Posts Tagged → money
Nip/Tuck & Travel
Looking for an extreme makeover or just a little Nip/Tuck?
Are you aware of the growing trend of medical tourism? If not, consider this, have the vacation adventure of a lifetime in an exotic country, with sun, sea and pristine white beaches. Your personal assistant awaits you at the airport, accompanied by car and driver. You are whisked away to a luxury beach hotel where you are warmly greeted and everything has been made “just right” for your arrival. Sound great so far? Now add world class plastic surgery. Got your interest?
The kicker, the price tag! This “lifestyles of the rich and famous” treatment will run you half the cost of staying home and having just the surgery. Yes, you heard right half the cost of staying home and having just the surgery! Imagine all this and medical treatment or plastic surgery performed by some of most qualified surgeons in the world. No wonder hundreds of thousands of people annually are exploring the advantages of medical tourism.
A well-known Dallas socialite who travels every year to have “a little work done” said “Why in the world would I pay double the money for half the quality?” That’s a good question. She went further adding, “I could never afford the top surgeon in Dallas, but abroad I can, and would I really want to trust my face or body to my second choice because my wallet couldn’t stretch far enough?
Plastic surgery and medical tourism trends continue to grow every year. Medical tourism is expected to be a global $2 billion dollar market by 2012. Countries where medical tourism is being actively promoted include South Africa, India, Malaysia, Philippines Singapore and South America. The latter, South America is known for being home to arguably the best plastic surgeons in the world.
There is no end in sight for the worldwide growth of medical tourism, in fact, Malaysian Airlines recently announced their plans to become the first airline to book medical holidays direct from their travel agents and ticket counters. The giant tour operator Thomas Cook has also announced plans to market medical holidays in the near future.
The worldwide demand for plastic surgery rises every year and as more individuals who desire a “Nip/Tuck” realize they can afford VIP treatment with a top surgeon in another country they’re packing their bags and heading to the airport.
iPhones on eBay
Can you buy an iPhone on eBay? Yes, you can. However, there are important things to watch out for if you want to buy iPhones on eBay. With eBay it is always caveat emptor – buyer beware. This is true when you are looking to purchase iPhones on eBay as well. If you take measures to be sure that you know what you are buying, then you can get a really great deal on an iPhone. However, if you are not careful, you will be disappointed and possibly out of a lot of money. This is what you need to be aware of when buying iPhones on eBay.
First, know what you are buying and if you are not sure ask the seller before you bid. Some things to look out for are conflicting information between the title and the extended description. For example there was a listing for an unlocked 16 GB iPhone. That is what the title said. In the description is stated very clearly that this phone is locked but then went on to say that they are using it with T-Mobile, so it is clearly unlocked. The best way to resolve issues like this is to send the seller an email and ask for clarification. Save this email and the response you get so that if you are the winning bidder you have recourse if the iPhone is not as described.
Know the difference between unlocked and locked. Unlocked means that the firmware has been hacked and now you can insert any chip that will work on ST&T or T-Mobile’s networks. If you use T-Mobile you will lose the visual voice mail, which is an AT&T exclusive feature. In the US the iPhone will work only on cell phone networks AT&T and T-Mobile. This has nothing to do with the chip and everything to do with the wiring. The iPhone will only work on the radio frequencies that AT&T and T-Mobile provide. The terms “unlocked” and “new, unopened box” are incompatible. You have to open up the box and hack into the firmware in order to unlock the iPhone. Apple does not ship unlocked iPhones. In order to hack into the iPhone you must open the box, and hook the iPhone up to a computer. This is hardly unopened. Locked means that the firmware that Apple shipped the phone with is intact and untouched. These phones will only activate and work on the AT&T network. However, a locked phone has no issues or troubles with any firmware upgrades whereas an unlocked phone must be careful when updating to be sure they do not re-lock the iPhone.
Another thing to look out for when buying iPhones on eBay is to know if the phone is refurbished, new, or used. A refurbished iPhone is one that Apple (hopefully) has taken from not working properly to a like new state. This is a great way to get an inexpensive iPhone. However, an ethical seller will clearly state that this is a refurbished item. Les scrupulous sellers may not disclose this. If unsure, ask. New and used are self-explanatory.
Be alerted to the fact that there are phones that are similar in appearance to the iPhone but they are not iPhones. On eBay, you will see phones called A88, iPhone, PDA, cell phone… These are not Apple iPhones, they are iPhone look alike. Make sure that the manufacturer of any iPhone you purchase is Apple and not CECT.
Finally make sure that you are aware of the sellers return policies and only pay through PayPal using a credit card or pay directly with a credit card. Never pay with cash, checks, Western Union, wire transfers or money orders. This way if you are sold a fraudulent item, you have recourse through your credit card company or PayPal. Buyers who do not take credit cards or PayPal are questionable so once again remember caveat emptor, buyer beware.
eBay tries to make their venue a safe place to purchase items. An educated consumer stands the best chance of getting a good deal. Before you buy iPhones on eBay do a little research to be sure you are getting exactly what you are looking for.
8 Energy Saving Tips
Our environment is suffering and our resources are depleting because we use too much of everything. Did you know that taking small steps to save our environment can also help you save money? If you follow one or all of the tips below, you can actually see real savings on your energy bill. You don’t need to do everything but you can do something.
In a typical U.S. home, appliances and electronics make up about 20% of energy use. The first step is to look for Energy Star labels when buying appliances and products. Energy Star labels are strict guidelines created by the U.S. Department of Energy and Environmental Protection Agency for energy efficiency. Follow some of these tips to help make the environment better for our future generations and save money at the same time.
Light bulbs: Use energy saving CFLs (Compact Fluorescent Light bulbs) instead of the conventional incandescent light bulbs. Although CFLs cost 3-5 times as much as the incandescent light bulb, CFLs only use one-quarter of the electricity and lasts years longer. Each CFL bulb contains 5mg of mercury so you will have an extra item to sort in the recycling bin.
Dishes: Never load your dishes in a dishwasher unless they are a full load. Air-dry dishes instead of using a dryer.
Laundry: Wash clothes with warm or cold water instead of hot water when you can. Instead of using a dryer, air-dry or hang your clothes on a clothes line. Don’t use the dryer unless it houses a full load.
Refrigerators: Think of what you want to take out before you open the refrigerator. Leaving the door open will waste extra energy.
Take Showers, less Baths: Taking showers instead of baths will reduce water usage and also lower your heating bill.
Turn Off all Appliances Not in Use: Turn off all lights, computers, and electronics when they are not in use. Plug all your electronics such as computers, TVs, and DVDs into power strips. Using a power strip can reduce electricity used to power home appliances. Even when your appliances are turned off, energy is still being consumed from the outlet. To avoid extra energy costs, unplug the appliance or use a power strip. The power strip has an off button to cut all the power from the appliance.
Weather-Strip Windows and Doors: Check windows and doors for air leaks. Air leaks can be sealed by caulking or weather-stripping. By securing the leaks in your home, hot and cool air will be kept in your home longer. Less heating and cooling will help you save on energy costs.
Look for Energy Star label: Energy Star labels are only given when appliances and products meet strict guidelines of energy efficiency from U.S. Department of Energy and Environmental Protection Agency.
Make your Living Online
Affiliate marketing’s been a staple of the internet marketing scene for many years now. It’s highly touted as a money maker for newbies and experienced marketers alike. But does it really pay to be an affiliate marketer? Let’s take a look to learn more…
Basically affiliate marketing’s an agreement between a web site owner and a merchant. The web site owner’s actually an advertiser for the merchant or product creator. The agreement is a contract between the two parties that stipulates that the site owner can use various methods including the space on his site to promote the merchants goods. The merchant meanwhile agrees to pay a percentage of each sale generated through the affiliates personalized link.
This benefits both sides because the product creator spends nothing to advertise their goods and the affiliate pays nothing to research and develop new products.
This creates a win-win situation.
The product creator wins by saving money on advertising, which is one of the most costly aspects of doing business, by passing this cost on to affiliates. Basically it’s a pay-per-performance deal because the merchant doesn’t accrue any costs until the sale’s made and the merchant pays the specified commission.
The affiliate marketer wins by being able to sell an already developed product, thus saving the time and money on the front end by not having to deal with R&D and product creation. The product is already developed and proven by the merchant, and all you have to do as an affiliate is find as many prospects as you can that will bring in the profit for both the merchant and yourself.
Another benefit to the affiliate is that most programs are free to join and have pre-made sales material so your marketing experience doesn’t have to be that of an expert.
Probably the biggest benefit to being an affiliate marketer on the internet’s the internet itself.
Because of the global reach of the internet it’s very easy to reach tens of thousands of prospects for almost any type of product line. It’s also very easy to intensify your efforts as an affiliate marketer to exploit new and productive strategies such as viral marketing, ebooks, special reports and autoresponders.
Lastly, as an affiliate marketer you get to pick and choose between many different products to promote. You’re not married to a specific product or even a specific product type. Your risks are minimal because there are no long term binding contracts so if one product doesn’t bring in a profit you can quickly and easily replace it with another.
All in all affiliate marketing’s still an excellent way to earn income from the internet. Perform your due diligence, find a hungry market, find a good product and go for it!
The Roman Family
The father in the Roman family (paterfamilias) exercised absolute and lifelong power over all other family members (patria potestas): his wife, children, and slaves. If the father’s father was alive – then he was the supreme authority in the household. Fathers were even allowed to execute their grown sons for serious offenses like treason.
Each house maintained a cult of ancestors and hearth gods and the paterfamilias was its priest. The family was thought to posses a “genius” (gens) – an inner spirit – passed down the generations. The living and the dead members of the family shared the gens and were bound by it.
Legitimate offspring belonged to the father’s family. The father retained custody if the couple (rarely) divorced exclusively at the husband’s initiative. The father had the right to disown a newborn – usually deformed boys or girls. This led to a severe shortage of women in Rome.
The father of the bride had to pay a sizable dowry to the family of the groom, thus impoverishing the other members of the family. Moreover, daughters shared equally in the estate of a father who died without a will – thus transferring assets from their family of origin to their husband’s family. No wonder females were decried as an economic liability.
At the beginning, slaves were considered to be part of the family and were well-treated. They were allowed to save money (peculium) and to purchase their freedom. Freed slaves became full-fledged Roman citizens and usually stayed on with the family as hired help or paid laborers. Only much later, in the vast plantations amassed by wealthy Romans, were slaves abused and regarded as inanimate property.
Don’t dig your own pit
If you want to enjoy your life out of spending, enjoy if you have you have your own resources and money.
But don’t enjoy your life by becoming a debtor to somebody.
Of course in the modern world, there are many ways and means, which force you to become a debtor.
Attractive advertisements in the satellite TV force you to become a debtor. It tempts you to buy the modern amenities at any cost.
Even though if you don’t have any money or resources it show you many resources for obtaining credit to buy that product. But you must think thousand times before becoming a debtor.
In today’s world credit is the easily available commodity. Numerous companies are waiting to pull you in their trap. They are competing severely to pull you in their trap.
But you must be careful to entangle in that trap.
In spite of this caution if you are prepared to enjoy, then you won’t get any pleasure, but you will lose your peace of mind.
Let us discuss about the common desire of everybody. It is natural that every body wants to have their own house. It is a reasonable desire.
But the desire can be attained if you have enough money on your own to buy the house.
If you are an executive working in a company what will be your thinking?
You will ready to apply for some loan and buy that house. You have decided and applied for a loan also and the loan has also been sanctioned.
You will ask the engineer to construct the house with in the sanction of loan.
The Engineer on seeing the plan will say “Sir, you are constructing house once in your lifetime, why such a low budget house, we can increase slightly your plan sir, it won’t cost much only a 10% increase in your normal budget” he will tempt you.
By that time you will also have some Himalayan courage, and think why we can’t adjust that 10% increase, ok we can adjust that 10% increase by obtaining loan from our relatives, and you give consent to the engineer’s suggestion.
The Engineer will begin to build your house. The house is also going to be completed soon and only some finishing work is there.
You ask your engineer ‘when can I take possession of the house’, sir?
The engineer will politely tell you, Sir, there is a small problem, the problem is there is a sudden increase in the cost of materials, so I fear whether it is possible to complete the building what we have already planned.
But you are in the dream that the house should be constructed at any cost. So you don’t bother about the resource to complete the house and prepared to arrange for the money required for completing the house.
What you will do. The next thing before you will be some bank balances available out of your savings and the jewels of your wife or your children.
So your savings, jewels will all go from you and fill the cashbox of another businessmen.
Your house will become ready finally. On seeing the house raised beautifully you forgot all the sources where the money came from to complete the house.
You will forget about the loan you obtained from your company.
You will forget about the loan you obtained from your relatives.
You will forget about the erosion of your savings and jewels.
All these will come to your remembrance only when the company commences their recovery for the loan you obtained.
All these will come to your remembrance only when your relatives need the money they paid.
All these will come to your remembrance when you don’t have enough money in your savings account for your urgent requirement.
Then your mind will think about the resource to fill up the deficit in the family budget, the loan to repay to your relatives and for your urgent requirement.
You will get easy resource to fill up this deficit, because you are working in a company, getting regular salary, higher salary. Companies are ready to give credit.
You are also ready to get credit from another company to fill up the deficit.
So you are ready to close the small debt pit, and begin to dig another debt pit, which is little more in size than the first pit.
The same deficit pressure mounts after some time. Again you are prepared to obtain loan from another company.
Now you dig another debt pit, which is more than the size of first and second debt pit.
Like this you will go on digging pit after closing the earlier pit to overcome your deficit.
Finally at one stage when you see the remaining pit, it will look like a deep pit, which you cannot fill it up from any source.
So the ultimate choice before you will be to dispose off the house and fill up the huge pit finally stands before you.
You have also made arrangements to dispose off the house.
One person came forward to buy the house. Even though the rate offered by him is not as expected by you, you have no other option except to get the money and fill it up the debt pit.
The house was finally sold off and you got the money. But while working out the amount you have to settle to your debtors, you need some more money.
However with the proceeds realized out of selling the house, you have settled most of the debt and still keep some portion of the debt.
You have lost all your savings, jewels, and other resources and still you have to settle more debts?
Where all of your money has gone?
It is no secret, most part of your debt were for the interest.
The interest made you to close one pit and dig another pit and finally you was let with a big pit with most part of the pit were for interest.
This is a common plight of most of the families especially in the middle class peoples.
The reason is due to their mental capability to enjoy all modern amenities without knowing their economic capability.
Enjoying the life is absolutely necessary but it should be from our own resources. We can enjoy the life but not on obtaining debt.
We have to increase our resources to enjoy the life. We should find out the opportunities to increase our resources and then think about enjoying the amenities.
Get Your Book Done … Now!
I don’t believe in writer’s block. (I can hear the gasps of disbelief already.) Listen: If you hire a plumber to come to your house and fix a problem, do you expect him to say, “Sorry, I can’t figure out what your problem is. I think I have plumber’s block”? Probably not, and if he did, you’d toss him out and call another guy faster than you can say Drano. Not that plumbing can be compared to writing, but if we follow the proper steps to get the job done, I find that writer’s block melts away, the drains are unclogged, and the words start flowing like water from a faucet. But what are these “steps”? Well, a big part of my job as a book marketing specialist is to help people create something they can actually market: a finished book. Many of us have ideas aplenty but not a clue how to get them down on paper.
Unlike other professions, authors operate under a whole different set of rules. We often can’t just sit down and pound out a story, and those who do have created their own formula for doing so. We see this huge story with all sorts of directions we want to take it, we see the cover, we see the characters, we see the market potential. Then we see Katie Couric or Oprah smiling and holding up our book for the whole world to see. Then we glance back down at our monitor and see a tormenting blinking cursor and blank screen. And we are again reminded of what a failure we are. We have all these stories and nothing on paper. We are idea generators. We have zillions of them running through our minds, but none of them on paper. Unless you make your money in a think tank, operating this way probably isn’t getting you any closer to your goals.
When a project looms before us, it’s like this big elephant — huge, overwhelming and ready to stomp us flat any minute. There’s an old saying: “How do you eat an elephant? One bite at a time.” The same is true for writing. You finish a book, one step at a time. But to create these steps, you first have to break down your book into manageable, bite-size pieces. This can be accomplished by creating a TOC (table of contents) that can guide you through the book. My reasoning behind this is as follows: You’d never think of driving from California to New York without a map, right? Well, how can you expect to finish your book without one? Your TOC is your roadmap, guiding you through your book. If your chapters don’t have individual headings, then write a 2-3 sentence description of what the chapter encompasses. Don’t get too elaborate on this. Remember, it’s not going in your book; it’s just a brief descriptor. Once the TOC is outlined, you’ll have a vision of your book from start to finish.
A few things that creating this TOC will do for you: It will show you any gaps in your story that might need to be fleshed out, and it will give you a sense of completion, of seeing the book or project actually done, and this is a serious psychological turn-on for most authors, because we often live in a world of half-completed projects. Sometimes this step alone can propel an author enough to get their book done, or at the very least give it a darned good kick-start.
Once you’ve developed your TOC, you’ll want to go through it and create a “to do” list. Regardless of what genre your book is, you will always have a to-do list. Whether it’s getting endorsements, doing research, or getting approvals for quotes or excerpts for your book, this to-do list will become yet another item that will help propel your book toward completion.
Once the to-do list is done, set it aside. Now you should have your completed TOC with a vision of the entire book and a growing list of items that will need to be handled for the book to get done. Now the real fun begins.
Some books on writing will tell you to set aside a day or two a week, or an evening here and there to get your book completed. I disagree with this theory, and here’s why: You need to stay dialed into your topic. When I was working on an upcoming book, I would often put the project aside for days or weeks at a time, promising myself to schedule time “as soon as I could.” Well, that rarely happened. What I found is that if I set aside some time every day to do something on the book, I got it completed a lot quicker.
The more you keep your hands in your project, the more it will stay at the front of your mind and on your radar screen, and the more energy you will invest to finish it. I won’t tell you to set aside hours of your time each day — in fact, you don’t even have to set aside an hour. Take 15 minutes, or even five — whatever your schedule permits. If this seems like a ridiculously short amount of time, consider this: You now have your to-do list and your outlined TOC! . If you are short on time one day, pick a quickie item from your to-do list and get it done. If you have more time, then pound out a chapter or two. The idea behind creating the to-do lists and a TOC is to not only give your project a structure, but to also eliminate any and all excuses for getting it done. Don’t feel like writing today? No problem. There’s probably a mountain of research just waiting to be traversed. Get the picture?
But let’s say you can’t even get through the TOC. “My book has too many layers,” you lament. “Too many back stories, tons of stuff going on. I can’t possibly be expected to filter it down into a neat little TOC.” Yes, you can, and you must. If your book has no focus, your book will have no focus. It’s as simple as that. But it doesn’t stop there — if your book is all over the place and you do actually manage to get it done, you’ll never be able to keep a reader interested because you will be the only one who will get it, and what’s the point of that? What you’ll need to do in this case is find the “core” of your book or the focus of your story. Ask yourself this: What’s the one thing this book cannot do without? What’s the one thing this story circles around? That’s your core. If you’re still coming up with three or four things that your story circles around, you aren’t focused enough and neither is your book. Find that one thing and build your story or book around it.
If you follow these steps, your book will get finished quicker than you could have ever imagined. And the once-dreaded writer’s block will go from a stumbling block to a building block.
5 Steps To Maximum Productivity
Do you know that you get 80% of your results from just 20% of your time and effort and consequently 80% of your time is virtually wasted on non productive activities?. Once you realize this it is easy to take advantage and either reduce the hours you work or significantly improve your productivity.
The 80-20 rule was first discovered by Italian economist Vilfredo Pareto a hundred years ago. Using this knowledge is incredibly powerful in combating the “not enough hours in the day” mentality of today’s society.
The 80-20 rule means that in any area of our lives, literally 80 percent of our fruits are derived from only 20 percent of doing “what matters”. In other words, there is only a very small portion of all that we do each day, regardless of the situation, that brings us the “higher return”.
How can you benefit from being aware of this principle? Implementing a strategy based on the 80-20 rule can result in greater wealth and greater leisure time? Just imagine how productive you will be if 80% of your time could be spent on productive activities. You have to realise that the things that matters most should never be at the mercy of activities that matter least.
Here are 5 Steps to maximumise your productivity:
1) Keep a work log for at least a week
Write down all of your activities and the time spent doing them. I appreciate this is time consuming initially but it is essential you get a true picture of your working week.
2) Analyse your activities
Separate your activities into high priority – those that produce a return or where only you have the skills to do the work – and low priority – activities others can do where the activity can be delegated to support staff. You will almost certainly find that you are spending most of your time on low-priority activities rather than activities directly providing a return. In almost all businesses these non productive activities tend to absorb time at a far greater rate than they should.
3) Delegate non productive activities
Once you can identify the low priority activities delegate as many as possible to support staff providing training where required. If necessary employ an additional member of staff to take responsibilities – the cost will be more than offset by your improved productivity. There may be a number of low priority activities you are tempted to keep. Unless it is absolutely unavoidable don’t be tempted and don’t get involved in non productive activities or your productivity will fall.
4) Calculate the time required for any remaining low priority activities
Once you have delegated all that you can, your next step is to calculate how much time you should be spending on the remaining low priority activities to make maximum use of your productive time. Do not work disproportionately hard at these low priority activities and set aside specific time each day or week to complete them.
5) Prioritise your remaining activities
Once you have cleared out the activities that do not bring you any return, it is time to turn your attention to the activities in your life that are bringing the most reward. Prioritise your activities and concentrate most of your time just on a few high-priority activities.
The objective throughout is to maximize your results from the areas of high return and to delegate those activities that have a low return. Having to spend a disproportionate amount of time on non productive activities is a major source of stress for many businessmen. Delegating these activities will therefore have the added benefit of reducing the stress you are under. It is all about doing less work for greater return.
For more success in life, whether that is more money, more time with your family or just making time for golf you should start implementing the 80-20 rule immediately. It will help your career as well as your personal life and, as a bonus, following the 80-20 rule day in and day out can make you very wealthy over the long term.
Download free internet TV
Now people can download video clip and movie for free from a handful of internet site. Downloadable television has made our dreams come true as consumer becomes more accustomed to watch a show when ever they choose, pausing at will and fast tracking through commercial turning in to a station at a scheduled broadcast time seems quaint at best.
On can easily download free internet TV and can enjoy access to time shifted television content. Free internet TV allows you to get connected to the 100’s of online channels from all over the world of different language and culture which the whole world under one roof.
The free internet TV is brought to you by the internet broadband so there is no need of TV tuner card. You can enjoy your shows and movies in regular or in full screen mode according to your choice.
Download free internet TV allows you to recollect all the serials which have been missed out by you. You can enjoy your serials and shows at you requested time according to your time schedule and your preference
Internet TV gives you clear audio and video as it directly comes form internet connection. One can save their money with free downloaded internet TV as no monthly cable charges has to pay to anyone.
Numbers of online sites provide to free download internet TV. There is no need to pay registration and any other charges it’s all for free and only free. So start here to enjoy all your favorite shoes and television shows fro free and good thing is that in your time schedule isn’t some thing great for our entertainment.
Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Internet TV.
3 Easy Ways To Make More Money This Year
Successful business owners all have one thing in common, they are never satisfied with sales levels. Whether you are making $10,000 a year or $1 million a year, there is always a possibility for growth.
Growth only comes when you realize it can happen. You will not grow if you are content or can’t see the future possibilities for growth.
Here are three easy ways that you can transform your business from the level it is at, into a profit making machine.
1. Always track statistics
This may seem obvious, but most people never do it. You should always track and gather as much information as possible. Track walk in customers, track purchases, evaulate marketing, monitor amount of purchases, frequent vistiors, non-buying prospects, etc.
With this knowledge you will be more informed as to how you marketing dollars are doing and where you can increase production.
2. Find people you can trust
For my websites I have one person that writes nearly full time for me. I can send her topics for articles or websites, and she does the research and writes well thought out articles. I can pay her in advance and know that she is going to be there when I need writing at the last minute.
You definitely need people you can trust as well. These people may be your managers, family members, or just friends who can help in a pinch.
3. Develop your passion
Sometimes I need to take a drive through the country to remember why I love what I am doing. It is easy to get caught up in the fray of customer service and deadlines, but for me the most productive time is always when I am out of my business element. Use this time away to revive your passion.
Next time you are thinking that it is not possible for your business to make money, remember and put these 3 easy tips into practice!
