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I’ve been interested in making money with dividends for a while (in a casual way), but I didn’t really look into the details until recently. I had an idea that by buying stocks that have a good dividend payout, I could receive a monthly income was intriguing. This does work but the drawback is that you have to watch the stocks that pay dividends because the dividend yield can go down. It all depends on the company.
Unfortunately, the more money that you can invest, the more you can make. I have received dividends but my investments are so small that they are not worth claiming and I just reinvest the dividends back into the account. The reason that I have small account is that I am very risk averse, so it is my own fault. I bought some stocks in a Canadian company a few months ago, while they were cheap. The price per share has increased 102% since I bought the stocks. I had an instinct that the value would rise significantly but I didn’t invest enough money. If I was 100% certain (and less risk averse) I would have been willing to borrow as large a sum of money as I could, used it all to buy stocks in the company, sold them today and doubled my money in a matter of months.
The news being circulated in the mainstream news outlets regarding stocks and shares is not always accurate and could lead a person to make bad decisions. It is better to research this subject in a more detailed way with information coming from less mainstream personalities.
The way to generate dividend income is by building a portfolio of high yield dividend stocks that pay out at different times throughout the year, ideally getting a worthwhile income every month. The stocks that you pick should also have a history of raising their dividends regularly. To get a worthwhile monthly check would require a substantial investment. I saw one plan that claimed to return $1000 per month, throughout the year but it required a $50,000 investment and if that accounts for your total savings, then I expect that you would be too risky for most people. According to a 2018 GOBankingRates survey, 58% of Americans had less than $1000 in their savings accounts.
The basic idea of dividend income is sound and you can always start the process in a small way and reinvest the dividends that you receive. It will be a learning experience.
Here are some favorite British foods and sauces that Americans love. I have personally tested these with my American relatives and friends. There are certain items that are loved by all and some that are loved by enough people that they are worth adding to the list.
Some of the items are somewhat expensive, because they have to be imported. Some of the items can be bought in large grocery stores where you will regularly find them on special offer cheaper than you can buy them online.
After 20 years, I can find many goods in the store that are an acceptable substitute for UK foods, such as “ShowBoat” baked beans. These beans are cheap and are a good substitute for Heinz baked beans. Other items are specific to the UK. There is no US substitute for HP sauce, OXO cubes or Bisto. There is no substitute for parsley sauce either, this is a big hit with my US family.
Bisto Gravy Powder. Mix water with the powder as instructed on the packet. Crumble an OXO cube, or 2, depending on the amount of gravy you are making. Simmer in a pan while stirring continuously until it starts to bubble. Remove from heat and serve. If you are cooking meat or chicken, you can add a little of the meat dripping to the gravy mix.
OXO Cubes. These are easy crumble stock cubes that come in a variety of flavors such as beef, chicken, vegetarian. I normally use the beef stock cubes for every type of meal. They can be crumbled into the Bisto gravy mix, or used as an additive to a meat preparation. I always add 2 cubes to 1lbs of ground beef and 3 cubes to 2lbs of ground beef when preparing Shepherd’s Pie.
HP Sauce. This type of sauce is called brown sauce in the UK and it goes well with most pork and beef dishes. It is also good for breakfast with bacon and sausages. It is vaguely similar to A1 steak sauce. If you like A1 you will like HP sauce.
Parsley Sauce. This is a savory cream sauce seasoned with parsley. It is probably the most popular sauce in my circle of family and friends. It has even been given the thumbs up from a Columbian friend. I don’t make it from scratch, I buy Colemans Parsley Sauce mix. You mix it with milk, heat the mix and serve with ham or fish dishes.
Kerrygold Irish Butter. Very popular and it can be found in large grocery stores. It is expensive, and I only buy it when it is on special offer. The specials sometimes bring the price down to the cheapest of domestic butters.
Irish Sausages. Irish sausages are normally made with ground pork, though they are sometimes made with a ground pork and beef mixture. They normally include raw eggs and breadcrumbs. My favorite sausage for breakfast or sausage and mash meals. The drawback is that if you buy them online, they are expensive and I have only found them to be available in stores in places such as New York. An acceptable substitute that I use is to buy the basic breakfast sausage, but they are still a little spicy.
Some Like It, Some Hate It
Branston Pickle. A sweet, spicy chutney, containing chunks of vegetables in a thick brown sauce. It is commonly served as part of a ploughman’s lunch, which is basically crusty bread, butter and chunks of cheese. I like it, but I have found that its popularity is a 50/50 split with American born people. It is an acquired taste I think.
English Mustard. This is a very strong yellow mustard which is vaguely similar to the yellow Chinese mustard found in restaurants. Many people find it too hot. I like it and normally spread it on ham sandwiches to give them a bit of a kick. I tend to buy the powdered mustard because it seems stronger and I can mix a small amount when I need it. The powder lasts longer than the ready mixed variety.
Beans On Toast. I still can’t persuade many American born people that this is a wonderful snack, most people won’t even try it. They associate baked beans with BBQ.
Favorite Meals and Snacks
Naturally, I like fish (Cod) and chips (fries) but I haven’t managed to make it to the UK Fish and Chip Shop standard yet and I can’t get the required standard in restaurants here, they use too much batter, the batter is not crispy enough and they usually don’t use Cod. The chips are not the same either. The chip shop must fry their chips in the same oil as the fish, maybe that’s the difference.
I get most of my items online from Goodwoods British Market. I don’t know if they are the cheapest, but they are reliable and the expiry date on the foods are good. I buy some of the items, such as Kerrygold butter in the grocery store when it is on special offer.
One of the most reccommended self help books ever
The Napoleon Hill Foundation received many requests from people wanting the original, unedited, 1937 copy of Think and Grow Rich. To satisfy those customers the Foundation reproduced Napoleon Hill’s personal copy of the first edition, printed in March of 1937. The book has the notation, not to be loaned, and signed: Annie Lou Hill (the wife of Dr. Hill). This personal copy of Dr. Hill’s was given to me by Dr. Charles W. Johnson, Chairman of the Napoleon Hill Foundation and a nephew of Napoleon Hill. It was Napoleon Hill who sent Dr. Johnson to medical school, and today he is a practicing cardiologist. Charlie refers to Napoleon Hill as Uncle Nap, and will often makes the statement, Uncle Nap would be proud of the Foundation today. The original 1937 manuscript was written and edited with the assistance of Napoleon’s wife. In later years, the existing document was again edited by Dr. Hill. For example, the Foundation owns a 1958 edition that Hill edited personally. This did not lessen the books value in Hill’s judgment. Hill made the editing remarks in his own handwriting and the resulting 1960 edited edition has sold over 100 million copies making it the most read self-help book of all time. Think and Grow Rich sells more copies today than before Dr. Hill died in 1970. Now, a new and authoritative recording of this original, unedited, one-of-a-kind work, authorized by the Napoleon Hill Foundation is available. By purchasing this audio edition, you will be supporting the nonprofit Napoleon Hill Foundation. The entire philosophy of Napoleon Hill is based on the Golden Rule. The Foundation deeply appreciates the support of those of you who only purchase Napoleon Hill authorized books. You can identify these materials by the Foundation Logo and by looking inside for Napoleon Hill copyright.
Garlic is part of the onion family (genus) and is a native plant of Iran and Central Asia. It has a long history of use as a food seasoning/flavoring and traditional medicine.
Garlic is known to have antibacterial properties. Louis Pasteur, the inventor of the pasteurization process, found that garlic was a good antibiotic. Bacillus anthracis, which causes anthrax is said to be very sensitive to garlic. Garlic has been shown to kill bacteria and also protect the body from pathogens ( viruses, bacteria, protozoa, fungi).
The active ingredient in garlic is allicin. Studies have shown that there are two different substances in garlic, alliin and allinase which are both held in separate compartments within the garlic clove. When the clove is crushed, the two substances contact each other and form allicin. The allicin has a short life because it reacts with the proteins surrounding it, but a British scientist, Dr Peter Josling, states that he has found a way to stabilize alicin and has produced consumable allicin capsules and also an allicin anti bacterial gel. Both products seem to have good reviews.
I first came across the product several years ago when I was suffering from a bad case of the flu. I was searching for a natural product to alleviate the symptoms. I bought some capsules and I found that they worked very well for me, they didn’t just get rid of the symptoms, but seemed to kill the flu. Now, I have a supply of capsules at the ready in the medical cabinet. I should take one every day but I normally start taking one capsule per day as soon as I feel the first symptoms of a cold or flu and continue for a couple of days after the symptoms have disappeared. I would like to take one per day, every day because the allicin is believed to have a beneficial effect for many different illnesses, but it is sort of expensive. Of course, garlic ( and I am sure allicin also) keeps the vampires away.
You can do your own research by entering “Allicin C”, “Allicin Gel” and “Peter Josling” into a search engine. You can also check out a website called “Garlic Wise”. I haven’t added any links, I am not affiliated with any of the products, I just found that allicin for me.
Whether you are thinking of starting a hobby, or gaining skills for a business, being able to create wooden furniture is an absorbing and potentially lucrative way to spend your free time. A practical skill is a wonderful thing to develop and working with wood could even be seen as artistic. This skill could set you free from the employment rat race if you want it to, although if you are a beginner, it takes time to develop the skill. Woodworking skills need attention to detail and patience. If you already know that you are a practical person, then you have an excellent chance of developing the skill set fast. If you aren’t sure that you can master the skills……..you will never know unless you try
“Whether you think that you can, or you think that you can’t……..you are right” (quote from Henry Ford).
To help you get started, check out FurnitureCraftPlans
What Is FurnitureCraftPlans All About?
The package contains over 9,000 premium woodworking furniture and
craft plans that you can easily follow at home. These projects
cover a variety of different projects you can work on at home; –
mostly focusing on furniture and small crafts.
It contains all the necessary info which includes drawing out clear
diagrams, accurate dimensions and gave detailed explanations on the
plans design .
We think this is extremely important because we have seen plenty of
free woodworking plans on other sites that are created
Some have inaccurate dimensions, some did not explain what
tools are needed during the woodworking process while some only
provide the diagrams without proper step by step instructions
on how to do it. You know what I mean if you’ve paid for those
lousy woodworking plans in the past.
Well fortunately, these flaws and mistakes are hardly to be seen
The good stuff:
– All materials and tools needed for a project are properly listed.
– Diagrams are clear and with accurate dimensions.
– Photos are also included; nothing was left to the imagination.
– Detailed explanation of plans will guide you from the beginning
to the end.
– Everything is ready to be printed, with proper categorization
Only thing I could complain about is that there are too many plans.
After downloading, you can sometimes feel overwhelmed. But as you
can imagine, it is difficult to go through over 9,000 plans.
My suggestion is to focus on the projects you want to work with first.
As it is categorized, all you need to do is to search and/or go to the
category you want. Eg: I started with a simple birdhouse so I went to
the “outdoor small crafts” section to look for related plans.
I highly recommend this package if you already enjoy working with wood or you are interested in exploring the possibilities. It offers fantastic value for money. The woodworking plans are not complicated, they are straightforward and extremely easy to follow .
Even a complete newbie is able to master the woodworking skills and
techniques within minutes by following the clear and concise
Sometimes you just can’t make it to the gym every time you want to-meetings run late, traffic gets backed up, the car breaks down or something else happens that stops you from getting in your workout. The next time that happens you might want to consider working out at home rather than skipping your training session entirely. Have you not trained at home because you don’t believe you can get a decent workout? Well, think again because you’re dead wrong-you can. At-home workouts, if done with reasonable intensity, can be extremely effective. A good in-the-house workout session can be made even better if you add in a pair of dumbbells.
While depending on your fitness goals, training in the home might not be right for every person all the time, and nothing will ever replace weight lifting for building mass, for even the most dedicated gym rat, working out at home can be a nice break from the routine at the gym once in a while. Plus, it’s always a good idea to keep your muscles guessing by challenging them. There are a few other advantages to working out at home too: you can listen to your favorite music, there’s no waiting for machines, there’s no one to hassle you, no worries about cleaning up after others and you don’t have to drive. It can also be a great way to dodge the inner escape artist every once in a while when you just don’t feel like going to the gym or need a change of pace. If you’ve got kids, at-home workouts can help get them on the right track early on.
The question is though, “Is working out at home effective and can I see results?” The answer is yes! The key though to an effective home exercise program is to include exercises that work three key areas: cardio, strength and flexibility. Even if you don’t have a fully-equipped home gym, there are plenty of exercises you can do using just your bodyweight. Keeping a set of dumbbells around the house can give your in-home workout some teeth and get your muscles pumped. Plus, they don’t take up a lot of space and help in stabilizing and developing muscles that are important to strength, balance, and posture. Some strength training exercises you can do at home using just your bodyweight and dumbbells include:
Chest: Push-ups are great for working the pecs. Vary the spread of your hands to work different parts of the chest. For even more punch, place your feet on a chair or your bed and try some decline push-ups. Do some chest presses with dumbbells lying on the floor and dumbbell flies (flat or incline if you happen to have an adjustable bench at home) to round things out.
Shoulders: Shoulders are little tougher to work out using just your body weight so you’re better off using dumbbells. These are all great exercises that are easy to do in the house: seated press, side raises, front raises, bent-over reverse flies and shoulder shrugs; upright row.
Arms: There are plenty of effective exercises you can do at home to pump up your arms using just a chair and a set of dumbbells. Biceps: Just like at the gym you can do standing or seated bicep curls, concentrated curls, standing or seated alternating curls and hammer curls. Triceps: Doing push-ups with your hands close together is an excellent way to beef up your triceps. Or, sitting on a chair, do some one-arm behind-the-neck extensions with a dumbbell. Using a chair you can also do bent-over kickbacks and lying flat on the floor you can do a couple of variations of triceps extensions using a dumbbell.
Back: For your back, try dumbbell rows, dumbbell dead-lifts and if you’ve got a spot where you can do pull-ups, holding a dumbbell between your ankles will really give you an extra punch.
Legs: There are plenty of exercises you can do in the home to work your legs but add dumbbells and they’ll be even more effective. Here are a few examples: squats with dumbbells, lunges with dumbbells and standing calf raise (holding a dumbbell in one hand).
Adding dumbbells to your out-of-gym or at-home cardio routine can help you make the most of your time. Carry a set of dumbbells with you when you walk, alternating between curls and just carrying them at your side. If you do this though, be careful not to swing your arms around too much, you can injure yourself easily. If you’ve got access to a set of stairs, walk up and down carrying a couple of dumbbells at your side-you’ll get your heart moving in no time.
If you don’t want to skip the gym in favor of an at-home workout but do want to kick your metabolism up a notch while you’re hanging around the house, set aside some times throughout the day to spend a few minutes moving around using dumbbells. A University of Missouri (Columbia) study found that when we spend too much time sitting on our rumps, the body’s fat burning mechanisms slow to a near halt. No surprises there but the study also found that moving around whenever possible can jumpstart the fat burning process again. So instead of just lying around on the sofa for hours at a stretch, get up, pick up the dumbbells and get your ass moving-even if it’s only ten minutes at a time. You’ll burn some extra calories and you’ll do your body good.
Mike Westerdal is the author of “Dumbbell Exercises and Lifting Routines” To Help You Gain More Muscle, Lose Weight, or Just Get Yourself in Better Physical Shape… WITHOUT the Hassles, and Expenses of Health Clubs. Increase Your Muscle Size And Improve Your Physical Fitness In 90 Days – Guaranteed.
Article Source: https://EzineArticles.com/expert/Mike_Westerdal/38915
The best type of Apple Cider Vinegar (ACV) is made from organic apples and is unfiltered, unrefined and contains “the mother”. The mother appears in the ACV as a cloudy weblike substance and it contains beneficial probiotics and enzymes. The mother is thought to be the substance that gives ACV it’s health benefits, and this is why it is important to get ACV that contains “the mother”. You can normally tell if ACV contains “the mother” by it’s cloudy appearance, but manufacturers will also make it clear that their ACV contains “the mother” on the product label, because it is a positive attribute that increases sales to people who are health conscious.
Apple Cider Vinegar contains acetic acid. It is believed that small amounts of acetic acid can help to activate the metabolism and assist the body to use fat as an energy source.
Apple Cider vinegar seems to help a person feel less hungry and when taken before a meal, a person may eat less and feel more satisfied after the meal. Some studies suggest that the ACV causes feelings of nausea and this is why it works as an appetite suppressant. I have been taking ACV for a while and I have never experienced nausea after taking it, so the reaction to ACV is probably unique to each individual.
Studies on mice have found that the mice who were fed a daily dose of ACV had lower blood sugar levels and cholesterol than mice who were not given ACV. There is a connection between blood sugar levels and obesity and it has been found that it is much harder for people to lose weight when they have high blood sugar levels. Do high blood sugar levels cause weight gain?, or does weight gain cause high blood sugar levels?. Studies are still working on this, but if ACV can benefit both, I think that it may “kill two birds with one stone”
A suggested amount is 1-2 tablespoons of ACV in 8 ounces of water 2-3 times a day before meals.
Apple Cider Vinegar can be mixed with cold water, or warm water with honey to sweeten it. You can also use ACV as a dressing on salad, either straight or mixed with olive oil. There are many drink recipes out there that contain ACV, but be careful not to mix it with ingredients that are counterproductive to weight loss.
Apple Cider Vinegar is believed to have many health benefits and weight loss is just one of them. I think that at a minimum, it could be a very good supplement to a diet plan. With all of the other benefits that ACV gives us, I think that it is worth a try.
Apple Cider Vinegar does not look like a quick fix for weight loss, but can be seen as more of a supplement to a diet plan. My advice is to not take too much ACV, moderation in all things is good and too much of a good thing usually leads to counterproductive results.
Is the law of attraction real?. In basic terms, this theory states that if you think about your desire with enough concentration, it will eventually materialize. The subject is interesting and when you research it, a different perspective on life and reality is revealed. Some people believe that everything and everyone is basically made of energy vibrating at different frequencies, like radio waves and quantum physics seems to be heading in the direction of proving this theory. Maybe the alchemists were onto something. If this is true, then the Star Trek replicator could become reality one day. Of course, gold and oil would not be as desirable anymore.
The smallest known particle of matter is the quark, but the theory is that when matter is broken down as far as is possible, what we find is energy vibrating at a certain frequency and it is the speed of vibration that determines what we perceive to be different types of matter. This leads to the law of attraction theory because the energy or force is consciousness and all knowing. Some people call this god, others call it the universal field / consciousness and various other names. The theory is that a person’s thoughts have energy and power and the thoughts are sent out into the universe and must be made material in the end, because they are energy and this energy consciousness cannot determine reality from dream/desire. Many self help books and audio recordings have variations on this theme.
I don’t know whether the theory is correct but it does allow for experimentation. It certainly seems that negative thoughts do have a lot of power, all we need to do is think negatively in a concentrated manner and we get very negative results, and negative thinking comes naturally to most of us, almost as if it has been programmed into us. Many people can’t believe the theory because the concept is alien to everything that they have been taught, their whole lives have been based upon the idea that taking action is the only way to make something happen and action is the only thing required. I believe that positive thought does have a power, but concentrated thought leads to action which leads to materialization of the desire. There are some self help authors who state that thought is the primary force in making a desire materialize and others who state that action is most important. Some “gurus” state that thought /intention on it’s own will materialize your desires. I do know that without at least one or the other, no desire will materialize and it is fair to say that if negative thoughts have power, then positive ones do also.
The early 20th century self help author Napoleon Hill stated that “definiteness of purpose” was his first law of success, and this makes sense, as a person can’t make their desire materialize if they don’t have one. Concentrating on one desire as your definite purpose can, at the very least, go a long way to making it happen, so this seems to be a variation on the thought theory, although he does stress that action must also be taken.
What I have understood so far from research is that in order to manifest your desires, you must….
The theory is that positive energy vibrates on a different and higher frequency than negative energy, and positive energy (your desires, good things etc) will only be attracted to other positive energy………those thoughts sending out a broadcast from your mind.
I’m no “guru”or expert and I am still studying the topic because I find it interesting. I have always wondered if “this” is all there is, “this” being the humdrum, tedious negative environment that most people exist in, so it is a novel concept to find theories that put forward the idea that we are creating this environment by our own thoughts.
Try it out, it certainly won’t do anyone any harm. It can’t do any harm to think in a positive way.
No Equipment Required
If you have limited time or limited motivation to exercise, the following workout routine may be good for you. This post is a suggested method of either getting toned, getting started with weight training or it could be used to keep yourself ticking over until you have more time and energy to get serious about exercise.
Weight training is very intensive and you will feel it either on the day following your training session or two days after the session. Even training with light weights and just using body weight exercises will be draining if the exercises are performed properly.
I have noticed that as I get older, my recovery time increases and It is harder to stay motivated, but age alone should not stop a person. If you have the age issue or just a motivation or time issue try the following routine for a few weeks and see how you feel.
The body can be split into various part from a weight training perspective, these are
Serious bodybuilders split these body parts into further subgroups, but for this routine, it is not necessary. Be aware that you will not look like a competition bodybuilder by using this routine but it will strengthen and tone your muscles and they will increase in size if you eat properly.
Routine using body weight only, no gym required.
Day 1 – Chest, Shoulders and Triceps
Push-ups: 3 sets of as many repetitions as you can complete properly in each set. (chest)
Incline Push-ups: 3 sets of as many repetitions as you can complete. (shoulders)
Dips: 3 sets of as many repetitions as you can complete. (triceps)
Day 2 – Rest/sit ups (abs)
Day 3 – Legs, Back and Biceps
Squats: 3 sets of as many repetitions as you can complete. (legs)
Full Body Drag: 3 sets of as many repetitions as you can complete. (back)
Chin Ups: 3 sets of as many repetitions as you can complete. (biceps)
Day 4 Rest/ Planks (abs)
Day 5/6/7 Rest
This routine requires only one piece of specialized equipment, a pull-up bar. If you feel energetic, you can repeat Day 1 exercises on Day 5 and Day 3 exercises on Day 7, or just follow a day on/ day off pattern. If you feel very stiff after the first week, drop down to two days of rest between each exercise session.
The exercises can be improved by using some equipment such as push-up bars and dumbbells for bicep, tricep and shoulder exercises. An exercise bench is also useful for several different exercises.
The only muscle group that is hard to do without any equipment are the biceps. A simple inexpensive set of dumbbells with a selection of weight plates would make things much easier and the dumbbells can be used for several different body part exercises.
This exercise routine is convenient and inexpensive because you don’t need to spend much time on each session, 15 – 30 minutes and you don’t need to go to a gym to do it.
If you like this exercise routine, you may also want to check out the following links:-
Maybe you have heard of affirmations. The word can conjure up several images in the mind but this post is specifically about self help and self improvement. The dictionary definition of AFFIRMATION is – The action or process of affirming something – A formal declaration by a person who declines to take an oath – Emotional support or encouragement.
This post is going to look at the type of affirmation used to improve or change a person’s thought process. The habit of negative thinking is unproductive and can become a habit, almost an addiction. Positive affirmations can be used to break the habit. The affirmations can be specific to a particular aim, or more general, such as “ I am always happy and contented”. The positive affirmations can be written, spoken or listened to and can be produced by the individual or another person.
Most people have similar aspirations, happiness, wealth, health, happy relationships etc. and so it is easy for one person to create an audio file with multiple affirmations that would be useful to many people. The one important point when using affirmations is to repeat them. Affirmations are also used by many business and sports people to improve performance in whatever field they may be involved in, sales, soccer, MMA, running etc. Sometimes they don’t even know that they are using the technique.
Subliminal affirmations work by bypassing the conscious mind and speak directly to the subconscious. I have found these are very good for changing habitual negative thought processes.The affirmations are usually embedded in music or other sounds and cannot be consciously heard by the listener. This allows the subliminal messages to access the unconscious mind in a powerful way.
Another method is to repeat the affirmations to yourself as as many times as you can throughout the course of the day. The theory is that the repetition will eventually encourage you to believe the message and embed the thought in your mind.
I have heard of people who place Post-It notes with a written affirmation in prominent places throughout their home so that they will read the message frequently every day.
It is the repetition that gets the message across to you. There is software that allows a person to write or create an audio file of positive affirmations that will play in the background on the computer while you are working or browsing. The text and audio is not noticable, it is subliminal and can be very beneficial if you spend a lot of time looking at a computer screen.
It could be seen as brainwashing yourself, (for positive effects of course). Some messages are paired with binaural sound beats for a more powerful effect. Binaural audio can be simply described as 3D hearing, binaural beats are basically two different frequencies,one to the left ear and one to the right.The brain will process the two frequencies and perceive the sound as one new third frequency. There are several frequencies that are said to allow the brain to accomplish things such as relax, concentrate, sleep, meditate etc. The binaural beat is thought to help the brain/mind absorb the message of the affirmation(s).
You can buy affirmation software which allows you to record your affirmations and then play them back to you throughout a session. To test the power of affirmations, there are plenty of free resources on sites such as YouTube, just search for the affirmation that you want and play it.
There is also the theory, mixed in with stuff like quantum physics, belief systems and the like, that suggest we all have the power to create everything that we need and want and that thought itself is the creating force. In general terms, it suggests that everything that exists is energy, or a frequency and that if we concentrate our thoughts on a particular outcome, item, wish and so on that we send out our intentions into the world, and because of this, the desired result must materialize. It is said that this takes a concentrated effort over time. It is also believed that what we think about most will materialize, so it is very dangerous to think negative thoughts all of the time because if this is true, you will ensure that negativity materializes.
Whether you think that this is all hippie nonsense or not, it is more healthy to think positive thoughts than negative, so experiment and see what happens. If you wonder why you see or hear the same advertisement over and over again on every TV commercial break then you may now begin to see why. The same goes for political messages and more. People are attempting to influence us to take a certain course of action by repetition. The same is true of pop songs. The first time that you hear the song, it may sound unremarkable but by the time that you have heard it 50 times in the last 2 days, is begins to “grow” on you and you start to think that it is great, has that ever happened to you????.
Positive things can’t occur without action from the individual. Affirmations and positive intentions that are embedded in the subconscious tend to move a person toward taking actions that will lead to the desired outcome as stated in the affirmation, so there is a more down to earth element to affirmations that may be attractive to people who have no interest in anything other than what their senses convey to them.
As long as you are in control of your affirmations and intentions, and you make sure that they are positive in some way, there can only be 2 outcomes, either nothing or a good outcome. We are exposed to many influences and influencers in the world, some of these may not be too interested in improving us as a person, many just want to sell us something. Why not use these techniques to improve your life.
Many people suffer from fatigue, depression, greater need for sleep and lethargy during the winter months and this could be due to seasonal affective disorder (SAD). I can relate to a few of these. I have the vague idea that SAD has something to do with lack of sunlight, although the exact cause is still officially unknown. I don’t know whether I can say that I am affected by SAD, but I moved from an area of the country where there is a lot of sunlight to an area with less sun . I also worked outside in the sun frequently until about a year ago. I feel the difference.
I have noticed the lack of sunlight, even in the summer here, so I am going to assume that SAD has a lot to do with the sun and its effects on the body, such as:
Your biological clock. Less sunlight in fall and winter may cause SAD. The decrease in sunlight could interfere with your body’s internal clock.
Serotonin levels. Serotonin, a neurotransmitter, affects mood, and a reduction in sunlight could result in a drop in serotonin levels.
Melatonin levels. Seasonal changes may interfere with the body’s melatonin levels. Melatonin plays a part in sleep patterns and mood.
SAD seems to appear more frequently in people who live further away from the equator. Once again, this could be because of less sunlight in these areas.
Symptoms of SAD can include:
Need for more sleep
Greater need to eat
To counter SAD, a person should get out into the sun, if you can find it, every day for a reasonable period of time.
Light therapy can also be used. This involves a full spectrum light shined into the eyes indirectly, for an increasing amount of time over days or longer. Ask a doctor about this treatment.
I have found that vitamin D3 supplements help. This vitamin is naturally manufactured in the body by exposure to sunlight.
Lack of vitamin D in the winter due to less sunlight seems to fit in with my feeling that it has a lot do do with SAD. Supplements can come as vitamin D2 and D3, but vitamin D3 is believed to be more effective.
It is best to get outdoors during the early morning hours, and the light itself even without direct sunlight shining on a person is believed to help. I expect people could suffer from some or all of the symptoms of SAD year round, due to many people working in buildings. I am not sure that the light absorbed by a 30 minute drive to work would do much to help, direct exposure to the light without any barriers seems to be best.
If you find that the symptoms still don’t ease up, there is always the doctor.
Have you ever questioned the status quo? Went against the grain despite personal fears or warnings from others? How did it feel? Were your efforts successful? Was it worthwhile?
No matter what you have or haven’t done in the past, the opportunity has arrived to turn retirement planning upside down and engage it on a new level. I’m referring to a contrarian style that helps you look beyond the traditional stuff that sounds good but doesn’t always work out the way you hoped.
Every day hitting the links every morning and becoming a scratch golfer resonates with many pre-retirees. At least until they feel the shoulder and back pain from swinging a golf club over 70 times each day. Throw in the snail’s pace foursome ahead of you, or your group’s talkative fill-in who takes five practice swings only to duff the shot, and you begin to realize golf isn’t all that relaxing, or something you want to do every day.
There can be immense joy in spending time and spoiling future generations, but doing it on a full-time basis can quickly turn pleasure to anguish. Whether it’s those constant requests for junk food, miniscule attention spans, incessant video gaming, constant texting or a good old-fashioned drama queen acting out, retiring to the role of nanny, cook, chauffeur and more can make those old days of boring work meetings, frustrating bosses and annoying co-workers seem like a weekend BBQ with friends.
Travel The World.
Thoughts of visiting quaint villages, marveling at architectural masterpieces and experiencing natural wonders can evoke strong emotions. That is until you have to pass a kidney stone on a European river cruise, need a prescription filled in a foreign country, get a credit card bill showing international charges, or gasp at roaming fees for cell phone use abroad. Add in the complications of a flooded basement while you’re on the road, a missed connecting flight or a mom/dad injury at home, and you may be happy being relaxed — but accessible — at the local bed and breakfast.
The upside-down approach hits home with people because most have experienced one or more of those real life aspects of retirement. That’s why it’s important for you to have a plan in place that not only goes beyond the dollars and cents but also many of the basic premises associated with life in retirement. It’s time to focus on you and make sure you have a plan in place to avoid the dark side of retirement, replace your work identity, fill your time, stay connected to family and friends, as well as keep mentally and physically fit. All things that will help you realize running out of money pales in comparison to running out of family, friends, and good health. So we invite you to take your first steps toward a happier, healthier, and more connected retirement with your copy of Naked Retirement, including Special Bonus Material
Fact is, our lives get turned upside down on a regular basis and it will only continue to happen in retirement… which begs the question: Will you be prepared for it? Will money fix it?
Don’t position yourself and family to sink in retirement. Go in with a plan that will make sure you’re ready mentally, physically, and socially! Start today by peeling back the old and outdated layers with Naked Retirement.
Courtesy of Robert Laura, the Retirement Activist and author of Naked Retirement. Your committed companion to changing the way you think about and prepare for every aspect of retirement. Learn more by visiting Naked Retirement
I don’t have much faith in professional politicians, and I haven’t for a long time. I am talking about politicians throughout what is called the western world, and not restricted to any one particular country. In the early 1990s in the UK, it became clear to me that the policies touted by the politicians running for office (any office, from local to national level), that were popular with, and beneficial to the electorate, were never implemented, and what is worse is that the policies that were implemented, were not popular and were sometimes detrimental to the voters. The unpopular policies would have been implemented to a greater or lesser degree by whoever won the election, left/right, conservative/liberal etc etc. It seemed that there was a controlling and coordinating force behind the scenes, issuing directives to these elected frauds, regarding what they could and should do and also what they couldn’t and shouldn’t do. I expect that the situation has been like this for a longer time than I have been on this planet, but they don’t seem to try to hide their total disrespect for the electorate any longer and they don’t care what the people think or say. There seems to be an effort to change the nature of the countries in the western world, and for us non-politicians and other unconnected people, the “change” won’t be anything that we have “hoped” for.
Elected officials are public servants and this should give politicians a clue that they are supposed to serve the public interest. It is clear to any thinking person that this is not the case. I don’t think that it has ever been the case, but these people are more brash nowadays and they don’t seem to care what the population thinks. Voting seems to have been compromised and I doubt that many people have faith in the integrity of the process anymore. Fraud is so easy with these electronic voting machines. It was easy on paper too, but not anywhere near as simple and convenient as creating a program for a desired outcome, no matter what buttons are pushed.
It is time for us to stop falling for the divisive tricks. Most people (non politicians) are reasonable and logical when making decisions. Unfortunately, certain politicians use hard sell sales tactics (among other tricks) on a population in order to make the voters think that they are getting what they want. Research the Hegelian Dialectic for more insight. What is called the mainstream media play a role as the publicists for chosen politicians and they also seem to have an agenda. They should really be impartial in their political stance, but the past presidential election showed them to be all of the same mindset and all of them pushing the same candidate. I expect that they were very confused regarding the results, after their massive efforts to get one particular candidate elected.
I don’t consider myself liberal or conservative.
I think that everyone should have access to quality healthcare and a national healthcare system could be beneficial if it was administered properly, unfortunately, we know that we can’t trust any government to administer anything properly.
I think that the people of a country have the right to have secure borders, the polls suggest that the majority of the citizens of the U.S.A. do want secure borders and the number of politicians who object to this, and sabotage the efforts of the President, proves the case that they ignore the people’s wishes.
I believe that there is a place for honest, ethical trades unions, and the way in which many employees are treated today is facilitated in part by the lack of strong unions. Unfortunately, union officials past and present have followed the lead of professional politicians in allowing themselves to be “influenced” by pressure groups at the expense of their members.
I am all for helping people in need but I am not in favor of communism or hardcore socialism. I think that these systems are just feudalism under a different name.
Politicians seem to believe that they are the new feudal landowners, and governments act more like monarchies than public servants. I don’t have a solution for the issue but I believe that the root of the issue is greed. Once these individuals have enough money, they are still greedy for power and influence. Why else would these multi millionaires stay in politics, it’s not like they do anything worthwhile.
Why would anyone want to downsize their job from full-time work to part-time?.
There are several good reasons: –
Less time spent at work
More time to do things that you want to do
The career/job isn’t what it once was, disillusionment
Concentrate on building a business
More time for hobbies, (that may, or may not turn into a business)
The list can go on and on, and each person who takes this approach has their own reasons. Of course, there are also disadvantages, such as: –
Less money (at least initially)
Possibly starting a new job, including the application process and all that it entails
Less prestige, in certain professions
Loss of identity for people who have been in one field for a long time
Possible loss of benefits, such as medical/dental/vision
Loss of seniority, influence and authority
Sometimes, a career field that a person started in, changes so much over the years that it is no longer attractive. If you find that this is you, then consider doing something different. This is mainly written with the older person in mind, as a younger person doesn’t need to downsize, but rather completely change career tracks and a younger person may not have the resources to consider downsizing anyway. It would still be wise for a young person to have more than one source of income though.
However you feel about money, you need it to survive in the world. Before downsizing from full-time to part-time, whether in the same field, a completely new field or just an easygoing part time job to supply a bit of cash and maybe some benefits, you need to evaluate your finances.
I went from a high prestige career to a part-time job and some online contract work. What enabled me to do this was mostly a pension that I could claim several years before the normal retirement age of most people.
I had an idea that I would move several hundred miles from where I was working, to a more rural area and continue in the same field there, maybe with less pay, but I expected the pension to cover the shortfall. I succeeded in this, but not long after starting, I found that it was not what I thought it would be and I left. I then went to what would be seen as an unremarkable part-time job. This job however, was enjoyable in a strange way. It was simple enough, it required a reasonable amount of physical exertion and I could finish work every day without having to think about it anymore until I went to work the following day.
I am lucky enough to be in good physical condition and I like to work out, so the part-time job is an extension of my workouts with the added bonus of getting paid for it. The pay isn’t as much as I am used to, but the people who I work with seem to think that the pay is quite reasonable for the area.
I have found over the months that the amount of money flowing into my bank account from all sources, equals and generally exceeds my previous full-time net monthly income. I haven’t quite got to the stage where I do exactly as I please, but it gets closer every day.
I have found that the loss of status is a minor issue and it does not bother me, but that is because I always knew that it was coming and I have prepared myself over the years. I have never really been one for completely buying into an identity that has been manufactured for me by someone or something else. I once did when I was younger, but it was so difficult to re-adjust after leaving the job that I was determined never to allow it to occur again, and I have been successful in that.
If you have other resources to draw on and you feel that it is time to do something different, I would do it. Resources such as pensions, business income, contract work, investments, expectations of future pensions etc are very liberating. Nobody should rely on one entity for their income, it is very precarious, especially in today’s work environment. The world of work is not the same as it was in the 1950s, 60s, 70s or even the 80s. No employer has a duty to you. Many good employers do feel and act in a responsible manner towards employees, which is admirable, but sometimes they find that they have no choice but to let employees go. It is wise to not put all of your eggs in one basket, don’t rely on only one source for your income.
My income percentages from various sources is –
Pension – 46%
Part time employment – 31%
Business interests – 8%
Some of the income can be called passive, about 54% if you class a pension as passive. It is passive income now, but it has to be earned over time.
My aim is to increase the online work and business interest percentages to at least 70% and get the part-time employment and pension percentages down to about 30% of total income, and have at least 7 sources of income while investing as little of my time as possible. This will also result in more money flowing in.
A younger person can take this approach but will normally have to become an entrepreneur as opposed to working several low paid part-time jobs, because you still have to invest at least 40 hours a week total in your part time jobs to make a living wage. The whole goal is to generate as much money as you want, but also minimize time spent working for someone else and maximize time spent on doing what you enjoy. Also, a younger person won’t generally have the bonus of a pension.
Work out your figures and see if it is possible for you. You don’t necessarily need to equal the money that you are earning at present (initially) if you are willing to make do with less, smaller house, cheaper car etc.
Let me know what you think.
Well, today is the day that many people have been waiting for, the day that the big box stores sell off their old stock at what appears to be huge discounts. My first experience of this day led me to believe that there were just too many people out there that were very easily influenced. People who could be enticed to sleep outside stores all night in order to grab the best deals, people who were willing to place themselves in the middle of large jostling, aggressive, greedy crowds just to “save” a few dollars on some shoddy electronic garbage that the don’t need anyway, people who love the chaos of the initial openings of these stores. I will not be partaking, I never have and I never will. I don’t like crowds and I don’t want to tempt fate by putting myself in a position that tests my patience. Cyber Monday is more my style, but it is very unlikely that I will buy anything on that day either.
It is interesting that there is a field of study called consumer psychology and the behaviour of some “bargain hunters” suggests some form of mind control to me. I don’t know the origins of this event but there is definitely some manipulation of public perceptions going on. I do believe that it is a chance for retailers to sell off their aging stock before they take delivery of newer updated products of the same type.
Maybe I am just not a good little consumer, but I would rather do my own thing on this day, even if it means that I miss the chance to buy some item at a discount.
I must admit that I don’t like shopping at the best of times and this could be a reason that I am not attracted to Black Friday. The whole affair is somewhat distasteful to me.
If you do enjoy Black Friday, I wish you well and hope that you get the deals that you hoped for but be nice and don’t compromise your character just to save a few dollars.
There are many jobs that we once did ourselves but find that we now pay people to do for us. Assuming that you are in reasonable health, there may be some good reasons to go back to completing these tasks yourself.
There are some tasks that we come across where we have a knowledge/skill barrier but by using books, and especially the internet, just about any small task is achievable. From a knowledge perspective, large tasks are also possible in theory, as long as we have enough people to assist or enough time and money to rent or buy the required equipment to take the place of helpers.
The internet, especially YouTube is a wonderful resource for gaining the required knowledge to complete a physical task. Completing tasks yourself increases your knowledge, independence and skill level. Doing the job yourself also saves you money in most cases but sometimes when you count the time spent on a task, materials needed and time spent learning a new skill, it may not be as much as expected.
The best example I can think of here is changing the oil in your vehicle. You need to buy the oil, a drain pan, a ramp or jack, an oil filter and an air filter, and tools that will do the job. This will all cost more than the quick oil change garage, but the upside to this is that when you have done it once you will have the knowledge, and the next time, you will be faster. The tools (hand tools are all that are needed), drain pan and ramps are a one time expense. You will also be confident that your oil has actually been changed, your oil and air filters have really been replaced and the threads on your oil plug haven’t been stripped.
Another example is taking care of your own yard. The advantages are that you will get some exercise and at the most basic level of cutting and edging the lawn, it is not hard and the initial outlay is worth it as lawn care companies are very expensive now. Maintaining the lawn mower can also become “interesting”. I have a gas operated walk behind mower that has powered wheels, front and back. The wheels are powered by drive belts and they tend to stretch, fray and sometimes break, this results in no power being transferred to the wheels and you end up with an extra heavy human driven push mower. The first time that this happened, I went online to see if there was any information on fixing the issue as I hadn’t come across the problem before, because I used to pay a lawn service. I found all the information that I needed to replace a drive belt and gained knowledge. It doesn’t take me any time at all now to replace a drive belt because I know how it works and what bolts and screws to remove to get to the parts that I need. My most recent front and back yard is modest but not tiny, the quote I got from a local lawn care company for cutting the lawns and edging was $130 twice a month and that is just too much when I am able-bodied and I can easily do it myself. I have never been a garden enthusiast but it does seem to give me some sort of satisfaction to do it myself. I am also increasing my knowledge about plants and landscaping topics to make the property attractive.
A while ago, I took on a project that took me some time to research. I built a new shower stall in my bathroom. There was an existing stall, but the base was leaking and it was getting moldy. The tiles were also getting moldy too quickly and were not very attractive. The glass shower door was about 20 years old and did not look good at all. I had to research the project in stages as I hadn’t completed this task before. I found all the information that I needed online.
The job began by ripping out the old stall, down to the wall studs and then rebuilding it, stage by stage. It did take a while, but it was completed 100% by myself, so it was slow going.
The end result was very attractive and while there were places that could have been better on the tile work, I was the only one who noticed. I increased my knowledge and skill level and I was very pleased.
As for the money saved, I may have saved a few hundred dollars by doing it myself and I also know that I could do the job faster and better if I had to complete another similar task.
Any task around the house can be completed by the homeowner with the knowledge that is freely available online. The only things that I will not tackle at present are electrical rewiring and work involving gas lines. I have confidence in my abilities but I will leave those to the professionals due to liability issues.
There are other topics that we can look at, such as stop ordering carryout or going out to eat all of the time and start cooking. Once again, if you aren’t very knowledgeable about cooking there are plenty of books on the subject and a load of information online. You will be able to choose your own menus and ingredients for health and taste reasons. Everyone has a cooker and refrigerator in the house and if you use it, you will be getting your money’s worth out of it.
I have also been my own plumber, plasterer, drywall installer/repairer, concrete work repairer and more. I didn’t know much about any of these issues until I researched them and then put that knowledge into action.
The main point of the topic is not so much “saving money”, although completing tasks yourself will achieve that in many cases, it is more a quest to increase knowledge about practical work and become more self-sufficient. Other benefits are that it gives a person a sense of achievement, which is good for mental health, and practical issues involve physical exertion, which is always good, especially if you earn your living in a sedentary occupation.
The truth of the matter is that everyone should strive to use as little credit as possible because credit equals debt. Having said that, most people find that they need to use credit on high ticket items such as vehicles, buying a house, home air conditioning systems, furniture, home repairs etc.
The three main credit bureaus in the U.S.A. are Equifax, Experian, and TransUnion and the Creditors and lenders will normally use one of these bureaus to check your credit rating when you apply for credit. The credit bureaus operate by collecting and continuously updating a consumer’s credit rating and then selling that information to businesses in a credit report. Each credit bureau operates independently and issues it’s own rating. Consumers normally know this as their credit score, one number that represents your reliability as a borrower.
Credit scores generally range from a low of 300 (poor) to a high of 850 ( excellent) and the score has a major impact on your credit options. Each individual business has their own model of credit score generation but the final ratings usually fall within a few points of each other. A lower credit score will put you at a disadvantage. You will find that you have less credit options, and the options that are available to you will come with a high interest rate and normally give you less time to pay the loan off. I think that it is always a good idea to get as high a credit score as you can, because you never know when you may need it.
The Fair Isaac Corporation formulated FICO credit scores. They are an amalgamation of the information found in the major credit bureau files on you. These scores are used by more than 90% of lenders when it comes to granting loans. They are also used when setting the interest rates, monthly payments, terms of each loan and loan approval. The FICO score is something that is normally supplied to many credit card holders on their monthly statements.
How To Get And Maintain A Good Credit Score
The first thing you will need is a credit history. If you have never used credit, you will have no credit rating and you will probably find it hard to get a loan.
The easiest way to begin your credit history is by getting a credit card. My suggestion is to use the card and either make sure that you pay it off every month or keep a low balance on it. The credit history uses data from you “on time” payments, use of the card and length of credit history. You normally find that if you pay off the whole card balance in full every month, you will not be charged interest, but that depends on the individual lender and you should read the small print on your agreement.
After you create a credit history, make sure that you make all of your loan payments by the payment “due date” and keep your debt to 30% or less of the total credit available to you.
The categories generally used to determine your credit score is:-
Payment History – 35%
Credit Utilization – 30%
Length of Credit History – 15%
Mix of Accounts – 10%
New Credit Inquiries – 10%
The two most important factors, according to the above figures are the payment history and the credit utilization. Payment history is self explanatory – pay on time, every time. Credit utilization is a calculation of the total available credit you have versus your total debt. If you can keep the ratio of debt to credit below 30% then you should be in good shape.
Example – Total Available Credit = $30,000
Total Debt = $9000
Credit Utilization = 30%
You never know when you may need credit and it doesn’t hurt to build yourself a good credit score for potential use.
If you can build and maintain a good score you will be able to take advantage of the best offers, such as:-
0% interest finance loans for several years with no prepayment penalties
18 month + 0% interest credit card offers
9% or less APR credit cards
4% or less mortgage loans
People with bad credit can still obtain credit but the interest rates are normally extortionate. Unfortunately, the people who pay the most interest on loans are the people who can least afford it, or the people who have neglected to cultivate their credit score.
I once saw a 70 point drop in my credit score due to one minor monthly payment that I forgot about. The minimum payment was so small that I could have easily paid the amount many times over. The payment was to a store type credit card, and I paid the forgotten payment the following month. I had been an account holder for several years, and I had used it, and got to a zero dollar balance several times over that time. This was the first time that I had missed a payment. This didn’t matter to the company. It took about a year to rebuild the credit score to a very good level. The company involved, was so fast to react to this one missed payment in my history of being a reliable customer that I payed off the whole thing the month after that and shredded the card, never to be used again. These things happen and it is inconvenient, try not to let it happen to you.
Yes, the system has the advantage. I am not advocating the system and I am not advocating borrowing money, but if we are diligent, we can use the special offers that are available to a person with an excellent credit score as a useful financial tool.
Flaxseed is considered a “superfood” as it is nutritionally dense. It has been used for nutrition since ancient times. Flaxseeds contain high amounts of Omega-3 essential fatty acids, These are the fats that are considered beneficial. Lignans, which contain plant estrogen and antioxidant qualities. Flaxseed has 75 to 800 times more lignans than many other plant foods. Fiber, flaxseed contains both soluble and insoluble fiber.
Studies have suggested that flaxseed may protect against:-
Breast cancer, prostate cancer and colon cancer.
Cardiovascular disease and promotes lower blood pressure.
Lowers LDL, the so-called bad cholesterol.
Helps regulate blood sugar.
Reduces the incidence and severity of hot flashes.
The studies are not conclusive, but seem to hold a lot of promise.
55 calories for each tablespoon of whole seeds.
This breaks down as 42% fat, 29% carbs and 18% protein.
It is generally considered more effective to take flaxseed rather than flaxseed oil and it is also better to take ground flaxseed as the whole seeds can pass through the body in their whole form. This results in the flaxseed being unable to pass on it’s beneficial components to the body.
Flaxseed can be bought in ground form or you can grind it yourself using various methods. The simplest method is to grind the seeds in a blender or coffee grinder for a few minutes.
The ground flaxseed is sold under various names such as milled, ground or flaxseed meal, they all mean the same thing.
As always, buying organic is preferable.
At this time the suggested dose is 1 tablespoon of ground flaxseed 2-3 times per day.
Taking large amounts of flaxseed could block the intestines due to the laxative effects of flaxseed. Flaxseed should be taken with lots of water to prevent this from happening. It is best to check with your doctor before taking flaxseed if you are taking medications for any condition. For a full list of possible side effects and drug interactions, CLICK HERE
Benefits of Flaxseed For Weight Loss
Inflammation hinders weight loss and flaxseed can help reduce inflammation. Flaxseed is high in phytochemicals including several antioxidants. The fiber content in flaxseeds can help to regulate the digestive system and possibly make you feel fuller for longer. Fiber can also help to regulate blood sugar, which has an effect on weight when it is not stable.
Flaxseed promotes good nutrition, which is essential for healthy weight loss.
How To Take Flaxseed
Ground flaxseed can be added to whatever foods you wish, but would be a useful component in a meal replacement shake, combined with other ingredients such as Chia Seeds, Protein Powder, fruit etc. You can also take flaxseed oil.
Flaxseed is another supplement that can assist you in losing weight. Like anything else, it is not a solution on it’s own. Flaxseed may help with weight loss due to the theory that proper nutrients balance the body, and when the body is in balance, it will be much easier for you to lose weight naturally and safely.