A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward.

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

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How to Write a Compelling Tagline Logo

 

Deciding on a tagline can be tough.

In order to make a good one, you need to choose what you want to remember you for.

If you do, you’ll build great brand recognition, which will result in better business performance.

Keep reading for tips on crafting a logo tagline that works.

Tips for Creating the Perfect Logo Tagline
Define What Your Company Does

A tagline is meant to give people a specific image or impression of your company, so the first step is to carefully define what you want that message to be.

Write a short description of what your company provides and what makes you different. It could be a full paragraph or just a few short sentences. It does not matter how long it is, as long as it accurately describes your business.

This will be the base for your logo tagline.

Cut it Down

After you have an idea of ​​the message you want to send your chunks out of it.

A logo tagline needs to be short, succinct and to the point. If it’s too long, people will not bother to read it and you’ll lose them. If that’s the case, it will not have any positive impact.

Take the description you wrote in the previous step and identify any unnecessary information. If it’s not important, cut it out. Ideally, you’ll be left with the end of the stage.

Cut it Down Even Further

While a sentence will seem very short in comparison to what you started out with, it’s still too long for a tagline.

Think about the most famous taglines in the world, like Apple’s’ think different ‘or Mcdonalds” I’m loving it ‘. The fact that they’re just a few words is so popular. It makes them easy to remember.

Yours needs to follow suit. See how short you can make it while still being informative.

You do not need to sell your product or service in a logo tagline, only grab people’s attention and give them something to remember.

Craft Your Logo Around It

Once you’ve come up with the perfect tagline, you need to find a way to integrate it into your logo design.

You do not need to pay for your graphic designers. There are plenty of ways you can create DIY logos online. When you do it this way, you save money to keep in line with your financial goals and have complete control over what your logo looks like.

Only you know the true identity of your business, so it’s just right that you have the creative control over the branding, and that includes the logo and tagline.

Keep It Simple
The tagline you decide on will be displayed on websites, signage, promotional products, business cards, and maybe even uniforms. Keep this in mind when designing it.

Make it short, sweet and straight to the point.

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Everything You Need to Know to Care for Your Leather Furniture

 

If you have gorgeous leather furniture, you need to know how to care for it and make the most of your space. This guide has you covered. Get what you need here.
You’ve bought saddle soap. You follow the directions. You’ve cleaned the entirety of your brand new leather chair with care and love. You stand back. You watch the leather dry. Your gorgeous leather couch turns black and begins to crack. You begin to panic. You wake up.

Good thing that was a dream. Ekornes stressless furniture home yet.

But it’s time to get to work finding out how to care for your leather furniture properly.

No Saddle Soap
You dreamed about saddle soap for a reason. You might have used it on your leather boots, but that’s not for your couch.

Really, you want to avoid most soap on your leather furniture. If you try to use even watered down dishwashing soap, it will remove the color from your leather.

Do not Let It Sit
Even if you never spill a drop of anything on your furniture, it will get dusty and dirty. It will also eventually crack and fade. While you can get your leather furniture to last as long as 3 fabric sofas, it still needs to be conditioned and cared for.

This is why you should dust and vacuum the furniture daily. It’s not going to look very sharp if you let dust accumulate. Get a large duster. There are bound to be some hard to reach spots on your furniture.

If you continue to dust your furniture often, you will avoid dust working its way into the cracks. This will make it less likely for your leather to break up.

Get a vacuum with a hose attachment so you can pick up those crumbs in the crevices. With constant pressure, those crumbs will tear into your leather. Even micro-tears will deteriorate your leather eventually.

Get It Covered
Do you own cats? Cats and kids. Those are the two worst things for leather furniture. Cats need to scratch (for many reasons we will not go into here). If you are not going to get rid of your cat, cover your leather furniture. And get a cat tower for them to scratch on.

Just once. That’s all it takes to ruin a piece of leather furniture. You can not repair the scratches your cat makes.

Get On Those Stains
Stains. Kids leave stains. Heck, you might even leave stains. If you are not going to cover your furniture, you need to be vigilant. Like a hawk. Because as soon as that ketchup comes into contact with that leather, you need to pounce.

If you do not clean up a stain immediately, it might be too late. Grab a paper towel. Dab the area with the paper towel or even a terry cloth. You need to get it up as quick as possible.

Grease and oil can be taken care of. Use talcum powder or baking power on it. This will absorb the grease and hopefully you will not have a stain.

If it’s an extreme situation, get some upper-end furniture cleaner. Make sure to test it on an inconspicuous spot first.

Conclusion:
You want your leather furniture to last at least half a lifetime if not more. Care for it as if it were your child. It’s truly worth it.

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7 Tricks to Sell Your Fast House

 

So you have decided to sell your home in Houston.

If you’ve done this before, you know that one problem outweighs almost anything else: Sell it quickly.

Maybe you’ve heard that the first 30 days in the market are so important. (Right.) Maybe you have a new job to earn, or you really need cash, or you’re in a hurry to get out of town.

Whatever. What you want to know is, what can you do now to get and keep things moving.

Fortunately, you can do many things.

See Through Buyer’s Eye
You want potential buyers to see your home, not as it is, but because they want to see it. That means giving them a neutral canvas. Decluttered. Depersonalized.

That means giving them a neutral canvas. Decluttered, depersonalized, deodorized, if necessary, and de-critterized, meaning pets are invisible and audible to the ear.

Get knowledge
Finally, your home will be checked. So, give some serious thought to the pre-inspection inspection, conducted by an inspector who meets and complies with industry standards.

By completing it up front, you’ll know what your potential buyers might find in the end (and perhaps arm yourself to deny what their inspectors find).

Most importantly, you will be in a position to decide – in advance – whether and how you want to handle whatever needs to be done.

The price is right
You will get many suggestions on this subject. The price is high, leaving room to negotiate. Low price and direct traffic. It’s like trying to guess the direction of the stock market.

The price is high, leaving room to negotiate. Low price and direct traffic. It’s like trying to guess the direction of the stock market.

Best advice: Price is enough. Do not start with what you want or need to do. Start with a

Start by looking at the market. Is that a buyer’s or a seller’s market?

See what competitors are selling. Consider the type of improvement you want (or need) to create.

Then the price is appropriate.

Invest Wisely
Most likely you have to spend some money for this. Be smart about it.

Some upgrades may be inevitable. Inspection will help you know which one. So is your effort to see your home through the eyes of the buyer.

And a good agent might have some clear opinions.

Whatever you do, do not upgrade too much. You may not see the return.

On the other hand, take the time and spend money to take care of the little things you can manage.

Clean the grout. Fix the dripping faucet. Paint dirty or dirty.

Fix damaged wall or pet visible. Replace the burning bulb.

Shopping Agent
This is another area where you will get lots of advice. And the prospect of keeping the commission for yourself is undoubtedly tempted.

Reject.

A good, well-informed agent gets the commission by taking care of things you can not do, or do not know how, or do not want them organized.

They know the market, the competition, the school and the neighborhood.

They take the right amount and type of photos and know how to use them in an effective marketing campaign.

They handle negotiations and provide information advice on things like performances.

Remember That First Impressions Last
This is called “curb appeal” because that’s what potential buyers will see before they even see the inside of the house. And that will shape their expectations.

That does not mean you have to pay landscape architects. But that means mowing the grass, weeding and trimming hedges, maybe even planting a flower or two.

Stay Flexible
Not just about price, but also all: scheduling open houses and appointments, discussing the future, setting vacancies and dwelling dates.

Remember that this is a negotiation, not a zero-sum game. In the best of results, everyone gets some – hopefully most – of what they want.

And when you really need to sell quickly, be sure to check out my Houston fast home sale for a solution with the potential to save a lot of time, effort and aggravation.

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How To Get What You Need To Succeed In Your Home Business

We have experience. Just because an internet or marketing company may be new to us, it does not mean the number of beginner “beginners” personally or professionally. It does not mean that we do not have the power to learn what needs to be done to succeed if something of our region can ‘tackle’. Today, we are the sum total of all that we experience. or learn so far in our lives. We must consider every situation or transaction to be a ‘stepping stone’ – an important page in our little black experience book. All experiences may give glory to your glory if we keep an open mind and see the right thing.

We must be aware of the resources we have. We need to know what our assets are and where they are in our heads, so we can get them in whatever circumstances. If we need time to think, we can think about what needs to be done. ‘Thinking on your feet’ becomes an art of experience with the extent to which you gain confidence in your accomplishments.

We must not accept the feeling that we should not do anything because we do not measure it in this position or position! If we really want to do something, we will learn how – we will seek so that we seek its path. We will try something and find something that is not in a certain period. A case that does not work at all is teaching rather than learning to do the right thing.

These are all temperaments in the way we control abnormalities and turn. If we land on our feet, usually because we are really involved in our trade and take it seriously. When a great wave comes, we guide and we have an anxiety design. Actually ‘when the world gives us lemons, we make lemonade’.

Conversely, obstacles may arise and in those times we can not cope. If we have made a mistake, no why, because ‘missed failure’ needs to be done. We can take the pieces and keep them together; so we may refer them in the future if there is an opportunity to show up where we believe and / or know it is a better time to start a home trade than might be in the last resort. Never ‘Go to the Front and Up!’

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5 Unique and Healthy Ways to Solve Cigarette Addiction

5 Unique and Healthy Ways to Solve Cigarette Addiction

You may be smoking, but that does not mean you like being a smoker. Smoking addiction affects many people and many hope that they can drop the habit altogether.

According to a survey of the American Cancer Society, 70% of participants wanted to quit smoking. Quitting smoking can be one of the most challenging things you do, but that does not mean it is not possible.

Overcoming addiction
If you want to quit smoking, there are various things you can do to help get rid of your habits. People have used mental tricks, products, and even medical help to stop their habits.

Are you ready to quit smoking? One of these five methods can help you finally stop forever.

Delay

Are you close to your smoking wish? Instead of taking a smoke break now, just wait a few minutes. It may sound crazy, but a few minutes it can help a lot to stop his wishes.

Spend 5-10 minutes to do something else. Check your e-mail, see social media, or basically do anything to distract yourself from your wishes. After a while and you will not feel the need to smoke again.

Handle Stress Constructively

Smoking and stress almost work together hand in hand. A study from the Pew Research Center shows that many smokers are struggling with stress, and that feeling of stress causes them to ignite more cigarettes.

If you are a stress smoker you need to find a different way to deal with stressful feelings. Some people feel that using stress balls helps them. Others use yoga or meditation to focus and resist desire.

Find a New Routine

Some people like to end lunch with cigarettes or cigarettes, and others need smoke before they sleep. Smokers who fall into the routine may experience problems quitting as part of their daily schedule.

Finding a new routine can help you stop your smoking habit. Replace your scheduled fog pause with a new, satisfying routine.

Instead of having post-lunch smoke, walk quickly to energize yourself for the next half. Consider having snacks instead of smoke before going to bed.

Think Natural Remedies

If you want to quit smoking, the nature of the mother may be helpful. There are various herbal ingredients and other natural things that can help overcome your smoking addiction.

Tartar health benefits cream has been mentioned by naturalists for years, and this can also help you quit smoking. Ginseng has also been known to help combat addiction.

Reward Yourself

Quitting smoking is hard, and even just slowing down your habits is the cause of celebration. Stop coming with various health benefits, but small gifts along the way can make it easier for you to end your smoking addiction.

If you have just left your first day without smoking, treat yourself to sumptuous coffee in the morning. If you’ve been for weeks or months without cigarettes, maybe it’s time you bought a new pair of shoes that interest you.

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4 Fun and Different Team Building Games for 2017

Say it to us: No more boring team building games this year.

2017 will be fun, fun and fun. We know that. We claim it.

You have to claim it too.

After all, are not you bored with fallen beliefs and other team building horror activities? Do not you want a different team-building experience – that does not make you feel angry every time you think about it?

We hear you

That’s why we have compiled a short list of fun games and different team games that are really the furthest thing from lame.

Man vs Zombie
This is a tag game but with zombies.

Initially, one player is randomly selected to become “Original Zombie” (OZ) while the rest plays as human.

After the OZ tag of another player, he turned into a zombie. Zombies must mark humans every 48 hours or they are out of the game.

Humans, on the other hand, can defend themselves with socks and arrows. The game ends when all humans have been marked and turned into zombies or when humans last long enough for all the zombies to starve.

You can use the official Goucher-Style rules or modify them to fit your game. Since 2005, Human vs. Zombies have been played in schools, camps, neighborhoods, libraries, and conventions around the world.

Sumo wrestling
We know. Charlie’s Angels is a long time ago. 2000 to be precise.

But if you ask us about our favorite bit in the movie, not where Drew, Cameron, and Lucy kick everybody’s butts. Yes, they are pretty pretty while doing that and all but our favorite part is where Tim Curry and Billy Murray squares with a sumo fat suit.

As the team building game goes, this one is pretty easy. You only need a few fatty sumo fat suits and an emergency dohyo (ring sumo).

Now, the goal is to grapple with your opponent and force him out of the ring. Oprah friendly talk optional.

There are two teams. A member of each team put him out in a Sumo match. One match is equal to three matches and each match winner receives one point.

The team with the highest score at the end is declared the winner.

Blind Wine / Food Tasting
This one needs a bit of preparation but the end result is worth it.

You need a variety of drinks and food and blindfolds. Tip: Consider food allergies while choosing foods / drinks for this game.

The team that can guess the most items win. You can also increase the difficulty level of this game so the team answers a trivial question before they can move on to the next table or item.

Challenge
This is a Jeopardy style game in which three contestants fight to get a lot of cold and hard cash.

And no, you do not have to clean your encyclopedia for this. Remember, boring is not allowed here so you can relax and have fun.

Like Jeopardy, there are boards with several categories. Each category has a different point value. One of the contestants will choose the category but someone can press the bell to answer it.

Of course, having a quick hand is an advantage but only if you can answer the question correctly. The game goes to the individual with the highest score.

How about you? What is the most fun you have in team building activities? Let us know in his comments.

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4 Added benefits of Using an Airport Taxi Service

4 Added benefits of Using an Airport Taxi Service

Using an airport taxi service has the prospective to supply a number of added benefits over most other varieties of transport, which includes the buses and trains. It really is probably to give one of the most hassle-free and time effective choice for arriving at the intended location. Get a lot more details about Larnaca airport taxi
Listed here are four on the positive aspects of employing an airport taxi service:

 

Saves time

A taxi service can save a great deal of time and avoids the majority of the strain and power required to organise transport soon after leaving the airport terminal. For instance, having a public transportation service there is certainly the further inconvenience of obtaining to wait for the next timed arrival and also getting to carry the luggage for the longer distance. But, hiring a taxi dwelling has the possible to save time having a taxi offered to choose you inside a short period of generating a booking. Also, with the will need to arrive at the airport nicely ahead of your flight time, there is less likelihood of needing to feel so stressed about arriving at your location on time.

Experienced and skilled drivers

Any reliable taxi firm will hire the nicely skilled and specialist drivers. By using the drivers that make the normal airport transfers, the drivers will have a terrific understanding of the quickest routes along with the site visitors patterns for the specific city. This means that travelling using the knowledgeable driver will give a sense of assurance, reliability and safety. Also, they’re extra likely to become punctual in comparison to the bus or train services, so there is a lot significantly less time spent waiting about.

Elevated versatile

In contrast to a regional bus or train service, the taxi can give greater flexibility and it is actually probable to fully customise the service to match the distinct needs. This suggests it really is possible to travel at a preferred time and not must match within the time-frame of public transport. Also, there is certainly no want to produce the normal stops for picking up other members of your public.

Plus, lots of of the taxi organizations possess the capability to offer you a 24/7 service. This means a taxi is easily booked regardless of the time on the day or evening the service is required.

Privacy

A further valuable advantage of using the airport taxi service may be the higher peace and quiet whilst enjoying a private travel encounter. Most types of public transport can have arguing couples, boisterous teenagers or screaming kids, that is fully avoided when travelling inside the comfort of a private taxi.

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Lego’s “Women of NASA” set is already a huge hit

Lego’s “Women of NASA” set is already a huge hit

Sally Ride made history back in 1983, when she became the first American woman to travel into outer space. Now, Ride and three other women who were NASA pioneers are being honored with their own Lego likenesses.

The “Women of NASA” Lego set went on sale this week, and quickly became the top-selling toy on Amazon.

Mae Jemison was the first African-American woman in space. Her figure stands alongside Ride’s next to a Lego version of the space shuttle.

But the toys do not just honor astronauts – astronomer Nancy G. Roman is also depicted. She was NASA’s first female executive and is often credited with being the mother of the Hubble Space Telescope, which transmitted stunning pictures of deep space back to earth.

Computer scientist Margaret Hamilton makes up another figurine in the set. She wrote the software code that helped the Apollo 11 crew land safely on the moon, and last year was awarded the presidential Medal of Freedom.

The women of NASA was originally thought up by science writer Maia Weinstock.

“We want to focus on NASA history,” Weinstock said.

She submitted the plans to Lego in 2016, and the project received the 10,000 votes it needed to proceed in a little more than two weeks.

By shrinking them down to a little more than an inch, Weinstock hopes these womens’ achievements will be magnified.

“You can never have enough that women celebrate women who have been underappreciated in history,” she said.

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Why Select Josh Bartlett’s Easy Video Suite

Easy Video Suite – Top Benefits of Video Marketing

You have so many options in reaching out your target clients online. E-books and videos are among the content-submitting techniques which are considered effective. But there are people who can not resist eye strain from reading on the monitor and thus, they prefer to watch videos. When video marketing is used to deliver information about the products, marketers need to use the software, easy video suite.

Video marketing offers wide array of advantages. Videos are entertaining, clearer and more persuasive. Things are easily explained when there is an accompanying presentation that people will see. Videos are said to have audience appeal.

Watching video presentation is easier and better than reading. A few minutes video presentation is enough to provide a clear overview about the products and the company.

Those who would like to download videos can have it for free. Anybody can watch it over and over again anytime he wants to. With or without the internet connection, videos can be reviewed. The customers will have enough time to go through the video and to decide whether to buy the product or not.

You will also find video marketing advantages since it will not cost you so much money. You only need to hire someone who has the excellent voice quality and a software for video creation. Created videos can be produced and marketed in huge quantity.

With the impact that video marketing creates, it is also guaranteed that you will be able to drive more traffic to your website and dramatically increase sales leads. It is easily shared on social media networks too. If the video is of good quality and has caught attention, people will just share it. There are plenty of video submissions sites where you can post your videos aside from placing it on the website itself.

These are just some of the important notes to consider with video marketing. These are the most important arguments to prove that indeed, video marketing is effective. But these are the best video quality videos to help you produce high quality videos. This is the fundamental reason why choosing a video software is very crucial.

Easy video suite guarantees to help you best in your video marketing effort. The software provides you the convenience to simply record, edit and publish the videos. You can do more. You can optimize the promotion of the videos and keep track of your advertising results. Your video creation tasks becomes hassle free and marketing is easier. The software has helped plenty of online marketers already. Thus, do not fail to empower your video marketing agenda with this latest software, the easy video suite.

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