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How to Overcome the High Costs of Living Today

Are you always worried about your household average cost of food per month or what is the average cost of groceries per person? What about average monthly cost for health insurance or average annual cost of a car? If you are married with children, are you always worried about the average child care cost, or average cost of day care? In reality, are you always worried about the average cost of living in where you are located?

In this century, will you agree that wealth creation for the average household is getting more and more challenging for the working class these days? Do you realize that our cost of living increase every year? Are you facing this situation in your life today?

Depending on which city you live in, if you are married with children, you might be saying: “It is really not sufficient to live on without any added income from my spouse. After we had our first child, all of our income will go to various expenses such as housing, essentials, food, and car.”

If you are in another city, it might be also very difficult to find even less than $15 per head for a simple meal. Taking a taxi might be also a luxury in one city but not in other cities. Even if you can own a car in a certain city, there might be car tax and road taxes that will add to your expenses.

A lot of middle and lower income groups are being squeezed by rising costs and stagnating salaries. This is greatly due to the fact that a great proportion of our disposable income has to be spent on necessities such as food and housing.

Other expenses that you might be riddled with are:

1) Taking care of retired parents including medical expenses and monthly allowances.

2) Children: Tuition, milk, diapers, education, books, toys, childcare.

3) Housing: loans, rental, property taxes, insurance, utilities, maintenance, repairs.

4) Daily expenses: Food, transportation.

5) Car: Installment, maintenance, repairs, road tax, parking, fuel.

6) Healthcare

7) Personal income tax.

8) Utilities bills.

9) Credit Cards bills.

10) Cigarettes (if you smoke).

Every month, there is less for savings and luxury items. I have often studied my own household balance sheet for many days on how to improve the cash position and I still end up concluded that the only solution I can think up with is to simply increase the household income, after already maximizing actions to cut down on other expenses.

What are the various ways that we can do to beat the high costs of living?

We can:

1) Increase our active income streams. For example: a salary increase, business sales increase, or profits from stocks trading.

2) Create an automated wealth system. In other words, increase your passive income streams such as property rental, dividends, or from royalties.

3) Cut down expenses. Feeling stress out and want to chill out? Save your money by going to the local library, go for a …

4 Ways to Advertise Your Astrology Business (The Secret Is to Start for FREE)

Who else is about to launch their astrology, new age or spiritual counseling business? Are you looking for some innovative, unique and profitable places to advertise your services… but don’t have much of a budget to begin?

The truth is, as you probably already know… about 85{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all professional astrologers, psychics, mediums, energy workers and new age advisors of ANY kind never make any real money at all.


It’s a tough, competitive business… and success has much less to do with skill, as it does with strategy. (in other words, some of the most well known dn successful astrologers, clairvoyants and spiritual coaches are the least talented, and some of the BEST, wallow in obscurity forever)

With that in mind, I want to offer you a very simple series of steps you can use to launch your brand and business TODAY, starting from scratch and quite often, getting your first clients in a matter of days.

Curious? Let’s take a look at the list below!

1 – Article Syndication. Simply stated, writing articles (like this one) for the purpose of spreading your message around the web is a very powerful way of extending your influence, and building your brand, often to places that you couldn’t reach on your own. Remember, many content directories get millions of visitors a day, and the spiritual, personal development and new age categories are VERY popular as well.

2 – Online Classifieds. Believe it or not, some of my clients have built their entire businesses on the back of Craigslist and Backpage.com. By virtue of their hyper local focus, you can quickly and easily establish yourself as a credible spiritual coach or counselor in your local community with fast, fun and FREE ads that convert like crazy. Remember, even if you only get 2 or 3 responses per ad, and you are running 1 ad a day (which is modest), and get 1 new client for every 3 or 4 calls, you can be earning good money within 10-14 days if you keep it up!

3 – Find hyper local blogs and offer to contribute content

Of course building your own brand blog is important… but so too is finding other local blogs and news sources in your community, and contributing to them. The truth is, 1 blog post in an arts and entertainment or lifestyle section of your online newspaper or community site can generate enough traffic to keep you busy for weeks, months or even years to come. (The secret is HOW you engage the visitors to keep them coming back!)

4 – Start using Tumblr aggressively! Why? Because it’s fun, easy and a creative way to curate content in your niche… and to develop a community of fans, friends and followers who will help you spread your message and grow your audience. In many ways, Tumblr is FAR superior for business than Twitter and Facebook, and yet… not 1 in 50 coaches, teachers, trainers, and “spiritual professionals” have ever used …

Important Functions of a Business Plan

Today all entrepreneurs or small business owners know and respect the importance of a business plan. But to most of them the benefit it has for their company after it has been used for an investment remains hidden. Therefore, it is important as it plays an important part in the growth and development of your business.

Business plans are documents that clearly describe the goals of the company along with all major and minor details regarding it. It is almost like a blue print of how you plan to build your company or organization. At the same time it plays the role of a medium to communicate through for investors and banks.

Not only does it guide your company towards its goals and accordingly the strategies are thought of, but even the management of your business relationships on the business plan. Before you have written a plan you only have a bad idea about what you plan to achieve and the milestones you wish to conquer. After the plan is written, the aims are clarified and you set up a plan of action. It describes everything about your organization.

Its position in the market and your products or services, a brief background story, your target customers, your budgets, your finances, strategies etc. It contains all details regarding the amount of money you need for starting up or carrying on. It is a financial tool.

The final, ready business plan can provide guidance to entrepreneurs for organizing and creating ideas to move forward. It would also contain details of where your company stands now, where it is going and where it plans to go. You can break down the goals into millions to be achieved in a year.

If you have not upgraded your company's business plan, now is the time, a lot depends on it.

You may wish to read more at: You may wish to read more at: Writing a Simple Business Plan and Sample and Example Business Plans for You …

Are You Addicted To Poverty?

If you live paycheck to paycheck, as my wife and I have many times for many years, or have ever said on a regular basis, “I can never get ahead” you may be addicted to poverty and not even know it.

The question, “Are you addicted to poverty” may sound ridiculous or even harsh but it is not meant to be. Truth is, millions of people are addicted to poverty but do not realize it. These demonstrate it through their spending habits, excessive debt, and lack of financial knowledge.

Much like the alcoholic or drug addict, I am sure even now, the “DENIAL” card is being drawn and put on the table.

Phrases like, “I am not an alcoholic, or rather “not a poverty-holic” are being expressed. Addicts are slaves to their addiction plain and simple. They live in denial. Some cannot stop the acquisition of bad debt, or the insatiable desire to spend which causes the bad debt. They know they do not have any extra to throw away but they do it anyway. After all,

“I have worked all week, I deserve this!”

The constant practice of “the prodigal lifestyle” puts millions everyday in utter financial despair while they blame the government and their next door neighbor for all their financial troubles. We live in a society of non-sober thinking that knows nothing about personal accountability, it appears this way anyhow. New generations of young people grow up everyday left to fend for themselves possessing less financial knowledge than the preceding generation.

Back to poverty…..

“I went by the field of the slothful, and by the vineyard of the man void of understanding; And, lo, it was all grown over with thorns, and nettles had covered the face thereof, and the stone wall thereof was broken down. Then I saw, and considered it well: I looked upon it, and received instruction. Yet a little sleep, a little slumber, a little folding of the hands to sleep: So shall thy poverty come as one that travelleth; and thy want as an armed man.” Proverbs 24:30-34

Poverty-holics say things like, “I can’t afford this” and teach their children “Money doesn’t grow on trees.” Meanwhile they lift no finger to educate themselves in the area needed the most, finance. So, the financial vineyard lays waste and unfruitful. In the U.S. some say, “This is America, just give me my paycheck and pack of beer, I don’t need to know anything about money, or accounting, or investing!”

Yet they struggle paycheck to paycheck as if it is the normal and right thing to do. Again I ask, “Are you addicted to poverty?” Some say they are Christians but are addicted to poverty and justify their poverty by using Bible scriptures to say it is okay and of God to be poor. Yet, no such scriptures exist.

If the American economy is to truly change, it will come, not when Christians justify their laziness, or Congress allowing the President to spend another half …

The Importance of Brochures and Flyer Prints in Business

As any businessman or woman would know, brochures and flyers are important in order to let people know the service or product that they provide. For small companies and businesses, it is ideal to utilize the great response and feedback these materials provide.

Brochures and flyers are important in a business because it raises the public's awareness for the company or the brand name. It may be small, but it should never be underestimated as many businesses have thrived thanks in no small part to the awareness raised through the distribution of brochures and flyers. In order to get high quality promotional materials, a great flyer printing service is required.

Flyers and brochures are also important because they help in associating an image with a company, product or service. A good, glossy brochure that stands out will help in the retention of a company or product's name in the mind of a consumer.

Brochures are also important because they give additional data or answer additional questions regarding the service or product that it Promotes. A brochure that answers little or no questions at all is bound to lose potential prospects. This is because of the change in the mindset of the modern consumers. Consumers nowadays want to know exactly what they are purchasing and it falls on the hands of the product producer or the company to answer questions and to insure potential clients that they will be getting their money's worth.

Because of the continuous surge in business, flyer printing or brochure prints are no longer limited to just the usual industries that use them. Other businesses, not usually seen as the type to give brochures and flyers have adopted these inexpensive and important business tools. …

Importance of Translation Service in Business

International business today compels people to travel around the world for meetings, transactions and negotiations and other corporate functions. A good business translation service should provide translators who possess excellent educational qualifications and a plethora of experience in the financial industry. Several institutions around the globe offer these services. It is important to determine the differences of language and civilization between countries, making effective translation service a must if business has to prevail.

• The significance of specialization

Providers of these services should have vast and solid understanding of finance and business. Bankers, stock brokers and economics majors are suitable for this job. Such knowledge would at least speak of unique vocation and association with the subject. The documents requiring translation are regulatory statements and reports, ports, mutual fund reports, notes of hands, financial statements etc.

• Experience

Enterprises see the corporate translation service experience, an agency has. Checking of repute and credentials may be helpful. Moreover experience generally speaks of the service providers' compliance and capability of rendering good customer services.

• Time is Money

Timely delivery of projects is of utmost importance. In legal and financial institutions, time is a constraint. Therefore deadlines must be met. Business translations are significantly more expensive than general translations.

In deciding whether your business fails or succeeds, the agency you hire for error-free corporate translation must deliver precisely the original meaning of the document with the words and style most applicable to the intended translation. A translator must not lose sight of context and comprehension. Consecutive interpreting services are meant to give the accurate version of speech or documents that sounds natural and transfers the message. To make the interpretation and transcription more natural, it is found that the translators work more in their native language in which they are proficient. It certifies the highest quality. Few ways to find good services for technical translation are:

• Find a specialist in the field.
• Look for a certified and experienced translator. If you want to get a legal document translated then look for somebody who is also a lawyer.
• Find a translator who is expedient in native language and is bilingual too.

Oral translation tips

• Critically understand and analyze the translated information.
• Enrich professional vocation.
• Highlight key elements in text.

Written translation tips

• Use a dictionary.
• Consult a specialist.
• Choose better variants.

The need for growing technical translations is growing and it is very difficult to find such translators, because they play a major role in deciding the business prospects. …

Work From Home Success Story – Embroidery Business

In 1995 my wife decided she hated her day job. The pay was meager, the commute was terrible and most importantly she felt she could achieve more with her life. At the time I was a textile machine salesmen. I sold serious industrial textile equipment which ranged from 3 ton, 15 headed embroidery machines to smaller single head embroidery machines that you can easily run out of your garage. So one day I suggested she buy a used single head machine and our business was born.

We canvased the neighborhood for local business, schools, police and fire stations for people that wanted to have their custom logo embroidered on shirts, hats and polo shirts and we found that it was pretty easy to find business. In one year the business began to grow steadily and it became similar that our single head embroidery machine was able to keep up with production.

At this point we had to make a strategic decision. Do we invest more money and grow the business? Well, we bought a 6 head embroidery machine for $ 50,000.00 (which is barely fit in our garage). The business grew and our new machine could keep pace with it quite well. We hired an employee to help run it as well.

I know what you are wondering. How much money did you make? I can tell you that there were months were we netted $ 9,000.00 per month, but that was working pretty hard and we started losing the work-life balance. Then my wife gave birth to two children and had to make another strategic decision about how hard we wanted to work. I had my own day job and was working with my wife late in the evening to help her get orders out the door. Something had to give, so this is what we decided to do.

We fired about 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of our customers, starting with the customers that demanded net 30 and 60 day terms, and to be honest we also fired customers that were too demanding (and somewhat jerky). I am a nice guy, but I have to admit I took pleasure in firing some of these clients. The end result was we were able to still net around $ 60,000.o0 per year working on average 4 hours a day for some really nice companies that treated us with respect and paid their bills on time.

Flash forward to the present, we sold the 6 head and bought a newer, faster 4 head Barudan Embroidery Machine. We purchased it used for about $ 30,000.00. I know that looks expensive, but remember we bought the first machine, a single head, for about $ 8,000.00. If the barriers to entry in this business seem high to you … that's a good thing. It prevails everyone from being able to enter too. For example, you can get started in the screen print business for $ 1,000.00. However, look around in your neighborhood, you will quickly discover that screenprinters …

Free Betting – How To Bet Without Investing Own Money

It would be nice to bet without risking and investing your own money. You could try your luck with different betting systems and strategies. But is it really possible?

To get yourself free betting capital you can use bonus promotions and free bets offered by bookies. But downside to this is that you still need to deposit your own money to receive bonus and that means you will risk it too.

Of course it’s possible to find free bets with no deposit requirements. But these are very small – around $1. And what $1 is worth? That’s right, nothing! Minimal stake in most bookies is $0.5 or $1, that means you lose two times in a row and your “Bank” is gone. Everyone will understand that betting with $1 is not serious!

So we need to return to the first option – free bets and bonuses with deposit requirement. Actually it’s possible to safely extract these promotions with betting system called Matched Betting. You can find more about it by following link below in a resource box. It will eliminate any risk to lose money. By using this system it’s possible to clear many bonuses and free bets and in that way you can build yourself a betting capital without risking to lose anything. For example, you deposit $50 in a bookmaker and they give you $50 bonus. You use matched betting system and extract it safely. Now you have $50 to bet with. Original deposited money is available for withdraw at any time after promotion is cleared. You can extract multiple bonuses and build yourself even bigger betting bank.

This is the only way to get real starting bank for online betting. Maybe you can find some bookmakers which will offer you to punt with play or some pseudo money. But betting without real money is like having sex with rubber doll.…

Money Pros and Cons – Personal Finance Basics

Is money good or is it bad? Depending how you view it, cash can be good but it has the potential to be a bad thing as well. Money can be good because it allows you the exact lifestyle you desire. It has the ability to fund your dreams such as going on holidays or could allow the chance for an early retirement. Money creates the chance to create a family, live in the city you want and allows to you to do anything you can imagine. Proper money management is the simplest way to understand personal finance basics.

The down side to money is if you live for it. By slaving away working at a place you don’t like to earn money makes it bad. Cash can misguide many of Americans to become workaholics and desert their loved ones.

Without a doubt cash does have more good aspects than bad. Unfortunately the bad things related to money are often tied with misuse or greed.

What is Money to you?

Is earning lots of money to live the life of luxury is important to you or do you want to make just enough so you can live modestly. The choice is simple with little grey area and we all make that choice when dealing with the personal finance basics in our lives.

If you want to work 60 hours a week so you can afford to drive an expensive vehicle and own a 4000 square foot home is the way you enjoy living then more power to you. Sadly, I believe|in my opinion} you have become a slave to cash if you must work that much to drive that car or live in that home.

On the other hand if you want to have 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} freedom and 0{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} responsibility then you are a slave to yourself. Money probably has no value to you and you make just enough to make ends meet. Is that bad? Who am I to say.

I’m certain there can be a happy medium when it comes to money. You can get all of the pros and none of the cons. Working hard is incredibly important but it’s good to know that you should not work for money. The more you understand personal finance basics, the more it will start to give back to you and the less you will be it’s slave.

The best advice I can give is to find an occupation that you love and would probably do it for free anyway. If you’re not happy at your job chances are it’s because you only see the dollar signs associated with the job. The way to make money a positive factor to you is to alter the way you think and love where you are. The great thing is, the more passion you put into everything in your life, the more money you will make and the happier you will be. In short you will work less and make more.


2 Free Real Witchcraft Spells For Happiness and Wealth

I know it can be hard to find free real witchcraft spells, so here are 2 that you can use. In witchcraft, rituals are often used instead of simple spells, but free real witchcraft spells can be useful when you don’t have the time or the resources to do a full ritual. The key to these 2 spells, just as with rituals and any other free real witchcraft spells is the energy you put into it. While doing these spells, you must put emotion into them and let that emotion go once finished and let the spell do it’s work.

Spell To Attract Money:

On your alter place a green candle in the center. To the right of the candle, place a twenty dollar bill. Between you and the candle, place a piece of pyrite or fools gold. To the left of the candle place your incense burner with a piece of charcoal in it. When ready to start the spell, light the charcoal and the candle and place basil on the charcoal.

Chant the following while holding the amount of money you want in your mind.

Give me money to live comfortably

Bring enough money to me

I need money to bay what I’m longing for

And I could use even more

I am a good person, I deserve this money

So my life will be cheerful and sunny.

A Spell For Happiness:

Collect three chords of thin string, one black, one blue, and one purple. While thinking about happiness, tightly braid the three chords together. Firmly tie a knot near the end of the braided chord while continuing to hold positive thoughts of happiness. Tie six more knots in the string while still holding the positive energy and happiness thoughts. Carry the chord with you until happiness is abundant in your life. Then place the chord in a safe place or offer it to one of the elements and burn it. Then scatter the ashes in a river or stream.

These are a few free real witchcraft spells. You can find hundreds more if you do the research. Ultimately you should find someone who can teach you the essential elements of being a real witch. Then you can begin to create your own spells and understand what herbs and plants, colors, stones, and numerous other elements to add together in order to get the result that you are looking for.…