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Property Tax – Pros and Cons

Property tax can be the fairest and at the same time the not so fair tax collected by municipalities.

Two of the determining factors of how it can affect what an individual will pay for this type of tax are where you live and a person’s economic condition.

Even though we all can appreciate the good points of owning a home vs. renting, when it comes to property tax, renting is by far the better option. States will collect property tax on the following:

Any additions to the property such as improvements to the land

Land itself

Any structures that are not permanent to the property

The assessment is commonly made by an exclusive county tax collector in each state. An individual’s property and land will be appraised of its value and subsequently mailed as a tax payment notice. This usually is paid through a homeowner’s escrow amount stated on their mortgage.

Many times this can negatively affect a property or land owner as the taxes in a specific state can sometimes double or triple in amount and leave the homeowner unable to afford to pay their taxes, forcing them to sell their property or land.

People on a fixed income such as Senior citizens who have retired, can be greatly affected by the increase of property tax. The value of their homes increase, but at the same time they find themselves unable to pay their taxes because of their reduced income. Unfortunately, property tax doesn’t allow much wiggle room in the event of acts of nature or personal tragedy.

Although 2.3 seems to be the average percentage for property tax, it varies greatly from state to state, making it seem highly unfair for certain states such as New Hampshire, as it is a high 4.9 percent.

It also seem unfair when states like Alabama pay 1.3 percent and yet just a little distance away in neighboring Georgia would be required to pay 2.6 percent, then even more in Florida at a rate of 3.1 percent.

So who determines how the money generated from this income is spent or in some cases wasted? The state legislatures will determine this along with the decision to increase or decrease property tax and how frequent it is collected.

Even though property tax can absolutely help states with income,the amount of property tax to be paid can be a determining factor in one’s decision where to reside to achieve the American Dream of land or home ownership.…

Alternative To Traditional Personal Trainer Jobs

When most people think of traditional personal trainer jobs, they think of someone that either meets you at the gym or your house, and takes you step by step through workouts. They need to get certain certifications, and the are typically in good shape.

The first thing to understand before we get too far is why you want to be a personal trainer. Personally, I spend 4 years in college to be a physical education teacher because I want to help people learn how to live healthy lifestyles. I want to help build their confidence, self esteem, and ability to life an active lifestyle. Sound a lot like why someone would become a personal trainer? If you have a passion for fitness, and you want to help others feel better about themselves, they why not make money doing what you love? Many people with this passion look for personal trainer jobs. They take the courses, and they try to get into a gym where they can develop a strong client base. They show up the hours that they need to, and the do their job. That does not sound too bad.

There is an alternative to the traditional personal trainer jobs. One the allows you to still help people achieve their fitness goals. It is one that you do not need any special certification to become a part of. You do not need to be at the gym from dawn till dusk meeting with clients. To top it off, you do not need to even meet with a client in order to get paid.

What is this alternative that I am talking about? I am talking about becoming a Team Beachbody Coach. This is an amazing opportunity for anyone that want to help others achieve their fitness goals to do it, and it has incredible income potential.

If you are not familiar with P90X, Insanity, Brazil Butt Lift, or 10 Minute Trainer, these are just some of the products that are sold through the Team Beachbody system. The motivated individuals that become coaches have 2 roles that they play. First, they are a fitness coach. This means that they promote the programs. Second, the business coach. This is where you promote the business aspect to others who might be looking to make some extra money, and are interested in fitness.

Why would you join Team Beachbody over finding one of the traditional personal trainer jobs out there? Well, for starters, there is an insane amount of competition out there for personal trainer jobs. They are not very easy to come across. Second, coaches have the potential to create residual income, which the average trainer does not receive. This mean that they can get paid later for work that they are doing today. Becoming a Team Beachbody coach does not mean that you can not be a traditional trainer too. In fact, if you have the credibility already, it will help you when it comes to promoting your business.…

Lease a Vehicle Without Using Personal Credit

By now all of us of heard about the challenges that many face with credit today. Not only has increasing job losses created a scenario where people can’t make their payments on time, but credit has become more more difficult to get, it least in most financial channels.

I strongly recommend seeking corporate credit, and learning everything that is available to someone who takes the time to build business credit. Business credit is a great solution to obtaining vehicle leases, credit cards, and bank lines of credit for those who have personal credit problems.

In the past credit for business was primarily reserved for those who could afford spending thousands of dollars too corporate credit services and business credit companies to build their business credit score on a new business entity. Today, technology combined lists a robust team of experts anyone who is seeking the ability to build business credit on a new or existing business editing such as a limited liability company or corporation can achieve this for under $300.

This has opened the door for many people who are considering to start a secondary stream of income or even a part time business. You can now simply form and LLC or corporation yourself and quickly in a matter of weeks and months build substantial amounts of corporate credit including leasing a new vehicle that requires nothing more then a good Paydex score.

The purpose of business credit is too obtain Financial Resources for a business with out risking your personal score and personal assets. Business credit does not require a personal guarantee. It does not require an existing or operating business. A good corporate credit system will step-by-step walk you through the process is any help you apply to the right lenders that will get you approved.

It’s important to note that many business lenders do not report to the three major reporting bureaus, Dun &Bradstreet, Experian business, and Equifax business. Only 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the corporate credit lenders report to these bureaus. So when the initial stages of establishing corporate score it’s important to know which lenders will give you a positive credit rating. This is how you bill a strong Paydex credit score for your business.

So if you’re faced of not knowing how long it’ll take to repair personal credit, I strongly urge you to take advantage of the way business credit is being built today. It’s much easier to build business Paydex from the beginning with a new business entity then waiting for personal credit repair. You will have much more credit available to you using business credit then you will have available under personal credit. And all this can be done in a matter of weeks or months. Obtaining $100,000 in various lines of business credit is a common scenario for many who use the right business credit system.

Do not spend thousands of dollars, with companies who want their money up front. The best corporate credit companies get paid when they get your …

7 Key Financial Ratios Every Startup Should Know

Apart from having a great product, good sales, good SEO, great marketing, and so on… there is one thing that is vital to the long term growth and success of a startup: good accounting.

And yes… you may not be as versed in numbers as your accountant is. But do understand: its essential to have a working knowledge of an income statement, balance sheet, and cash flow statement.

And along with that a working knowledge of key financial ratios.

And if these ratios are understood will make you a better entrepreneur, steward, company to buy and yes…investor.

Because YOU’LL know what to look for in an upcoming company.

So here are the key financial ratios every startup should:

1. Working Capital Ratio

This ratio indicates whether a company has enough assets to cover its debts.

The ratio is Current assets/Current liabilities.

(Note: current assets refer to those assets that can be turned into cash within a year, while current liabilities refers to those debts that are due within a year)

Anything below 1 indicates negative W/C (working capital). While anything over 2 means that the company is not investing excess assets; A ratio between 1.2 and 2.0 is sufficient.

So Papa Pizza, LLC has current assets are $4,615 and current liabilities are $3,003. It’s current ratio would be 1.54:

($4,615/$3,003) = 1.54

2. Debt to Equity Ratio

This is a measure of a company’s total financial leverage. It’s calculated by Total Liabilities/Total Assets.

(It can be applied to personal financial statements as well as corporate ones)

David’s Glasses, LP has total liabilities of $100,00 and equity is $20,000 the debt to equity ratio would be 5:

($100,000/$20,000)= 5

It depends on the industry, but a ratio of 0 to 1.5 would be considered good while anything over that…not so good!

Right now David has $5 of debt for every $1 of equity…he needs to clean up his balance sheet fast!

3. Gross Profit Margin Ratio

This shows a firms financial health to show revenue after Cost of Good Sold (COGS) are deducted.

It’s calculated as:

Revenue–COGS/Revenue=Gross Profit Margin

Let’s use a bigger company as an example this time:

DEF, LLC earned $20 million in revenue while incurring $10 million in COGS related expenses, so the gross profit margin would be {4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}50:

$20 million-$10 million/ $20 million=.5 or {4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}50

This means for every $1 earned it has 50 cents in gross profit…not to shabby!

4. Net Profit Margin Ratio

This shows how much the company made in OVERALL profit for every $1 it generates in sales.

It’s calculated as:

Net Income/Revenue=Net Profit

So Mikey’s Bakery earned $97,500 in net profit on $500,000 revenue so the net profit margin is {4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}19.5:

$97,500 net profit $500,000 revenue = 0.195 or {4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}19.5 net profit margin

For the record: I did exclude Operating Margin as a key financial ratio. It is a great ratio as it is used to measure a company’s pricing strategy and operating efficiency. But just I excluded it doesn’t mean you …

7 Leading Causes of Stress

In 1967, Thomas H. Holmes and Richard H. Rahe, from the University of Washington, did a study on the connection between significant life events and illness. As part of that study, they compiled a chart of the major causes of stress. That chart, which contained 43 causes of stress in 1967, was updated to 55 causes in 2006. Apparently, society is finding more causes to feel stressed.

If you knew the leading causes of stress in your life, would you take action to eradicate them? Can you eradicate stress – or is it an inoperable condition that will be with you all of your life, possibly causing your eventual death?

Which Is Your Leading Cause of Stress?

1. Finances

Most studies agree that finances are a leading cause of stress. In an online poll conducted in 2005 by LifeCare, Inc., 23 percent of respondents named finances as the leading cause of stress in their lives. Financial stress has led the list in many modern polls.

Some who name finances as the leading cause of stress cite major purchases they have to make, such as a home or car. Others are stressed by a loss of income, or mounting credit card debt. For some, financial stress will eventuate in bankruptcy. While college students stress over paying for an education, Baby Boomers and older senior citizens find that retirement income can be a major cause of stress.

2. Work

Closely tied to finances as a cause of stress is work. Our jobs or careers seem to cause constant stress. In the LifeCare poll, 21 percent of those responding listed this as the leading cause of stress in life.

How is the workplace a cause of stress? We worry about getting and keeping adequate employment. We worry about new types of work or new responsibilities. We struggle to climb a career ladder, overwhelmed by the demands. Work conditions may change, or we may have interpersonal trouble at work. Students, especially teenagers and college age students, cite school work as a cause of stress. Sometimes, work stress is brought on by others. Sometimes, we bring it on ourselves.

3. Family

Family, wonderful though each member may be, is also a leading cause of stress. Arguments erupt with a spouse or other family member. Parents divorce. Children marry. The ebb and flow of family life is filled with stress. A child moves out – an aging parent moves in.

Family health is also a leading cause of stress. A sick family member, a serious injury, pregnancy, miscarriage, or abortion all cause stress. Family changes of other kinds bring stress, too. Adoption, relocation, and job changes for just one family member can cause stress for all.

4. Personal Concerns

Personal concerns that are only indirectly created by others are another top cause of stress. Lack of control tops the list of personal concerns. Every human has a deep-seated desire for control over his or her own life. When control is weak or missing in a given …

Personal Trainer – Importance of Setting Goals

After becoming a personal trainer, you need to have a plan in mind of how you intend to build your client base. People hire personal trainers because they want to attain a particular result. Aims and objectives give you and your clients, a plan to follow in an effort to obtain an agreed upon goal. Basically, aims and objectives help you see how well your clients are doing and how well they are going forward when compared to what their ultimate goal is.

Your clients’ aims are their strength to work out. Wanting to get in the gym is the first big step. By becoming a personal trainer, you’re the key to trigger your clients’ goals. If you do not set goals and objectives with your clients, their dedication to work out may shrink over time. Goals are very influential motivators. If your clients set goals, they will be much more probable to do what is essential to attain them. People, who set goals are much more loyal towards the required result, and without loyalty you will have very little achievement. Goals increase concentration and strength in both the trainer, and the client.

Consider that client who said she needed to lose twelve pounds. Her objective may be to: burn about 1,500 calories a day, work out for one hour, workout five times per week, and lift weights twice a week for an hour. She knows exactly what she wants to do and checks her goals on a daily basis. When she wakes up in the morning, she’ll know exactly what to do. This is much more effective then if the same woman were to wake up with no plan, or clue where to begin.

A number of the people who employ you will have had some type of mental or emotional issue with their weight, and will thus be insecure of their physical fitness. Examples are the woman who is still trying to lose her baby weight still after fifteen years, or that man who wants to be physically fit, but is too tied up in his work. When you set little achievable goals for people like these and when they achieve them, they will start to feel much more confident and upbeat about what they have the capability to achieve. The end result will be setting new, more difficult goals all in an effort to be even more fit. They will start looking forward to exercising and enjoy it; and that is the biggest benefit of all.…

To be a Great Leader Takes Courage

A common characteristic of all great leaders is their willingness to take risks. This takes courage. Just being a leader doesn’t give you courage, but courage can give you a position in leadership.

Why is courage an important quality to have as a leader?

When leaders inevitably come to a place where a tough decision is required, it is their personal courage that enables them to stand firm and get through difficult situations.

Courage begins on the inside. When a difficult situation occurs the first battle is within the leader. It is a battle with personal fears and insecurities. Courage does not mean that a leader is free from feeling fear. However, courage is doing the thing that the leader is afraid to do. It takes courage to move out of the familiar and tread into uncharted territory. Despite fear, courage is the power to move forward.

It takes courage to make things right and not just smooth over ruffled feathers. The courage of true leadership is revealed while still standing in the midst of controversy and challenging circumstances. It is relatively easy and requires little effort to stay in your comfort zone or to do what is convenient. Courage is not required to stay comfortable. Leaders need essential people skills to get people to work together smoothly even if some compromise may be needed. However, it also takes courage to make a stand on what you believe to be right.

The courage of a leader will inspire commitment from their followers. Billy Graham said, “Courage is contagious. When a brave man takes a stand, the spines of others are stiffened.” When a leader demonstrates courage, it encourages others to want to follow. Seeing the courage of a leader will inspire courage in the followers. A courageous leader is inspirational!

A leader’s ability to lead is limited by fear. In reality, people who take risks and people who don’t take risks, have the same amount of fear. The desire for safety prevents progress and initiative. However courage opens doors of opportunity. Interestingly, people who don’t take chances spend time worrying about trivial and insignificant things.

As a leader what is your response to your inner fear? Do you embrace stretching experiences as a regular part of your daily life? How can you strengthen your courage and risk taking ability? Here are some suggestions.

Go and do something that you are afraid to do. This might be white-water rafting, bungee jumping, or some similar activity.

Stop avoiding confrontation. If you know you need to speak the truth to someone, don’t keep putting it off.

Take a giant step. We often get stuck in our comfort zone. Is it time for you to make the next step in your career? Do you have an unfulfilled dream that you should move towards? Think about it, talk about it with friends and family and if it seems the right thing to do – just do it!!

Eleanor Roosevelt said, “You gain strength, courage, and …

How To Get Approved For A High Risk Motorcycle Loan And Financing

Are you in the market for a motorcycle, but have bad credit and need a high risk motorcycle loan? Well don’t worry the goal of this article is provide you everything you need to know about getting approved for a high risk motorcycle loan.

First you must understand how motorcycle lenders go about classifying you as high risk. On the average, when a motorcycle lender is looking to approve any motorcycle financing they have a much higher cut off in the credit score range than an auto lender. This exists whether you have good or bad credit.

So with that said an auto lender may approve a FICO credit score of 610 as not a high risk, but a motorcycle lender would most likely classify a FICO credit score of 610 as a high risk motorcycle loan and may not offer an approval on it.

There are two reasons for this:

1. Motorcycles are much harder to repossess in good condition than an automobile. As a result of this simple fact, if you default on your motorcycle loan it is a higher risk to the motorcycle lender than an automobile lender because it is much harder to repossess a motorcycle in good condition than a car.

With all the new motorcycle riders entering the industry there is a high incident of some form of minor or major damage on many motorcycles, which translates in to a lower amount per unit a lender gets when they repossess a motorcycle for a customer that chooses to get bad credit over paying for their motorcycle loan. The damage could be from the repossession agency or the actual owner but the simple fact is motorcycle fetch much less at repossession auctions than automobiles.

This simple fact is one reason good and poor credit motorcycle loans are offered at much higher interest rates than a car and has an overall lower approval percentages when compared with cars.

2. The average motorcycle tends to depreciate very fast. Since motorcycles have higher accident rates and there are many people who once they crash do not pay off their loan, this results in higher defaults for motorcycle lenders. This is another reason motorcycle loan rates are higher and motorcycles are hard to get approved for.

Ok, now that you have a background in how a motorcycle lender views a motorcycle loan, let’s look at how you can get approved for a high risk motorcycle loan.

Step one is to really understand your credit report and credit score. Sure if you are looking for high risk motorcycle financing, you probably have had some credit issues in the past. But you never know how those credit issues played out on your credit report until you get a copy of it.

Take a look and make sure everything reported on your credit report is actually true. See every year 1000s of people just like you find creditors made errors on their credit report, which negativity impacted their credit score. If your …

Astrological Choices – Personal Sensitive Points – Midheaven, Ascendant, Nodes

There is quite a difference between intersection points in space and the physical bodies we term the planets. A planet occupies a specific location and has mass, orbit, speed, energy, influence and orb. An intersection point in space has none of that. There is no body, no mass, no orbit, no energy of its own, yet astrologers and astronomers bestow such a point with both motion and influence. Why? As astrologers, how would you feel if you did not have the ascendant, the midheaven or the lunar nodes to work with? That got your attention, didn’t it? I cannot imagine a chart without an accurate ascendant because I am not a solar chart astrologer. I cannot imagine a chart without an accurate midheaven, nor can I imagine a chart without lunar nodes. Most astrologers use those three points on a regular basis and they are not physical objects, they are merely intersection points in space.

The ascendant in a chart is an intersection between the ecliptic (Earth’s orbit around the Sun), which is the centerline of the zodiac belt and Earth’s eastern horizon at the moment of birth. We look to the eastern horizon at the moment of birth to determine the degree and sign of the ascendant. There is usually no object there. Most of the time it is a point of empty space. Occasionally a planet will rise along with the ascending degree and the planet and the empty point are considered individually. Each individual body or intersection has value and each can overlap in influence. For example, of Gemini is the rising degree then communication and information will be a strong influence on the individual. If Mars is also happens to be rising at that moment, Mars will add its influence and the communication and information indicated by Gemini rising will become faster, more active, and can, at times, be belligerent or assertive. Most astrologer use the rising sign as if it were a planet and it is not a planet. It is, however, an important personal sensitive point, that we would not want to lose for interpretation.

The same is true of the midheaven. The midheaven represents the highest point to which a planet can rise at the moment of birth. It is that point before that planet starts to move towards the descendant or setting point. Midheaven is commonly confused with zenith. Zenith is the 90 degree angle to the horizon (directly overhead). The midheaven may or may not be at that 90 degree angle at the moment of birth. At times zenith and the midheaven do coincide. If I were locating zenith or midheaven, either would be an empty point in space. Each of these points have influence and motion even without a planet in that location or point in space. The distinction is important because each succeeding four minutes of birth time brings up one degree later of the zodiac on the midheaven. The zenith moves with a slight variation depending on the …

The Psychology of Etiquette

On the role of collective unconscious in etiquette psychology and the social, cultural, historical and psychological dimensions of etiquette

Etiquette is closely related to culture as cultures provide the code of conduct and thus lay the foundation for the basic pattern of social interaction. Etiquette relates to what is socially appropriate and is very socially grounded whereas manners could be more generalized. The psychology of etiquette has to analyze social customs according to psychological principles and how etiquette or codes of behavior have developed from the collective consciousness.

Psychologically etiquette is dependent on

1. Culture and Customs of nations

2. Collective Consciousness of the people

Culture and customs define the social appropriateness of etiquette and the collective unconscious provides the foundation on which etiquette could be developed or explained. The collective consciousness is a repository of emotions or experiences of the past and especially experiences of the ancestors or people who have lived within a society and these experiences are carried over in some form to the present generation. Usually the collective consciousness is felt through a sense of shared time, shared past, shared emotions, shared history, and a sense of shared responsibility.

In psychoanalysis, collective unconscious has been referred to a part of the psyche of humanity and other life forms that seem to organize collective experiences. Carl Jung suggested that along with our personal individual consciousness, there is a collective unconscious in the psyche that is universal and impersonal in nature. In order to understand etiquette, we have to understand how the collective unconscious helps shape our taboos, traditions and perception of what is right and wrong. In fact etiquette directly relates to perception and judgment and though not morally derived could be based on deep rooted moral beliefs of a culture. These moral residues have been transmitted through generations and ingrained in the collective psyche of nations. Customs develop from these collective thoughts and perceptions and these customs tend to create the etiquette.

Etiquette relates to behaving appropriately or following certain norms or patterns of behaviour and it is psychological in its manifestation as etiquette is based on customs or traditions and perceptions dependent on the collective psyche and unconscious. Jungian psychology in fact could explain a lot of customs and patterns within cultural schemas or manifestations of cultural taboo and perceptions. Thus it could also form the basis of a cultural and etiquette psychology.

Etiquette Psychology could involve understanding of:

1. The Collective unconscious as it relates to the development of traditions and beliefs within a culture

2. The individual or personal unconscious as it relates to perception of beliefs and using these as the basis of behaviour

3. Individual behaviour as it relates to following certain perceived beliefs

4. Collective behaviour as an aggregate of individual perceptions and forming collective cultural norms and etiquette

The flow chart is given as:

collective unconscious – personal unconscious – individual behaviour – collective behaviour – culture and customs – etiquette

Etiquette is thus a product of culture and …