5 Mistakes To Avoid When Growing Marijuana

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The legal cannabis market of North America was valued at $6.7 billion in January 2017.

Its an appealing idea to invest in that market, but to smokers, it might be more appealing to just grow the plant yourself. But if you get it wrong, youll end up with a disappointing crop.

Here are 5 key mistakes you must avoid when caring for your weed.

Not testing the soil pH

Acid to alkaline scale is measured with a unit called pH. Cannabis plants prefer a very slightly acidic soil, hitting around 5.5 to 6 on the pH scale.

The garden center where you buy the soil should be able to help you pick a suitable degree of acidity.

However, its still a good idea to test your soil to make sure its OK. Otherwise, your weed might not thrive as much as youd hoped.

Not testing the water pH

Just like with soil, cannabis is very sensitive to the pH of the water you use. For the best results, you want to be using water thats between 6 and 7 pH.

This helps the plants absorb nutrients effectively, which in turn helps them grow.

If the water from your taps is too alkaline, you can add other substances or buy filters to lower the pH but dont overdo it and push it too far the other way.

Overwatering your weed

If you werent a keen gardener before, dont fall for the common mistake of watering your plants too often.

They dont need to be topped up every few hours. If the topsoil feels dry to the touch, feel free to give them a splash but if its still moist then dont add any more water.

Make sure that theres adequate and unblocked drainage underneath the plants too, so that excess water can run out once the soil is soaked. Otherwise, itll pool at the bottom of your pots, which can cause problems.

Not keeping the plants warm

Cannabis does best in a warm climate. If you dont live in one, dont expect your plants to do very well outdoors.

How to grow weed if youre in a cold country? Bring your plants into a greenhouse or other covered area, and kit it out with heat lamps. A target temperature of around 75F is just about right.

Make sure theres decent ventilation, but not so much that your plants are getting cold from drafts. And if the plants are inside, remember to make sure theres also plenty of light.

Not thinking about the strains

There are hundreds of cannabis strains. You need to know what youre growing for two very important reasons.

Firstly, if youre going to sell this, you need to know exactly what youre selling.

Secondly, if youre growing multiple strains you need to make a clear schedule detailing which strain is growing where, and research the different needs of each.

Cannabis strains can have very different requirements for healthy growth. So you need to be on top of whats what, and make sure their needs are being met.

They plants may also mature at different times, and you need to make sure harvests are timely and efficient.

Good luck!

Growing cannabis is not as easy a task as it first may seem. But it can be hugely rewarding.

You never know what the quality of the pot is like at your local dispensary. But you can ensure the sure of the quality of your own crop if you keep it healthy.

Good luck with your growing!

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5 Marketing Secrets Used by the Top Health Blogs

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Building one of the top health blogs on the web requires a soundproof brand strategy. Digital marketing is different from traditional marketing in a number of ways, and health companies need to understand how to advertise online to their target demographic.

We want to help by providing some of the secrets to successfully marketing a health blog. Read our definitive list to learn how you can optimize your companys web presence.

Inbound Marketing

Inbound marketing is almost like an umbrella term for content marketing strategies. Inbound marketing attracts readers to your site and converts them into customers. Now the process seems simple, but it involves several key steps to make it work.

The first is developing a content strategy. People search online for lots of things, but as a potential top health blog, you must position your brand as the ultimate authority on health-related issues.

The internet has many tools to help you identify your target demographic, research metrics, and find analytic data. These tools are very useful on your journey to an authority site. They will help you determine which strategies are working and which ones arent.

Blogging

Blogging is one of the most popular forms of inbound marketing. Bloggers create content in textual or visual format to share information with readers. Most online blogs are SEO-optimized with keywords and phrases that customers input when searching for health information.

The top health blogs update their site frequently with new, engaging content for readers. They add pictures and videos to visually stimulate customers. The blogs are also well-researched to provide factually correct information.

Blogging is a low-cost tactic to gain organic traffic to your site.

Social Media

Decades ago, social media wasnt a real medium, so there were no marketing techniques to attract customers to social sites. Within the last millennium, things have changed drastically. So much so that companies are hiring entire teams just to manage their social media accounts.

Your business needs a social media presence, and there are a lot of sites to choose from. Practices like Robinson Cosmetic Surgery cater to a specific demographic that consumes a lot of social media.

The top health blogs use Facebook, Instagram, and Twitter to share content and attract readers. These sites allow users to purchase ads to promote their products/services. StumbleUpon is a lesser known site, but it helps users find websites and blogs catered to their interests.

Interact With Your Readers

Social media is great because it allows users to communicate with each other in real time. The interactive nature of these apps largely contributes to their popularity. You need to make your health blog interactive.

Engage users by posting downloadable content such as whitepapers and infographics. Trust me; people will download them if the information is useful and the formatting is aesthetically pleasing.

Build a comment section for your blog and respond to a couple of reader questions. Comment sections help you gauge your audience by seeing what they respond to.

Email Marketing and Lead Nurturing for Top Health Blogs

Capturing leads, i.e. customers, is as simple as asking them for their email address. Top health blogs post a call to action (CTA) at the end of every post to engage their readers. The CTA might be leaving their email address on the subscriber page.

Once the email is captured, owners build a subscriber list filled with clients interested in their products/services. They create email marketing campaigns using newsletters, giveaways, etc. to draw readers back to their site.

If youve found these tips helpful, we can assist you with all of your inbound marketing needs. Contact us today to get started.

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5 Key Tips for Starting a Travel Blog

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According to a 2016 study, 88 percent of Millennials travel overseas one to three times per year. Eighty-six percent of them said their top goal is immersion in a new culture.

That means there is an eager market out there for insider travel tips and well-kept secrets that will take their trip to the next level.

If youve been considering whether to try your hand at travel blogging, theres never been a better time to turn your passion into a lucrative career. Keep reading for our top 5 tips for starting a travel blog. 

Top 5 Tips for Starting a Travel Blog

1. Know Your Niche

Travel blogging has become a somewhat saturated market in the past few years. After all, getting paid to write about exotic locales is a dream come true for many jet-setters.  

Thats why its essential to know your niche before starting a travel blog. Its not enough to simply write about your trips. You have to bring a fresh spin or new angle to the table to give your readers a reason to keep coming back to your blogand not one of the thousands of others out there.  

Maybe you can turn your latest trek through South America into a series of reviews about the best Inca trail tours available. Perhaps you can turn your love of vegan cuisine into an international foodie blog for travelers with special diets. 

Determine your passion first, then stick to it in every blog post. 

2. Set up Your Site

Dont skim over the details when it comes to your site set up. Youll need to plan for the travel blogging career you want and make sure your site has the functionality to match your goals. 

Choose a hosting platform thats easy to use and update. If you plan on selling products, make sure you can accept online payments. 

When you setup your domain name, take a moment to make sure its a good fit for your blog. It should be simple, descriptive, and easy to remember.  

3. Monetize

The next step is deciding how you want your blog to make you money. You may want to try out several different monetization options until you find what works for you. 

Affiliate Marketing

If you plan on promoting specific travel gear or other products, sign up for an affiliate marketing program. Every time one of your readers clicks your affiliate links and buys your featured products, you get paid. 

Sell Ad Space

Try reaching out to related travel brands to sell ad space on your blog. Youll need a pretty large readership to entice some of the bigger names, so dont be afraid to start small.

Create an eBook

Consider writing an eBook or creating another digital download you can sell on your blog. If you go this route, just be sure you can accept secure payments on your site. 

4. Treat Your Blog Like Your Boss

It helps to think of your blog as your job. Pick a specific time every day to designate as your time to work and stick to your routine. 

If you know youll need visuals to go along with your posts, remember to snap some pictures throughout your adventures. Jot down notes so you dont forget business names and locations when it comes times to write. Plan extra excursions that will fit in with your themes and draw in new readers. 

5. Promote Your Work

Singing your own praises can feel a little strange to new travel bloggers, but its an essential part of the business. Afterall, if no one knows about your blog, its not going to make you any money. 

That means telling everyone you know about your blog. Cross-post everything on social media and tell people about it in person. Consider creating a digital marketing strategy and watch your readership really grow. 

ArticleCity can help you market your travel blog. We can create a strategy to grow your readership and earn you the results you need to keep traveling. Sign-up for a free account today to get started.  

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5 Key Elements to Successful Multi Level Marketing with the Trump Network

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The Trump Network is a new multi level marketing opportunity being launched by Donald Trump. The exciting part about this opportunity is two fold. First, Donald Trump is in a pre-launch phase which makes this one of more financially rewards times to join. Second, the Trump Network has the already existing brand name recognition of Donald Trump.

If you have never joined a multi level marketing (MLN) campaign before there are key indicators that determine if the venture will be a success. For those that have been a part of other MLM opportunities I encourage you to read on to see if the Trump Network fits what you are looking for.

The first key element is branding. If you have ever been a part of a MLM you would have experienced how difficult they can be when the products or company are brand new to everyone. It isn't that the company or products don't work; it is just the newness that makes it hard to join.

The second key element is the compensation plan. I believe they make the diagrams and instructions for compensation so difficult so people can't completely understand how to make money. The Trump Network has developed an easy to follow and one of the most lucrative comp plans in the industry today.

The third item is people need to experience what they are buying. Have you ever seen products that you have to trust are working inside your body? One of the key marketing products is the Silhouette Solution which is a cutting edge weight loss program that utilizes small meals to increase metabolism and lose real weight. Tangible results are the easiest types of products to market.

The fourth item the marketing strategy. Most MLM programs you are on your own to develop your marketing strategy. What the winning opportunities present is proven strategies by real network marketing experts. Knowing what it really takes to be successful is the difference between achieving real financial freedom.

The fifth item is teamwork. People who do everything by themselves never reach their true potential. By working as a team with successful business owners and marketers you can share ideas and proven methods for greater and faster income.

The Trump Network has the ability to generate large sums of extra income as it holds all key elements. The goal is for you to take the energy to make a difference in your financial situation and start earning extra income by joining.

5 Facts About Ivanka Trump and Jared Kushner

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With news breaking almost every hour, it can be a little difficult to keep up with current events. The recent political climate is a bit jarring, to say the least, and its important to know the major players.

You may have heard a lot about Ivanka Trump and Jared Kushner. For as much as weve heard about the husband and wife duo in the past year or so, theres little public info about them.

In fact, it wasnt until earlier this week that the public even heard Jared Kushner speak.

Here are some quick facts about Ivanka Trump and Jared Kushner that you should know about.

1. Kushners Controversy

Youre likely familiar with the dozens of ongoing investigations. Even Jared Kushner himself is currently under investigation.

At the core of these investigations is one central issue: Russia.

Allegations suggest that several cabinet members including Kushner had contact with Russian figures.

Evidence seems to be piling up that Kushner reportedly asked for a backdoor communication with Russia.

There are also investigations into Kushners financial dealings with Russia.

2. Their Friends Set Them Up

Believe it or not, it was Donald Trump who indirectly introduced the couple.

At an early age, Kushner took on his familys business after his fathers indictment. He began working with real estate moguls in New York, including the current POTUS.

It was soon after that their friends got an idea. The couple was set up under the guise of a business deal, but friends knew theyd hit it off romantically.

3. They Were Both Heavily Involved in the 2016 Campaign Season

Both Ivanka Trump and Jared Kushner were consistently present during Trumps campaign.

Ivanka, in fact, would often take part in interviews and public events to speak on her fathers behalf. Her role was largely that of a spokesperson or surrogate.

Kushner, on the other hand, worked behind the scenes, even writing an op-ed defending his father in law. Its reported that Trump would often come to Kushner for advice, to the point that he may have helped pick Pence as VP.

4. Both Ivanka Trump and Jared Kushner are Current Cabinet Members

The work didnt stop on the campaign trail, however. After the election, the couple packed their belongings and headed to Washington.

Ivanka currently serves as an assistant to her father and many of her tasks still involve public-facing meetings.

Most recently, Ivanka met with Germanys Prime Minister, Angela Merkel. The two discussed the significance of womens contributions to science.

Kushner is a senior advisor and continues to assist President Trump on a day-to-day basis. He has clearances to attend daily meetings, and often informs the presidents choices.

5. They Have 3 Children Together

No matter what your political beliefs are, its clear that Ivanka and Jared are clearly in love.

The couple has 3 young children together:

5-year-old Arabella, 3-year-old Joseph, and a newborn, Theodore.

Theyve also expressed interest in expanding their family in the future.

With developments occurring at a rapid-fire pace, its important to stay up to date. Be sure to keep checking back with our blog for all of the latest info.

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5 Effective Ways To To Make Extra Cash With Income Opportunities

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Being in business or being employed doesnt necessarily mean that the income you are generating is enough to sustain your wants and needs. This is exactly the reason why a lot of people are always on the look-out for better income opportunities that will enable them to experience financial freedom. But while this may sound like a simple task, the truth is making extra cash can be quite difficult because your time is restricted and likewise, you also have limited resources that can aid you in this endeavor. However, there are simply ways that will enable you to make some extra cash without that much of a difficultly. All you need to do is be persistent and hard-working to make this endeavor successful. Here are some of the ways for you to generate extra money:

1. Become an agent - being an agent enables you to join a new company while being flexible in your time and resources. For example, you can be an insurance agent and you really do not need to go to the insurance office everyday, you will simply offer the product where you are and derive commissions from this endeavor.

2. Join an affiliate marketing company - this endeavor enables you to earn passive income that can give you some extra cash in the long run because for every sale you do, you earn a commission. But the nice feature about affiliate marketing is that it also enables you to recruit other people and earn commissions from their sales as well.

3. Establish a home business online - being online means that you can be quite flexible in your time because you only need to check up on your site only once in a while. However, this work at home convenience is also dependent on the kind of online business you run because there are some businesses that require your computer to be online 24 hours a day.

4. Make a blog - a blog is somehow related to making a website but the nice thing about blogs is that you can establish it for free. You only need to register and write a few articles everyday or every other day for you to generate income for as long as your blog exists. This income comes from advertisers who want to be present on your blog, note though that you first need to register with sites that place advertisements on your blogs.

5. Invest - investments enable you to yield gains from your endeavors. Investing can be quite simple especially if you seek the guidance of a financial expert who can invest your money in investment mediums that have a good performance.

As you can see, there are many ways to you to generate extra money to augment your regular income. The key is to be open to new ideas and become creative.

5 Benefits of Having a Virtual Accounting Department

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Having a virtual accounting department keeps you on track as far as all your business expenses, financial development, and bookkeeping are concerned. Know more.

The recent tax laws make it highly beneficial to avail the services of virtual assistants for accounting services. If you are a savvy business owner, you would incur expenditures only after knowing the benefits that they will provide to your company. If youve been planning to have a virtual accounting department, here are 5 key benefits that you can enjoy:

1. Saves Overhead Cost

When you hire in-house professionals, you end up spending a lot on additional expenses such salary, payroll taxes, training, and recruitment. Additionally, you also end up paying for office space, software, desks and much more. When there is a full-time virtual accounting team, you can get all these services without any additional expenses.

Hiring an in-house accounting department also means that you require extra office space. On the other hand, a virtual accounting team completes all the work off-site; its all in the cloud.

2. Scalable Solution

When you have a virtual accounting department, you can choose to contract them based on the volume of work you have. If your business grows and the requirement for bookkeeping and accounting increases further, your virtual accounting team will ensure that you keep getting the required services. The services will thus be scalable according to your specific requirements.

3. Efficient Services

When there is a virtual accounting department, you can get accurate financial reporting when you need one. As clients, you can also get financial forecasting that will help you remain proactive for your business growth. The financial controller in your virtual accounting department can always help you analyze your data and make the right choices for your business. It would not be wrong to mention that when you have a virtual accounting team, the data you need is always at your fingertips.

4. Helps to Focus on Business

It is a universally accepted fact that if you are running a business, time is precious. For business owners, it is important to make the most of their available time. By availing the services of a virtual accounting department, you can choose to concentrate on your core business activities and focus on developing and growing your business.

5. Access to Advanced Software

These days, the market is flooded with a variety of software products for your accounting needs. Most businesses find it quite a task to determine which the accurate software for their business is. If you happen to make time to test and evaluate a product, time will still be required for troubleshooting. On the other hand, when you hire a virtual accounting professional, you can keep everything running smoothly without expending your time and money.

Accounting is a critical aspect of the daily operations of your business, but this tedious task can put a huge strain on you and your staff. Hiring a full-time virtual accounting department will help you get all your work done without any effort from your side. Precisely, small and medium-sized businesses can always take advantage of smooth functionality, integrity, timely service and accurate reporting, qualities that are associated with a full-time virtual accounting department.

With help of virtual accounting department, you can find your correct destination for accurate financial reporting. A number of businesses needs excellent financial accountants for running a smooth business with proper ideas. So your virtual accounting outsourcing services team will ensure that you receiving the required services. The services will thus be scalable according to your detailed requirements.

4 Tips for Starting a Bail Bonds Company

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If youd like to start your very own bail bonds company, preparation is key. When you turn on the television during peak viewing times, its difficult not to come across at least one bail bonds commercial from a local agent trying to increase brand awareness. In the bonding industry, youll notice that there are a few major players that spend a ton of advertising and marketing dollars to attract people in a time of need. Here are 4 tips to consider so youre prepared for this challenging industry:

Consider Buying into an Established Company First

It can be very hard to get established. If your brand isnt easily recognized and you dont have connections through the courts and jails, its going to be a challenge to make people call you before theyd call another company doing business in that area for decades. Instead of starting your own company entirely, you might want to consider getting your feet wet by buying into a company thats already done the initial legwork. At the very least, you could contact an experienced company like All Star Bail Bonds for advice.

Make Sure You Choose the Right Opportunity

If you see a family run business thats gone up for sale, youll have to be smart about the transaction youre negotiating. Not all bail companies are successful ones, and if a company is up for sale, that should leave you wondering why? Was the business losing money? Was there a family emergency? Is the business growing or is the book of business on the decline? Are there relationships that have already been built? Will you be introduced to defense attorneys that give referrals? All of this information can help you make the best buying decision.

Start Schmoozing with Law Enforcement

Whether you buy into an established business or you start your own from scratch, youre going to need to schmooze from time to time. Your company will only be as successful as your relationship with the players in the law enforcement system. If you speak with police departments, you can find out who your competition will be and how often offenders are bailed out. The feedback they give you can help you decide on the market you should target.

Set Procedures for People Who Jump Bail

Relationships and advertising are important, but youll go out of business quickly if you dont keep tabs on your clients who have active court cases. Its not out of the norm for people who are facing serious charges to attempt to run from the law. If you dont hire a good fugitive recovery team to locate these bail jumpers, youll be stuck footing the entire bill to the courts. Too many escaped defendants on bail will put you out of business. Set your procedures up early on so you know where defendants are and where to find them.

In most states, youll have to obtain bond agent licensure before you can operate. Since youre starting your own business, youll also need to register your business and partner with a surety bond insurance company. All prospective bail bond company owners need to be prepared for the challenge ahead.

4 Notions You Need to Clear About Energy Efficient Homes

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Considering the fact the cost of electricity has so significantly increased in the last few years, it's every homeowner's priority to ascertain ways to cut down on energy consumption and invariably, costs. Having energy efficient home proves to be the biggest way to achieve that.

Over the years, a lot has changed in terms of lifestyle and living patterns. A few decades back, people didn't really care much energy consumption. Since natural resources were aplenty, energy costs weren't as high as it is now. But these days, conserving natural resources is the need of the hour and that's precisely the reason, more and more homeowners are opting to make their homes as energy efficient as they can.

Clearing the Biggest Notion

Some people have this notion that as soon as they switch to energy efficiency, they will start seeing a return on investments, but this isn't the case. The reality is that such things don't happen overnight; it requires careful planning and a meticulous approach. The biggest mistake people make is having certain notions about energy efficiency which are completely wrong.

Some of the Wrong Notions That People Have Are:-

Heaters and ACs Consume the Highest Amount of Energy

Although this statement would've been true a few decades ago, it isn't relevant now. The reason? Well, technology has advanced a lot in the last few years, and this has resulted in heating and cooling units which are much more energy efficient. So why the high electricity bills then?

Contrary to perception, electronic appliances like television sets, computers and lights are the ones which consume the highest amount of energy because they are used extensively.

The First Step of Energy Efficiency is Solar Panels

Since it's been advertised extensively that solar panels save a lot on electricity bills, many people perceive that it's the only way to do it. This obviously isn't true because although solar panels are great for energy efficiency, it's not for everyone. Considering the fact that initial cost of these panels is quite high, not everyone can afford them.

Some of the More Cost-effective Alternatives Are:-

Installing LED lights which are energy efficient
Using appliances which are energy efficient
Insulating walls, attics and floors
Duct Sealing

Ceiling Fans Should Be Left to Run in Order to Keep the Room Cool

This is a notion that many people have, especially those who don't have air conditioners in their house. Keeping and fan on thinking that the room temperature will go down is entirely far-fetched. What ceiling fans do is circulate the air around the room so that you feel cool. Unlike air conditioners, it doesn't lower the room's temperature. Precisely for this reason, if you keep the fan on, you will only be wasting energy.

So these are some of the false notions that most people have on residents that are energy efficient. If you are thinking of making your house energy efficient, you need to clear these notions. The key here is to invest considerable time in gathering all the information you can find on energy efficiency.

3 Ways To Deal With Financial Management

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Financial Management is that aspect of Finance which teaches you to manage the finances of a firm. Any firm would be down to ruins if it did not have a proper Finance Manager to guide it and control and balance its expenses. Money is one of the major factors without whose constant presence even dreaming for a firms success is useless.

However, learning and understanding Financial Management is equally difficult too. Solely managing the Finances is not Financial Management, meeting the objective of the firms, is. In the process of learning the same, having difficulty in dealing with assignments is more than natural. This is precisely why you should seek Financial Management assignment help online whenever needed.

3 ways to deal with Financial Management

Financial Management is one of the most difficult yet important aspects of running a company. Here are 5 ways to help you deal with it as a subject:

1. Make notes, always.

You must always make sure that you make notes when youre being taught. This is so that you can opt for self help before actually seeking Financial Management homework help online. Notes will make it easier for you to look details up when your homework or assignment is due. Also, your pre exam preparation will be made easy with notes.

2. Focus on homework and assignment

To deal with Financial Management with the efficiency that you actually should, what you need to do is pay proper attention to its homework and assignment. Homework and assignments are assigned so as to develop your analytical and understanding abilities. Financial management if not understood properly can create a faulty future entrepreneur. Finance has is and always will be the most important aspect of any company. The goal should be to meet with all the financial needs and objectives of the company in the most efficient way imaginable.

However, Finance management isn't even half as easy a concept as you think it to be. The homework and assignment pertaining to the same is important but what is even more important is seeking Online Finance Management homework help at the right time from the right people. The online homework helping companies make sure that all your doubts are rendered clarity and that you are made to understand every concept with thorough detailing.

3. Read, read and research

Researching about a chapter or subject or reading about it deepens your understanding of the same. This is because when you know the story behind the chapter or subject, youll surely will to understand it better. This willingness will probe you to work harder. Online homework help companies always see to it that your research work is complete.

Even if you yourself do not do all the research, these companies help you with it and inform you of the same. This is why you must always seek Online Finance Management assignment help. Reading is the key to knowledge. Therefore, read more to understand more and deepen your knowledge about Finance Management.

3 Online Writing Tips for Your Self-Development Course

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Learning at home has come a long way from correspondence courses conducted through the mail. Now students can learn through a mix of video and audio content, with access to personal tutors.

The online education market is expected to reach approximately $325 billion by 2025. Within that, self-development courses help students lose weight, destroy limiting beliefs, or improve their confidence.

Online writing is the key for course creators to reach their audiences and change lives. So how do you create the right content to help people? Read on to find out.

1) Know Your Audience

Knowing who youre going to write for helps you to know what you need to write. How are you going to help your audience?

Spend time in Facebook Groups frequented by your target audience. Make a note of what questions they ask that are related to your course.

Likewise, use websites like Quora to gather a list of questions. What content can you create to answer those questions?

Its a great way to create content that you know your audience needs. Theyre already seeking the answers so you can be the one to provide them.

You can use snippets of these answers in social media posts to lead readers to the full content.

Or consider hot button topics that people always want to read about. How do they link to your content?

2) Plan Your Online Writing Before You Start

Now you know who you need to talk to, you need to know what youre going to say. If youve done plenty of research, then youll have lots of ideas for content.

Dont try and shoehorn all of it into a single blog post or your courses about page. Use your planning phase to break it down into manageable chunks.

Try and keep each piece of content to a single point. What will your reader get out of reading that post?

Planning your writing means you know what that post or piece of content is about. You can order your ideas and logically lead the reader from start to finish.

3) Be Clear and Concise

Theres no point writing War and Peace when your target audience doesnt need that much information. Being concise is a much easier way to be understood.

Online writing needs to be straightforward since few readers will read the entire post. Everyone else will skim the content.

Where possible, avoid using marketing buzzwords. They might be fashionable now but your content dates quickly if you pepper your writing with trendy terms.

Lets look at The Avatar Course compassion project as an example. Their online writing uses short paragraphs and simple sentences to make their point.

Visitors know exactly what to expect from the project.

Be Specific and Honest.

Above all, use your content to demonstrate your expertise and understanding. Youll earn the trust of your readers and theyll be more likely to invest in your self-development course.

Which makes them more likely to invest in themselves.

Getting your online writing right makes all of this development possible. If you want to learn more about marketing online, sign up to get our latest tips for free.

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3 Essential Wealth-Building Concepts They Dont Teach In School

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By the time the average student graduates from high school, he will have invested around 15,000 hours in learning about a wide variety of subjects, which are considered necessary in order to be successful in life.

Many go on to college where theyll spend another 2,000 or so hours studying a specific subject in preparation for a rewarding career.

If we were to stop each graduate as they stepped off the stage and ask them the question, Whats your biggest goal in life? chances are the most popular answer would be, To make a lot of money.

Although this kind of wet-behind-the-ears answer may lack the seasoning of maturity, its hard to overlook the fact that - intentionally or not - schools simply fail to teach financial literacy.

What about the economics classes? Nope, most of what you usually get is just a bunch of academic mumbo-jumbo thats entirely useless to all but a handful of policy makers.

Is it any wonder why the vast majority of us dont understand the basic principles of money and wealth?

Why are so many people are living paycheck to paycheck? Why has consumer debt spiraled out of control? Why arent you happy with your own financial situation?

Well, the answer goes deeper than just an economic downturn or the transition from The Industrial Age to The Information Age.

While many people are currently facing tough financial circumstances, there are also those who have become even wealthier during these uncertain times.

These people arent any smarter than anyone else, but they do understand something that most everyone else doesnt: the difference between earning money and creating wealth.

They understand and use the following three wealth-building concepts that arent taught in school, but should be:

Wealth-Building Concept #1: Leverage

Leverage is being able to do a lot with a little. Within the context of creating wealth, it means leveraging financial resources to get better than average results.

Truly understanding how this concept works is what separates the poor and middle class from the wealthy.

If youre currently trading your time for someone else's dollars at a job, you can only exchange about 14 to 15 hours a day. And since time = life, youre literally selling your life to someone else.

One of the most popular ways to leverage your time is to become a business owner and multiply your efforts and profits by having other people work for you.

The other way to leverage your time is to be an investor or a trader someone who uses money as leverage. Most financial institutions and businesses have been using O.P.M. (other peoples money) for centuries.

Think about it:

Your bank and credit card companies make money with your money
Your insurance company makes money with your money
And your mortgage company makes money with your money

The good news is, you too have the same opportunity to make money just like these guys do when you apply these wealth-building concepts in your own life.

Wealth-Building Concept #2: The Rule of 72

You may already know how The Rule of 72 works, but what Ive found is that most people who have heard of it dont really remember what it says (which means they probably arent applying it), or a larger segment of the population has vaguely heard of it, but they dont have a clue about what it is.

The Rule of 72 is a very key financial concept that says that if you take the number 72 and divide that by the interest youre getting on your investment, the answer to that equation will tell you how long it takes for your money to double.

For example, if your money earns 6% per year in a mutual fund and you have $10,000 in that account, it will take you 12 years to double that money (72 divided by 6% per year = 12 years).

Im sure youd agree, thats a really long time to wait. However, time isnt the only thing you need to contend with because you must also find a way to combat the silent wealth killer of inflation.

According to the Bureau of Labor Statistics, the average annual inflation rate over the past 20 years has been 3.24%. In other words, you need to be earning at least 3.24% per year on your investments just to keep up with inflation.

If youre starting out in your early 20s, then youve got time on your side, and by using the next wealth-building concept Im going to cover, you can still grow a large nest egg even with smaller annual returns.

But as a general rule, long-term investing works best when you either have a lot of money or you have a lot of time. If youre lacking in either one or both of these areas, you need other investment vehicles that are more aggressive to help you accomplish the same end result.

That certainly doesnt mean that you should allocate all or a large portion of your available investment capital into higher-yielding investments, but you do need vehicles that allow you to apply The Rule of 72 aggressively in order to get higher returns.

Wealth-Building Concept #3: The Magic of Compounding

Albert Einstein once said The most powerful force in the universe is compound interest, yet very few people actually understand or completely comprehend what it means.

So here are a couple of scenarios showing how simple vs. compound interest plays out long-term:

Wealth Strategy #1: Your great-grandfather invested $100 in 30-day T-bills (or the equivalent) on December 31, 1925, and always rolled over all proceeds into 30-day T-bills. 78 years later, that $100 would be worth $1700.56 big whoop, right?

Wealth Strategy #2: Your great-grandmother invested $100 in large stocks (the S&P 500 portfolio) on December 31, 1925, and reinvested all dividends in that portfolio. 78 years later that $100 would be worth $199,200.80 BIG difference.

This example illustrates the amazing power of compounding. The safe rate of return in T-Bills pales in comparison to the second example where the profits were compounded over the same amount of years.

All of these financial concepts are vital to your success. Trying to build wealth without them is like driving a car with worn out parts. The car might still run and eventually get you to where you want to go, but it wont be as fast and efficient as it could be.

Wills and Estate planning for Urologists

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Wills and Estate Planning for Urologists
By Kenneth Vercammen, Esq. and Bolanle Mayowa, Esq.

Where theres No Will

If you do not write a Will, the State has already written one for you. Your assets go to whoever a state law says receives the assets, or to the government itself! A Will should be a statement to the things you truly care about: your spouse, your children, your parents, your friends, your Church and charities.

If You Have No Will:

If you leave no Will or your Will is declared invalid because it was improperly prepared or is not admissible to probate:

1. People you dislike or people who dislike and ignore you may get your assets.
2. State law determines who gets assets, not you
3. Additional expenses will be incurred and extra work will be required to qualify an administrator-Surety Bond, additional costs and legal fees
4. You Lose the opportunity to try to reduce NJ Estate Tax, State inheritance taxes and Federal estate taxes
5. A Judge determines who gets custody of children. A greedy brother or crazy mother in law could ask the court for custody.
6. If you have no spouse or close relatives the State may take your property
7. The procedure to distribute assets becomes more complicated
8. It probably will cause fights and lawsuits within your family
9. If no partnership agreement or procedure to transfer patient files your medical practice "good will" could be lost.

When loved ones are grieving and dealing with death, they shouldnt be overwhelmed with Financial concerns.

Think- Who dont you want to receive your assets? Without a Will, they could receive your assets and request custody of children.

Who is not the best choice to raise your children, or safeguard your children's money for college? Do you want children, or grandchildren, to get money when they turn 18? Will they invest money wisely, or go to Seaside and play games? It is important to set forth distribution of a valuable property such as the "good will" of your medical practice, the phone number of a business and medical equipment you own.

A Will must not only be prepared within the legal requirements of the New Jersey Statutes but should also be prepared so it leaves no questions regarding your intentions.

WHY PERIODIC REVIEW IS ESSENTIAL

Even if you have an existing Will, there are many events that occur which may necessitate changes in your Will. Some of these are:

* Marriage, death, birth, divorce or separation affecting either you or anyone named in your Will

* Significant changes in the value of your total assets or in any particular assets which you own

* A change in your domicile

* Death or incapacity of a beneficiary, or death, incapacity or change in residence of a named executor, trustee or guardian of infants, or of one of the witnesses to the execution of the Will

* Annual changes in tax law

* Changes in who you like

MAY I CHANGE MY CURRENT WILL?

Yes. A Will may be modified, added to, or entirely changed at any time before your death provided you are mentally and physically competent and desire to change your Will. You should consider revising your Will whenever there are changes in the size of your estate. For example, when your children are young, you may think it best to have a trust for them so they do not come into absolute ownership of property until they are mature. Beware, if you draw lines through items, erase or write over, or add notations to the original Will, it can be destroyed as a legal document. Either a new Will should be legally prepared or a codicil signed to legally change portions of the Will.

A portion of your Will and Estate Planning can be deducted on your income tax return when it deals with tax planning. Thus, part of the fee is tax deductible for income tax purposes.

THE FOLLOWING IS A SAMPLE OF A VARIETY OF CLAUSES AND ITEMS WHICH KENNETH VERCAMMENS LAW OFFICE OFTEN INCLUDES IN A WILL

1ST: DEBTS AND TAXES
2ND: SPECIFIC BEQUESTS
3RD: DISPOSITION TO SPOUSE
4TH: DISPOSITION OF REMAINDER OF ESTATE
5TH: CREATION OF TRUSTS FOR SPOUSE
6TH: CREATION OF TRUST FOR CHILDREN
7TH: OTHER BENEFICIARIES UNDER 21
8TH: EXECUTORS
9TH: TRUSTEES
10TH: GUARDIANS
11TH: SURETY OR BOND
12TH: POWERS
13TH: AFTERBORN CHILDREN
14TH: PRINCIPAL AND INCOME
15TH: NO ASSIGNMENT OF BEQUESTS
16TH: GENDER
17TH: CONSTRUCTION OF WILL
18TH: NO CONTEST CLAUSE

Under the law in New Jersey, if a person dies without a Will and without children, their spouse will inherit all assets, even if they are separated from the spouse. In addition, if you have children from a previous marriage, but no Will, your separated spouse will get half your estate. In planning, make sure your assets go to your loved ones or favorite charity. Therefore, you may wish to do the following:

1) Have an Elder Law attorney prepare a Will to distribute your assets to the people you care the most about. Also set forth provisions regarding receiving
the assets of your medical practice. If you already have a Will, prepare a new Will and have the old Will revoked. ( Your estate planning attorney will explain this to you.)
2) Prepare a Power of Attorney to select someone to handle your finances if you become disabled. Have your old power of attorney revoked.
3) Prepare a Living Will prepared
4) Change your beneficiary on assets you may own, such as stocks, bank accounts, IRA, and other financial assets. Change your beneficiary under your own life insurance, whether whole life insurance or term insurance.
5) Contact your employer's human resources and change the beneficiary on life insurance, pension, stock options or other employee benefits. Note that your spouse must sign a written waiver permitting you to change beneficiaries.
6) Keep your personal papers at a location where family can find them.
7) Have your attorney prepare a prenuptial agreement if you decide to get married.
8) Make sure the trustee for any funds designated for your children is the "right" trustee.
9) In New Jersey, if you are married and living with your spouse, under certain instances the surviving spouse has a right to "elect against the Will" The disinherited spouse may like to elect against the Will and try to obtain one third of the estate. Your attorney can explain how you can protect yourself and your children.
10) If you have minor children, nominate someone under a Will to serve as guardian to the children. Although the surviving parent obviously has first right of custody of children, they may not even want custody.

SAVE MONEY- Have your attorney prepare a self- proving Will with a No bond clause

Your estate will be subject to probate whether or not you have a Will and in most cases, a Will reduces the cost by eliminating the requirements of a bond. With a well-drawn Will, you may also reduce death taxes and other expenses. Dont pinch pennies now to the detriment of your beneficiaries

The proper preparation of a Will should involve a careful analysis of the your assets, family and desires. Estate Planning is the process of examining what will happen to your property when you die and arranging for its distribution in such a manner as will accomplish your objectives.
The cost of a Will depends on the size and the complexity of the estate and the plans of the person who makes the Will.

Be sure your Will takes into account the 2009 Federal Tax changes and all New Jersey Inheritance Tax changes. Also, ascertain if your Will is "self-proving", which would dispense with having to find the Wills witnesses after death.

Everyone who has any assets or minor children should have a Will. You do not have to be wealthy, married, or near death to do some serious thinking about your Will.

ADMINISTRATION OF AN ESTATE

If you are named the executor or executrix, you must visit the County Surrogate to probate the Will. You will need the following items:
1. The Death Certificate
2. The Original Will
3. Names and Addresses of decedent's, next of kin and will beneficiaries
4. Minimum of $110.00 for Surrogate fees

A state inheritance tax return must be filed and the tax paid on the transfer of real or personal property within eight months after death.

CONCLUSION

Planning can only be done if someone is competent and/or alive. Make sure your assets can be passed directly to your loved ones.

KENNETH VERCAMMEN & ASSOCIATES, PC
ATTORNEY AT LAW
2053 Woodbridge Ave.
Edison, NJ 08817
(Phone) 732-572-0500
(Fax) 732-572-0030
website: www.njlaws.com

3 Basic Steps To Manage Accounting For Private Doctors & Medical Practices

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Accounting is the recording of financial transactions plus storing, sorting, retrieving, summarizing, and presenting the information in various reports and analyses. Accounting is also a profession consisting of individuals having the formal education to carry out these tasks.

Calculate your expenses;

Know what is an expense in your industry; this can include;
Rent
Clinic Equipment
Operating cots
Travel expenses

By setting up your business expenses accordingly and not interfering them with your personal expenses, you will be able to keep your overall tax amount considerably lower.

Tax law says that an expense is allowable for tax if it is incurred 'wholly and exclusively for the purposes of the trade'. If an expense is incurred for more than one purpose, i.e. business as well as personal use, a deduction for any identifiable proportion of the expense which is incurred 'wholly and exclusively for the purposes of the trade' is allowable. We have set out some of the types of expenditure that may be allowable. It should not be seen as an exhaustive list. What is allowable depends on the facts in each case.

Organize an adequate Payroll system:

When managing your own clinic, it is important to understand the legal requirements of employee taxation. You must register every employee to PAYE through HMRC to collect Income Tax and National Insurance from employment if your employees are paid 113 or more a week. It is also essential to keep payroll records of these employees.

Small businesses, including payroll for GP surgeries that do not have an internal facility, will require to set up a system in order to pay workers, keep things organised and running smoothly. Larger companies may prefer to outsource the complete payroll service rather than employ specialist staff.

Setting Up Your Business:

When first setting up your company, it is important to have an understanding of the different structures this may include as this in the future and throughout your career is going to affect your tax. Here are 3 most popular business structures in the UK:

Private Limited Company (Ltd) -
This is the most popular to the limited liability, potential tax advantages
Liability of the shareholders is limited to their investment. The personal assets of a shareholder are not affected if the company is dissolved.

Public Limited Company (PLC)
Legal entities in their own right. Opposite from a private limited company, the shares of a PLC can be traded in the public market and this is often used to raise finance.

Limited Liability Partnership (LLP)
Similar to a traditional partnership and also has limited liability. This structure is profit driven and is generally the most popular choice of law and accountancy firms.

We specialise in Accounting for dental practices, doctors, and other private clinics. For any more information or advice to help your business or career visit our site at https://www.medicaccountants.co.uk

Why Your Heating Business Should Hire a Digital Marketing Expert

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If youre the owner of a heating business, you likely have a DIY attitude about every aspect of your business.

And while you may think a Facebook page will suffice as digital marketing, its okay to admit that youre not a digital marketing expert.

Even if youre hesitant, hiring an expert can be extremely beneficial to your business. Those who use outside marketing sources have reported massive success.

Think your heating business doesnt need a digital marketing expert? Think again. Here are some of the biggest reasons you need a marketing expert.

A Digital Marketing Expert Can Help You Build a Better Website

Every business could benefit from a better, stronger-looking website. Yes, its not enough to just have a website. Your site needs to check all of the following boxes:

User-friendly
Great menu system
Fast
Great images
SEO content
A sitemap
Photos
Expertly-crafted copy

Thats a lot for one person to handle especially if youre taking it on while running a heating business. Your marketing team will help you look at your website and determine what to keep and what to change.

Take a moment to look at the Diamond Gas & Heating Ltd. site. There should be a few key takeaways.

First, notice how quickly the site loaded. It took a matter of seconds to find the server and retrieve the site.

Next, look at the home pages content. The top right corner of the page features a fantastic CTA (call-to-action) with contact info and a huge book an appointment button. This type of inclusion is pertinent to getting your audience to take action.

Finally, look at how spread out the site is. Theres plenty of room for the text to breathe, so its all easy to read.

Digital Marketing Experts are Storytellers

Every heating business has a fantastic story to tell. And the more people that get to hear your story, the likelier theyll be to do business with you.

Its important to not view digital marketing as just copy or something to get more business. Of course, there are aspects of both of those present.

But at its core, the best digital marketing is all about the story of the brand. Hiring an expert doesnt just get you great business savvy youre hiring storytellers, too.

Theyre Familiar with SEO

The entirety of digital marketing revolves around 3 simple letters: SEO.

Short for Search Engine Optimization, SEO is all about how and where your website ranks on Google. And its a complicated beast.

With dozens of changes and just as many possible penalties, its important to get your SEO right. Better SEO will bring you better traffic. You cant afford to ignore your SEO strategy.

Conclusion

By combining the strength of a great site, engaging branding, and an SEO strategy, your heating business will be hotter than ever.

Its time to get on Google and seek out your local marketing experts. It may just save your business.

For more great SEO and digital marketing content, be sure to check out the Article City blog.

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'#''^

It is the ideal way to have your money traded for maximum safety and control.

Any notice or other communication provided for in This Contract shall be sent only through electronic mail.
What we have unearthed is that there are an extra 9 to-9,000 merchants that are out there on the web accepting cards and processing data exploiting one or more of the financial institutions accounts. The financial institution is processing 2 K more dealers and they dont know who they are. They might be anyone. The acquirer is utterly unaware of the real nature of these transactions. It is without doubt aforeboding bottom line.

The pattern is not difficult . Instead of placing up bricks and mortar front businesses to launder money generated by from improper actions, those who deal with unlawful services " from drugs to weapons and gambling services " set up phony virtual shops that appear to sell reputable services ratherly. As 9469924005 more virtual those fake services are, the more preferred and simple it is for this porpuose
These affected online commerce site are then dispatch with the product owner processor accunt and used as covers to execute en masse out of line transactions through.

I believe the reason Bitcoin has not been clearly defined and more specific legislation has not been passed is because the courts and legislative branch are still familiarizing themselves with the technology and trying to figure out exactly what it is.What examiners have ascertained is that there are an extra 9 to-9000 merchants that are out there online accepting cards and processing data exploiting a single or more of the clearing houses portfolios. The merchant bank is processing 10,500 additional retailers and they dont know who they are. They can be anyone. The merchant bank is completely blind of the implication of such transactions. It is 9469924005 certainly adisagreeable matter.
and United StatesWhat accountants have learned is that there are an additional 9 to-10,000 vendors that are out there online accepting cards and sending transaction data exploiting a single or more of the merchant banks portfolios. The acquirer is processing 9500 other vendors and they dont guess who they are. They could be anyone. The financial institution is completely unaware of the real nature of such transactions. It is unquestionably adiscouraging reality.

Then click the big power button to whitelist the current web site, and its state will be remembered next time you visit the web site.What we have recognized is that there are an additional 6 9469924005 to-9000 traders that are out there on the web accepting cards and sending transaction data via a single or more of the financial institutions portfolios. The acquirer is processing 6,000 more merchants and they dont know their real identity. They can be anyone. The acquirer is utterly ignorant of the connotation of those transactions. It is without doubt awearisome issue.

The Kremlin has long been wary of cryptocurrencies, which are technically illegal in Russia"yet the government recently signaled it's changing its stance.
Physical delivery of commodity is generally not made.

Investors looking to make some money can put their cash into bitcoin and hopefully take it out, when its value increases.
.

By fall, the number of bitcoin payments on Bidorbuy increased by threefold," and the value of goods purchased with bitcoin increased almost 6.

It has also been suggested that false buying signals had been sent by large Bitcoin exchanges.

2%.

There, people can buy bitcoins for euros, and vice versa, from a dedicated bitcoin ATM.

Since it is a digital currency, many of the first things available for Bitcoin purchasing are IT related products.

Why You Should Hire a Digital Marketing Expert for Your Roofing Business

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Did you know 70% of small businesses plan to invest more in digital marketing this year?

To run a successful roofing business, you need an effective marketing campaign. This involves developing strategies for social media, blog content, email marketing, and SEO.

However, nearly 50% of small business owners are unsure how to determine if their marketing campaigns work. Many use poor marketing techniques and vanity metrics to gauge their success. Without a sense of direction, all the time and money they spend on internet marketing goes to waste.

Read on to find out how a roofer can benefit from the help of a digital marketing expert!

Improve Your Local SEO

Nowadays, over 80% of customers read online reviews before buying a product or service.

Someone searching for a roofing company may check everything from Yelp to Trust Dale roofer reviews. But if you type roofers into Google, youll see a list of the top 3-4 local roofing businesses below the paid ads. These spots are critical because many users dont even bother looking past them.

A digital marketing expert can help you set up your Google My Business listing. By doing so, you increase your chances of sneaking into the top 3-4 spots on Google Maps.

Boost Your Content Marketing Strategy

When people have questions related to roofs, they consult search engines. This usually leads them to blog posts that outline solutions.

A digital marketing specialist has a firm grasp on what consumers in your niche are looking for. They can help you craft useful content that reaches your target audience. As a result, you build authority and attract more web traffic.

However, you also need to make sure people can find your blog content. Thankfully, professional marketers know how to conduct keyword research, too.

Increase Your Email Conversion Rate

Over 9 out of 10 consumers check their email on their smartphone at least once per day.

While email marketing is effective, its easy to lose subscribers. However, online marketing specialists help you design and write better emails. You can learn how to run A/B tests to determine which subject lines or call-to-action buttons get more clicks.

An expert can also help you optimize your email marketing campaigns for mobile. For example, they may increase the visibility of your links or show you how to make your emails easier to skim.

Get the Most Out of Social Media

Building a strong social media presence is challenging in any industry. A digital marketing expert can help you develop a social media strategy from the ground up.

For starters, professional marketers know which social media platforms offer the highest ROI. This can prevent you from investing time in the wrong platforms.

Marketing specialists also know the best time to post on each platform. For example, 1 PM-3 PM on Thursdays and Fridays offers the widest reach on Facebook.

Finding the Right Digital Marketing Expert

Before hiring a digital marketing expert, consider what aspects of your marketing strategy need the most work. When narrowing down a shortlist, prioritize experts who specialize in those areas.

Start by looking at reviews and detailed online testimonials. If they have a Better Business Bureau profile, check that too. Also, see if you can find any recommendations on LinkedIn.

If you need additional inbound marketing help, sign up for a free Article City account today!

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Why Will The Banks Settle For Pennies On The Dollar

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I assume the reason why you're reading this is that you may feel your financial situation is declining rapidly. If I'm wrong and you're doing great financially, making good money, paying off the bills every month and have money left over to do whatever you want, then this article is not for you. But, if you are feeling sick and I mean sick and tired of your financial situation then read on.

When I said declining rapidly, I mean it's as if you feel you're being eaten alive by that invisible monster. The one that has sharp teeth and eyes that glow in the dark of the night keeping you awake; it makes your heart pound while you lay in bed worrying about how you are going to pay all your bills by the end of the month. Hopelessly praying that by next month it will somehow get better.

This same monster makes your heart jump, your palms sweat and your voice crack when the phone rings. Who is the monster you might ask? That's right it's the Bill Collector! Just like the devil, it goes by many names. The list is too long to mention here. You're not stupid I know that you can name them. But like the devil this monster has one common name: The Bank! Yes for some it may be medical bills or old utilities, but for most of us the root of your problems stem from The Bank.

Easy credit, predatory lending and deceptive advertising are how they do it. They know that 90% of Americans don't have a clue how money really works and they want to keep it that way. If they required a test or a class on what can and does happen when you get that personal loan or credit card from them on their terms chances are you never would have accepted it.

The banks won't admit it to you but they think you're stupid when it comes to money! They're counting on it! Especially if you run into a problem and start paying them late or less than what they want each month. That's when their profits really start to kick in. Why else would you put a yoke around your own neck so that you can be controlled by them for the rest of your life? For millions of us this is just what happens once you get a credit card. The light that you see at the end of your tunnel is the train that's going to hit you! It doesn't have to be this way there is hope!

Don't feel embarrassed. You're not the only one out there in trouble. In fact, millions of Americans every year come to this same conclusion at some time in their life. It's unbelievable when you look over your shoulder, see that HUGE mountain of debt, and end up wondering, "How did I get here?"

It's the result of greed from the Banks. You may think that the oil companies' 11 % profits in the 2nd Qtr 2006 were outrageous; but look at this recent headline, CREDIT CARD COMPANIES SCORE HIGHEST PROFITS IN 15 YEARS. MBNA in the 4th Qtr of 2003 made 30% profits! That's right 30% and they break their own records year after year. You might ask how they do it. Fear! When most people get in financial trouble they just allow the Banks to control them with intimidation and fear tactics! They know that 90% of credit consumers will just roll over and play dead. That's because they don't know their rights or options.

The other 10% become educated and take a stand. They refuse to just go along with the crowd and suffer day after day just to please the Banks bottom line. They study their rights under the law; FDCPA is just one resource. They also discover what to say and not to say when talking to a collector. But for most of us time is an issue and having the time and knowledge to learn what you need to know to negotiate is next to impossible for most. I do think you should take some time to at least know your rights but to negotiate is something that should be left to a professional.

The reason the Banks will take less than half of what they claim you owe is because you are in the 10% crowd and they are prepared for it. It's just part of business, it's no big deal when they can go after the other 90% and make a big profit. So I recommend that you contact and use a debt settlement professional, preferably a lawyer. An experienced lawyer can prevent the hassles because the collectors need to deal with them once they are informed that you are being represented. Americans are suing collectors' everyday for not following the law. The law is on your side. If your situation looks like it will never turn around then it's now time to contact a debt settlement lawyer.

Why Unemployment is a Good Thing

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Unemployment rates are higher than they have been in a long time, and that is a good thing for many people. You may think I am nuts for saying the words unemployment and good thing in the same sentence. In fact, I would have thought I was nuts too, until I attended a conference this weekend where I heard Loral Langemeier speak.

Loral brought up a point I have read in several other books on financial freedom recently. She said that people who are employed are too afraid to give up the security of their weekly paychecks to start their own business. And being a successful business owner is one of the few ways you can truly find financial freedom. Otherwise, you will always be using your skills to build someone elses dreams.

I am not telling you to quit your job, especially if you dont have a business plan or even an idea to go after already in place. But it is something to think about.

Did you know a vast majority of people turn down opportunities everyday because they fear change? They fear letting go of the security their job provides them. I recommend saying Yes! when an opportunity arrives, and then figure out how to achieve it. Remember who also spells how when the letters are mixed around. There is someone out there who can mentor you and teach you how to accomplish your opportunities when they arrive.

Did you know that 80 percent of self-made millionaires started out at the bottom and built their own business? Did you know the average self-made millionaire has been broke two-three times along the way to success? They were not afraid to give up. They had a dream, and they kept trying until they made it. You can too.

The steps to creating your own financial freedom are fairly simple.

Step 1: Understand Your Relationship to Money

If money is controlling you, or your life, you will never be able to get to the next step. James Malinchak eloquently described this situation this weekend when he said, No one cares about your bills except you and the people you owe. Stop letting money control your life, and make a plan today to get to financial freedom.

Step 2: Determine Your Freedom

Everyone needs a goal to strive for in order to reach financial freedom. In order for you to retire you need a continual passive income streaming in that is able to support you each month should you never work again. Do you know what that number is? Add up all of your monthly expenses to come up with the number. Then start looking for ways to reach your financial freedom.

Step 3: Understand Your Relationship to Debt

Perhaps my favorite part of the conference this weekend was when Loral asked the audience how many people were in credit card debt. Then she said, I applaud you. You wanted a good life, but you had a small income. So you put the rest on a credit card.

With that statement, she highlighted two important points. You have to have a dream to work towards, but you should never live outside of your means. If you have credit card debt, make a plan today to get it under control.

Step 4: Develop a Cash and Money Making Plan

If you have mastered the steps above, then its time for you to develop a cash flow and money making plan. This plan should not only include how you intend to make money, but it also needs to include how you are going to spend money. Without a plan, it is very easy to start overspending when money starts coming in.

Those are four easy steps for you to follow to start getting your financial goals together. They are a starting point. If you are unemployed right now, consider looking for venture ideas to start your own business. If you currently have a job, start looking for ways to build your own business. Working for someone else isnt a bad thing. But you have talents to offer the world, and you might just be surprised what other people are willing to pay for your business ideas.

[Ed. Note: Loral Langemeier has several books out about how to save money. To learn more about her books, click here.]

Why People Buy Life Insurance

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Have you ever considered why people buy life insurance? I know the salesmen and the creators of the policies themselves have thought about it because if they didn't these policies simply wouldn't sell. Probably the greatest life insurance salesman ever once said that "selling is 98% understanding human beings and 2% product knowledge". Another question that is worth exploring is why do some people not own any life insurance at all. Why would you buy life insurance?

Love of Family

More often than not the reason people buy life insurance is because they care about what their loved ones will experience if they should die suddenly. This caring can be expressed in different ways. The Hawaiian people, I am told, have such a deep passion for the well being of their families that they will go to extreme limits to protect them. They tend to buy lots of life insurance as a result.

There are others who buy life insurance through a deep sense of responsibility. They love their families but they are driven more by the fact that the family relies on them so they have to live up to what is expected of them.

Tax Advantages

Some people, especially the business minded, buy life insurance for the tax advantages the purchase provides. The death benefit of the policy is paid free of Federal Income Taxes more often than not. If the policy is part of your estate the proceeds are taxable.

If you own cash value life insurance the cash value and dividends accumulate tax free. When you cash in the policy you will need to pay the taxes on the interest earned. The reason this is advantage is that these policies are usually cashed in round and about retirement time. Your income is likely to be less than when you were working so you would be in a lower tax bracket.

Tax Shelters

The most highly paid life insurance salesmen are the ones who know the tax laws inside out. Here is how they do it. They are usually qualified Financial Planners. Some are Attorneys or Accountants. What they do is to show well off people legal ways of sheltering their income from Income Taxes. They save them a lot of money. As a result these clients think nothing of putting some of the money in a life insurance policy that they need anyway. They need to buy life insurance to protect their families. A large portion of an estate can easily go to pay estate taxes. These people buy life insurance policies sufficient to pay the taxes upon death.

The reasons we buy life insurance may vastly differ but everyone needs to buy some sort of a policy...if it is even just to take care of final expenses.

Here are some things that everyone should consider:

http://www.lifeinsurancehub.net/estateplanning.html

And for the person who owns a business:

http://www.lifeinsurancehub.net/businesslifeinsurance.html

Whats the Best Dog Movie of All Time

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For whatever reason, movies that feature relationships between dogs and people have the ability to make us even more emotional than movies about people alone. We laugh harder, cry harder or feel the strong tug of nostalgia thinking about how much we love our own pets.

Even if you arent a dog owner yourself, you can probably think of your favorite dog movie. From comedies to dramas to silent films, there have been so many memorable roles for dogs on the big screen.

Below, were counting down the best dog movie moments of all time. Read on for our top eight rankings, and get inspired for your next movie night.

8. Beethoven

Number 8 on the best dog movie list is Beethoven. As slobbery as he was lovable, Beethoven the St. Bernard won all of our hearts in this classic early nineties film.

Centered around the Newton family, the movie showed the ups and downs of adopting a puppy. Beethoven may have started out small and cute, but it wasnt long before he was a full grown St. Bernard with the strength and the slobber to match. And though most of the family loved him from the beginning, it took the Newton family patriarch, a while to come around.

The original film was such a hit that seven sequels followed, though the original cast including the dog who played Beethoven were only all together for the first and second films.

7. Benji

Coming in at number 7 on the best movie list is Benji. What made the movie so popular at the time of its release was the way the story was told through the dogs eyes. A local mutt who has endeared himself to the residents of his small Texas town, Benji becomes nothing short of a hero when his favorite children go missing.

The dog who played Benji was a mixed-breed found in a California animal shelter and went on to become one of the most famous dog actors of the time. The pup went on to have a 14-year career in show business.

6. Air Bud

On the surface, this movie was about a dog named Buddy who possesses the uncanny ability to play basketball. In truth, it was about how much dogs can enrich our lives.

Josh, the movies central figure, is a lonely boy who moves to a small town in the aftermath of his dads death . Hes too shy to make friends and doesnt have the confidence to try out for the schools basketball team. When he meets Buddy and realizes what Buddy can do, all of that changes.

Air Bud was such a success, partially because America was fascinated by the true story that inspired it . Writer Kevin di Cicco adopted a stray dog, named him Buddy, and trained him to play basketball, as well as chess, football and a variety of other sports.

5. The Fox and The Hound

It was hard to pick just one animated movie for the best dog movie list, but ultimately The Fox and The Hound won out. Like most Disney movies, this animated film is both lighthearted and fun, while still delivering an important message.

The movie tells the story of a fox and a hound who become best friends as young animals. As they grow up, they are forced to face their true natures and their friendship is put to the test.

Surprisingly sad, it tackles a real issue of prejudice while also reminding us all of the power of friendship. Its featured song, Best of Friends is a favorite from the Disney musical canon.

4. The Artist

The Artist has the unique distinction of not only being number 4 on our best dog movie list but also being a winner of a Best Picture Academy Award.

The movies human star, Jean Dujardin, earned a lot of recognition for his role. But it was Uggie, the Jack Russell Terrier featured in the movie, who arguably became the most famous following the films release.

Uggie became a fixture on many red carpets, and his memoir Uggie, My Story was published in the US, UK and France.

Uggie worked with professional trainers to prepare for his film roles. And while working with one, like Ty The Dog Guy, may not make your pup world famous, it will definitely improve his behavior and skills.

3. Homeward Bound: The Incredible Journey

Though this 1993 film is technically a remake of a 1963 movie, we still consider it to be a classic.

What makes this one of the best dog movies of all time is that the animals in it arent playing a side part to human main characters. The animals are the main characters, with the plot line to match.

The movie follows the adventures of two dogs Chance, an American Bulldog, and Shadow, a Golden Retriever and a cat named Sassy as they set out on a journey to reunite with their human family.

Voiced by human actors, the animals have complex personalities and complicated relationships. They have to work together to solve problems and survive in the wild. The film showed the most human side of animals, making Chance, Shadow and Sassy as relatable as any human character.

2. Best in Show

This mockumentary style film showed human dog owners and their best, their worst, and their funniest.

The movie follows several different storylines, all centered around characters preparing their pets for a prestigious dog show. Each dog owner the audience is introduced to is quirkier and funnier than the last.

Though the movie pokes fun at how far were willing to go for our dogs, it does so in an ultimately loving, and always hilarious way. Its Christopher Guest doing what he does best, and it keeps you laughing from start to finish.

1. Lassie Come Home

Since its release in 1994, Lassie Come Home has remained the ultimate dog movie classic. Its a movie you watch when you need to be comforted, or reassured that theres good in the world.

Its impact is lasting, as it has spawned remakes, TV shows and been referenced throughout pop culture.

Its a classic for a reason and, in our opinion, the best dog movie of all time.

What Do You Think is the Best Dog Movie of All Time?

We could spend all day debating the merits of one dog movie over another, and our list will not be reflective of everyones opinion. But maybe it will lead you to discover a new favorite or inspire you to re-watch a movie you love.

Would you put together a different list? Let us know in the comments or contact us with any questions or thoughts you want to share.

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What You Need to Know About Government Christmas Benefit Payments

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If you are receiving government assistance under specific schemes, you will be eligible for a yearly Christmas benefit payment, also called a Christmas bonus. While this payment isn't huge, it might come in handy. Your Christmas payment can be applied towards a Christmas meal, energy costs, or any other needs you might have around the end of the year. Not everyone can receive this payment, and whether or not you are eligible is based on a single week, which is usually the first week in December. This is called the qualifying week. Even if you were on a qualifying assistance program throughout much of the year, you won't get the Christmas bonus if you were not on the assistance program during the qualifying week.

Who Qualifies?

Only UK residents who are in the UK, Channel Islands, Isle of Man, Gibraltar, any EEA country, or Switzerland during the qualifying week can receive Christmas benefit payments. Additionally, you must get a financial assistance benefit during the same week which is on the list of qualifying benefits. Government benefits that will make you eligible for the Christmas payment include: disability living allowance, war widow's pension, mobility supplement, carer's allowance, and the widowed mother's allowance. For a full list of the assistance schemes that automatically qualify you for a Christmas bonus, you can visit Gov.uk.

What is the Value?

Christmas benefit payments are generally in the amount of 10 pounds. All people who qualify for this payment are given the same amount, regardless of other factors such as their additional income or the assistance programmes for which they qualify. While the value of the benefit is subject to change from year to year, all qualified individuals always receive the same amount in any given year. The money is disbursed in a single one off payment. Even if you receive multiple assistance checks, you will only get one Christmas bonus.

How Are You Paid?

The funds for your Christmas bonus will be transferred into the account that you use to receive your other assistance payments, such a pension payment or disability assistance. This might be a bank account, credit union account, building society account, or National Savings account. If you typically receive your assistance money through the post, you may be sent a check for your Christmas benefit payments. The deposit may appear as "DWP XB" on your account's statement. The money is automatically transferred during the disbursement period.

Do You Need to Claim It?

You don't need to specifically claim the Christmas benefit payment. The fact that you receive a form of public assistance named in the list of qualifying programmes is enough to generate a payment for you at Christmas time. If you think you qualify for the payment and you don't get it by the end of the year, you can contact the Jobcentre Plus or Pension Centre that typically sends you assistance payments. Bear in mind that if you were out of the country or did not receive assistance during the qualifying week, this might explain why you did not qualify for the Christmas this year.

Other Considerations

The Christmas benefit payment is tax-free, meaning that no taxes are deducted from it when you receive it and you don't need to claim it as taxable income next year. If you are married to someone or in a civil partnership, you and your partner may both independently qualify for the payment. When that is the case you will each receive a separate benefit payment. Your Christmas bonus payment will never affect the other assistance payments that you receive throughout the year.

The UK government sends out Christmas benefit payments to help those in need make it through the holiday. While the payments are nominal, they might be able to keep your heat on or even put more food on the table at a time when your kids are home from school and you are responsible for the care additional family members. If you need this payment as financial assistance throughout the holiday season, be sure that you meet all of the qualifications during the qualifying week at the start of December.

What the Post-Mortem Letter Should Contain

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The following items should be included in the post-mortem letter.

To-Do List

Notify your employer (remember to include phone numbers).

Notify certain friends and relatives (provide a list with phone numbers).

If you have volunteered as an organ donor, provide the information necessary for your family to act on your wishes.

Notify the Social Security Administration (include your social security number for convenience).

Any instructions on the care of pets.

Wills

The location of your final executed will should be mentioned, along with any copies.

Caution: Do not leave a will in a safe deposit box. Safe deposit boxes are sealed on the death of the decedent in many states; this will cause headaches and delay.

Guardians of Children

The names and addresses of guardians for minor children in case they are orphaned should be mentioned in your will. These should also be included in the letter.

Funeral and Cemetery Plot

If you have made arrangements for funeral services or have established a pre-need funeral trust, provide details in the letter. The location of your cemetery plot and the location of the deed or certificate relating to the burial plot should be mentioned. Any specific instructions for the executor relating to burial should be mentioned in the letter.

Tip: For the reasons mentioned above under "Wills," do not leave the cemetery plot deed or certificate in a safe deposit box.

Safe Deposit Boxes

The location of safe deposit boxes, along with the location of keys, passwords, and combinations, should be mentioned. The letter should indicate whether anyone else has access to the boxes.

Tip: If other people have access, ask the executor to take inventory of the box before anyone else is allowed to take items out of the box.

If you have rented a post office box, include the number, location of the box and location of the key.

Bank and Credit Card Accounts

All checking and savings accounts and their account numbers should be mentioned. Instruct the executor whether a stop should be placed on withdrawals from these accounts, and whether anyone else has the right to withdraw from them, whether as a co-depositor or under a power of attorney.

Tip: Be sure to mention any accounts that are not in your name, such as deposits in a Swiss numbered account. Otherwise, these accounts may be lost because no one knows about them.

Tip: Keep savings accounts active by periodically sending a request for the balance in writing, or by making deposits. Inactive accounts that are left for a certain period may revert to the state.

A list of credit card accounts and numbers should be included. The executor should be instructed to cancel credit card accounts immediately, and to change joint accounts to single accounts.

Loans

Provide information on any outstanding debts. Some loans such as student loans and home mortgages may have an insurance feature which cancels the debt in the event of your death. In the case of student loans, this was often paid for in the form of a fee at the amount the loan was disbursed and many people are unaware of this feature. Examine your loan documents for any such features and detail them in your letter.

Tax-Related Matters

The location of copies of your income-tax returns going back as far as possible should be mentioned.

The location of copies of any gift-tax returns filed at any time should also be mentioned. If copies cannot be located, your memory of when and where the gift tax returns were filed, and the gift to which they related, should be mentioned. If there are any refund claims pending, or if you feel a refund should be filed for, mention these as well.

Attorneys and Other Professionals

Mention the names and addresses of any professionals associated with your affairs, or who could be of assistance to the executor. Include accountants, attorneys, insurance agents, financial advisors, bank officers, realtors, and brokers. If you relied heavily on these people, they could save your estate plenty of money and trouble just by answering a few of the executor's questions.

Tip: Also mention your physician's), since your executor may need help in proving you were mentally competent.

Insurance-Related Matters

Mention all life insurance policies owned, with the policy numbers. Give the location of the policies. Do not neglect to mention employer-provided group insurance.

All property, liability, malpractice, business continuation, and other types of insurance policies should be mentioned. These policies may save the estate from having to pay a claim, and may also contain the location and description of properties. Further, access to these policies may allow the estate to obtain reimbursement for expenses incurred immediately prior to death.

Tip: Mention policies that have lapsed, since they may still have some value.

Property Owned

List all assets you own, and give the location of deeds and titles. Include personal and real property.

Tip: If you know of a market for some of your assets that might otherwise be difficult to sell (e.g., a special collection or unique asset), tell the executor about it.

Don't neglect to mention property that will not be easy to locate, e.g., property you have loaned out or sold on consignment.

Tip: If there is any reason why the executor should value a piece of property at less than its fair market value, explain why.

Investments

List all brokerage accounts and other investment vehicles, such as limited partnerships or interests in real estate.

Give the location of brokers' confirmation slips for purchases of securities going back as far as possible, in order to establish the cost of securities. The cost is your tax basis, which will affect the amount of tax you pay on a sale for securities you may have sold prior to death. The basis of securities held at the time of death will be determined with reference to their current value. If you cannot locate confirmation slips, then at least make a note of transfer dates shown on stock certificates and registered bonds. These dates will allow you to look up the price of the stock.

Provide information on all retirement accounts, including IRAs. Indicate your designated beneficiary and describe where statements are located. In the case of IRAs, provide information on the tax status of the account. In particular if non-deductible contributions were made a portion of the account may not be taxed to the beneficiary.

Employment

Provide a list of all prior employers, no matter how long ago you worked for them. You may be entitled to pension benefits or death benefits.

Tell the executor where to find a description of any pension benefits you are entitled to.

Provide the executor with a record of any governmental employment, past or present. For the armed services, include the branch of service, serial number, and approximate dates. You may be entitled to veterans' benefits or survivors' benefits.

Personal Papers

Mention the location of your passport and your birth certificate, which may be needed for Social Security benefits and employee retirement plans. Naming the location of your marriage certificate, which may be needed in connection with the marital deduction, joint gifts, and statutory spousal rights. A divorce decree will also be necessary, and should be mentioned.

Checkbooks

Describe where your current and past checkbooks and canceled checks can be found. These may save the estate from having to pay a claim or expense that has already been paid, and can establish the cost of an asset.

Inheritances

If you received an inheritance from someone, include the name of that person and the date of death. The executor may be able to claim a state or federal estate tax credit for transfers within ten years of your death. Note the location of any letters from the person's executor, if any.

If you have any future rights in someone else's property, whether by will or by trust, include those details.

Trusts

If you have ever set up a trust or been named as a trust beneficiary, where the trust instrument is located and when the trust was set up.

Money Owed to You

Mention debts owed to you by others and any proof that the debt exists.