The Kid Casino

You may not realize what that credit card bill is doing to you…

Bob is a 27 year old truck driver. He dropped out of college after one year and got a job. With hard work and good luck, he is making about $35,000 a year. Bob is passionate about remaining debt free. He drove his old car from high school until he could afford to pay cash for a newer one. He rented a cheap apartment until he saved a solid down payment on his house. Even during the lean months, he steadfastly refused to build up a credit card balance he couldn’t pay off at the end of the month.

At 27, he’s decided he’s tired of his job and would like to change directions. By living within his means and staying out of debt, Bob has enough money in the bank to take some time off, get a part time job, and go back to school. He has visions of owning his own business one day soon - and there’s nothing to stop him.

Now meet John. John is in his 40’s and is in upper management with his company. He’s making more than double Bob’s salary, but he’s had a different outlook on life. John has never been afraid of debt - he figured as long as he could afford to pay the bill he was ok. He has a very nice house, a brand new $40,000 car, lots of new sports and recreation equipment, and travels extensively on his vacations. And he’s done it all on credit. John was living this lifestyle before he could afford it. Now, he’s almost tapped out - his credit cards are maxed out, his house is double mortgaged, and even though he’s making a great income, he has lacks the lifestyle, peace of mind, freedom, and opportunity Bob has.

Externally, anyone who saw the two would think that John is the greater success. But the truth is John is trapped. He may be tired of his job. He may want to do something else. He may wish he could spend more time with his family than at work or have a business venture he’d like to pursue. But he spent his money before he had it, and now he’s paying the price.

Most of us think that the key to Financial Freedom is making a lot of money, but we see from our two examples that that’s only part of the equation. The other part is lifestyle management and debt avoidance or debt elimination. If we plan wisely, stay out of debt, and control our desires to spend beyond what we can afford, we can enjoy a great amount of financial independence and have money to spend on things we really want to have and do, even on a very modest income.

However, for most of us, this message comes too late. Anyone buried in debt will agree that it would have been better never to get into debt. But that doesn’t help much now. What we need now is some help undoing the mess we made.

Stay out of debt. If you’re in debt get out. Don’t take out another loan, declare bankruptcy, or sign up for credit counseling services, which can damage your credit. Instead, do your homework and educate yourself on the steps you can take to get back on solid financial footing, no matter what your present situation is.

—
Leonard Hopkins is a 30 year old internet entrepreneur. His purpose in business is to help people from all walks of life gain relief from the money trap that many have fallen into.

His websites are http://www.smartmoneyonline.com and http://www.freedomsociety.net

Those schools, bands, sports teams, churches, groups who hold our Plus Pizza Card Fundraising program over a holiday period are very successful in their fundraising efforts. The reason is simple: during a holiday period your group members will see many of your relatives and friends that they would not ordinarily see. This presents a perfect opportunity to ask them to make a small purchase of a pizza card (or whatever else you might be offering to fundraise for your group fundraiser).

Contrary to popular wisdom, the season between Thanksgiving and Christmas is an ideal time to fundraise. People are busy shopping for holiday gifts but they are also looking for unique gifts, stocking stuffers, party gifts, etc. Your school, band, team, group fundraiser is the perfect answer for these unique gift shoppers.

If your fundraising product is one that is easy to handle such as the Plus Pizza Card, group members can encourage purchasers to purchase additional pizza cards to give as gifts.

As a matter of fact, one PizzaPlusCard.com fundraising group participant encouraged a local real estate business to include a business card sized Plus Pizza Card in their holiday cards. This resulted in 78 cards being sold to this realtor who used the pizza cards as a public relations gesture to help the group fundraise and to also remind her clients that she cared enough about them to provide them with free pizzas over the entire year.
A pizza card will usually be able to be used for an entire year to get 20 free pizzas on a “buy one, get one” basis. And, best of all, each pizza card is purchased for only $10 dollars (with your group making $7-$9 in profits per card sold based upon group sales).

So, this Thanksgiving (through the holidays), run a successful fundraiser. Ask relatives, friends and neighbors, want some pizza (pizza cards, that is) with that turkey?

Amazing as it may seem, homes inspected prior to going on the market have two very significant attributes:

1. They sell faster than homes not inspected until the buyer has made an offer.

2. They sell closer to the asking price than homes not inspected until the buyer has made an offer.

Why the heck does that happen?

When the buyer makes an offer, there is an assumption made by the buyer, reasonable or not, that there is nothing wrong with the home! If there was something wrong with the home that the seller knew about, but did not disclose, shame on them, it is about to cost them money. Most often, though, the items that come up on the inspection by the buyer were unknown to the seller. Sur-prise, sur-prise, sur-prise! And we’ve already established that surprise is not good in real estate. So how is it that the inspection for the seller makes the buyer pay more for the home and do it in less time?

Let us create an example of a 20-year-old home that has a fair market value of $100,000, just to make the math easy. That value assumes that nothing is wrong with the home. When the buyer has the home inspected it is with the assumption that anything discovered to be wrong will be corrected by the seller or a price concession will be made.

Now, let’s consider that the buyers inspection revealed the need for a new roof, several plumbing leaks, and the need for replacement of three exterior doors. When these discoveries are made by the buyer’s inspection, the clock is running and running fast. These items need to be corrected before the sale can be completed. This time crunch puts the seller at a disadvantage when dealing with the contractors. When time is critical, you have fewer choices and the costs go up. Additionally, the buyer often wants to have input on who does what work.

This situation is always tense and expensive. It can be avoided!

Let us now assume that the inspection result occurs, but it is for the seller as the home goes onto the market. The seller is now in control. Armed with a clear picture of what is wrong, the seller can choose to shop calmly for the best value in repair contractors, offer a credit at closing or adjust the sales price to reflect the diminished value. They can even make the necessary repairs, then increase the price of the home to reflect the increased value!

No matter the choices made, the seller, on the seller’s time frame, makes them. This actually makes for a neater, simpler buying decision for the buyer. The buyer knows better what condition the home is in and knows what issues to base the initial offer on. The buyer will still in most cases get the home inspected, but this is a breeze. It is rare that any additional items of significance arise.

The pre-listing inspection puts deal killing at the lowest risk. Most often, it makes for an awesome deal-closing tool!

About The Author

Wally Conway is President of Florida HomePro Inspections, and has recently written a book entitled “Secrets of the Happy Home Inspector”, available at GoHomePro.com or Amazon.com. Wally’s expertise and experience has been sought after by HGTV’s “House Detective”, the Florida Times Union, and many real estate boards and associations. As a speaker, writer, instructor, and host of The Happy Home Inspector radio show every Saturday at 3 PM on WOKV 690, Wally blends the right amount of up-to-date information with just the right amount of humor, insight, motivation, and real-world application. Visit WallyConway.com for more information!

Copyright © Florida HomePro, Inc. and Wallace J. Conway. All rights in all media reserved.

info@wallyconway.com

Hair is an important aspect in a person’s look. Every day almost every person thinks about what hairstyles to use or how to take care of his hair. The hair care methods are vital in having a great hair resulting in a great image. I will try to share with you some hair care secrets and advice that always worked for me.

Hair Care Tips

1. First of all you have to love your hair. You have to love it because it makes you look good, it gives you real advantages. But belive me that there are hundreds of people that hate their hair. And that’s not good because if you don’t like your hair then you will probably neglect it. You shouldn’t hate your hair because, even if it’s not such a beautiful type of hair like you see at other people on the street there are many ways to make it look real good.

2. Accept your hair for what it is. It doesn’t matter what kind of hair you have, thin, wavy, curly or stick straight, just accept it and respect it. If it’s curled than don’t try to straighten it. Using different damaging chemicals and methods to change your hair type it will practically destroy it. A person with curled hair will be desperate to straighten it up. A person with straight hair will surely want to get it curled. So try to make changes to your hair in the most kindly way.

3. Maintain your hair with pride and consistency. Depending on the length and style, have it trimmed appropriately. If you wear your hair short, have the style refreshed every 3-4 weeks. If you are growing your hair longer, have it trimmed every 6-8 weeks to remove split ends.

4. Choose a real good stylist for your hair styles. The styles has to respect your hair and all your demands and needs. Try too chose stylists recommended by friends.

5. Invest all the amount of money that you can afford on the best hair care products that you can find on the market.

6. Try to have as many activities as you can that are healthy for your hair. The hair is a part of your body and you should treat it well too. Exercise, eat well and avoid smoking and alcohol.

7. Try to pamper your hair once a week minimum. this means having a hot oil treatment or taking Essential Fatty Acids (EFAs). Also try to have a scalp massage as often as possible. If you treat your hair good belive me that it will respond.

All in all the hair is an important part in your body that should be well taken care of. Try to spend as much time as you can for your hair care.

If you’re looking for quality Natural Hair Care products or Afro Hair care then just visit our site.