Congratstoshibas

People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals.

It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself…

Why are you investing?

Do you know why you are investing? What are you going to do with your money? What is most important in your life?

“Making money” is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan.

With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write “buy a home”, “pay for college,” “start a business,” or “retire as a millionaire!”

Next, write down the amount of money you think you will need to accomplish your goals.

Don’t worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number.

This number will be different depending on your goal. For example, maybe you’re buying a $100,000 home, you may want to save $10,000 for a down payment. Maybe you need $5,000 to start a business or $50,000 to pay for college. If you don’t have much money to invest, you can make up for it by investing over a long period of time.

Finally, consider the importance of your investment goals. How important is your retirement, your kid’s college tuition, or your down payment on a house? The importance of your investment will give you an idea of your risk level.

Every investment has risks.

You don’t want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble.

Ask yourself if you are ready to invest before you move on. Be honest with yourself.

You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing.

It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest.

If you can stay committed and keep that motivation toward your investment goals, you are much more likely to succeed!

A. Michael Hayes, Jr

You can learn more about how to achieve your financial goals at my website, Great-Mutual-Funds.com.

According to the dictionary, the avant-garde current it is an artistic current which fights against the already known and accepted forms and traditions, suggesting a revolutionary formula. In other words, this avant-garde may be regarded as an artistic innovative movement, which came out from a spirit of negation and revolt against certain traditionalism. It has become a synonym of innovation, progress and rebellion.

In fashion, the avant-garde style is defined through its personality. Many designers have been asked to define this style and they all added a certain term to define it: sophisticated, mysterious, intimidating, intriguing, striking.The accessories have to be very modern, unusual, but elegant. All clothes should be matched with hats, belts or shoes in the most unusual shapes.

The models may intimidate because what they wear is beyond a normal image. Avant-garde fashion means a little bit of theatre. Most of the time, the clothes cannot be worn in the street because they belong to a flamboyant style. They are very innovative and can be a bit shocking. Somehow, this style does not refer only to fashion. It means a mixture between fashion and art.The avant-garde fashion teaches women to have a certain attitude.

Avant-garde clothes mean unusual ones, which catch the eye and does not let you fade in the crowd. In fact, when we discuss about avant-garde fashion, we should not talk only about clothes. In the end, the result of the avant-garde has to be a whole form. For this reason, the make-up has to go hand in hand with the clothes.

The make-up has to express something new, unexpected, and even exotic. A niche for the avant-garde style in fashion was connected to men and the items designed especially for them.

At the beginning, women were the perfect models to underline these innovative ideas. Little by little, the designers extended upon men. First of all, they wanted to surprise through their clothes, later on every little detail mattered. One example may be the boots designed especially for them. A mixture of styles, the first tendency towards rejection and then the craziness of wearing them are some of the reactions encountered.

As an “Abundant Life Coach” I get asked about the meaning of “financial abundance” very often. What this means to you can be the difference between living the lifestyle of your dreams, or settling for something less than your dreams. I want you to live the life of your dreams!

Here, then, are 5 Essential Factors of Financial Abundance:

“The Abundant Mindset”

Thousands upon thousands of books, articles, media, programs, and so much more have been produced that discuss the awesome power of our minds, and the influence of our thinking upon our lives. It is difficult to say enough or emphasize enough that truth. As I see it, we are exactly as we think.

In my work, I recommend the adoption of an “Abundant” mindset. This means so much more than finance or money, however, for the purposes of this article, I will discuss abundance only as it applies to the world of money and finance.

A financial abundance mindset means enjoying an abundant amount of money, and yet not allowing greed. Greed does not work (sorry, Gordon Gekko). Of course “financial abundance” will be a relative concept; it will probably mean something different to each person. Greed, however, is fairly obvious; it is almost like knowing (within your mid or heart) the difference between right and wrong.

Further, a financial abundance mindset means having the monetary means or resources to enjoy an abundant lifestyle, yet balancing your financial wealth with philanthropy and generous giving (see point 4). When one’s personal motives are clearly defined and one’s goals are aligned with those motives, then financial abundance becomes clear.

“Specialized Knowledge”

The largest difference between the rich and poor (or the “haves” and “have-nots”) is knowledge. Or, more specifically, the largest difference is a specialized knowledge; meaning that they have the “right” knowledge and also know how to use that knowledge to their advantage. In other words, specialized knowledge is the information or data itself, coupled with the wisdom to know how to use the information or data.

For many, specialized knowledge is an academic education such as medical or law school, while for others this might mean computer programming, aviation repair, or something. Further, many of those with a financial education know how to leverage their own money to make more money. Obviously the point is that specialized knowledge translates to earning ability.

“The Power of Compounding Interest and Investing”

For many people, diligent savings and investment of a consistent percentage of income over considerable lengths of time has lead to financial abundance. I would certainly add that economic factors always play a significant role with regard to risk in investments. Even so, living well within one’s means while investing and saving can very often lead to financial abundance.

“Generous Giving”

Generosity does not necessarily mean giving away or donating money. Mr. Zig Ziglar has said: “If you can dream it, then you can achieve it. You will get all you want in life if you help enough other people get what they want.”

This is so very true. It must be an unwritten law of nature that over time, our generosity is paid back several times over. Of course there are exceptions to every rule, and yet employing an attitude of generosity is always a safe bet for a great return. And, if nothing else, it is an illustration of excellence of character.

“What You Love Over Time”

We should seek ways to turn what we love to do into a good living. I am a firm believer that when we do what we love doing, money very often comes as a byproduct, because our focus is not so much on making money as it is on enjoyment and lifestyle. Over time, money tends to take care of itself in large part when we are doing what we enjoy, especially when it helps others.

In conclusion, the very first point – having an abundant mindset – sums up all of the points I have made in this article. When we do what we love to do; when we are generous and seek to help others; when we live within our means and save money; when we always seek a more specialized knowledge…we then have an abundant mindset, and are bound to realize financial abundance.

Some people think that automotive fasteners are only useful in automotive industries because of its name. However, such items are also depended upon by aerospace, petrochemical, waste processing, pharmaceutical and even machine industries. Typically, a fastener is derived from materials most specifically metals like iron, aluminum, brass, nickel and stainless steel.

Automotive fasteners are defined as mechanical components in order to hold two or more structures together. They are classified further as nuts, screw, rivets, studs, pins and tie rods. Each of these classifications has its own distinct characteristics. More facts on some of these types of fasteners are discussed in detail through the succeeding paragraphs.

Automotive nuts

Nuts are examples of fasteners used in order to secure a bolt or screw to a certain surface. Depending on the application where it is to be utilized, the nut is classified. Some examples of nuts are also classified depending on its shape and design. In this regard, subcategories include hex nuts, wing nuts, cap nuts and t-nuts. Lug nuts, plate nuts, jam nuts and self-locking nuts are also popular in a lot of automotive industries.

Automotive bolts

These are generally classified as threaded automotive fasteners with threaded pins or rods. Typically, it is easy to detect a bolt because it contains a head on one of its end. Bolts are offered in the market in different sizes and may only be placed depending on the hole’s size where it is to be used. The most common types of automotive bolts are wheel bolts, U-bolts, mounting plate bolts and hub bolts. Rod bolts, lug bolts and radiator bolts are also included in the list.

Automotive washers

Just by hearing the term washer, one may not be able to comprehend well about why it is classified under the list of auto fasteners. Well, automotive washers are those that have small and flat dishes containing holes on its center and are used to hold a load of automotive bolts. It is often found below the nut or the joint in order to prevent leakage as well as distribute pressure. Common examples of automotive washers are bolt lock, hardened, cylinder head, lug nut and radiator washers.

Other types of fasteners

Aside from the three types elaborated above, there are yet other forms of fasteners offered in the market. Studs, for instance are those that have double-ended features and are fastened at both ends. These fasteners are classified according to where they are used and the material utilized to make up such industrial products. Other automotive fasteners are rivets, screws and tie rods.

Any business owner that is experiencing financial difficulties from the recession, or anything else for that matter, should definitely consider adverting with flyers. You can benefit from this type of advertising in several ways. Here are seven of them to help you determine if this method of advertising is right for you.

1) Instant results. There’s no waiting for your advertisement to be published when advertising flyers person-to-person. Your sales will increase the same day as you launch your advertising campaign. This is the number one reason why every business owner should be thinking about using this form of advertising right now.

2) Low priced. No matter how large of an advertising budget you have to work with, this form of advertising allows you to promote your products and services within your means. Advertising flyers person-to-person is the cheapest form of flyer advertising. You can design and print your flyers in house to save hundreds of dollars on unnecessary costs.

3) Quite simple. Other forms of advertising require months of planning and preparation. This strategy eliminates the timely process of searching for professional graphic designers and copywriters. Simply put, you can launch your advertising campaign the same day.

4) Consumer feedback. Talking to people face-to-face off the streets allows you to ask serious questions about your business without having to hire an overpriced survey service. You can find out what people really think of your products and services, allowing you to immediately correct any serious issues you may have. On the other hand, this also gives you the opportunity to inform people of all the positive changes and improvements you have made.

5) Viral injectors. Advertising flyers person-to-person on the streets is proven to generate word of mouth buzz and referrals. In fact, a struggling business can be back on the road map to success within weeks of launching the first promotion. There’s even the possibility of your promotion being picked up by your local newspaper.

6) Moral boosters. Advertising flyers on the streets to people is a great way to liven up the spirits of your team when times are hectic. The positive energy from your promotion will bolster the performance of your staff and spread to your customers like a wildfire. Your team will feel a since of pride as people start to complement them about the positive changes you made in your business.

7) Highly Effective. Since your talking to people in person, response rates can be as high as 50% in comparison to other forms of advertising. In addition, you’re more likely to convince consumers into purchasing whatever it is you have to sell with this strategy. The results are always phenomenal considering the price and time it takes to advertise flyers.

Advertising flyers person-to-person is just one of the ways you can recession proof your business while making a sizable income in the process. Think about using this strategy to sell your products and services if your advertising budget is small, and you need a way to generate sales quickly.

No business exists and operates in a vacuum, but as a part and parcel of the environment in which it finds itself. Efficient and effective marketing strategy is a function of the marketing manager’s ability to understand the environment in which the business operates.

The marketing environment consists of a set of factors or forces that operate or influence a company’s performance in its chosen target market.

Jain (1981:69) defined the marketing environment to include all those factors that may affect the organization directly or indirectly in any perceptible way. Marketing environment factors affects the organization by the way of input and the organizations also affect the environment by output. The relationship between the organization and the marketing environment is often referred to as “inseparable” the organization and it environment are constantly in a state of: give and take” or homeostasis.

The marketing environment consist of those forces or element that impacts on the company’s capability to operate effectively in its chosen target market.

The marketing environment is divided into two major components. The elements are,

Internal environment: the internal environment is concerned with the controllable variables. Controllable variables are categorized into two groups, they are; the strategy variables and unmarketable variables. External environment: the external environment is concerned with the uncontrollable variables. These variables are called uncontrollable because the marketing manager cannot directly control any of the elements. The marketing manager is left with the option of adapting to the environment by prompt observation, analysis and forecasting of these environmental factors. The external environment can further be divided into two components, the micro environment and the macro environment.

Micro environment:

The elements that fall under the micro environment consist of forces or factors in the firm’s immediate environment that affect the firm’s capability to perform effectively in the market place. These forces are suppliers, distributors, customers and competitors. Let us discuss each of the variables in details.

Suppliers:

Suppliers are business customers who provide goods and services to other business organizations for resale or for productions of other goods. The behavior of certain forces in the suppliers can affect the performance of the buying organization positively or negatively. The critical factors here are the number of suppliers and the volume of suppliers to the industry. An audit of the suppliers will enable us to appreciate their strength and bargaining power, which the suppliers hold over the industry as a whole. The answers to the issues concerned have the potentials to affect the capability of firms in the industry to effectively deliver need-satisfying goods and/ or services. The trend today is that buyers attempt to persuade the supplier to provide exactly what the firms want. This process is known as “reverse marketing”.

Customers:

Customers are those who buy goods and/ or services produced by the company. In a purchase chain, different people play significant roles before a purchase decision is made. The various influences must be understood. The customer may be the consumer of the products where he/she is the user. The critical factor here is that needs and wants of consumers are not static. They are fast changing. The changes in the preferences of the consumer create opportunities and threats in the market. The changes called for the marshaling of separate strategy to either fit into windows of opportunities or survive the threats in the market. A good knowledge of consumers’ behavior will facilitate the design and production of goods and services that the customers need and want, and not what they are able to produce.

Competitor:

A competitor is a firm operating in the same industry or market with another firm. The consideration here is that, Firm A produces a substitute to that of firm B (industrial approach) or firm A and firm B seeks to satisfy the same customer need (market approach.

 

When you’re selling your home, you have to be familiar with related real-estate lingo. You have to know the difference between a canopy and an awning; a mortgage and a loan; and most importantly, the difference between a deposit and a down payment.

Believe it or not, there are a lot of home sellers who think that deposits and down payments are one and the same, when in reality they are not.

A deposit is the money given or handed over to the owner when a buyer indicates a sincere desire to purchase the property being sold. It is a token amount that could be as small as a few hundred dollars, or as big as 5% of the total purchase price. The deposit can be returned when the transaction does not fall through for reasons beyond the control of the buyer, and can also be forfeited in favour of the seller. When the purchase pushes through, the deposit is credited to the buyer and forms part of his down payment.

A down payment or equity, on the other hand, can be considered as an initial payment on the property itself. It is given when the buyer has decided to actually purchase the house (unlike in deposit, where it is given when the buyer indicates a desire to buy the unit). The down payment is the total amount of money a buyer can give as a partial payment and is generally of a bigger value (10% of the total property cost, or more) than regular deposits.

It’s fairly easy to differentiate. Just remember that a deposit is smaller and, once the transaction pushes through, becomes part of the down payment. The total of these two, plus any outstanding balance, should be the agreed upon purchase price of the property.

People generally wake up in the morning saying their morning prayer in a rhythmic tone. You teach your child the nursery rhymes in a musical tone. Whether it is the flowing river or the cool breeze or the birds singing, there is music all around. Music is a very essential part of your life. One cannot simply live without music. You can sing on your own, listen to songs or play instruments on your own. Many people have different hobbies among which some people choose to keep music as their hobby. There are latest music players like iPad music players in which you can just plug in your earphones and listen to music. There are a number of instruments which are required for playing music. Playing a musical instrument is also one of the unique hobbies. The only thing you need to play any instrument is patience. You must also practice regularly in order to sharpen your skills.

Developing personality and better skills

• Creativity- When you a play an instrument, it increases your creative factor. There are various types of music. You have got different music for different songs. If you are a song composer, you need to create new music for any kind of new lyrics you write. Then you need to enhance the quality of playing your instrument. Thus it helps in increasing your creativity.

• Personality- Another positive point of music lovers in that it helps in developing a great personality. You gain confidence when you perform in front of a crown in any function.

• Expressing feelings- If you are a songwriter, you can express all your feelings through the lyrics. You can speak your heart out. When you are in a sad mood, you can listen to the sad songs and when you are thinking of romance then you can listen to romantic songs.

• Stress buster- Music is the best medicine if you want to get relief from the tensions of everyday life. When you listen to soft music, it soothes your mind to a great extent and then it removes a lot of stress.

• Pass time- Children can play the instruments and rehearse singing during their pass time. It will make their mood good.

• Profession- You can consider music more than just your hobby. You can consider it as a profession if you excel in this. You can become a playback singer or you can join bands. You have a bright future in the music industry.

 

While people from the Northern part of India have always been considered the front-runner whenever it comes to big fat, elaborate Indian weddings; southern zone of the country has never been far behind in terms of rich, culturally elaborate weddings. Though natives from South-India have always known to be simple and subtle in their ways and traditions yet their wedding rituals are quite interesting and rich in appeal.

Many a kinds of weddings are held down south from Andhra Pradesh to Kerala, Karnataka to Tamil Nadu – In the most beautiful ways. Be it a Hindu wedding, a Muslim or a Christian wedding in this part of the country – Weddings have always been worth a festivity.

The Tamil Brahmins or Keralite Vishwakarmas or the Nadar Christians – Weddings in these communities will keep you awestruck with the rich cultural and aesthetic value they emit from their rites and rituals.

In the southernmost part of India, that is the state of Tamil Nadu – There are several communities with a variety of rites and rituals. The Tamil Brahmins, the Tamil Iyers, the Tamil Nadars – These are various communities rich in traditional culture and the same is reflected in their weddings.

When it comes to weddings among Nadars, it is an elaborate affair for the families. A typical Nadar matrimony ceremony includes several kinds of ceremonies with a distinctive meaning and rituals and is hence celebrated with much pomp and show.

After a customary confirmation among families and the boy and the girl for the matrimonial alliance, the wedding is announced by the eldest member or the priest in the family among all relatives, friends and important community members.

The first of the pre-wedding ceremonies is the flower garland wearing ceremony in a typical Nadar wedding. The bride-groom’s parents, elders, relatives and friends come down to the house of the bride carrying gifts, new clothes, jewelry and gifts for her. They bring large and beautiful garlands of flowers for the bride and she is decked up in flowered jewelry by the mother of the bride-groom. In case of absence of the mother of the bride-groom, the ritual is covered either by the sister or the sister-in-law of the bride-groom. They are then followed by all other female family members of the bride-groom who take turns in decking up the bride with flowered jewelry. The bride is hence blessed and smeared with vibhuthi or kungumam by all elders present there.

Following this, the eldest members of both the families are made to sit across each other and exchange gifts among both the families in terms of cash, clothes, fruits, flowers and jewelry on the thambulam or the welcome plate; after honoring each other with vibhuthi and flower garlands. Next in suite is the pattu kattuthal ceremony which is honored by the bride-groom’s family in the bride’s house by blessing the bride with a beautiful new silk saree. The bride is then blessed by the elders in the family who apply vibhuthi or kungumam on her forehead.

The gold-melting ceremony is an interesting ceremony among the Nadars and is necessarily held at the bride-groom’s residence. A beautiful traditionally designed thali is made by the bride-groom’s family and gifted to the family of the bride-groom. A small piece of gold is put on the thali by the bride’s family for gold melting. A goldsmith melts the gold piece and performs a puja and takes along a small part of the melted gold with him. He is escorted out of the house by a woman with a child as she is considered auspicious with her child.

After the gold melting ceremony, there is a puja ceremony held in both the houses of the bride and the groom. A palmyrah stick, smeared with turmeric powder and kungumam with mango leaves tied to it. It is then worshipped with rice kept in a vessel in front of it which is later given off to a woman who measures the rice.

A day or two before the wedding, the families of the bride and the groom perform puja to the Almighty and souls of their ancestors seeking blessings for the wedding and the couple’s happy married life.

Among the Nadars, the engagement or the betrothal ceremony is generally held a day prior to the wedding day. This includes the ceremonial exchange of rings and pre-wedding vows between the bride and the bride-groom.

On the day of the marriage, the maternal uncle of the bride-groom and the bride initiate the customs. They individually garland their nephews and niece respectively and offer their blessings to the to-be-wed. The bride is then gifted a saree by the bride-groom’s female family members which she wears for the marriage. Hence after a thali is tied around her neck by the bride-groom and after seeking blessings from elders, they apply vibhuthi on each other’s forehead and exchange garlands. After the villakku darshan of the couple by the brother of the groom, the couple is offered to consume milk and banana. The rituals finally get over by the oil bathing of the newlywed by the groom’s family after which the bride leaves for her husband’s house. After offering of prayers, the couple again comes back to the bride’s house where the day gets over with a sumptuous feast by the bride’s family.

Scrabble is a popular family game for all ages, this article looks at the benefits of scrabble for kids and adults alike.

Scrabble was invented by Alfred Mosher Butts back in nineteen forty-eight, and since then it’s been a favorite game for generations of families. Not only is Scrabble a great educational tool to build word ability and comprehension, but it aids in lateral thinking and vocabulary enhancement.

Scrabble has surpassed several other competing word games in popularity over the years, and has found a new life in online word game such as Words with Friends for entirely new generations of people. With the advent of the internet, a whole range of additional tutorial, tip, and tricks have found their way into common availability. There are several experts who devote their time to producing a scrabble dictionary, word lists or cheat hints to develop players from beginners into advanced gamers who can compete in tournaments and online competitions.

The health benefits for children are numerous, from developing an excellent vocabulary to the ability to critically weigh different strategies. It’s a great skill to teach a child to think beyond the immediate gratification of creating a word now, versus holding your letters in order to play a longer and higher scoring word later. In addition to these benefits, the ability to patiently see a game through to the end is an invaluable asset which will help a child in life in general.

The mental concentration required to puzzle through different word options in Scrabble also puts the brain into a meditative state much like taking a class of yoga or meditating. Taking this time to deliberately relax and engage in some mental exercise is a great way to reduce stress and anxiety. Although this is great for general relaxation in the evening, one recommendation that has been made is that you should not play scrabble too soon before retiring for the night, as it’ll leave your brain in a ‘puzzle’ state for an hour or two and make it more difficult to sleep. Scrabble is a very analytical game which is similar to solving a Sudoku puzzle or playing a pen and paper game such as hangman. Gradually absorbing the rules, and knowing when to consult the Scrabble dictionary builds confidence and vocabulary.

In addition to these benefits, it’s a great social outlet for older people who club together to play Scrabble. A lot of friendships have been forged by people who have met while playing Scrabble, be it in a home for the elderly or a youth group for teenagers. Taking the time to share some competitive play with another person is a wonderful ice breaker, and by carefully looking at the type of words a person makes you can determine their interests and viewpoints on the world. If you get really good you can enter tournaments, and extend your competition beyond just playing each other into the realm of expert play.

If you’re having trouble with your scrabble game, be sure to check online resources which can enhance your abilities with easy to remember word lists, articles and scrabble cheats to help you get a quick advantage over your opponent.