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Money Mastery – Three Easy Steps to Mastering Your Financial Destiny

When I was a kid I was constantly told, "We can not afford that; we can only get this; ask your dad if you can have that; you must save your money for a rainy day; start saving now for retirement." Do not get me wrong, I understand the intent of some of these messages and that they may even hold value for some people but I also have learned that these statements can lead to potential financial paralysis.

By hearing those statements over and over again, I developed what could have been my Money Destiny. That Money Destiny led me to believe I would never have enough money, that I must always save and never spend, and that I was not financially safe. These messages repeated themselves in my mind every time I needed to make a money decision or anytime I thought about money. Soon thereafter I found myself resenting the "mean green" and at times wanting to rebel against it. Thank goodness I realized one day that should I continue down this same Money Destiny road, I was destined to have just enough (not plenty) or none at all for that matter or worry about money constantly, and stay in the middleclass.

When I noticed how I was making decisions that would keep me in the same place and never propel me forward financially, I knew it was time to bust my old patterns, break debilitating money-habits, and create a new money system, a new Money Destiny. Doing this was going to take some mental, emotional, spiritual, and physical work, oh yeah, and financial work as well! It meant I was going to have to stop listening to what I had been told all my years growing up as a child as well as stop playing the "tape recording" of these messages over in my mind. It also meant I was going to have to buck this old system every time it flashed before my eyes! My intention in sharing this article with you is to help you break down your conditioned mindset and build it up with a new one that actually works with you and not against you. This is a mindset that YOU are going to create, nobody else will be creating it for you. Is not that exciting?

So what does mastering money look like? Mastering your money literally boils down to one thing: your mindset. Have you ever noticed that when your bills are paid off for the month and you have some extra "bread" in savings, you are just bouncing around the planet like you are rich (even if you are not)? However, on the contrary, have you noticed that when you do not have enough to make ends meet and you're struggling to figure out where the next dollar will come from to pay your rent or mortgage, you never seem to see the light ? And, have you ever noticed that you actually decided, either consciously or subconsciously, which …

Making Money Sports Betting Requires A Plan

Millions of people the world over bet on sports. Most of them have no idea what they are doing. They bounce from one system to the next hiring for some miracle that will win every time. Or they spend hours looking at stats hoping to find some intuitive edge they can bet. They would be better off flipping a coin, or not betting at all.

Making money betting on sports requires a plan. And that plan should not include reliance upon a betting system that promises you will never lose. Even the best picks lose about 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the time. Accepting your losses should be part of the plan. The goal is not to never lose, just to win more than you lose.

Winning requires that you pick the winner 53{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} or more of the time. That requires you bet only on games that have at least a 53{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} probability of going your way. In the NFL and NBA, known edges can be found in certain point spread situations. In other sports you must be able to identify motivated teams to bet on in advantageous situations.

However you decide to do it, making money betting on sports requires a plan to be successful. You can not do the impossible, so why waste your bankroll trying when all it really takes is smart betting?

Your plan should be to bet only on games where you either have a known edge, or very good reason to believe an edge is there. The best sports pick is nothing more than a guess that has at least a 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} chance of losing. Those guesses are not beyond the average bettor with a plan. …

Small Business Insurance – Who Needs It?

Who Needs Small Business Insurance, Anyway?

You do! Small business insurance is one of the most critical components of planning for your new venture. Whatever your business involves working in a high-risk environment like heavy construction, or a relatively low-risk one such as running an in-house consulting business, you are constantly exposed to the liabilities that can put your business and your future at risk.

Some business owners are required to maintain insurance coverage. Restaurants, hotels, health care facilities … they all have minimal limits that are imposed upon them by their industry, municipal entities, or their landlords. But what about your small business? You may be retired or just starting out, maybe you're considering using your knowledge of antiques or your talent as an artist to start your own shop or gallery. How risky can that possibly be?

Assess the Risks

In today's world, risk management is no longer the exclusive domain of large corporations. Every small business is different, with a unique set of risks. An experienced small business insurance agency can advise you on what your present and future needs may be, and keep you up to date on any Federal, State, or Local regulatory requirements you may be subject to.

A good insurance agent will review your company needs; an excellent one will take the time to visit your company and discuss your requirements with you directly.

Be Prepared!

As your business grows, your small business insurance coverage should grow with you. It's easy to get cooked up in the excitement and activity as success begins to take root, and insurance is the LAST thing on your mind … until you need it. Make sure when you choose an agent, you are getting someone with your best interest in mind, who will continuously monitor where you are and make suggestions when necessary.

Are you taking on employees? Opening another shop or office? Considering additional human resource programs? Taking on additional risk? You may need to look at several types of coverage:

  • Workers' Compensation
  • Contractor's Liability
  • License Bonds, Court Bonds, Performance or Fidelity Bonds
  • Employee Benefit Administration

The Benefits – Because Things happen

The benefit of having good small business insurance is most obvious when the unexpected happens.

Do not be cut off guard … without proper coverage your business liability can extend to your personal life as well. Knowing you have the right coverage up front offers you both peace of mind and security. When and if you have a loss or a setback, you will be able to continue moving forward with confidence, and the tools you need to stay in business!

There is no doubt about it – Insurance can be complicated. There is so much to understand and so many details that it can quickly become overwhelming! The very best option? Find a qualified small business insurance agency you trust – one that is familiar with you, your local community and is responsive within the insurance industry as well. …

Protecting Man's Best Friend With a Good Dog Insurance Policy

Anyone that is a dog owner knows just how important that pet is to the family. This is why it is a good idea to look into dog insurance. What this does is actually ensures that there will not be an issue with high costs of medical procedures that your dog may require. The simple fact is vets can be very expensive. While we all know how costly medical treatment can be for humans, people often become shocked when they see a vet bill.

If you love your pet and wish to enjoy them for as long as their natural life will permit, then you should do both of you a favor and look into this type of policy. Your dog will thank you, and you will have the peace of mind in knowing that you are there for them.

Costly Surgery

Usually one of the most expensive situations that a dog owner could face is that the dog may require surgery. If this is the case you can expect that it is going to be a cost bill to protect the dog in your life. If you have a good dog insurance policy, you can sleep easy knowing that your best friend is safe and well taken care of. The policy of this type usually will also cover boarding of the dog and any medicines or prescriptions that the dog may need to heal. This will keep the cost down and you will not have to fret wondering if you were doing all that you can to help them.

Even a small procedure on a dog can become a very large vet bill. How do you say that you would not pay a bill like this with a clear conscience? Take some time to look into dog insurance and make sure that you are never left with a tough decision.

Boarding

Boarding of a dog when you need to leave town can become a nightmare at times. The cost of having your dog in a Shelter while you are on a trip can become very high. With dog insurance, you can get the care and shelter you want for your dog while you are away. This coverage is excellent for someone that simply can not come up with the money within short notice to board their dog. The insurance company will help get this all sorted out, so you have one less stress to deal with before you leave.

If you can prove to the insurance company that the trip is an emergency based trip, you will more than likely not be required to pay the deductible for the cost of the shelter. This is where the dog insurance is going to be helpful. They will cover the costs and you will not be paying out of pocket for the care of your animal. This alone is an excellent reason for you to look into this type of insurance policy for your dog. …

New York Personal Injury & No-Fault FAQ

Every personal injury claim is different and there are no guarantees. Below are rough answers to some questions we hear frequently about personal injury. Further below is a specific FAQ on No-Fault in New York.

Personal Injury FAQ

Q: How much do lawyers charge?

A: For most personal injury claims, there is no fee unless you collect. Most lawyers in New York charge a one-third contingency fee. When the claim is resolved, the lawyer gets reimbursed for expenses out of the award. Next the lawyer takes the one-third fee. For example, if a claim settles for $35,000, and the lawyer has $2000 in expenses, the fee is $11,000 (1/3 of $33,000). The client would get $22,000.

Q: Does the lawyer always pay the expenses up front?

A: Usually, but not always. There are two major situations where we don’t. First, some personal injury claims are not very strong, but we might still be willing to work on a contingency fee basis. In such claims, we will tell the client that they will have to pay the expenses. The other situation is when there is a good offer and the client refuses to accept it against our advice. In these lawsuits we require the client to cover all future expenses.

Q: What are typical expenses in a personal injury lawsuit?

A: In New York personal injury lawsuits, filing fees usually total less than $500. Deposition transcripts also usually total less than $500. The biggest expense is when a lawsuit goes to trial and we have to pay doctors and other experts to testify. We have paid anywhere from $300 to $7500 for a doctor’s testimony, and some doctors charge as much as $5000. Other expenses include process servers, investigations, medical records, and meals. In some cases you may need other experts. In one big case we spent about $10K on an accident reconstructionist. The other side spent about $40K on theirs.

Q: What is the process?

A: First most lawyers negotiate with the insurance company. If negotiations are unproductive, the lawyer files a lawsuit. For a few months the lawyers exchange paperwork with the insurance company attorneys. Next come depositions, where they question the plaintiff client and the plaintiff lawyer questions theirs. Then the insurance company might have the plaintiff examined by their doctor in what’s known as an IME – Independent Medical Examination. Plaintiff lawyers prefer to call this a Defense Medical Examination. Last is trial. A lawsuit might settle at any point along the way, even while the jury is deliberating.

After a trial the losing side can appeal. Sometimes even the winner can appeal. Cases sometimes settle during the appeal process.

No-Fault FAQ

When you are hurt in an automobile accident in New York State, No-Fault insurance can help with many of your costs. The following frequently asked questions (FAQ) will help you to understand when and how No-Fault pays, what it pays for, and what you have to do.

Q: Am I eligible for No-Fault benefits?

A: …

Building On A Difficult Terrain

Adjusting the house to the landscape is the first task to be solved when building on difficult terrain. If your block of land has slopes up to 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} – it's rather regular terrain. The difficulties start to appear on slopes that are steeper than that.

Main problems can be divided into 3 categories:

1) Some additional research to determine the danger of dirt slipping down should be done

2) The foundations and plumbing will require some additional work

3) Some additional work to level the soil might be necessary

And of course any of above translates into additional expenses.

If the allotment is in a real danger of soil slip, for example the soil has a steep rocky slope underneath and gets lots of rainfall or has ground water – it makes no sense to build on it.

However, if that's not the case, then building on steep slope might produce very interesting output. History has many examples of people, who had to deal with difficult conditions, created the most magnificent structures, some of which we can still see in these days. They include the Machu Picchu city in Peru, great castles of Europe, Svan's watchtowers in high mountains of Georgia, and fort Metsada in Israel.

To make the idea of ​​building on difficult terrain a reality, several things need to fall together:

1) The wish to build on this particular block of land and the ability to finance the process

2) A talented architect and engineer who can fit the house into the relief while making it secure, safe and sound

3) Qualified builders who can implement everything according to the plans

So what are the advantages of building on a slope? First, nothing compares to the panoramic view from your terrace. Also, it is possible to create several levels: the garage on the upper level, the bedrooms and living areas below and the back yard and garden on the lowest level. The best thing about this setting is that the road and the driveway – with all the noise and the dust – are left on top, while the house is located below. More of the house is now exposed to the sun light. The garden can have many picturesque features such as little terraces, steps, miniature walls, cozy spots.

The whole presence of the house is improved, as this unique facade is created. The interior of the house benefit from larger windows and various open staircases, they look "weightless" and mix in harmony with the nature.

Another issue to address is the soundness of the house built on a slope. In many ways it depends on the soil underneath the foundations. If the soil is mostly sand or mud, then it makes sense to create terraced foundations, made of concrete bands and retaining walls, anchored in the soil.

If the foundations are to be built on rocks, concrete piles are better. The necessary diameter of a pile for 2 -3 level house is 35 – 40 cm, …

Scam Busting – How to Avoid Scams and Make Money Online

The internet is a world of opportunities but also it is a world of scams. If you are going to be successful online, you'll need to know how to separate money making schemes from pocket emptying scams.

Here are some useful tips:

Use Search Engines

If you come across any program you are interested in, before committing your money to it. Type the website or the name of the program into a search engine [eg Google, Yahoo or MSN Search], you should get results form it if it is a popular program and you will be able to get a general feel of how people perceive the program or site.

One thing I usually do, which helps me get meaningful result is to put scam in front of the program. For example, if I want to verify if a program called "easy money maker" is a scam or not, I'll type "easy money maker scam", I will get a list of results where people are either complaining about the program being scam orraising it for not being a scam. Try it with and without the quotes to get the best results.

Note that this is to give you a general feel of people's perception of the program; some people are just plain lazy and anything requiring a bit of work before results they will quickly label scam.

Use Forums

To determine the authenticity of a program or money making scheme, join good forums where money making skills and programs are discussed. Money making forums, work at home forums etc will give you a good result. Ask around in the forums for anyone who has invested in the program or has second information about it.

Money making opportunities abound online but there are also many scams out there, that was why I started MoneyMakingOnline.org to help people tell the difference and make a wise and informed choice.
Follow the above tips and remember when something looks too good to be true, look hard before you take a leap. …

The Four Money Quadrants: Teaching Kids Good Money Habits They Can Live With

As Teachers, Parents, Grandparents, Godparents, Friends, etc. it is our job to teach children good financial habits as early as possible by demonstrating to them how to properly distribute their money. After all, children are our future. The lesson here is to teach your child not to live their lives from check to check or above their means, but to live in a happy balance. By getting your child into the habit of dividing his money into four specific categories (Spend, Save, Donate and Invest), he will grow up to be more responsible with his finances, so, possibly not adversely affected by any bad economic times.

The trick is getting the percentages right. Some good numbers to shoot for in adulthood is Spend 70{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, Save 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, Give 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and Invest 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. For youngger children the Spend percentage should be much lower whereas the Invest percentage should be much higher – of course it will be different based on the individual!

Spend: Teach your child to spend a percentage of their money. Do not teach your child to be a miser with their money, for this can lead to negative associations with money. Teach him to celebrate his achievements and enjoy the fruits of his labor. Allow your child to spend their money on anything they want with this portion of the money (within reason) can be a great self-confidence booster. As an adult this portion will be used for living expenses including the necessities like paying the mortgage, car payments, insurance premiums and buying food as well as for entertainment needs.

Save: Teach your child to save a percentage of their money for larger ticket items that they can not immediately buy like a digital camera, a laptop or even a car. This can teach the importance of goal setting and the virtues of patience and of delayed gratification. As an adult this portion would be your liquid money that may be called the "Emergency Fund", the "Rainy Day Fund" or even the "Saving up to finish the foundation Fund". It is very important to have that extra savings on the side for any unexpected expenses as well as for any expected future expenses.

Donate: Encourage your child to give a percentage of the earned income to charity. Teach him the joy of giving back and helping others. Also, there is actually scientific proof that giving is good for your health. I do not claim to be a scientist, however, apparently when you give; you get a good feeling, and that is because endorphins are released in your body. This release of endorphins is supposedly to be healthy. Besides the health benefit and the fact that it is the right thing to do, you will be bringing up a compassionate person that will not be "all about me." There is a great quote by Jim Rohn that states, "It's best to start the discipline of generosity when the amounts are small. . "

Invest: Help your child invest a percentage …

How to Start a House Cleaning Business on a Tight Budget

"If you use Emotion and Love to drive your sales and your business, you will create Loyalty Beyond Reason. And I promise you, you will build relationships and enjoy a business that exceeds beyond your wildest expectations"

First of all, before you decide to start your cleaning business, make sure this kind of work is right for you. You will need to be in good physical condition. Cleaning is very hard strenuous work. You will need to have good customer relation skills. You will need to have basic office skills and some accounting skills.

If you are planning on leaving your full time position to start a cleaning business, make sure you have at least six months of savings. Or keep your full time job and start out part time.

Research all the aspects of the cleaning service business. From customer service to advertising, taxes, employees, insurance and bonding, what to charge and how to clean a home professionally. Cleaning your own home and cleaning professionally is totally different. Learning how to clean professionally takes a lot of time. When a client pays for your services they expect to come home and find their home spotless.

Getting those first clients takes time, persistence and patience. You will not get a hundred clients overnight.

Obtaining Those First Clients The hardest part of starting your own cleaning service is obtaining those first clients. Most clients want to know how long you have been in business and want references. The best thing to do is let clients know that, yes, you are new to the business but that you have thoroughly examined all aspects of the cleaning business and assure them that you know what you are doing and that you are quit capable of cleaning them home to their specifications. Be confident. I can not stress this enough. Clients love to see confidence. It relieves their worries and lets them know that their home is in good hands.

References: To get a few good references when starting out, ask some friends or family members if you can clean their home for free or at a discounted rate. The sound of working for free may not be appealing but it will be worth it to get some good testimonials.

When cleaning those first homes, go for quality, not how fast you can clean the home. Cleaning efficiently takes a long time, but you will get to the point where you can do a thorough cleaning in a short time. After cleaning make sure you go back and double check all rooms to make sure you did not miss anything. Impress those first clients and word of mouth will spread soon.

Advertising Your company image is everything. Before you start advertising, decide what image you want to portray on your advertising material. Your image is very important. Be consistent with all your advertising. If you have a logo be sure to use it on all your advertising materials. I think it is best to …

Ways to Work Online at Home

Ireland is one of the few countries that are not yet fully aware of the many income opportunities from the internet. But because the whole world is experiencing recession, even the Irish people need to make money on the side to make ends meet.

One good way to earn extra income to sustain the costs of living is to work online at home in Ireland. This may be a new practice to the Irish, but it is really going to help them make a living. There are different options to choose from. Freelance writing jobs are available; They can range from writing, web-designing, marketing, transcription, and data entry. There are several different virtual companies that focus on operating and renting within the country. Any Irish can take advantage of this opportunity.

Affiliate marketing is another way to work online at home in Ireland. This is a bought-after part-time job because it does not require you to take your full attention to the job. When you become part of affiliate marketing, all you do is advertise a company's products in exchange of commission. You must have a website that can host advertisements and banners of the company you sign affiliation with.

If affiliate marketing is not at all appealing to you, you can always resort to online paid surveys. It does not matter what country you are from, survey websites need and value your points of view. All that you really need to do is answer a survey – give your feedback and honest opinion, and you will be paid for doing so. …