Is Your Web Hosting Company a Good Business Partner?

Is Your Green Web Hosting Company A Good Business Partner?

Ethics in Web Hosting UK

It Sure Better Be!


Because your web host is your partner in on-line success. Look, there are lots of options available when you start shopping around for web hosting services. You can go with a free hosting site. Only problem is those freebie hosting services make their money by placing their ads on YOUR website. And you have no control over what ads appear on your site.

Not good. Especially when quality hosting services are available for as little as $7 a month. You lose more than that in the couch! So, hosting is NOT a place you want to cut corners, even if you’re taking your first plunge into the world wide web. Especially if this is your first digital endeavor.

Now, there are low-cost hosts but these companies have to cut corners somewhere. So, tech support is 12 time zones away from the server where your web site resides – or used to until you got the dreaded 404 error message when you logged on to your own web site. Site not found! What the heck?

Or, these companies scrimp on things like security, leaving your web site more vulnerable to hacker attacks from the server side – from your low-cost web host. However, you don’t have to spend a bucket of cash to find a hosting company that maintains multiple layers of security, protecting your site from malware injections from the server side of your business.

In any on-line endeavor, whether your selling products, services, or just getting out a message to the world, your web host IS your on-line partner so it pays to choose wisely.

What should you look for in a good W3 partner? What should you expect from the web hosting company you choose? A lot and plenty of it.

1. A client-centric corporate culture.

This includes everything from humans who answer the telephone when you call with a question to fair pricing to a tool box full of free goodies.

You want a hosting company with a long lineage of web hosting experience. Anyone can buy disk space and resell it. Anybody can buy a server and cram 2,500 web sites onto that server. Are these the kind of digital partners you want for your new launch? No.

You want reliability (a 99.9% uptime), longevity in the web hosting space (experience), and a business that recognizes that YOUR business success is essential to the hosting company’s long-term success.

This is a mind-set that starts at the top and infuses virtually all aspects of delivery of hosting services – from delivering more for less to fixing problems within minutes. This client-centric approach to web hosting should be a critical part of your research and your decision to partner with a hosting company.

You want to partner who’s as engaged in the success of your web site as you are.

2. Security like you wouldn’t believe.

Quality hosting companies are current on the latest viruses, the fastest hacker tactics and the latest black-hat scam to come down the Information Superhighway.

So, to fend off attacks from hackers, crackers, script-kiddies and other bad guys, your web-host-web-partner maintains a hard-wired firewall, firewall software that’s updated regularly, anti-virus software that protects your business assets and anti-spyware software that keeps key-loggers at bay, protecting your on-line business.

You can protect your business network at your end. You should protect against everything from analog theft (someone walks off with a laptop) to subversive viral attacks in unchecked emails (scan it first), but if your web host doesn’t deliver server side security, you’re much more susceptible to attack – a headache you just don’t need.

3. A complete web site tool box – FREE!

Starting a web business shouldn’t cost an arm and a leg. It should be available to anyone with the imagination to envision success on the web – and that’s millions of us all around the globe.

A good, on-line partner, your web host, should provide virtually all of the tools you need to launch a web site and build it to profitability or some other measure of success.

Look for web site templates to eliminate the cost of a pricey designer – and not just a few cookie-cutter templates. Your web host should offer hundreds of options, and the really good ones offer thousands of template options that you can customize so they don’t look like a template site.

How about a free shopping cart and secure checkout. That’s a “must-have” for any commercial site and you want it free. Same with a database, client management software, expandability, customization and integrated solutions to routine, on-line activity. Free.

Before you sign on with any host, check to see what the toolbox looks like. You should find everything you need to build a site, launch a site, promote a site and manage daily operations – and all in modular form so each piece of the on-line business puzzle slides right into place.

4. Partnership Benefits

A good business partner brings something to the table – something you can use to your advantage right from the start.

Low-cost and high levels of client care are certainly benefits but what else does your web host bring to the table? How about specialized features you can use – like “green hosting” – a web host with a commitment to the environment and employs green technology to generate the juice, cool the servers and run the office. By going green, you make a statement about your own corporate culture and company values – an important part of building an on-line brand.

How about U.S.-based client support and make that 24/7, please. You know that some web hosts only equip clients to contact home base through email? Is that your best choice for an on-line partner? When your site is down? And you don’t know why?

You want to talk to a techie who can walk down the hallway, provide the security data required to enter the locked-down server room, and fix the glitch that took your site off line. When your site is off line, you’re invisible to both site visitors and bots and if either is unable to access your site, you’re in a heap of trouble.

Look for cost savings opportunities. For example, does your host save you some start-up cash if you pay a year in advance? Take advantage of the savings because, with any start-up, cash is king. Can you buy more server space as your business grows without having to move up to a more expensive tier? A good host will let you grow a gigabyte at a time without gouging you with increased monthly fees that eat away at your margins.

How about a free, 30-day trial period to see if you can make this thing fly? A good partner doesn’t lock you in to some long-term deal, either.

Some web hosts take your money and run. Trying to get a hold of top-level tech support is like going through a root canal. So, what does your top-choice web host bring to the table?

5. Easy to get along with.

You want a partner that’s easy to get along with – is helpful and always there.

You want a web host that’s interested in your web-based success. These companies deliver lots of free goodies, security, customization and free and easy access. You want a knowledgeable human being with endless patience to answer the telephone – someone who will work through your questions, provide answers and solutions when you need them, which is like yesterday.

You want to do your research before choosing any web host. It shouldn’t be a decision that’s based on cost because you can get quality hosting at a low monthly cost in this highly competitive realm of the W3.

Read the terms of service. Take a test drive of the administrator’s console and build a test web site the way you want it. And when you have a question or run into a problem, you want a partner who will answer the phone, provide the answer and fix the problem.

Take your time. Choosing the right web hosting company is probably the most important decision you’ll make in the early stages of business growth.

Take your time. Read the corporate culture. And go with a green web hosting provider that works hard for your success. After all, isn’t that what you want in an on-line business partner.


Home Foundation Issues

A solid foundation is essential to ensure that the structure of your home stays undamaged and remains upright and sturdy. However, sometimes the foundation becomes weak and damaged due to soil expansion, settlement, or other reasons. Unless this issue is fixed promptly, the house can suffer extensive damage. This problem will continue and eventually turn from one problem to several. If you suspect that the foundation of your house is weak, call an expert foundation repair company for an inspection.

Symptoms of a Damaged Foundation

When the foundation of your house is damaged you will notice cracked walls, bowing or buckling walls, tilting chimneys or walls, uneven floors, and possibly jammed doors and windows. When you come across any of these signs, you need to contact a foundation repair company in order to limit this damage. If left unattended, or if you choose to ignore the problem, the foundation will become weaker and the structure of your house, can and will suffer. On top of that, uneven floors and cracked walls are unsightly. You take great pride in your home, when it deteriorates, this can affect your morale and quality of life.

Replacement vs. Repair

Many general contractors will suggest that you replace the foundation instead of repairing it. However, a good foundation repair company will be able to save you money and time by repairing it. Replacing your foundation outright does not solve the problem since the underlying cause of the damage still exists. Replacing your foundation will be much more expensive and time consuming. For instance, foundation replacement involves digging around the perimeter of the house, lifting it up on stilts, and then rebuilding the foundation. The extensive digging is also likely to damage your landscaping (think about your garden, or your trees, or both).

On the other hand, foundation repair undertaken by a dedicated foundation contractor, that uses the latest technology, will save you time and money. They will install the foundation repair devices in a week with minimal digging around your home. Additionally, the devices such as a wall anchor will provide a counteracting force against the expanding soil, offering a long-term solution to your foundation problems. The wall anchor can also straighten your bowing wall over time. The foundation repair products come with a written warranty, and guarantee.

Clean Work

When you choose a foundation company that will undertake specialized foundation repair work, you should know that when they leave and when they say the job is finished, any mess or trash they create will be picked up and properly discarded. They will not leave your home a mess or dirty. When you think of them, they want brightness and professionalism to be thoughts correlating with them, not sloppiness and rush jobs. If they have to remove a plant(s) to gain access to your foundation, they will return that plant, or plants, to its original location and in a healthy state.

Restore the Appearance of Your Home

By choosing to have your foundation repaired you will be able to, once more, live in a house with even floors, level living spaces, and smooth walls. Foundation repair will ensure that your doors and windows do not become jammed, making life easier and simpler. Things should work as they should. Your home will appreciate you, so will your real estate agent, and now dinner conversations can be on sports and family, not on your home’s sagging foundation issues.

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Getting a Quick Loan

It is very necessary to ascertain first the kind of loan you might be eligible for. Analyzing your current financial situation and understanding which kind of loan you qualify for or what you should look for saves time and gets you a loan fast as well. This means, it is necessary to know that whether you should be going for a unsecured quick loan or a secured loan.

Secured loans need collateral which is something valuable you own like property, car, bonds etc. Unsecured loans are also know as signature loans and getting funds through credit card with the help of a bank or credit union is a very popular way of getting unsecured loans. These loans are termed as signature visit this page now loans because of its flexibility to provide loans in return for just a signature. Getting money from friends, family or colleagues is also one of the options and it is called I.O.U and only aspect which is doesn’t sound good is that you old bond with the person can get hampered with in case of you cannot afford to shell out payment as scheduled.

Having a good credit record makes it easier for you to acquire loans and also means you don’t have to ask for money from friends or family. Credit union and banks would be more than happy to give you loans and if the amount you plan to borrow is a huge sum, then you should get a secured loan. This is because they have low rate of interest whereas if you are in need a loan fast of smaller amount, the high interest is offset by the small value of unsecured loans.

Many financing agencies are ready to lend help you in your financial crisis even when you are suffering from poor credit ratings and the reason behind this is they charge extraordinary rate of interest. Getting similar loans from banks is not possible because in simple words, they don’t like taking risk and they don’t trust your capability of repaying back on time and therefore if you need a loan fast here, it would never be sanctioned there.

Acquiring a much safer secured loan is a good option but it comes with its own price which is collateral, which can be jewelry, car, home, bonds, etc. Make sure you do understand the total sum of money in the given tenure and calculate beforehand whether you would be capable of repaying the loan or not. Incapability to pay back the loan on time, your collateral would be attached which means it would be confiscated and your home, which is most commonly used as collateral, and if you have done the same thing, you will no longer have your home


Three Killer Mistakes in Government Contracting

Owners of small businesses from all over the U.S. sold over 83 billion dollars of services and products to the U.S. federal government in just the last federal fiscal year. Of that total, those businesses that are certified as 8(a) sold $10.3 billion in services and products.* If you are not as successful in the market as you want to be, you may be asking yourself: “What do they know that I don’t?”

Even successful contractors will tell you that they have made many mistakes learning the ropes in this market. After all, it is a tough, complicated and rigorous market that demands expertise, dedication and perseverance before success is achieved.

While all contractors have made mistakes when trying to enter or become more successful in the government market, successful business owners have learned from their mistakes, make the necessary changes and move forward to greater business opportunities and larger contracts.

As you read through the top three killer mistakes listed here, note those that you recognize and make the changes now. You will start to see benefits and the doors that were slammed tight will start to open for your business.

Killer Mistake #1

Does Your Business Look Like a Risky Business?

This is a core issue with government contracting. Often we are talking about not just thousands or hundreds of thousands, but millions of dollars in contracts crystal-method. Contracting officers and other decision-makers have been trained to choose the least risky of options. As tax-payers, this is a good thing. And a business people who want to win contracts, once you know and understand this, you can take the steps needed to make your business stable, secure and as capable as possible.

What Exactly Does a Risky Business Look Like?

A risky business has no track record. It has no customers that could be asked for a reference. It has no bank account. It has no credit history. It has no web site. The owners use AOL, Gmail, Yahoo and other free email services for government communications. The business has not been registered in CCR. There is no commercial phone number, just a cell phone. It has no employees and no record of making tax payments.

Since all government contracting officers are, by the nature of their jobs and their legal responsibilities, risk-adverse, the more steps you can take to mitigate the risks the better your chances are of being successful.

Take These Steps to Mitigate Risk

There are specific steps you can take to make your business be as stable and secure as possible. First, know the requirements of being a government contractor. For instance, all federal contractors must be registered in the Central Contractor Registry (CCR), a federal government web site. When you successfully register at CCR (or with your state or local government if you choose to target them first), you show that you understand and have the legal basics required (company name, bank accounts, etc.)

If you have sold products or services to anyone else, you will want to ask three to five of your customers to be a reference for you. Contracting officers will check references and if your references are good, and are willing to say so, this makes you much less risky that those businesses that have no references (or ever worse, have negative references!)

Other Steps That Will Build Your Credibility

Create a professional web site describing your services and products and clearly define how you fit into the government market. You can use the Capability Statement format described in the previous issue of MEA if you need help with the recommended content. Use an email address containing your website name. Never use AOL, Gmail, Yahoo or other free email services for government contracting communications as they make you appear fly-by-night and unprofessional.

Use a commercial phone number listed in the name of your business. This phone number would be used as the main, or corporate, contact number. Government also wants a separate fax number as well. It is fine to use your cell phone as your direct line, but not as a main business number.

Killer Mistake #2

You Do Not Understand the Language

Whether you are starting at the local city level, the state level or even the federal government level, every segment has its own language, processes and procedures. If you do not understand the conversations, the acronyms or procedures, you make it much more difficult on yourself.

Learn the Lingo

You will hear new terms and acronyms at every meeting, outreach session and conference. If you are unsure of what they mean, it is appropriate to ask. People involved in government contracting get very used to speaking in acronyms, technical terms and buzz-words and often do not remember that even they had to learn the terms at one point. If you prefer to research first and therefore feel more comfortable conversing with contracting officers, you can use resources such as for study materials.

Example of Lingo: Purchase Vehicle

Government entities most often do not buy products and services the same way consumers or other businesses may buy. In the private sector, when we sell something to a consumer, we often write up a receipt after they give us the money. If we sell in the business-to-business market, when we propose a complicated or high-cost service or product to another business we often use a contract that both parties will sign which includes all of the required information and payment process.

Government entities have a more complicated purchase process (with one exception). Most often, they will use something called a purchase vehicle. This vehicle is not something one would drive, but rather it is a tool or method used to buy something.

The good news is a vehicle may be as simple as a credit card. The bad news is that a vehicle may be as complicated as writing a two hundred page response to a formal proposal.

If you have heard of a GSA Schedule, that is a common purchase vehicle used by the federal government. Essentially it is a pre-approved contract where your pricing structure, your legal business entity and your services and products are all analyzed and final prices negotiated until you and the government agree. A GSA Schedule is a five-year contract, and it is renewable for three more five year periods making it a total of a twenty year-long contract.

Once you have an approved GSA Schedule, you have not made a sale, but you do have a license to hunt; and an easy tool or vehicle for the government to use when they want to buy something from you. There are other types of purchase vehicles called Government-Wide Acquisition Contracts (GWACs), Blanket Purchase Agreements (BPAs) or Indefinite Delivery Indefinite Quantity (IDIQ) contracts. These are also good examples of why acronyms are used so much in government contracting.

Accept Credit Cards

One of the best and simplest method or contract vehicle used is a government credit card. The government will make billions of dollars in purchases every year for all types of products and services simply by using a VISA or MasterCard credit card. If you accept these cards in your business, you can make many more sales. Check with your local bank for the steps needed to accept credit cards in your business.

Killer Mistake #3

The third biggest mistake that business people make in government contracting is to not be prepared before asking for and meeting with decision-makers. Most government entities, and definitely the federal government, give you all the background information you need, however, you must do the research and homework first.

Do Your Homework…First!

If you want to find out what opportunities the federal government has available right now, you would look at the web site: While every opportunity is not listed, most over $25,000 are shown and it is well worth your time and effort to use this site as a mandatory stop in your research process.

If you wish to learn what the federal agencies are projecting to buy during the rest of the fiscal year, but for which they have not yet created actual contracts, you can find each agency’s Forecast of Contract Opportunities at their own web site, usually by searching for the “Small Business Office.” This forecast is a “wish list” of what they want to buy, and a great place for you to determine if it is worth your time to pursue an agency as a target.

Another extensive resource available through the federal government is the Federal Procurement Data System-Next Generation. This is a secure web site available to everyone at: This is a database of all of the recent past government contract information. It is good for you to use to find the agencies that have already purchased what you sell. If they purchased it last year, there is an excellent chance they will need it again this year and next year too.

Eliminating these killer-mistakes will help you turn the corner to success in the government contracting market. Use these tips to build a healthy, stable and secure government contracting business.

* Source:

Gloria Berthold Larkin is President of TargetGov, a national company providing government procurement, business development, and marketing services. She authored “The Veterans Business Guide: How to Build a Successful Government Contracting Business” and created a series of Government Business Development Audio CDs and Toolkits focusing on successful business development processes for federal contractors.

Mrs. Larkin has received numerous accolades including: Enterprising Women magazine’s 2010 Enterprising Women of the Year honoree, Women Impacting Public Policy National Member of the Year 2007, the Bravo Business Achievement Award 2007, a Maryland’s Top 100 Minority Business Enterprises in 2008 and 2006, and she was recognized by Maryland’s Governor’s Office of Minority Affairs as one of the top Women Entrepreneurs.


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Buy Gold Bullion Online – Gold Bullion Investment

So, you’re looking to Purchase gold and invest? This is a very smart choice and I’d have to commend you for this decision. Why?

Well, in these unstable financial times, putting your wealth into gold is a great way to protect yourself from the recession. If you buy gold bullion it has been true throughout history that it is a “safe haven” for your wealth and even gives a potential to return growth.

Most other investments like shares and currencies can be extremely unpredictable, however when you buy gold bullion it is far more tangible, liquid & reliable. You will generally see gold bullion retaining it’s value and usually showing a steady increase which makes gold one of the best purchases to protect your savings in a failing market.

The trouble most people have when they buy gold is not the actual purchase of the gold. It is the convincing of oneself that they are doing the right thing. A lot of people get confused by mass media and television constantly reiterating things like “stock market is rising” – “we are turning a corner in the recession”.

The truth is we as a nation, as a people are in more debt than can ever be repaid. And the only solution to avoid deflation in our current depression is to print money uoking. This quantitative easing is what causes inflation. When more money is pumped into the economy than goods, the prices of goods goes up. This in essence means your money is losing value. Because it takes more paper money to buy the goods that you need. This is the sole purpose why people buy gold bullion.

When you buy bullion gold it is a hedge against the inflation created by the printing of money. It is a tangible asset. Meaning it has an intrinsic value. The majority of people think wrongly about inflation and prices. People think when the price of petrol or food goes up, that prices are increasing. The truth is our money is being diluted and becoming worth-less.

This is the fundamental reason why people buy gold bullion. As it keeps pace with inflation as you cannot create gold bullion out of fresh air, like paper money. It has intrinsic value as a commodity. So if your worried about the printing of money and the coming rising prices or devaluation of our money. Then maybe its time to buy gold bullion to protect yours and your families wealth.

Where to buy gold bullion? Well, you have many ways that you can go about this – Most major banks will have a gold bullion buying option for coins and bars If you choose to store your gold with them, they will normally charge a fee to do so.


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The White House Interior Design

There is a lot of mystery surrounding the interior design of the White House. Many articles have been written in relation to this subject but no one really knows the aspect of the hundreds of rooms belonging to the Presidential house, except for the members of the first family and the national security agents.

The interior design of the White House is subject to constant modifications as each President tries to bring an improvement to the decoration. Nevertheless, it is only the private area of the house, that is, the rooms on the top two floors that can be freely decorated. The rooms where political affairs are usually discussed occupy the ground and the first floor and they preserve the historical aspect that was created by the first Presidents of the United States.

Visitors are not allowed to enter the private section, whereas the famous Oval room, Blue room and other similar chambers are often displayed to the entire public, especially during televised transmissions. Despite the different styles of the offices, the elements of the luxuriously aristocratic style seem to prevail throughout the entire house.

Royal chandeliers, natural fabrics thebesthousedecors  and Oriental or Persian rugs are the elements that may be found in the decoration of every White House room. Since changes rarely occur in the public part of the house, many furniture pieces have been preserved since the beginnings of the White House, thus there are many interior ornaments and furnishings belonging to the Victorian age.

The only elements that are frequently changed in these offices are the curtains and the draperies. The officials choose to replace these items because this is the best method to change the aspect of the room without affecting the other elements of the interior decoration. It, nevertheless, takes a lot of effort to create new curtains for the Presidential house. Decorators use satin materials to create custom made curtains that can impress even the most luxurious Presidents of the world.

The White House is an example of stylish and refined interior decoration for conservative people who would like to arrange their house in a similar manner. People who can’t afford expensive pieces of antique furniture may at least resort to one of the many fabric stores and order custom made curtains and rugs that preserve the aristocratic style worthy of Presidential houses.


How Much Should You Save On Home Painting Costs?

When the walls within the house look like they need a thorough scrub or cleaning, the easiest thing to do would be to give them a fresh coat of paint. If you decide to do the task yourself, the painting will not cost a lot. Hence if you are concerned about the home painting costs and if you wish to do it yourself, you must consider the pros and cons of doing the job by yourself.

Hire It Out

This is what most people prefer to do. But if you wish to save money, then you might want to give it a try. First of all, you must determine if you have the required skills to do the job. wk-gaihekitosou There are some homes that have high ceilings and that will require some special skills as well as equipment. For instance, you will need tall ladders, step-ladders, drop cloths, scaffolding etc. Another important factor is the time factor and if you don’t have the required time then you may not be happy with the results.

Cost Factor

There are some paint companies who charge per room and there are the others who charge per square foot. While you may feel that hiring a professional might be an expensive affair, the entire project will go on smoothly when you let a professional do his job. Added to this, you don’t have to spend time and energy visiting home improvement centers and gathering materials and information. All you need to do is to simply choose the paint colors sitting within the comfort of your home and then hire a professional painter to do the job.

Cutting Corners

Although doing the job yourself can help bring down the home painting costs, you will have to be sure that you don’t botch it up. A messy job will be easily noticeable and the end result might be quite frustrating. But if you only have a few walls or few small rooms to paint, then you could simply go ahead and do it yourself.

Wall Coating

Apart from the painting, one has to include the interior and exterior wall coatings while calculating the home painting costs. A coating is an additional protective layer that can help prevent your walls from being damaged. While you do the painting, it is essential that you invest a bit more to ensure that your walls are well protected. The walls tend to get damaged when the coating is not done. While there is no physical damage, the damage is normally due to changes in the atmosphere as well the environment. The natural elements such as hail, snow, rain and sun can have adverse effects on your freshly painted walls. Hence, it would be better to spend a bit more to get the interior as well as the exterior coatings done.

It does not help to merely cut down on the home painting costs but you must ensure that the money you have spent on painting, does not go in vain.

My name is Fem Mascenon and I thoroughly research and write about exterior house painting []. Please visit my site at [] to learn how to do exterior house painting by yourself and save tons of money.


Earnings Are As Important As Contributions to Your Retirement Savings

Just contributing to your retirement savings is not enough. You’ve got to make them earn decent returns so their compounding effects significantly add to what you eventually accumulate. To settle for pathetic investment earnings makes saving for retirement only a contribution game with meager results. This article shows the kind of earnings you need to compound your way to a decent retirement.

Government-regulated retirement programs, like your 401(k), 403(b) or IRA are geared to help you save for retirement. Though their annual contributions are limited, they’re deductible from you working income. This helps you contribute more to your savings than using after-tax dollars. kasegu-hyouban001 Their tax-deferred growth allows all your earnings to contribute to the compound rate of your savings without any loss annually to income taxes.

I’ve constructed an example to show how important it is to get decent earnings on your investments to accumulate significantly more and to make your earlier contributions pay off.

Let’s consider that you have 40 years over which you can contribute and grow your money. But there are two different contribution options by which you can choose to contribute. The first option is that you contribute just $1,000 (i.e. $1K) to your savings every year for the first 10 years. But then you don’t contribute any more for the remaining 40 years; you just let your 10 years of contributions grow by its investment earnings. Your total contribution under this scenario is $10K. Let’s call this option the ‘$10K early’.

The second option is that you forego any contribution for the first 10 years, but then contribute $1K per year every year for the last 30 years. Of course these contributions will grow also by their investment earnings, too. Your total contribution in this second option is $30K – three times as much as in the first option. Let’s call this option the ‘$30K late’.

Now, let’s compare the resulting accumulations after 40 years for both these options for different compounding rates. The compound rate is that amount of investment earnings annually left in your savings to grow- not lost to taxes or fees. A 4% earnings rate that lost 25% of the earnings to taxes would compound at 3%. A 4% tax-deferred earnings rate has a 4% compound rate.

4% compound rate accumulations:

After 40 years at a 4% compound rate, the ‘$10K early’ accumulates to $40K (4 times what was contributed), while the ‘$30K late’ accumulates to $58K (about 2 times what was contributed). So you ended up more with the late contribution option – but of course you contributed 3 times as much.

6.3% compound rate accumulations:

After 40 years at a 6.3% compound rate, both contribution options accumulate to $88K. This compound rate was chosen to produce this result. Clearly, as earning rate increases so do your accumulations. But now those early contributions earn far more: 9 times more than the $10K early contribution, and only 3 times more than the $30K late contribution.

8% compound rate accumulations:

After 40 years at an 8% compound rate, the $10K early contributions accumulated to $157K while the $30K late option accumulated only to $122K. Again, increased earnings accumulate more. But now your investment earnings are contributing a greater share to your accumulations.

The magic of compounding is making those early contributions win out over larger later contributions. Comparing final accumulations, the $10K early option achieved almost 16 times contributions versus a little more than 4 times contributions for the $30K late option.

Higher earnings not only produce higher accumulation amounts but a huge difference for when the contributions are made.

Learn to make your savings work hard:

Recognize first that getting higher earnings rates significantly enhances your final accumulation no matter when you contribute over a long time. But, second, they make those early contributions work hard at earning much more than later contributions.

Many people waste their savings in low earning savings vehicles. They play it too safe or pay too many fees – or both. Though they worked hard to contribute to their savings, they dropped the ball on making those contributions do their share of earning.

You should be able to get your investment earnings over 6% at least – and ideally up to 8% – and more. These growth earnings are below the average for stocks over 80 years (1926-2006) as shown by Ibbotson Associates.


10 Tips for Looking Good Each Day

Some people think that looking good is about being perfectly groomed, as if from a glossy magazine. But some people look a little wild, quirky and dishevelled and yet something about them means they always look wonderful.

Here are tips for looking good each day:

– A ready smile and cheery disposition often feature high. Someone who’s warm, chamlooks  friendly and enjoys life will radiate an inner glow and beauty.

– Be ready to say yes, be enthusiastic, join in and be willing to have a go. Attractive people often have a genuine interest in life. Have something in your diary to look forward to.

– Maintain a positive mindset by focusing on the good things that happen each day, even the small things like a stranger’s smile, a compliment, the view from your window.

– Don’t take things personally. Someone else’s bad mood may be about stuff that’s on their mind. Protect yourself from external stress.

– Look after yourself. Your health affects how you look. Exercise regularly, with breaks for nutritious food and water. Support good quality sleep; we all feel better when we’ve slept on a problem. Introduce positive habits; switch off your technology, allow time to relax before bed.

– Forgive yourself your shortcomings and mistakes. Value constructive criticism when a learning point’s included. Treat yourself with the same compassion you would another person.

– Engage professional help to deal with any negative patterns of behaviour or issues you may have. A good counsellor or hypnotherapist can support you in becoming stronger and more confident.

– Accept help. Let friends, family or colleagues provide support, ideas and input. It may be appropriate to ask for help sometimes. Communicate regularly and invest time and attention in your relationships.

– Consider your appearance, the impression you give. We may have an everyday ‘uniform’ in order to dress quickly and look acceptable. Impartially assess your style. Do you need to refresh your image, your makeup? Visit a different hairdresser or barber so you’re styled by a fresh pair of eyes.

– Do things that make you happy. Read a book, enjoy a hobby or interest. Listen to music or join a stimulating evening class. Things that make you happy help you to look better.

Looking good comes not just from being clean, tidy and well-groomed. It’s also important to invest time and attention in your mental and emotional wellbeing too.

Susan Leigh, counsellor, hypnotherapist, relationship counsellor, writer & media contributor offers help with relationship issues, stress management, assertiveness and confidence. She works with individual clients, couples and provides corporate workshops and support.

She’s author of 3 books, ‘Dealing with Stress, Managing its Impact’, ‘101 Days of Inspiration #tipoftheday’ and ‘Dealing with Death, Coping with the Pain’, all on Amazon & with easy to read sections, tips and ideas to help you feel more positive about your life.

Accept help. Let friends, family or colleagues provide support, ideas and input. It may be appropriate to ask for help sometimes. Communicate regularly and invest time and attention in your relationships.

– Consider your appearance, the impression you give. We may have an everyday ‘uniform’ in order to dress quickly and look acceptable. Impartially assess your style. Do you need to refresh your image, your makeup? Visit a different hairdresser or barber so you’re styled by a fresh pair of eyes.


Get Your Team Noticed Instantly Fame

Collectible college sports are the items that are on sale which help promote a college team and help them reach heights. There are various college sports that are played in America, most of which would go unnoticed if not for these collectible college sports. The memorabilia available in all leading stores or the websites are a way to reach out to the public with collectible college sports rankings. instantfamez  This will benefit the team in increasing their revenue, which in turn would reflect on their ratings and finally on how well they fare in the game or not. Based on this, they might get a chance to play in the Super Bowl.. Trying to prove oneself and create a name is not a easy task, but can be achieved through hard work and support of fans. This is especially true for anything related to sports. If the fans flock the stands to watch a team play, waving the caps and jerseys with the team’s names on it, it is a sign that the team is faring well. The same applies to teams that have fought hard and come up to qualify for the major leagues.

National football league (NFL), National basketball association (NBA) or the Major league baseball (MBL) are all sports that are played by various colleges across the country. There are some who fare better because they have seasoned players or a professional coach controlling the team. But these teams too need back up and support from their fans all the time else they will go down without a trace. As long as people keep buying the collectibles, the market for the team will remain and they will be remembered by all. Once their performance goes down, so will their ratings and they might get taken out of a league or championships losing out on a chance to make it big.

The Georgia Bulldogs, USC Trojans, Florida Gators are all teams that have been playing well in the NCAA arena and their collectibles can be bought off any recognized stores or websites. The key chains, or T shirts , or polo neck shirts with the teams colors on it draw a huge crowd and there are the others who buy the pack of cards with the team logo on it or maybe a mug with their picture on it. Or they could pick up a smart wallet with the logo embossed on it. If they are fond of a particular player, they will look for collectible with his face or autograph on it. The collectible college sports is a smart way to get the college recognized and bring some fame to the team that plays the sport well. The collectible college sports is also what big companies base their judgment on whether or not to sponsor a team on. Thus, it is very important to do the right kind of promotional and marketing strategies for the team which will help them and not make them seem desperate for some attention.