231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Sub Zero Refrigerators – Are They Worth the Money?

I’m often asked by my customers if Sub Zero refrigerators are worth the money. My answer is always the same – maybe. Let me explain…

If you are talking about longevity, overall quality, and food preservation, my answer is always absolutely! And if the price tag fits in your budget, it is a no-brainer to me. I owned one a few years ago and can tell you my strawberries lasted up to two weeks (which was incredible considering my produce department background!); cheese left on a plate (as an experiment) didn’t mold or crust over after a month; and an opened container of ice cream was still fresh after discovering it more than a month and a half later.

Sub Zero claims a family can save as much as $25 a week in food spoilage because of the dual refrigeration system. I always thought that was an exaggerated claim until I owned one and estimated I was saving approximately $10 a week as a bachelor. If you are a Costco shopper and like to buy things like the multi pack of Romaine lettuce and find you can’t make it past two head before they spoil, the more humid compartment Sub Zero provides will give you more time to finish the package of lettuce.

A major advantage of having a dual refrigeration system as Sub Zero has is longevity. The average life of a refrigerator today is approximately 10.5 years. Sub Zero’s average lifecycle is 17 years. (Climate has a contributing factor. In the Pacific Northwest where it is cooler than in the southern U.S., refrigerators don’t have to work as hard because of a lower average temperature. It is not uncommon to find Sub Zero refrigerators lasting beyond 20 years here.) The reason for a longer lifespan is largely due to having two compressors. One cools the refrigerator while the other cools the freezer. Most other refrigerators have a single compressor that is working most all the time. It doesn’t take much imagination to see the dual system lasts longer.

Overall quality is excellent because these refrigerators are still built largely by hand and in the USA. They are a family owned company and take great pride in their product.

So I hear you saying, “Why does Consumer Reports show a higher rate of repair?” Consumer Reports show service history for products under warranty. This is a bit of a disadvantage for companies with a generous warranty such as Sub Zero. Most companies offer a 1 year parts and labor warranty with up to 5 years on parts. Sub Zero offers the industries strongest warranty – 2 full years parts and labor and up to 12 years on the sealed system! The other thing C.R. doesn’t tell you is that a lot of the service calls have to do with improper installation (water / icemaker not working because the installer didn’t turn the water valve on, etc.) or even for something as simple as a broken icemaker. Icemakers are the …

What Happens If You Don’t Have a Personal Budget?

Having a planned personal budget and following it daily will surely help you meet your financial needs. Personal budget is a tool that helps you have control over your money. It gives an idea of how much you can afford for your various needs. It will enable you to determine whether a certain purchase will fit within your monetary constraints or not.

Whereas, not having a personal budget disturbs your personal financial situation. Your money goes haywire, and you will be left with no money in times of emergencies. The below article helps you understand how not having a personal budget affects your personal finances. Here are some possibilities that may occur if you have no proper personal budget in place.

You spend more than you earn

Budgeting helps you plan and track your expenses. Without having a proper budget, you tend to spend more than what you earn. There are people, who irrespective of their income levels, spend every penny they earn. Spending culture is getting worse day-by-day with the changes in lifestyles and unabated consumerism. This kind of behaviour can lead you to troubles, as it leaves you with nothing at the end of the month.

You start borrowing money

As you get into the habit of living pay cheque to pay cheque, you will be left with no money to save. Hence, you start borrowing money either to maintain your expensive lifestyle or to attend your unexpected needs. It is not only the lack of financial discipline that makes you get into debt-trap but also some sudden emergencies for which you may have not prepared. Also, there are some people who are struggling to pay off their current debts and still borrow debt to maintain an expensive lifestyle.

Most of your income goes into repaying debt

Debt, if not controlled, spreads like a virus. You will take more debts to clear current debts. This way, most of your income is used to repay your debts and you will struggle to manage your finances. Using credit cards is not a bad idea. But doing so without a budget and plan on repaying the debt will lead you again into financial hardships. Further, debt issues can also impact your mental health and family relationships.

The end result – you have nothing left

Impulsive spending behaviour, uncontrolled desires and no proper personal budget are the main reasons for getting you into financial troubles. These habits leave you with no money at the end of your life. If you live pay cheque to pay cheque, you cannot save money for short-term or long-term goals.

Hence, have a proper monthly personal budget. Prioritize your spendings. Allot money for all necessary expenses and set aside some money as savings. Cut costs on unnecessary expenses like eating out, drinking and smoking, night parties, vacations/tours, etc.

Personal budget helps you stay disciplined and organized about your finances. It helps you improve your overall living condition, by allowing you to understand and change your spending behaviour. …

How to Earn 6-Figures in Holistic Nutrition

Does this story sound familiar to you?

You graduated from nutrition school totally jazzed about building your holistic nutrition practice.  You thought you had all the pieces in place for a successful nutrition business – the counseling program, the website, the business cards, the brochure, and the fire inside to spread your message about holistic health and nutrition.  You’re doing workshops, meeting referral partners, launching events, and coaching clients…you’re working your butt off!  And yet you’re almost dead broke.

I know your story, because I had the same experience!

Until one day I realized….why waste your valuable time and money building your practice using unproven strategies and trial and error, when it’s possible to discover the biggest mistakes – and the most effective strategies – of Holistic Nutrition Professionals who have careers that are already thriving?

I mean, how much money and time could you save if you could analyze, understand and MODEL real-world, profitable holistic nutrition practices?

With this in mind, I interviewed ten top holistic nutrition pros to discover EXACTLY how they built their booming careers.  And I learned that there are three keys to success in holistic nutrition.

1.    Passion

Most holistic nutritionists got into this career because they had a personal experience with nutrition that utterly transformed their own lives. They have a deep, burning conviction in the transformative power of nutrition, and a driving desire to help other people experience that transformation.

2.    Persistence

Would you believe that even Dawn Jackson Blatner, author of the best-selling “Flexitarian Diet” and featured nutritionist in magazines and TV shows all over the country, was turned down over and over again for almost every job she got? Even this brilliant and gifted nutritionist, who has made an indelible mark on the industry, had to push past “NO” a hundred times. 

Kathie Swift, Dr. Mark Hyman’s featured nutritionist in “UltraMetabolism” had to spend years convince top doctors about the benefits of nutrition and functional medicine before she could help create the now world-renowned nutrition and medical programs at Canyon Ranch Spa and Resorts.

These trailblazing holistic nutritionists had a driving passion for their work, and they simply didn’t take “no” for an answer!

3.    Passive Income

There is no doubt about it – the most successful holistic nutritionists are able to go beyond the traditional model of seeing individual clients and being paid by the hour.  These savvy nutrition pros know exactly how to package, price and market their services, so that they have products and services practically selling themselves when they’re asleep, at the gym, or on vacation at the beach!

By leveraging this kind of passive income stream, the top holistic nutrition pros have been able to easily explode their practices into the six-figure mark and beyond.

So what does studying and modeling the careers of successful Holistic Nutrition Pros mean for you?

If you’re someone with a passion for nutrition, who wants to turn that passion into a career…

It means that it IS …

How Venture Capital Is Different From Traditional Financing?

Venture capital is a new form of financing that has come as a boon for young entrepreneurs and it plays a strategic role in financing small scale enterprises and high technology and risky ventures. In all the developed and developing nations it has made its mark by providing equity capital, so, they are more like equity partners rather than financiers and they are benefited through capital gains.

As young and growing businesses need capital at the right time, not only to float their company in the market, but also to survive in the long run. When financial institutions like banks and other private financial organizations hesitate to take the risk of early stage financing, since the credibility of the budding firm is not established, venture capital firms comes into the foray to fund the project in the form of equity which can be termed as “high risk capital”.

Although there is a misconception that the interest of venture capital firms are mainly driven by cutting edge technology in the industry, it is not always the case with all venture capital firms. A venture capitalist associates high risk with huge profits. Of course after thoroughly analyzing the prospects and consequences and the viability of the project. The venture capitalist becomes a partner with the entrepreneur in his business. True venture capital financing need not confine itself to high end technology products, any risky idea with great potential can be financed and venture capital is an all powerful mechanism to promote and institutionalize entrepreneurship.

Mainly venture capital focuses on growth. A venture capitalist is very much interested to see a small business growing into a larger one. He assists in setting up the business, funding it and comes all along to seethe firm grow. If it is a potential equity participation, the venture capitalist can come out of the partnership once the company becomes profitable and take back his money by selling the shares or convertible securities. If the firm opts for a long term investment from the venture capital finance, the financier has to develop an investment attitude for a long term, say five or ten years to allow the company to make large profits.

Another form of financing is that the venture capitalist has his hands on management by which he becomes an active participant in the operations of the firm and his thinking is streamlined as to how to multiply and make quick money which is a win-win situation for both sides. Not only finance, the venture capitalist also contributes to marketing, technology upgradation and management skills to the benefit of the new firm.

The venture capitalist’s management approach is significantly different from that of a banker whose prime concern is collaterals and securities in the form of assets. He keeps his hands off the management and plays safe. The venture capitalist can also not behave like a stock market investor who invests money without having thorough knowledge about the company’s business and management. He combines the qualities of …

Importance of Acquiring Knowledge in Business

Knowledge is a resource referred to as knowledge capital or intellectual capital in a business. It is the essential element that allows businesses to operate in the market sector. The knowledge of the organization is within the human capital of the organization. Despite the rapid global changes, knowledge addresses key issues that can lead to successful management within organizations and can be used as leverage in collective bargaining of existing knowledge and creating new ones.

Understanding customers’ needs and the business environment is a huge interface of information. If a market research is done, then the knowledge of the market can be integrated to the target clients specifically in developing new products/ services and improving existing ones.

Having knowledgeable staff sets the business on a competitive edge because it helps the business run more smoothly and efficiently. For example, knowing customers’ needs and feedback to develop products or services to ensure that their needs are met.

Moreover, monitoring and reporting the changes in the business world is also needed. Knowledge in building networks by professional associations and trading partners can provide an easy way to find out what the competitors are doing and to see the latest innovations in the market sector. Making product research and development is a vital source of knowledge that can help in retaining competitive edge.

Furthermore, using knowledge more effectively can improve goods/services offered. It can increase customer satisfaction. Knowledge of the market can result better awareness of what customers want and what the staff require. Knowledge or information sharing can also improve staff productivity.

In order to manage the utilization of knowledge, there is a need to build a culture in which knowledge is valued across the business to retain the competitive advantage and understand the characteristics of the target market.

Knowledge of the business can help entrepreneurs evaluate and understand the needs of potential customers and develop products/ services that meet customer satisfaction since possible customers show different behavior patterns and preferences such as brand loyalty and the like.

Through knowledge acquisition, business supply chain management is visible everywhere and anywhere. It leads to faster growth and development. It also impacts the competitive advantage and become strategically important to understand knowledge transfer in a more predetermined fashion. The sustainability of organization depends largely on the acquisition of knowledge with a continuous learning process.

Hence, knowledge is vital to any organization because it empowers entrepreneurs to take informed decisions, improve services, produce better marketing decisions and increase profitability.…

The Different Types of Home Insurance HO-1 to HO-8

People that are concerned with their house always try to do the best thing for it. You want to ensure the financial security of it in the event of disasters damages and other occurrences.

It is important that one should have home insurance to protect the expensive investment you have and provide security for any damages might occur to the house.

Here are the different types of home insurance:

  • HO-1 Known as Basic Home Owners Insurance: This covers your dwelling and personal property against damages or losses including fire and lightening, theft, vandalism or malicious mischief and windstorm
  • HO-2 Known as Basic Homeowners Insurance Plus: HO-1 is included in this kind of categories plus other damages such as falling objects, electrical surge damages, 3 categories of water related damages from utilities or appliances, weight of ice snow,
  • HO-3 Known as Extended or Special Homeowners Insurance: 17 stated perils included in this categories of HO-2. This provides extensive coverage of your home like the structure and the content inside your house. This cover large area of your homeowners insurance also known as All Risk Policy.
  • Ho-4 Known as Renter Insurance: This kind of insurance cover the personal property only from the 17 HO-2 perils in which this policy are highly recommended for people renting an apartment which is also called as Renter’s Policy.
  • HO-5 Known as All Risk: which covers building and the personal property and is something similar to HO-3 but it differs in terms which have better protection than HO-3. This cover larger area of damages or losses with wider boundaries that owners and its properties as well is liability that might arise from passer -by or outsider.
  • HO-6 Known as Condominium Owners Insurance Coverage: This is designed for condominium owner’s which covers personal property, building items, etc. and this provides protection for claims made for mishap or damages occur. Fire, thefts and other forms of loss that will occur in the future is included.
  • HO-8 Known as Basic Older Home Coverage: Covers actual cash values or repairs in rebuilding cost and personal property where in this is designed for older house or so called historical house.

These are some of the different types of home insurance that you need to know before you get your coverage. You should know the different types you want to buy to satisfy your needs and the benefits you can get from this types of coverage.

Buying is easy but you need to look at your budget on where your money fall in on what type of insurance you can buy. Shopping is the best way to do before buying. Comparing prices from one insurance company to other is where you can get the cheaper price for your home insurance.

No time to go around to shop? There is an easy alternative way to shop without hassle and you own your time. You can go shopping online through the internet where you can explore the different types of homeowners insurance you need and …

Business Ethics – 6 Basic Principles of Business Etiquette

One of the most important, if not the most important factor in determining the chances of success in any business or professional activities is the ability to behave properly with people. Even in the early 1930s Dale Carnegie observed that the success of a man in his financial affairs, even in the technical field or engineering are fifteen percent dependent on his professional knowledge and eighty-five percent on his ability to communicate with people. In this context it is easy to explain the attempts of many researchers to formulate and justify the basic principles of ethical business communication or, as they are often called, the commandments of personal public relation or “business etiquette”. Business etiquette or the process of survival and succeeding in the business world could be explained in the following six basic principles:

  1. Punctuality (do everything on time). Delays affect the work and are a sign that a person cannot be relied upon. The principle to do everything on time applies to all service tasks. Experts studying the organization and distribution of working time recommend adding extra 25 percent to the time period that is required to perform the assigned task.
  2. Privacy (do not reveal too much). In any institutions, corporations, or particular deals there are secrets that should be kept as carefully as the ones of a personal nature. There is also no need to recount anyone heard from a colleague, supervisor or subordinate about his or her performance or personal life.
  3. Courtesy, friendliness and affability. In any situation it is necessary to behave politely, kindly and benevolent with customers, clients, customers and co-workers. This, however, does not require being friends with everyone whom you communicate in a work setting.
  4. Attention to people (think of others, and not only of yourself). Attention to the people surrounding you should be extended to colleagues, superiors and subordinates. Respect the opinions of others; try to understand why they have formed a particular point of view. Always listen to criticism and advice of colleagues, superiors and subordinates. When someone questions the quality of your work, show that you value the views and experiences of other people. Confidence should not prevent you to be modest.
  5. Appearance (dress as expected). The main approach is to fit in your environment at work, and within that environment – in your level of contingent workers. You should look the best way, which is to dress with taste, choosing matching colors. Carefully choosing accessories is important.
  6. Literacy (speak and write good language). Internal documents or letters to outside agencies should be composed paying attention to the proper language used, and all proper names transferred without errors. Do not use abusive words. Even if you only quote the words of another person around, they will be perceived as part of your own vocabulary.

Personal Air Cooler Benefits

If you’re looking for alternate methods to use energy and have cleaner air to breathe, consider the use of evaporative cooling units in lieu of central air or a regular room air conditioning unit. These units, also known as swamp coolers create a cooler environment with many pluses.

A personal air cooler with evaporative cooling technology can cool room temperatures significantly. They can also save you significantly on your electricity bill over usage of a regular refrigeration air conditioning unit. We all know how steep our air conditioning bills can be, especially in hot summer months. These swamp coolers go above and beyond cooling your air. They can also create cleaner healthier environments with features such as air cleaners built right into the cooler unit.

How do personal air coolers work?

It’s best to use these devices in areas where there is a low level of humidity as they create humidity. They also use existing hot weather to be converted to cooler temperatures. The cooler blows that cooled air into your room. When searching for an evaporative personal cooler, you will find a multitude of options. There are several considerations to consider when making your choice including the features you want as well as the design of the unit and the amount of floor space it’s meant to cool.

Personal air coolers use either direct or indirect evaporative cooling methods. While some evaporative coolers can cool entire buildings or outdoor areas, a personal cooler generally cools a smaller area such as a single room and contains louvers to allow you to direct the flow of air where you wish. One of the benefits of these is that they are generally lightweight and fairly portable. The smaller units don’t have significant reservoirs but can provide several hours of cooling for you. You can invest in larger systems to cool an entire building that have higher end components and more power. This, still reduces your electricity bill and results in cleaner air.

What are the other advantages of personal air coolers?

These units are fairly quiet, take up much less energy than a regular air conditioning unit, create cleaner air and are better for the environment. Many hydro companies are now giving rebates to customers who use more energy efficient appliances so it’s also worth checking with your local hydro company to find out if a rebate system is in place. This can significantly reduce the cost you’ll pay to use this better cooling resource.…

Financial Abundance – 5 Factors

As an “Abundant Life Coach” I get asked about the meaning of “financial abundance” very often. What this means to you can be the difference between living the lifestyle of your dreams, or settling for something less than your dreams. I want you to live the life of your dreams!

Here, then, are 5 Essential Factors of Financial Abundance:

“The Abundant Mindset”

Thousands upon thousands of books, articles, media, programs, and so much more have been produced that discuss the awesome power of our minds, and the influence of our thinking upon our lives. It is difficult to say enough or emphasize enough that truth. As I see it, we are exactly as we think.

In my work, I recommend the adoption of an “Abundant” mindset. This means so much more than finance or money, however, for the purposes of this article, I will discuss abundance only as it applies to the world of money and finance.

A financial abundance mindset means enjoying an abundant amount of money, and yet not allowing greed. Greed does not work (sorry, Gordon Gekko). Of course “financial abundance” will be a relative concept; it will probably mean something different to each person. Greed, however, is fairly obvious; it is almost like knowing (within your mid or heart) the difference between right and wrong.

Further, a financial abundance mindset means having the monetary means or resources to enjoy an abundant lifestyle, yet balancing your financial wealth with philanthropy and generous giving (see point 4). When one’s personal motives are clearly defined and one’s goals are aligned with those motives, then financial abundance becomes clear.

“Specialized Knowledge”

The largest difference between the rich and poor (or the “haves” and “have-nots”) is knowledge. Or, more specifically, the largest difference is a specialized knowledge; meaning that they have the “right” knowledge and also know how to use that knowledge to their advantage. In other words, specialized knowledge is the information or data itself, coupled with the wisdom to know how to use the information or data.

For many, specialized knowledge is an academic education such as medical or law school, while for others this might mean computer programming, aviation repair, or something. Further, many of those with a financial education know how to leverage their own money to make more money. Obviously the point is that specialized knowledge translates to earning ability.

“The Power of Compounding Interest and Investing”

For many people, diligent savings and investment of a consistent percentage of income over considerable lengths of time has lead to financial abundance. I would certainly add that economic factors always play a significant role with regard to risk in investments. Even so, living well within one’s means while investing and saving can very often lead to financial abundance.

“Generous Giving”

Generosity does not necessarily mean giving away or donating money. Mr. Zig Ziglar has said: “If you can dream it, then you can achieve it. You will get all you want in life if you help enough other …

Rich Dad Mentality Vs Poor Dad Mentality

This is the second in a series of articles based on the groundbreaking best-seller “Rich Dad, Poor Dad” written by Robert Kiyosaki. As stated in the first article, the book compares the mindset of Kiyosaki’s father-who held several degrees and an important position in the government, but struggled financially–, with the mindset of his best friend’s father-who never even finished high school but left his son a financial empire. In his book, Kiyosaki explains that the mindset held by each of these two men, his “poor dad” and his “rich dad”, was largely responsible for each man’s financial destiny.

The following quote by T. Harv Eker, author of “Secrets of the Millionaire Mind”, refers to the concept of a rich person’s mindset: “Rich people have a way of thinking that is different from poor and middle class people. They think differently about money, wealth, themselves, other people, and life.” Kiyosaki expounds this same principle in “Rich Dad, Poor Dad”.

Below you will find seven mayor differences between the “poor dad” and the “rich dad” mentality:

1. The “poor dad” mentality states that your wealth depends on your family of origin. That is, to be rich you have to be born rich. “Rich dad” espoused the view that being rich or poor is something that you learn. You can learn to think in ways that will support you, and you can raise your financial IQ by reading books on finance, talking to financially successful people, and attending seminars and lectures. When you have the right belief system and the necessary knowledge on how to create, build, and protect wealth, you will become rich even if you were not born into a wealthy family.

2. “Rich dad” taught Kiyosaki that he should get a job to learn and to acquire the necessary skills so that he could go on to start his own business. “Poor dad” saw his job as his source of income for life. While “rich dad” taught Kiyosaki to strive to become financially independent, “poor dad” taught him to depend on his employer for his financial well being.

3. When faced with an opportunity, “rich dad” would ask himself: “How can I afford this?” This forced his mind to think and to come up with creative solutions to be able to take advantage of the opportunity that had presented itself. Instead, when presented with an opportunity, “poor dad” would dismiss it by saying: “It’s too bad I can’t afford this.”

4. While “poor dad” stressed scholastic education, “rich dad” always stressed financial education.

5. For “rich dad” the main cause of poverty or financial struggle was self-inflicted fear and ignorance. “Poor dad” blamed the economy and the job market. That is, “rich dad” always took responsibility for himself and felt that he created his circumstances, while “poor dad” often felt like a victim of the outside world.

6. As for risk taking, “rich dad” taught Kiyosaki to learn to manage risk. “Poor dad” taught him that when it came …