Archive for the 'Great Ideas' category
Financial Timeline
Sunday, January 14, 2007 2:57 pm
You’re finally at the coveted place known as “in the black,” which means you actually earn more than you spend. It’s taken hard work and discipline, but you’re well on your way to financial freedom. Because you bring in more than you pay out, you finally have the chance to do something positive with your money, like paying off your debts and building a successful future. But to do so, you’ll need to follow a financial timeline. Here are the areas you should focus on in order of importance.
1. Pay off high-interest debt
The longer you carry debt, the more money you’ll end up paying. Therefore, the first step in a successful financial timeline is paying off the money you owe. But not all debt is created equal, so it pays to pick and choose. The first thing that has to go is high-interest credit card debt. If you’ve been carrying a balance for a while, you could be paying 20% or more. Since you’ll probably never find an investment that provides you with more than that amount in interest, there’s no sense saving money until you’ve completely paid off this debt.
2. Pay off additional debts
Additional debts that should be paid off, but on a different timeline, include student loans and mortgages on first homes. Typically, these loans have two things in common. First, the interest on them is tax-deductible, so it can pay to have that deduction in April. Second, the interest, especially on student loans, tends to be lower than on credit cards. That means you have a choice to make. If you’re able to safely make more interest on a given investment than the amount of interest you’re being charged for your student loan, it could be wise to invest rather than pay off the debt. This way, the interest you generate will pay off the interest on the loan and eat away at the principal. And once you’ve paid off the entire loan, you’ll still have the principal from the investment to work with.
Show me more… »
Job Fairs - create a lasting impression at job fairs
Thursday, January 11, 2007 8:45 pm
Job fairs. Speed dating for job seekers and employers! Or like a cattle market.
Most Colleges and Universities organise job fairs round about graduation time to allow students to meet new employers - it’s a fairly common method of recruiting recent graduates.
Job seekers can use job fairs to find out a bit more information about employers, working life and general industry information. This is what most people use job fairs for.
However, the opportunity exists for job seekers to use the brief few minutes they have with employers to create a lasting impression (er, a “good” lasting impression!) and sell themselves, for job fairs are also an opportunity for the cream of the crop to rise to the top!
Show me more… »
Make Money by Investing in Real-Estate
Wednesday, January 10, 2007 12:54 am
You always hear about people who made their fortunes investing in the stock market, and you also hear about other investors who lost their shirts playing the same game. But you hardly ever hear about real-estate investors who go bankrupt, and that’s because it doesn’t happen often.
That’s right, those individuals who invested wisely in real estate many years ago are living a very comfortable lifestyle. Investing in real estate wisely can garner lots of money, so if you’re just getting started, or have considered investing in real estate, the information that follows is invaluable.
take the risk
No one hears about how much money one can make investing in real estate. That’s probably because it is a little well-kept secret. If everyone knew about it, everyone would be doing it, right?
Wrong. Much like starting your own business, investing in real estate requires entrepreneurial skills and a vision. Which is why not everyone is jumping on the real estate bandwagon.
Not everyone is willing to take the additional risk that real-estate investing entails. And these are the same people or renters that will make you rich. The little secret is that there are hundreds of individuals who choose to procrastinate for every one individual who has a vision and chooses to take the risk with investing in real-estate.
Show me more… »
The Truth About Bodybuilding Myths
Wednesday, January 3, 2007 10:20 pm
You might disagree, but hear me out on this; the vast majority of myths about weight gain are mostly passed down from “gym talk” and so-called experts who know nothing about the body’s workings.
Myths that lead to wasted time, frustration and if are taken blindly as truth, can really set back your progress in the gym. Don’t believe everything you hear when it comes to exercise and weight gain, do the research yourself.
Lets take a look at some of the most common weight gain myths:
Show me more… »
Wikiasari: The Search Engine Wikipedia Style
Wednesday, December 27, 2006 11:37 pm
Jimmy Wales, the man who created Wikipedia, is planning to enter into search engine market with the financial help from the biggest online retailer, Amazon.com. Wales’ project, called Wikiasari, will use same user-based technology he perfected for Wikipedia.
The commercial version of the search engine will be developed through San Mateo, Calif.-based Wikia Inc., with a provisional launch planned for the first quarter of 2007, he said in an interview for The Times of London.
Wales believes that the human judgement is better than any computer search algorithm. “Essentially, if you consider one of the basic tasks of a search engine, it is to make a decision: ‘this page is good, this page sucks’,” Mr Wales said. “Computers are notoriously bad at making such judgments, so algorithmic search has to go about it in a roundabout way.
Show me more… »
Christmas Eve Traditions & Ideas
Sunday, December 24, 2006 5:00 am
Traditions are a big part of the holidays and Christmas Eve is no exception. Every country has their own customs that make this a special holiday. Children are excited and full of anticipation. This is their favorite time of the year!
Nothing could be more perfect than a light dusting of snow falling on Christmas Eve to bring on the holiday spirit. Even if you’re not going to have a white Christmas, there are many things you can do to set the holiday mood.
Create a Holiday Environment
Enhance a cozy atmosphere with Christmas music and light some candles to welcome your guests. If you have a scrooge in your family, bribe him with some good food and shower him with love. He’ll be sure to lighten up. Whatever your traditions are, embrace them. They are part of your heritage!
Show me more… »
Track any Cellphone
Saturday, December 23, 2006 11:53 pm
I have found this kickass link that lets you track any cell phone you want in the world!!! It is a free service and you can spy on whoever you want. Last night my wife went out for a few hours with her friends, and was horrified when I told her exactly where she went, heh. I wish I would’ve kept this secret for a little while longer 
Oh well. Check it out and tell me what you think.
Check it out here -www.phonetrace.org
IF YOU ARE UNDER 18, DO NOT USE THIS SERVICE! In Fact, Do Not Click. [nsfw]
Homemade Christmas Eggnog
10:28 pm
- 2 large eggs
- 1 1/2 cups sugar
- 1/2 teaspoon salt
- 2 quarts milk
- 2 tablespoons vanilla extract
- 2 cups heavy whipping cream
- ground nutmeg
In heavy 4-quart saucepan, with wire whisk, beat eggs, sugar, and salt until blended. Gradually stir in 1 quart milk and cook over low heat, stirring constantly, until mixture thickens and coats the back of a spoon well, about 25 minutes (mixture should be about 170 F to 175 F. but do not boil or it will curdle).Pour custard into large bowl; stir in vanilla extract, 1 teaspoon ground nutmeg, and remaining milk. Cover and refrigerate until well chilled, about 3 hours.
To serve, in small bowl, with mixer at medium speed, beat heavy or whipping cream until soft peaks form. with wire whisk, gently fold whipped cream into custard mixture.
Pour eggnog into chilled 5-quart punch bowl; sprinkle with ground nutmeg.
Serving Size: 16.
