Know the Rules, Play the Game to Win – Financial Literacy – How it Can Affect Your Financial Future

Know the Rules, Play the Game to Win - Financial Literacy - How it Can Affect Your Financial Future

image source

The first step is Preparation: Do you think any successful doctor goes into the operating room unprepared? Operating on you based on general statements about what he heard on the news… or what his next door neighbor told him was the newest and latest procedures for a triple by-pass surgery? If so, would you allow this doctor to perform surgery on you? If not, why do you allow yourselves to work on your family’s finances? If you don’t know the rules, can you really play the  better yet, can you play the game to win? Why then are you surprised when your family’s finances look really similar to the person that was operated on by the untrained surgeon? (Jacked up!)

If you don’t know what tax bracket you are in, if you don’t know how much you are paid before taxes and after taxes, if you don’t know that you should pay yourself 1st before the bill collectors, if you don’t know what your monthly outgo is and your monthly income is… you might have not seen the playing field. If you don’t know what a 401k is, or how much money is being put into it; is it a Roth Ira or a Traditional Ira; you probably can’t manage these accounts effectively. If you don’t know these things, you are probably not aware of how much you are spending and where the money is going.

My challenge to you is simple! Figure it out. Know these numbers and create a weekly plan to make sure you are headed in the right direction. It might be helpful to step back, take a look at the large picture and see your finances as a blue print. If you step back, do so some preparation, you might be able to …

» Read more

How Open Source Can Help You Start an Online Business on a Shoe String

How Open Source Can Help You Start an Online Business on a Shoe String

image source

Open source can be defined as: The practice of development, in may cases, of computer software where the source files or codes are made freely available to the public. Open Source presents a framework that in many cases have been tried and tested. Hundreds or sometimes thousands of programmers work to create one solution.

Examples of popular and widely supported Open Sources for Internet businesses include; Joomla and Drupal for web development, OS commerce, Magento, zen cart etc for shopping carts

1.Support

When your system is built through Open Source, you have thousands and sometimes millions of other users using a similar product, if you run into problems, all you need to do is post a question and within hours and sometimes even minutes, someone with a similar problem or who has encountered a similar problem before will be able to provide a solution for you

2.Choice

Using Open Source presents you with wide choices. Because there are many developers who have access to the codes, you can easily get another developer to customize your project should the first one fail. When your system is developed from scratch, you are at the mercy of that particular developer, if you were to transfer that code to a second programmer, not only will the second programmer have a steep learning curve, if the system was not built and documented in accordance with a standard methodology/development procedure, then the second programmer might find it absolutely impossible to build upon it

3.Security

Contrary to many claims that open source are not secure, open source are secure and this is why; when you use an open source, thousand other developers take time to test the code. If vulnerability is discovered, a post is made in the discussion forum or an email is sent …

» Read more

Beauty Routines to Enhance Your Skin

You may be a beauty and skincare fanatic. You spend countless hours prepping and taking care of your skin. Or perhaps you like to keep your beauty routine as simple as possible. Either way having a beauty routine enhances your natural skin. Having a stable beauty routine can actually help fix some of your troublesome issues with your skin. 

Beauty Routines to Enhance Your Skin

For some people its things like wigs summit nj or for others its shopping at malls and for some having an extensive skincare routine is their thing. But we have broken-down hour-long beauty routines to the most important steps. Below is a step by step guide on a regimen we all should follow that will help improve your skin and make it incredibly healthy. 

The first part to any beauty regimen needs to be making sure you keep your skin clean and healthy. Genetic factors, environmental factors, oil and dirt affects our skin in major ways. One of the best ways to get rid of the harmful effects on our skin is by using a cleanser. Different cleansers work for different skin types. But regardless of skin type, make sure to use a cleanser that gets rid of oil, dirt and makeup without drying out the skin too much. 

Next, comes your serums and oils. Once the skin is clean use serums and oils to treat the skin. These skincare products can help with under eye dark circles, blemishes and dark mark, fine lines and wrinkles and dehydrated skin. 

Moisturizer is a common step that is missed but all skin types need moisturizer. Heavy creams work best for dry skin. Oily skin types need to stay away from creams that are packed with oils. Instead opt in for a jelly moisturizer. Lastly, SPF is needs to be applied to the skin …

» Read more