So many times we complain about what's not right in our lives; but do we really appreciate the value of all those little nice things that happen to us everyday? This may sound like another of the philosophical speeches that riddle the print, screen, and online media. But then, this one's inspired by some nice things that happened to me recently, and how they brightened my gloomy day. Recently, my TV decided to stop working, and I...more
One of the biggest dangers I've seen with people and business is how they move forward when they have already experienced success. Not that success itself is the problem, but in some cases it's the attitude it can bring. Many of those who have succeeded approach their business with a learners mentality. They want to find out about the business, try things out and if it works, they feel pretty good about themselves.However, once some...more
As dreams are taking newer turns, so are our efforts to realize them. It is only natural for anyone to dream of a home of one's own, where one can live with one's loved ones and cherish all the dreams that one had regarding a home, sweet home. And to acquire this, one can actually do anything starting from laboring day in and day out for paying that sky-high mortgage, even compromising on several aspects of daily life. But what happens when you miss to repay one installment? They threaten your property for real estate foreclosure. However, unlike most things, you have this in your own hands and decide the fate of your own home by being able to avoid foreclosure auction, avoid losing home and short selling your property pre foreclosure.Why would you do that? Property short sale means selling your property at a value less than what you owe your bank or the lender organization for the mortgage under question, that is, less than the loan balance, which is secured against the property. This way you can save a lot of your money, which otherwise you would have needed to pay the lender along with saving yourself and your loved ones from all the humiliation and embarrassment...more
If you want to make money with stock photography you'll have to follow some basic guidelines, no matter if you shoot for a micro stock site or a traditional stock photography agency.Shoot photos that sellThat's by far the most important point. Would you pay for an image of your neighbors mother-in-law? Or of his dog? Of course not! No...more
Not every city has the proper political and social environment to sustain growth. In fact, there are some cities who are completely opposed to growth and work very hard to maintain the status quo, regardless of how the world is changing around them.Land developers and investors specifically look for cities that are fully open to...more
We Were All SuckeredWall Street milked the mutual fund structure for trillions of dollars during their heyday and popular rise in the 80's and 90's. Almost everyone had some type of mutual fund investment and even today most 401k plans are littered with these high fee, poor performing structures. And do you know where these trillions of dollars Wall Street has made from Mutual Funds has actually come from? Your portfolio!High Fees Crush Long Run Investment ReturnsThe average mutual fund fee is often north of 1.5% and can range up to 2.5% for more active funds. While in contrast, the average ETF expense ratio is about 0.5% and some go as low as 0.06% What is more shocking is that most actively managed mutual funds cannot outperform the market index in the long run, and actually under-perform the index by the amount of their expense ratio. What that means is you could simply by the index with a low-cost ETF and outperform almost all mutual funds over the long term by at least 1% annually or more.Putting the Cost in PerspectiveIf we assume and investor has an average portfolio balance of $250,000 over a 40 year investing life-cycle, the cumulative cost in mutual fund...more
Buffalo Blower Co. has developed a few methods of effective building ventilation and cooling. In industrial plants where there is a high density of employees and many manual operations involved, an improvement in the environment can...more
The human body benefits from sun exposure. And a little bit of tan protects you from the sun. Right? Wrong!The body does indeed benefit from sun exposure. But a little bit of tan does not necessarily protect you from the sun. Let's see...more
Pakistan has claimed many times that India is usurping her waters but she herself is not able to store water which flooded her severely. How much water has gone to sea is unfathomable. If this water was saved it might have helped in...more
A new network marketing business has hit the scene and they go by the name of Fantaz.Recently I decided to start keeping up with all of the new network marketing companies that are coming out.I'm doing this because if you are going to...more
When recovering from infidelity in a marriage, learning how to release the power of obsessive thoughts about the affair is essential to reclaiming your inner sanctuary, that is, your mind. It's not uncommon to find yourself being...more
In the 21st century technology is not only producing newer and sleeker vehicles but also accessories to keep up to date with such vehicles, amongst them are DVD players, music systems and car roof racks. To-day the automobile market...more