Many people have a question when thinking of buying a timeshare. Does it make financial sense or does it make sense at all to buy a timeshare? Well the answer can be both yes or no depending on who is buying and for what purpose it is being bought. In this article we will discuss why it makes sense to buy a timeshare. One of the most traditional answers could be that you own it, but when you rent something you donโt own it. Timeshare industry has grown by leaps and bounds since its inception in this country and many notions that people had earlier have been clarified. Timeshare is no more a small business. Big hotels and resorts are into timeshare business now. It is estimated to be a Five billion dollar a year industry worldwide and approximately two million Americans have timeshares. You might be wondering what lured so many people in America alone to timeshares. Here are some reasons.Vacation Planning)
Consider this fact you pay rent to stay in a hotel. You pay the rent for staying in a hotel for a week. Suppose it is $900. If you consider a period of 30 years, multiply the cost of living in a hotel for 30 years with $900. It will be $27,000. You spend that much amount and only get a suite with only a bathroom. Now consider this, if you buy a timeshare for $10,000 which has a maintenance fee of $450 annually. The cost for 30 years will be $10,000 plus 450 multiplied by 30. The answer will be $23,500 which is $3,500 less than renting a hotel suite. But here is the interesting fact. You still get to own your timeshare property which will earn some money if not the original price. So your actual expenditure on your vacation will be way less than renting a hotel suite. Then who can ignore the comfort of a home in a timeshare property. A typical timeshare unit has two or three bedrooms, more than one bathroom, a kitchen, a laundry room and a pool plus not to forget all the resort facilities.
Does it make sense now? It does because it also saves you from the hassle of planning your vacation each year because you know when you have to go in turn offering you a guaranteed vacation every year.UNLIMITED RESORT VACATIONING WORLDWIDE)
How many hotel rooms can accommodate large families and friends? With a timeshare vacation you can invite who ever you want and can host reasonable size gatherings.
A timeshare is like money lying safely in your bank. You can sell it whenever you want. Not only that if you buy a deeded plan, the timeshare gets inherited to your heirs also.ADDITIONAL INCOME START HERE CLICK NOW
Compare the timeshare with buying a vacation home. You donโt have to worry about upkeep and maintenance also. The management company will take care of everything. You just have to pay the maintenance fee for that. But what a pleasure you can live like you are living in a hotel and still get a feel of your home and have to do nothing.
Health is wealth! We all have heard of this term in this journey of life. We understand its meaning, but its relevance and deepness are realized only when you are down! Being physically fit is the best reward that one could ever have.
There is no gift that is more valuable than the gift of health. The health industry is booming and there is a reason behind that.
People are becoming extra cautious of their health especially due to awareness and the tedious routines which is increasing tendency of diseases in young people too!
Here is how you can step on the pathway of being physically fit!
Exercise: You should incorporate exercise in your routine to stay fit and active. Exercise reduces the stiffness in your body and improves blood flow which keeps you active throughout the day.
You can do swimming, cycling, yoga, running or jogging. It is very easy to include these in your routine if you spare some time. FREE INFORMATON
I will not only maintain the weight of your body but would also improve metabolism and immunity. Both of these are important ingredients in the recipe of health!
You can join group classes or a nearby gym to attain continuity. If you are part of a group of people who are fitness conscious then it will help you in attaining the routine quickly.
Yoga is a combination of cardio and strength. It helps you in learning how can you balance, meditate and focus on things.
There are a variety of exercises available and it is always a good practice to include some strength training sessions. You need to gain muscle as you start to age as they drain out of strength.
So lifting some weights, dumbbells under supervision will prove to be a good idea!
Healthy food and beverages: It is important to include foods that are rich in Iron, Vitamin D, C & B in your diet for a healthy body.
f you are a non-vegetarian, you might already be getting enough of these but if you are a vegetarian, you need to be extra cautious of your diet! Go for regular health check-ups to address any deficiencies that you may have!
Smoking and alcohol and rather make a habit to drink coconut water, coriander seeds to water and juices daily.
Value of being physically fit
It is important to create a culture of wellness to yield sustainable results of health in long run. Being healthy and physically fit has a direct correlation to happiness and success.
A healthy mind rests in a healthy body! Staying physically fit not only impacts your persona and lifestyle but also improves your performance at work.
In order to drive the business forward and inspire your team, a good leader should maintain mental and physical wellness.FREE INFORMATION
At every stage of life, you are constantly pushed beyond your threshold/ comfort zone. A healthy body has stamina and mental ability to endure the challenges at every stage of life. This helps you in maintaining your cool and also reduces symptoms associated with anxiety and Great Health.
Identity Thief – ways to safe guard your credit and private information
Identity theft happens when someone obtains sensitive personal information, such as credit card data or personal identification number to commit fraud or other crimes. With so many services and product moving online, you may not remember every store youโve shopped at or the websites youโve signed up in, but thieves and hackers can strike anywhere and at any time.
While no measures can guarantee protection against identity theft, there are ways you can take to safeguard your information and have a strong line of defense. Here are some tips stated by experts to prevent identity theft:STARTING A BUSINESS
Keep track of your paper trail
If you prefer checking your ATM, credit card or gas station receipts on paper, then make sure you destroy it after youโre done the checking. Shred credit cards statements, salary information or documents that contain private financial information often.
Safeguard your Social Security number
Avoid carrying your social security card with your all the time, keep it in a secure place.
This is very secure information that identity thieves target first as it will give them access to your credit report and bank accounts.STARTING A BUSINESS
Watch your mail
Stolen mail is one of the easiest paths to a steal an identity. Use a locked mailbox or ask a trusted source to fetch your mail held if youโre out of town. USPS also has an informed delivery service which can give you a preview of your mail so you can tell if anything is missing.
Track your bank and credit card statements
Check your account statements periodically to check if all purchases and credits are valid. If you recognize irregularities in purchases that you didnโt make, contact your bank and cancel your cards immediately. Also make sure you recognize the merchants, locations, and purchases listed.
Be cautious when asked for personal information
Even if youโve signed up for phone banking, ensure that you read through your bank’s verification procedure and do not divulge any unnecessary information. If salespeople or sign up sheets require information such as Social Security, driverโs license number, or any personal identification, only reveal it if it is absolutely necessary.
Lock down your hardware
Since we use devices so often throughout the day, set up password protection for your phone, laptop, tablet, and other devices, Even if you trust the people at home or at work, there are threats of break-ins putting your data at risk. Downloading anti-malware apps and software is also good-to-have as they can prevent criminals from stealing your data. STARTING A BUSINESS ON A SHOESTRING BUDGET
Social Media Safeguards
Secure your social media profiles (Facebook, Google, Dropbox, Apple ID, Microsoft, Twitter) with two-factor authentication. That means that whenever you log in, youโll need a code that the site sends to your mobile phone along with your password to enter. Although it may seem time-consuming, it is better to be safe than sorry.
While social media is a great tool to share things about your life, the more you share, the easier it will be for someone to get their hands on your information. Keep your social media profile as barren as possible and try not to divulge your birth date, email address, and phone number.
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Are you finding that your networking efforts are wearing you out – and your network does not seem to be growing?
Here are the myths that must be disspell so that you can spend quality time – not quantity time – on building your professional network
networking, contact building, list building, small business sales, business development
If youโre networking with strangers, youโre wasting your time. A consultant friend of mine recently complained, โIโm doing 2-3 networking events a week โ and Iโm worn out.โ
When I asked why she felt networking was important, she replied, โOne of my marketing goals is to do at least 1 networking event a week.โ
(I pointed out that she just admitted to doing 2-3 a week โ and perhaps doing 1 a week is smart and doing triple that goal is causing some of the fatigue.) But thereโs much more to the great American business myth of networking.
Myth 1: The more you network, the more effective your networking activities become.
Truth 1: Itโs much more important to become well-known in 1-2 circles than to spread your networking activities over many different groups. Depth beats breadth every time.
I then asked her how networking was working for her. She said, โI donโt think I have gotten a shred of business out of it in the last six months.โ
Her rationale for doing networking: โEverybody knows that you build a business by networking!โ Does this make any sense? Or worse, does it sound familiar?STARTING A BUSINESS ONLINE
See if this networking scenario has happened to you:
You meet someone for 30 seconds. They mumble something about real estate as you are tuning them out. They ask you what you do, and you say you are in insurance.
After 10 seconds of staring blankly at each other, you both head to the celery sticks for lack of anything better to do.
Myth 2: The cocktails and miniature wiener circuit is the way to network to success
Truth 2: Networking with strangers to build business is about as effective as going to a bar to get married. In the words of Dr. Phil, โIt simply ainโt gonna happen that way.โ
Hereโs why youโre not going to meet your business soul mate at a networking event:
1) You arenโt going to do business with someone after meeting them for a few minutes and getting handed a poorly printed card.
2) Businesses are built on relationships and not โ30-second commercials,โ no matter how effective and intriguing.
3) Most of us have major trouble in explaining what we do, much less getting past that explanation and listening for what prospects need.
4) Networking with strangers is not targeted or specific and in fact is completely random. For some people, networking is exactly as effective as cold calling, which is the least effective marketing tool there is.
So am I saying that networking is a waste of time? Absolutely not. What Iโm saying is you need to start networking smarter.
Here are a few thoughts to jog your noggin:
* Network by having coffee or lunch with people one on one. Get to know them and their business. They may become a prospect, alliance partner, or referral source.
But aim first and foremost to make them a friend. The rest will follow naturally.
* If youโre going to network with strangers, go with the goal of making 2-3 lunch or coffee dates with people you find interesting.
* Ask every happy customer you have (theyโre all happy, right?) for just one referral of someone who would be interested in your type of goods or services, then call and use their name.
(โHi Iโm Fred and Ginger said I should call you. Isnโt Ginger great?โ) You already have one thing in common โ Ginger!
* Create a network โhit listโ of the exact kind of businesses you want to network with โ maybe you sell software and you want to meet IT managers at medium-size companies.
Make the list and put it in your little black book or PDA. Focus your networking and outreach activities on only those people โ or others who can refer you to those people.
* Join non-business groups and spend time doing non-business activities: Civic, social, religious, recreational, musical, athletic… the list is endless. Establish relationships with people in your group. Perhaps youโre a Moose and a realtor.
A Moose, as it turns out, wants to by a house from another Moose. If so, you have the Moose Market cornered! Are you into hand-drumming. Guess what? A hand-drummer will want to do business with another hand-drummer. Get it?
* If you do go to a โmixerโ go with a targeted goal in mind. For example, your goal might be โto meet three people on my target list and get their card so I can follow up for breakfast, lunch, coffee or badminton.โ
A traditional โnetworking eventโ now becomes simply the first phase of your targeted plan for global domination, and not an end in itself.
Hereโs a final thought to shake up your networking mindset: Network with people who already know you, like you, or have done business with you.
Myth 3: Networking is all about getting more people to know what you do.
Truth 3: Networking is all about getting people that already know you to share opportunities where you can be helpful to each other.
Make 2-3 phone calls a day to connect with people from past jobs, former clients, or influential people who have expressed interest in you in the past.
We all have a โfan baseโ that we grossly underutilize.
Think about tapping into friends, colleagues, mentors, and family to mine the connections you already have at your fingertips.
So get out there and network โ but make it worth your investment of time and energy by networking smart. As your mother always said, โDonโt network with strangers.โ
5 Simple Steps to Small Business Success on the Internet!
For years, the website design market used to fall into three separate entities for website design and development: (i) graphics and animation studios, specializing in custom graphic design and creative animations, (ii) website marketing/promotion firms, (iii) Web programming companies specializing in database-driven website development.
Web Design, small business, Internet small business, web developer, web promotion
For years, the website design market used to fall into three separate entities for website design and development: (i) graphics and animation studios, specializing in custom graphic design and creative animations, (ii) website marketing/promotion firms, (iii) Web programming companies specializing in database-driven website development.
Nowadays, however, you get to see a fusion of these three entities in several dynamic Web Development and Promotion companies operating from any part of the globe.
These web design, development and web promotion firms are virtually allrounders that cater to a diverse range of clientele, include those coming up for creative web design, web databases CRM / ERP as well as for SEO (search engine optimization) needs.
Most small business firms all over the world heavily rely on the services of such web development firms as they usually cater to small business website design by providing web based marketing methods that small companies can afford due to small budgets.
Depending on the effectiveness of such web-based marketing, clients often see incredible successful results from clicks to conversion. There are some case studies which show that utilizing their marketing equation; some sites have gone from 10 leads a month to 300 leads.
However, to achieve this is easier said than done. Web marketing firms that create a full plan for their clients using both the strategic and tactical methods crafted by specialists/consultants in turn are able to give small or large businesses increased sales.
Therefore, the objective behind any web development or website promotion project is to create a unique selling proposition through your website that can set you apart from your competition so your customers should only think of doing business with you, regardless of price.
Small business firms today look forward to the professional creative website design and strategic web development and web promotion companies for the simple reason that they want their site to have the look and usability of a Fortune 500 company site without having to spend huge bucks for it.
6 Month Treasury Rate is at 5.47%, compared to 5.50% the previous market day
and 2.51% last year. This is higher than the long term average of 2.77%. The
6 Month Treasury Bill Rate is the yield received for investing in a US
government issued treasury security that has a maturity of 6 months.
What percentage of people make $80000 a year?
They are the 96.5 percent.
…
Percent by Household.
Annual Household Income % of Americans Earning More
$70,000 to $74,999 31.85%
$75,000 to $79,999 29.22%
$80,000 to $84,999 26.57%
What is the meaning of the key to success is to focus on goals not obstacles?
One of the most important requisites to achieve success in life is to stay focused
on the goals. If you are not focused on your goals, it would be practically impossible
for you to decipher what you need to do to reach your destination. There would be
undoubtedly many obstacles on the way, and you need to overcome it.
What are 10 ways to be successful?
Here we show you 10 ways you can become more successful, improving every aspect of your
life one step at a time.
Don’t lie in.
Stick to your league.
Keep up with trends.
Eat more fish.
Set goals.
Get more money.
Find the girl or guy of your dreams.
Exercise during the week.
KEYS TO LIVING THE SUCCESSFUL LIFE
You would only get to live this life once, so why not make it a successful one.
Yes, everyone has a different definition of success and happiness. For one person, success may mean winning a Grammy.
For another, success may simply mean a stable job and family. As different as what is referred to as success is across individuals, success typically has several characteristics.
These characteristics include peace of mind and stability in its different forms, from financial stability to emotional stability.
Although a lot of person agree that they want a successful life, a majority of the persons that seek a successful life are not deliberate enough about staying the course that leads to success.
The way a person leads their life determines if it will be successful or not. Success doesn’t just happen; it happens as a result of deliberate actions.
It is article highlights some deliberate actions one could engage in over time to lead a successful life.
Be consistent
Success is as a result of deliberate continuous actions. Thus, there is the need to be consistent.
Consistency is a value that every successful person have, whether in the smallest goals or in the biggest dreams.
Consistency simply means putting in the right amount of efforts over time in the different activities.
Consistency means showing up at the job and putting in the best amount of energy daily, committing to activities that largely prove that one is putting in their best every day.
Be present
Every day is a gift and comes with opportunities to create new memories and win new battles.
If a day is spent largely thinking about the future or past, one is bound to miss out on the opportunities of that day. Since success is as a result of culminated effort, the contribution of that day towards achieving a successful life is lost.
If a person thus continues to dwell on the past or future a lot, they jeopardize their chances of leading a successful life.
The victory or losses of yesterday shouldn’t deter one from going after the goals of today.
The fear of tomorrow shouldn’t also deter one from giving today the best.
Be grateful
It has been said that gratitude is an application for more victories.
It is largely true since gratitude is an attribute of successful people. Successful people are typically grateful expression gratitude for everything, from the biggest losses to the smallest wins.
Gratitude is a form of positive energy that can propel a person to success.
A grateful person is more often than not thankful for opportunities that have come their way and give every opportunity they get the best shot.
is also important to add that successful people value their time and manage it as effectively as possible.
Every person on earth gets 24 hours every day, and what becomes of their life depends on how well they use the 24 hours they get each day.
On this note, we point out the fact that successful doesn’t just happen once again. Successful people are deliberate people.
What are the 5 keys to success?
Not being afraid to make mistakes or to try something new.
. Confidence
attempting hard work independently
sharing a new idea with the class.
taking a risk
What are the 4 P’s of success?
To help you narrow your efforts, we have found that in order to be competitive you will need
people, processes, production and progress. If you can master The Four P’s of Success, you
will be in a position to achieve your growth potential.
4.82%
6 Month Treasury Rate is at 4.82%, compared to 4.76% the previous market day and
0.48% last year.
1 Year Treasury Rate is at 4.79%, compared to 4.64% the previous market day and 0.78%