Global Digital Store – Ebooks and Softwares

Tag: Advice

  • A Healthy Dose of Medicine for the Soul

    [ad_1]

    A large segment of the human population takes things way too seriously for their own good. The strange anomaly is that most people laugh at the wrong thing and fail to laugh at the right thing. This serious incongruity has robbed people of a healthy attitude towards life in general.

    Those who take life too seriously are in danger of missing the great joys of living in a crazy world like ours. I am not sure about the scientific research but I would guess that for every sad moment it takes one hundred laughs to balance the books. Some people are about ninety-nine laughs short of a real sane moment.

    I like the old English proverb that says, “Laugh and the whole world laughs with you, cry and you cry alone.”

    From my perspective, if you cannot laugh with someone you will not be able to cry with him or her and have it mean anything.

    According to some medical advice, it takes more facial muscles and energy to frown than it does to smile. Of course, the only exercise some people have is frowning and who am I to take that away from them.

    I am determined, no matter what, to exercise my right to smile and laugh and enjoy the world around me. I must confess that I get this attitude quite honestly.

    My paternal grandfather was a Past Master in the area of practical jokes. No amount of time was too much to spend preparing for one of his famous practical jokes. His favorite holiday was April 1 and began preparing for this holiday right after Christmas.

    The fact that his practical jokes at times got him into trouble did not seem to affect him at all.

    Once while in the hospital for an extended period he had somebody smuggle in to him a can of snuff. For some reason he liked chewing snuff. It is the most disgusting habit I know of on earth.

    He no sooner received his smuggled goods then he began chewing it. If you know anything about chewing snuff, you know it is accompanied by a lot of spitting. As usual, his timing was impeccable. Just as the head nurse passed his door and looked in, he leaned over and spit in to the garbage can he had next to his bed. The nurse, not knowing about the chewing snuff, thought he was spitting blood and immediately went into emergency mode. Immediately my grandfather was rushed into the operating room and the surgeon and medical team were assembled.

    My grandfather was very sick at the time. Some did not think he would get out of the hospital.

    Just as they got him situated in the operating room he pulled from under his sheet his can of chewing snuff and smiled at them. The only person in the room that thought this was in any way amusing was my grandfather. The doctors were so angry with him that they refused to see him for three days and confiscated his can of chewing snuff.

    My aunt and uncle lived right next to my grandfather. My aunt was hyper clean when it came to her house. Dirt in any form was not welcome under her roof. She had a broom that was always within reach because she never knew when a piece of dirt would try to invade her domicile.

    That year my grandfather found something new. I am not sure where he found it but he probably spent a lot of time looking for something like this. It was a rubber facsimile of a very nasty looking piece of vomit. To him it was a prized possession.

    Most of his practical jokes were executed on April 1. Whenever we saw grandfather coming on this particular day we usually ran for cover.

    He went over to visit my aunt and was sitting on the couch in the living room. They chatted for a little while and then my grandfather began to cough a little bit. He said to my aunt, “I haven’t been feeling good lately. I really don’t know what it is.” Then he started to cough a little more seriously, to which, my aunt got up and went to the kitchen to get him a glass of water thinking that might help him.

    When she got back, she was shocked to see on her new coffee table a very horrible sight. My grandfather was bent over the coffee table hacking and coughing as though he was in the process of dying. On the coffee table was a very nasty looking piece of vomit.

    My aunt went into hysterics. She whirled around and within a moment had grabbed her broom and started towards my grandfather. My grandfather was laughing but not for long.

    Suddenly he realized that the flailing broom in my aunt’s hand was aimed at him. She chased him out of the house, down the driveway and for at least three blocks yelling obscenities at him that I dare not repeat in public society.

    Laughter is the fresh air of the soul. Even the Bible thinks so.

    “A merry heart maketh a cheerful countenance: but by sorrow of the heart the spirit is broken” (Proverbs 15:13). And, my favorite, “A merry heart doeth good like a medicine: but a broken spirit drieth the bones” (Proverbs 17:22).

    I recommend a healthy dose of medicine for your soul.

    [ad_2]

    Source by James Snyder

    Views: 0

  • Your Doctor Says It's Carpal Tunnel Syndrome, Now What?

    [ad_1]

    Hopefully you've been heeding my advice and you've gone to see your doctor about your hand pain. I'm going to guess that if he told you that he thinks you have carpal tunnel syndrome, he probably gave you a brace (or splint) and told you to come see him in a month. Hopefully he has referred you to a hand therapist or hand surgeon, and now you're just waiting to see what happens next. Don't panic. Once you understand what's involved, I think you'll feel a lot better.

    So, let's talk about that. What IS next?

    First of all, let's talk about what carpal tunnel syndrome really involves. Because if there is something that I've learned over the years, it's that people don't get a good explanation of what is really going on inside their hand. And as I always say, knowledge is power.

    Your "carpal tunnel" is a space in the base of your palm that is formed by several wrist bones and a thick ligament. Imagine it like this: Make an "O" shape between your thumb and your index finger. Now, hold your arm in a way that forces your palm to be facing the ceiling. The bottom half of the circle is a group of bones. The top half of the circle is a ligament. You've just created a mock-up carpal tunnel.

    Through that "tunnel", you have several tendons (that make your fingers bend) and one very important nerve that operates your thumb muscles and also gives you sensation to your thumb, index, middle, and part of your ring finger. Over time, if those tendons swell, they will crush the nerve against the wall (which is the ligament we talked about earlier) and that pinches the nerve, forcing it to stop working well. Usually, your first symptom is numbness or tingling, then hand pain at night, and eventually you start dropping things because your thumb is getting weaker (and you can't feel properly).

    This information is good to have so that you understand WHY the doctor wants you to wear a splint. See, when you bend your wrist in either direction, you pinch the (already irritated) tunnel more, which cuts off the nerve supply and makes your symptoms worse. The purpose of the splint is to keep your wrist "straight" so that the tunnel is as open as possible. Sometimes a splint is all you need to completely recover. Problem solved!

    Go ahead and make that "O" again with your thumb and index finger. Now leave a slight gap where your fingers should be touching. When a surgeon performs a carpal tunnel release, he is simply cutting that ligament in half so that it relieves the pressure that has been squishing the nerve. He does not remove anything. He just opens up the space so that your nerve can "breathe" again. Easy peasy! You will usually have to take it easy for a few weeks, and maybe spend another few in therapy, but after that, you are as good as new!

    See? That's not so bad.

    [ad_2]

    Source by Aleks Dukinas

    Views: 0

  • How to Collect and Invest In One Dollar Bills Using Serial Numbers

    [ad_1]

    A one dollar bill may not seem like a lot of money, but some are rare and can become part of an investment. The key to knowing if a dollar bill is worth more than face value is to examine the serial number. Serial numbers are a combination of a letter, eight numbers and another letter at the end. You can find them easily because they are printed in green and are located twice on each bill. One is close to the bottom left of George Washington’s portrait and the other is located at the top right of his portrait. Combinations of serial numbers are keys to determining the rarity and investment value of a bill.

    The first letter runs from “A” to “L”. These 12 letters are codes for the cities where they were printed. The last letter indicates the number of times that the Bureau of Engraving and Printing used the sequence of serial numbers. So, “A” means that the serial number has run only one time. “B” indicates a second time and “C” is the third. The number of letters goes through the 26-letter alphabet.

    Between the letters are eight numbers representing how many one dollar bills were printed in one year. The first one printed will be “00000001”. The last is “32000000”. The lower or higher the numbers, the more they’re worth as investments. For example, a bill with a low number like 00000095, or one with a high number 32000022 can fetch between $25 to $100.

    Also, a specific combination of numbers can add value. If you have only two numbers in the set, like “2” and “4”, such as 22424442. This number is worth a little more than face value. But, if you have a repeating pattern, like, 24242424, or 24224224, your investment just increased by about $1,000. This special combo is called a “binary bill.”

    You might also get a set using three numbers, such as “2”, “4”, and “7”, you can have them in no special order, such as:27244727, or 59577975 Of course, if they follow a repeating order, they are worth more. You must know that a two number combination will be more valuable than the three number combination. These are called “trinary bills,” which could only fetch $3 or $5.

    Another type is called a “ladder,” which is a direct count from 1 to 8: 12345678 or, backwards: 87654321.

    A “radar” bill reads the same numbers backwards and forwards, like a mirror: 14622641. A “super radar” bill only includes two numbers, with the same one only at the beginning and end: 59999995. Radars can fetch about $25, while super radars might be worth about $70.

    Two or more separate bills with consecutive serial numbers, like 25348793 and 25348794, are two bills printed one after the other.

    “Doubles” occur when you have two of the same numbers: 33774499. A “double quad” is two sets of four of the same number: 33335555. Even a bill with one number repeated eight times: 44444444 might bring $500.

    You can also find a “star note.” If you see a star at the end of a serial number, it means that it’s a replacement bill for one with the same serial number that was damaged.

    Special combinations of serial numbers from one dollar bills vary in value, from just a few dollars to a few thousand. My advice is to go to your bank and ask for a one-dollar “strap” which is a pack of 100 one dollar bills. Go through them and see what patterns of serial numbers you can find. Sometimes, a fresh new pack of one dollar bills will come to a bank straight from the Bureau of Engraving and Printing. So you might have a good chance of finding consecutive bills, which could possibly earn you a few more dollars if you sold them to a collector. Just remember that any bill with a special serial number is a rare item. Now, you have a good reason to check the dollar bills in your pocket or purse.

    [ad_2]

    Source by Harrington A Lackey

    Views: 0

  • Book Summary: The Millionaire Messenger: Make a Difference and a Fortune Sharing by Brendon Burchard

    [ad_1]

    I read this book sitting in a Thai food restaurant on the Oregon coast. The food was outstanding and what was very interesting was the fact that at the cash register there was a book and DVD set talking about going to college for free. The author was a young guy who graduated from Harvard. The whole book series was designed to show college students and parents how to find money to pay for college. Come to find out the author was the restaurant owner’s son. This is a classic example of the Millionaire Messenger in action.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your life. The best way to financial freedom is through a business. Now most people cannot simply quit their jobs and to start a new business. Typically you need to work your job and your new business until you have enough sustainable revenue to take your business full time. The Expert Industry is a caring community of people who share their advice and knowledge with the world and get paid for it.

    You may be thinking I am not an expert in anything. This mindset has everything to do with Self-Esteem & Self-Confidence. Brendon addresses these concerns in the book. Think about this – every person has a unique finger print and unique life experiences. Those experiences with additional research can yield you an expert.

    I want to start with a potential example of being an expert in something. I have a good friend of mine that has been doing cement work for over 20 years. He does this with his four brothers. He does not think of himself as an expert. Have you ever considered how successful Home Depot is as business? They cater to the do it yourself community. My friend could simply film different cement jobs and sell them as a do it yourself venture. It would look like this:

    1. Create simple how to videos on the basics and give them away for free.

    2. Create a deeper video series on how to do a full patio, sidewalk or stairs and sell it with a checklist manual.

    3. Offer paid for consulting for job layouts with customers.

    4. Take high priced large concrete jobs that are above the do it yourself community and name your price.

    This is a simple example of releasing 100 years of combined cement expertise that could easily be parlayed into a seven figure business model.

    The Millionaire Messenger is packed with great how to advice. For the sake of time, I am going to chat about the 9 reasons you should consider unlocking your knowledge and passion in the expert business.

    1. Your work is based entirely on your passion and knowledge. This is really important because it no longer seems like work when you wake up each morning doing what you love.

    2. Relating and Creating – Your work activities center around gaining trust and relating to your audience as well as creating useful content that add real value to their lives.

    3. Anytime / Anywhere – Creating information how to products allows you the comfort of working on your schedule from anywhere. I can tell you from personal experience that setting up your business to do this one great step toward personal freedom.

    4. Work with who you want – This is a big deal because stress statistics show that stress related illness is interconnected with who you work with or bad working relationships in general.

    5. Promotions based on promos – The amount of money you make is directly related to the promotional efforts you put into marketing your content. This is all up to you and your work ethic.

    6. Pay equals value – This is the strongest and most relevant point in the book. If you deliver great value, people will pay you for it and you can decide what to charge. You are not trading hours of your life for dollars.

    7. Small Teams – You do not need a big team to do this. You can outsource several of these steps so that your payroll does not spiral out of control. There are information marketers that make millions of dollars a year with very little staff.

    8. Tools are cheap – Technology today really is cheap. There are so many excellent software packages that are free that you can craft your whole infrastructure for next to nothing.

    9. Financial Income can beat that of other industries. There are six ways to market your stuff and each has a different price point. The best business models are summed up in one phrase – “one to many”. Creating something once and selling it over and over is the true key to unlocking the wealth puzzle.

    The Millionaire Messenger is a good book that will give you the direction you need and the questions required to get you on the path to personal wealth and freedom.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is one to many. When crafting your business model or tweaking an existing model, remember to leverage the power of “one to many.” In our software business, we create a software module once and sell it many times. This is how Microsoft and Oracle generate billions of dollars each year.

    [ad_2]

    Source by Joe Mosed

    Views: 0

  • The 7-Point Trading Plan Template

    [ad_1]

    One of the first things beginning traders are told to do is to create a trading plan that will spell out a trading strategy and a list of rules to follow in implementing that strategy. The only problem with that advice is that beginning traders don’t really have any trading experience, and thus are lost when attempting to craft a trading plan for their trading.

    Another problem with trading plans is that beginners are instructed to treat their plans as gospel and are told not to deviate from them. This prevents traders from adapting their strategies and rules to improve their performance, an essential step in every trader’s learning curve.

    Instead of a rigid document to be created early on in your trading career and never to be changed, you should instead view your trading plan as a living and breathing set of guidelines, capable of being modified as you gain trading experience. This article will teach you how to create a trading plan that will guide your trading efforts without stunting your progress.

    The 7-Point Trading Plan Template

    In creating your trading plan, here are the items you should include:

    1. Markets – What markets will you focus on? Be as specific as possible – if you’re trading stocks, what types of stocks will you concentrate on?

    2. Timeframe – How long will you hold your positions for? Will you be a day trader focusing on trades lasting a few minutes, or a swing trader holding trades for a few days?

    3. Time Period – What times of the day will you trade? You may have outside responsibilities that prevent you from trading an entire trading day. Pick which times of the day best suit your style.

    4. Trading Style – How would you characterize your trading style? Perhaps you are a momentum trader focusing on trending stocks? Or maybe you specialize in a particular sector? Again, this can and will change as you gain experience and learn from your results.

    5. Risk Management Rules – This is an absolutely essential and often overlooked component of your trading plan. How will you manage your risk, both on a per-trade basis and overall? You should have a “stop trading” point which is a fixed dollar amount that will force you to stop trading if you’re down by that much.

    6. Mentor – Who do you follow and learn from as a teacher? Attempting to learn trading all by yourself is not only lonely, but foolish as it ignores the hard-earned wisdom of other traders. You can either repeat the mistakes of other professionals and hope to eventually learn the lessons and techniques that they’ve learned, or you can simply learn from successful traders and bypass those initial frustrations.

    7. Learning Process – How will you structure your learning process as a trader? What steps will you take to ensure you’re always getting better? How will you structure your trading journal?

    Trading Plan Example

    To show you this trading plan template in action, I’m going to fill it out according to my own trading style:

    1. I trade the U.S. stock markets, focusing on volatile stocks with sufficient volume. These stocks are typically the focus of news items and are thus “in play.”

    2. I am a day trader and hold my positions anywhere from a few seconds to a few hours. I’m primarily a scalper and am looking to take advantage of short-term imbalances between supply and demand. I will stay in a trade as long as I can identify a supply/demand imbalance.

    3. I trade throughout the trading day, although I focus most of my activity at the open and close of the trading day.

    4. While I have multiple styles, I would characterize myself primarily as a momentum trader that relies on tape reading to identify favorable risk/reward situations to enter in the direction of a trend.

    5. I’m fanatical about managing my risk, both on a per-trade basis and overall. Every trade I enter has a predefined stop-loss and I have a daily stop-loss to stop trading when I’m having a rough day.

    6. I’ve had a variety of mentors throughout my career, and now I talk with a select group of traders at my firm with similar trading styles.

    7. I review every single trade I make, always looking for ways in which I can improve. This may be as simple as cutting down my risk when trading certain stocks or altering my execution patterns.

    Your trading plan can be as simple as that, just a series of statements answering those 7 questions. You also shouldn’t spend too much time creating your trading plan as it will frequently change throughout your career.

    Summary

    Your trading plan will crystallize exactly what you’re trying to accomplish, but don’t view it as set in stone. Rather, your plan will grow and change as you gain experience and develop your own trading style.

    Your trading plan also doesn’t need to be a complicated document spanning multiple pages. You simply need to define what markets you’re going to trade, how you’re going to trade them (how long you’ll hold positions, what times of day you’re going to trade, and your trading style), how you’re going to manage your risk, and how you’re going to continue developing as a trader. By clarifying and explicitly stating those 7 key points, your trading plan will serve and support you in your trading career.

    [ad_2]

    Source by Matt A Nadell

    Views: 0

  • Ten Ways to Strengthen Your Reading Habit

    [ad_1]

    Most people wish they read more. It is an activity that is both fun and enlightening. It can help us be more knowledgeable and successful. However, it is an activity that many people don’t engage in very much. According to the 1999 National Household Education Survey, 50% of the U.S. population aged 25 and over read a newspaper at least once a week, read one or more magazines regularly, and had read a book in the past 6 months. What does this mean? It means that 50% of the population hasn’t read a book in the last six months! Looking at the other end of the spectrum, research shows that if you read ten books a year, you are in the top few percent of all people as readers. Simply stated, it doesn’t take much to be well read, but we do need to know how to get started. The following are ten suggestions to help you strengthen your reading habit – ways to find and make more time for reading. 1. Always have a book around. Don’t go anywhere without reading material. Keep magazines or short stories in your bathroom. Always have something in your briefcase to read. Keep a book(s) by your bed. Having things available makes it easier for you to steal otherwise lost moments. 2. Set a reading goal. Determine how much time you want to spend reading, or how many books you want to read over time. Your goal might be a book a month, one per week, or it might be to read 30 minutes a day. Start out with something attainable but still a stretch. As your habit builds, you might set higher goals. Setting a goal is the first step towards reading more. 3. Keep a log. Keep a list of the books you have read, or keep track of how much time you read each day. You might keep these lists in your journal or your day planner. My son’s log is on our refrigerator. My list and log are kept on my computer. It doesn’t matter where you keep it, just do it. 4. Keep a list. Make a list of things you want to read in the future. Ask your friends and colleagues what they are reading. Watch for recommendations in the newspaper and magazines. Once you start looking for good books, you’ll find them everywhere. This is a great way to keep your enthusiasm up. By knowing what great stuff you want to read, you will reinforce your reading habit. 5. Turn off the television. Many people say they just don’t have enough time. Television is one of our major time consumers. Make your television watching more conscious and less habitual. There is nothing wrong with watching television shows you really enjoy. Where the time gets lost is turning it on, and scanning to find “something to watch.” Those are the times to turn it off and pick up your book! 6. Listen when you can’t read. Use your commute and other time spent in the car to listen! There are great audio versions of all sorts of books. Whether you want to “read” fiction, the latest self-help or diet book, it is probably available on tape. Don’t get locked into the idea that you have to read it – listening to the book still gives you the experience, ideas, and imagination that reading a book can. 7. Join a reading group or book club. Reading groups typically meet once a month to discuss a book they have all decided to read. Committing to the group provides a bit more impetus to finish the book, and gives you a great forum for discussion and socialization around the book’s themes. 8. Visit the library or bookstore often. You have your list, right? So you’ll have some ideas of what you are looking for when you walk in. But there is more to be gained by walking through places where books reside than just to make a transaction. Take time to browse! Let your eyes find things of interest. Let serendipity happen. Browsing will feed your mental need to read, and give you plenty of new things to read. 9. Build your own strategy. Decide when reading fits your schedule. Some people read first thing in the morning, some before bed. Some decide to read as they eat their lunch. And there is more to your strategy than just timing. Make your own decisions about reading. It is OK to be reading more than one book at once. It is OK to stop reading something before you finish if it isn’t holding your interest. It is OK to skim the book, getting what you want or need, without reading every page. Determine what works best for you, develop your own beliefs and ideas–then make them work for you. 10. Drop Everything and Read. My son’s fourth grade class has DEAR (Drop Everything and Read) time. When the teacher calls for it, that’s just what they do. They read now. That is my last piece of advice for you. Do it. Just get started. Make it DEAR time. Now.

    [ad_2]

    Source by Kevin Eikenberry

    Views: 0

  • Physical Therapy and Sports Medicine – Know the Differences

    [ad_1]

    It isn’t unusual to use the terms sports medicine and physical therapy interchangeably. However the two aren’t exactly the same things even though you may find yourself the patient of both fields at the same time.

    While compatible, the difference between the two branches of medical discipline is clear. Both are effective for treating injuries, diseases and disorders of the muscle and skeletal systems of the body and both are useful for the prevention of future injury or disease symptom reoccurence. By taking an individual look at both types of medical assistance, you will soon see the differences between physical therapy and sports medicine.

    Let’s take a look at the field of physical therapy first. Unlike sports medicine, physical therapy as a whole is devoted to correcting any injury, disease, or disorder of the bones and muscles that can be treated with non invasive techniques. The focus is to provide patients with relief from pain, improve their muscle, joint, and bone function, while providing techniques the patient can use on their own for additional healing. The primary tools of a therapist are good diagnosing and evaluating skills, knowledge of the musculoskeletal system, and knowledge of which therapy is effective for each situation.

    One large difference between the two is that physical therapy doesn’t only deal with sports related injuries or problems. Physical therapists can choose to specialize in their careers with emphasis on things like pediatrics, geriatrics, and neurology. Other areas of expertise included in physical therapy are sports, cardiovascular sciences, and occupational therapy.

    When you are looking at the differences between these two healing arts you certainly can’t overlook sports medicine. The type of medical discipline is solely used for sports related injuries and disorders. While sports physical therapy techniques are commonly used in addition to sports medicine, sports medicine may involve surgeries, procedures, and medications not used in physical therapy. Sports medicine practitioners also can have specialty fields as well. Orthopedics and skeletal emphasis are common. Advanced study of how long term sporting activities and treating sports related injuries are always a part of this particular discipline.

    Understanding the difference between physical therapy and sports medicine may be key to determining how to best treat your physical problem. While they can and are commonly used together, each one has its own distinct benefit. Your medical care team can further help distinguish the two and point you in the right direction in terms of your health care needs. The important thing is take care of any injury, sports related or not, to ensure your body’s function in the years to come.

    The difference between these two medical approaches is obvious. Although the two are often used together, each one has its own purpose and uses. Your doctor can give you advice on which specialist is right for your needs.

    [ad_2]

    Source by John Groth

    Views: 0

  • How To Calculate Sales Tax In Your Head

    [ad_1]

    If you ever have a basket full of shopping goods and want to get a rough idea of the sales tax you’ll be paying, here’s a guide for how to quickly and accurately estimate your tax bill.

    This depends on the state you are in – some states have rates as low as 0% (no sales tax), all the way up to nearly 10%. You can determine your state’s rate by checking a receipt on a recent purchase. The total sales tax will be displayed and usually falls between 5 and 9%.

    (1) Round your purchase to the nearest ten. If your purchase total is $476.99, round it to $480.

    (2) Know your state tax rate, and round it to the nearest whole number. This can be as low as 5%, or as high as 9%.

    (3) Follow these tricks for estimating your tax and total:

    5%:

    (a) Divide your purchase total by 10, ie: delete the last zero in the total. So $480 becomes $48.

    (b) Now divide by 2. So $48 becomes $24, your approximate sales tax.

    6%:

    Follow the steps for the 5% tax. Now, divide your original amount by 100 (shift the decimal place over by two), so $480 becomes $4.80, or about $5.

    Now add this amount to the 5% sales tax: $24+$5=$29.

    7%:

    Same as 6%, but add the total divided by 100 two times. So $24+$5+$5=$34.

    9%: Divide your total by 10, so $48. Now divide this by 10 again, and subtract: $4.8, or about $5, so $48-$5=$43.

    8%: Follow the same steps as for the 9% sales tax, but subtract twice: $48-$5-$5=$38.

    If you follow these steps, you’ll be able to quickly estimate the tax on any item you’re purchasing.

    Here is another common mental math question: how can you quickly estimate, in your head, a fair tip for your waiter or waitress?

    Most advice says we should give 15-20% tip. Here’s how to quickly estimate the top you give to a server.

    Let’s say your restaurant bill is $53.

    (1) Divide this by 10: $5.30

    (2) Multiply this by 2: $10.60, or about $11.00.

    (3) The halfway point between these 2 is the 15% tip, so in this case, about $8.00.

    (4) The amount in (2) is a more generous 20% tip.

    Pick an amount between (2) and (3) if your service was extra good.

    [ad_2]

    Source by Scott A McKinney

    Views: 0

  • If You Want to Be Rich You Don’t Need Good Grades

    [ad_1]

    Did you parents ever give you the advice that in order to become wealthy they need to study hard, get good grades so they can get a good job? I know I have heard this advice on many occasions from my parents. But the fact is that getting good grades no longer ensures that you will become wealthy. Even many doctors, who are often the ones with the best grades, are now struggling to earn a lot of money. If you want to get rich, without needing good grades, then read on.

    Something that they don’t teach you in school is that you banker never asks for your report card. If you go to your bank and ask for a loan, either for a business, property or some other investment, then your banker is not going to ask for your school report card. Your school report card has very little relevance on whether or not you will become rich. There are many highly educated people who are poor and struggling for money. There are also some very uneducated people who a millionaires and billionaires.

    Schools are developed to train people to look for a job, but this alone will not make you rich. Often it is the educated people with the highest paying jobs that have the most debt and are in the worst spot financially. You don’t need good grades in school to become rich, but you do need a good financial education. A lot of people leave school without the slightest financial education. Many leave deeply in debt from school fees and they spend their entire lives trying to get out of debt.

    Some very simple financial education can save you a lot of time and trouble and can make you rich a lot quicker. In fact someone with a lot of financial education, but not a lot of school smarts, is much more likely to become rich than someone with school smarts but now financial education.

    In school you are more intelligent if you can make finer distinctions. Let me give you an example. If you can distinguish a car from a truck then you have some intelligence. However, if you can distinguish a 1987 Ford Laser from a 1990 Ford Laser then that is a greater distinction. You are able to understand things in finer detail and are therefore more intelligent. In school you will also be taught that there is often more than one meaning to a word. For example, the word pound means many different things. It can mean money, in the form of English currency, it can refer to weight, it can refer to a lost dogs home or it can mean to hit with a force. The one word has multiple meanings.

    In finance, some words have different meanings. Only in finance one meaning will make you poor, and another meaning will make you rich. Neither meaning is right or wrong, just different, but they have very different outcomes.

    One of the most important words you will ever understand in finance is the term asset. Now your banker will tell you an asset is anything you own that is of monetary value. This includes you old golf clubs, your suits and your car. This is one correct meaning of the word asset, but it will make you poor. A better understanding of the word asset is something that generates you an income whether you work or not. To put it simply, if you stop working today an asset will continue to put money into your pocket. A liability is something that takes money out of your pocket whether you work or not.

    A lot of people are poor because they spend their time buying assets that are liabilities. They buy things of monetary value that cost them money to own. A car costs money to own every month. So although, according to the bank’s definition of an asset, they are acquiring an asset, they are becoming poorer. Rich people focus on spending their time and money to acquire assets that generate them income. It is these assets that make them rich, and it is the ability to define the difference between an asset and a liability that makes them financially intelligent.

    [ad_2]

    Source by Ryan Mclean

    Views: 0