of money. How much money you can make on the internet depends on how much effort you are willing to invest, how willing you are to learn through researching the available free training. Are you curious? Do you want to learn how it is possible to make money even if you are broke? You can make money on the internet with a program called affiliate marketing. You may have heard of affiliate marketing before. There are many companies who offer affiliate programs including many Fortune 500 companies.

You can earn money through promoting their peoples products and encouraging potential customers to visit there website. If a customer you referred to them, purchases a product or service, or in some cases if they just register with the company, you will be paid a commission. The responsibilities range from a few percent of the purchase price to as much as 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the purchase price. The higher missions are generally paid on knowledge products sold on the internet. Fortunately the training research is not difficult, because training is usually provided by the companies which products you will be promoting. These companies give the training because they want you to succeed, and send them lots of customers. The more customers you send these companies the more money they make.

Remember they do not pay you without you send them buying customers. They can afford to invest a little money to develop good training material. The training material gives larger numbers of successful affiliates, and increases the companies sales. The training is available in written form, video courses, and web seminars. You may want to check the training provided by more than one of the major affiliated sponsoring companies. They all have their own approaches to training and different different marketing strategies. You can find companies who offer affiliate programs through your web search engines. Just enter "affiliate program" on the search engine. You can be more specific, and enter something like "affiliate programs digital products" or "affiliate programs weight loss products". Remember you can make money on the internet! If you do not have any money to start, just get on your computer, or borrow a computer. Follow these steps:

  • Search for affiliate programs
  • Find affiliate programs that offer training
  • Register in the affiliate program
  • Complete

How to Use Printable Fake Money to Manifest Money With The Law of Attraction

When learning how to use printable fake money to manifest money with the Law of Attraction, it is important to learn a few “tricks of the printable play money trade.” This article reveals five tips to use when beginning to learn how to manifest money with the specific “prop” of pretend printable money.

Tip 1: An unusual “rule” when deciding to use printable fake money is to decide not to tell anyone what you’re doing. Why is this so important? Because by giving away your “secret,” you’re doing two things; i.e., 1) Setting yourself up to feel silly that you’ve told someone what you’re doing and having them “laugh at you” instead of supporting you, and 2) Giving them ammunition to shoot you down and discourage your holding and playing with printable play money because they think they know more about the subject than you. This gives your subconscious ammunition to fight you when you’re holding the printable money and doing your wealth affirmations and should be avoided.

Tip 2: When creating money using printable fake money in this fashion, you want to set a small goal and stay committed to seeing it through the learning curve. To do this, create a corresponding wealth affirmation that is completely believable and say it when you look at or hold the pretend printable money. When your subconscious mind wants to fight you and say, “That’s not going to happen,” focus on your commitment to seeing this through the “learning curve” of getting accustomed to combining your wealth affirmations with the printable play money and learning how to manifest money with the Law of Attraction. It might take awhile to get everything “jellied” and going in the same direction, but staying committed to it and acknowledging that there is a learning curve will help you see it through to realizing your goal.

Tip 3: Find some printable money worksheets that not only look real, but give you exercises to do in connection with using these printable money worksheets with your money affirmations and other instructions on how to attract money using the Law of Attraction. This is important because using printable fake money all by itself can work, but works much better and faster when you have more of a “program” that goes around the use of the money printable worksheets.

Tip 4: One key in learning how to attract money with printable fake money is to do it in incremental steps and to make your “wad of cash” believable. Holding a “fat wad of cash” and doing money affirmations to “win the lottery,” still won’t work because your subconscious mind will fight the enormity of the goal. Instead, take a small amount of pretend printable money and place it in view often, so your subconscious mind will “acclimate to having money around.” Does this work? Yes, but it’s important to make sure the money is placed in strategic places and coincides with an appropriate money affirmation.

Tip 5: A critical factor in …

The Secret to Attracting Money With Wealth Affirmations

Many people these days are searching to understand the secret to attracting money.

Wealth affirmations are probably the best place to start.

What are affirmations for wealth?

Wealth affirmations are positive sentences written in present tense that are used methodically to change the a persons negative habits of thought towards money, into abundant easy flowing ones.

Once you can change the way you think about money, your financial status must shift.

The sentence “you are what you think” is true and in the heart of everything.

The only reason some earn more than others is because of the way they conceive and understand money.

That is the secret to attracting money

Law of attraction:

Law of attraction means that all particles have attraction power that draws others of the same nature to each other. That is simply the way our universe works.

To understand more about this concept simply watch the movie “The secret” and you will get a good basic idea of how law of attraction works.

If you learn to change the way you observe money using wealth affirmations, law of attraction must bring you more abundance.

Now that you understand the basics of the secret to attracting money, here is a simple process you can use with your wealth affirmations.

1. Write down three affirmations for wealth you want to work on (if you want to learn how to create an affirmations simply follow the link written below)

2. Sit every morning for around 30 minutes in a quite room where you will not be disturbed

3. Clear you mind with meditation or any other form of relaxation technique you know (listening to happy music is also a great way).

4.Read you first wealth affirmation and visualize yourself already achieving the goal that is written. See yourself enjoying abundance and wealth and find how it feels to you.

Do this as if you were actually acting out the scenes and focus on the emotions behind them.

These emotions are anchors that hold allot of pulling power.

5.Do this process for about 10 minutes then move on to the next one.

6.Once you have finished all three simply let it all go and continue with your day.

If you you use this simple wealth affirmations process for at least four weeks, you will start seeing positive changes in your experience. At first, you will feel more relaxed towards money and later positive things will start manifesting all around you.…

Medical Coding Jobs From Home

Working from home and being paid well for it is a goal of many individuals. While searching out ways to accomplish this goal many have stumbled upon a niche field in medical administration called “medical coding”.

Medical coding positions are present in hospitals, physician offices, insurance companies, home health agencies, and just about anywhere medical services are being provided and billed for. In addition to traditional hourly employment in this field there are also a number of opportunities to do this type of work from the comfort of your own home.

A standard, hourly, medical coding job is what is usually advertised in the classifieds and help wanted ads. These positions usually require individuals to be present at a specific location, punch a time clock, etc. Employees are usually paid at an hourly rate and receive benefits such as paid vacation, health insurance, and paid holidays.

In contrast, most work from home medical coding jobs are contract positions. This means that a larger company who has multiple clients farm out the work into smaller portions on an individual basis. Individual medical coders who are awarded a portion of this work are called independent contractors and are considered self employed.

Most often an independent contractor will agree to receive a specified amount of work each week, code it within a specific time frame, maintain a certain accuracy standard, and in return are usually paid on a “per. chart coded” basis. While such positions usually do not include benefits such as paid vacation, medical insurance, and paid holidays it does offer an extremely flexible schedule and the ability to work from home, which saves on travel, attire, and other related expenses.

An independent contractor can expect companies that award coding contracts to provide the work and coding software while they will be responsible for providing the computer hardware, internet connection, and medical coding books. Independent contractors are also responsible for withholding their own taxes since their payments are made on their gross earnings. At year end individuals will receive a 10-99 instead of a W-2 and will need to file schedule 1040. This can also be a benefit since work related expenses such as coding books, internet, computer, etc. can be considered a tax deduction.

Most independent contraction positions are available for a specific specialty, such as pediatrics, emergency medicine, or dermatology. These positions normally require that contractors hold either a CPC or CCS coding credential and have a minimum of three years of coding within their specialty.

Each coding specialty has its own bar rate and standard pay rate. These are important to know when discussing a contract. For example, when coding emergency medicine the standard bar rate 25 charts an hour and the average pay rate is between.65 and.75 cents per. chart for professional coding. Based on these numbers and an average work week of 40 hours (for full time) or 20 hours (for part time) an independent contractor can choose the number of charts to contract for each week …

Attract Money the Right Way

With the economy in such trouble these days and so many people struggling just to get by, it is no wonder that more and more people are looking to different ways to fill their wallets. If your job just is not cutting it and you are tired of living paycheck to paycheck, then you should be open to considering the Law of Attraction and how it can be used to attract money.

Most of us have never had so much wealth that we did not know what to do with it, but if you could think about what that would feel like, you would have an understanding for how the law of Attraction works and it can help you attract money. By thinking about and focusing on the positive aspects of wealth, rather than your debt and all the bills you have, you will be more likely to have the universe working for you rather than against you.

If you have ever been deluged by bills, one after another, and just when things are getting worse, you have more unexpected expenses, then you probably already understand how the law works. When you have debt and your thoughts are only about that debt, then that is what you will attract. Therefore, if you are trying to attract money, you have to change your thinking.

Most experts in the Law of Attraction will tell you that what you get in life is a direct result of your thoughts and your focus. When you change your thinking from one of debt and absence of money, to wealth and abundance, you will see that you only attract more of it. If the rich get richer, and money attracts more money, then by changing your way of thinking, you will find that you too can attract the money that you need. …

Revenue-Based Financing for Technology Companies With No Hard Assets

WHAT IS REVENUE-BASED FINANCING?

Revenue-based financing (RBF), also known as royalty-based financing, is a unique form of financing provided by RBF investors to small- to mid-sized businesses in exchange for an agreed-upon percentage of a business’ gross revenues.

The capital provider receives monthly payments until his invested capital is repaid, along with a multiple of that invested capital.

Investment funds that provide this unique form of financing are known as RBF funds.

TERMINOLOGY

– The monthly payments are referred to as royalty payments.

– The percentage of revenue paid by the business to the capital provider is referred to as the royalty rate.

– The multiple of invested capital that is paid by the business to the capital provider is referred to as a cap.

CASE STUDY

Most RBF capital providers seek a 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} return on their investment.

Let’s use a very simple example: If a business receives $1M from an RBF capital provider, the business is expected to repay $200,000 to $250,000 per year to the capital provider. That amounts to about $17,000 to $21,000 paid per month by the business to the investor.

As such, the capital provider expects to receive the invested capital back within 4 to 5 years.

WHAT IS THE ROYALTY RATE?

Each capital provider determines its own expected royalty rate. In our simple example above, we can work backwards to determine the rate.

Let’s assume that the business produces $5M in gross revenues per year. As indicated above, they received $1M from the capital provider. They are paying $200,000 back to the investor each year.

The royalty rate in this example is $200,000/$5M = 4{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}

VARIABLE ROYALTY RATE

The royalty payments are proportional to the top line of the business. Everything else being equal, the higher the revenues that the business generates, the higher the monthly royalty payments the business makes to the capital provider.

Traditional debt consists of fixed payments. Therefore, the RBF scenario seems unfair. In a way, the business owners are being punished for their hard work and success in growing the business.

In order to remedy this problem, most royalty financing agreements incorporate a variable royalty rate schedule. In this way, the higher the revenues, the lower the royalty rate applied.

The exact sliding scale schedule is negotiated between the parties involved and clearly outlined in the term sheet and contract.

HOW DOES A BUSINESS EXIT THE REVENUE-BASED FINANCING ARRANGEMENT?

Every business, especially technology businesses, that grow very quickly will eventually outgrow their need for this form of financing.

As the business balance sheet and income statement become stronger, the business will move up the financing ladder and attract the attention of more traditional financing solution providers. The business may become eligible for traditional debt at cheaper interest rates.

As such, every revenue-based financing agreement outlines how a business can buy-down or buy-out the capital provider.

Buy-Down Option:

The business owner always has an option to buy down a portion of the royalty agreement. The specific terms for …

6 Reasons Forex Traders Lose Money

The facts are clear: most Forex traders lose money. Only about 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of traders manage to create a long term and continuous income from their efforts. The rest simply end up poorer than they were when they got started.

How can you avoid this fate and make sure your Forex trading experience is a good one?

Here are 6 reasons why traders lose money:

1. Using complex systems – Some traders believe that if a trading system is simpler than it must be insufficient. They choose complex systems which are so hard to operate that they never completely grasp them. Choose a program which is simple to operate. It's the key to making the right decisions.

2. Can not control emotions – Trading is an emotionally turbulent experience. Watching the market turn against you is always stressful. The problem is that many traders can not control their emotions and allow them to influence their decisions. They end up making silly mistakes.

3. Long learning curve – Many traders choose systems which take forever to learn. Again, this has to do with the complex issue. Wasting time is also wasting money. In addition, the longer you need to spend learning something, the more things you forget about it. This leads to bad decisions and wasted money.

4. Poor money management – Trading the Forex market is not about one single trade. It's about a whole strategy of trading and investment which requires you to strategize. You need to fit your trades to your current financial status and level of knowledge. Otherwise, one trade can wipe out your account without warning.

5. Relying too much on software – There is no harm in using automatic trading systems. Some are pretty good. However, not knowing how to trade yourself means that you are forever dependent on some program. The way to achieve a long term Forex trading success is through true knowledge and hands on experience. Software programs can make you a lot of money, but make sure to get a Forex education too.

6. Not trading with Stop Loss and Take Profit prices – This is a huge mistake which many traders do. You need to always have a target price in which you get out of the market and take the profit that you've earned. You also need to set a Stop Loss price in case the trade went against you. This is part of money management and is a critical step to stop losing money on Forex.

Avoid these mistakes and you'll have more success …

Setting Up Stability Between Family and Business

The main reason why a lot of people work practically 10 to 12 hours a day six days per week is for the leading reason for providing a better lifestyle to their spouses and children and seeing that they are happy. On many occasions they'd also like to be a part of the overall process of happiness, but rarely are they a part of it. Mainly because their business and work keeps them so busy and under pressure, they neglect this important and vital aspect of life. The primary reason for developing and generating income is to appreciate it with their loved ones which on the other hand get blurred while in the whole operation of creating wealth and establishing revenue.

Therefore, it's very important to identify a middle path that will make sure that a proper balance is established between family life and business life. In the event that this is not executed, it is likely to create friction and tension in homes and over a period of time your family members drift apart and do not build a love and a bond within them. So why do not we over the next several paragraphs talk about some of the things that could have achieved to make a perfect balance between earning money and enjoying the same with your family.

You can find thousands of bread-winners for the family that have the best of homes, cars along with other luxuries but they are not able to engage in these luxuries and are occupying making more money or pre-employed in finding methods to protect their businesses from today's very competitive and unpredictable economy.

The main reason why some people give up their jobs has been to be self-sufficient and have evenings and weekends at their convenience. Such people thirsting for independence start their own businesses. Yet over a period of time they end up slaves to their own businesses and therefore they worse off than they were when working a typical job. All the demands in having a business can be high especially throughout the initial stages that you are in the operation of taking off. As a result, it is very important to understand the art of handling business demands and your own individual and family life.

One of the best starting point would be to try to be home at least by 7 PM however much your work demands might be. With this objective you need to learn the art of delegating your work and supervising your people better. In the same light it would also be a good idea to have at least Sunday's for your own and for the pleasure and well-being of your spouse and children. Without entirely necessary you should not get into the practice of working on Sundays or weekends.

In addition you should also set out at the very least two weeks each year and try to move far from home. Here again you must understand the importance of relying on and …