Real Estate

How to spot a timeshare scam

Offering your current timeshare for sale can be problematic with the existing economic system. Unfortunately, countless timeshare scammers are likely to reap the benefits of this financial susceptibility, adding to the growing increase in timeshare fraud and scams. Inexperienced providers are often the victims of timeshare fraud or improper marketing and advertising strategies and, out of desperation, jump to rash or reckless conclusions without proper investigation.

While the new Florida Timeshare Law helps protect against fraud of this nature, there are a few things to watch out for, involving a timeshare reseller. Be careful with any of the following:

  • An Initial Charge for Any Reason: There is certainly never a good enough reason to shell out an initial fee to advertise your current timeshare. Whether a business is selling you ad space on its “highly visible” website, or perhaps guaranteeing to secure the deal for a “ready and waiting” buyer, it is rarely worth the risk of paying upfront for help. . and vulnerable vendors to cut all checks to “close a deal,” while advertising sites require a fixed payment to register your home among large numbers of other people “without a guarantee of sale. Yet instantly in which they get their cash, what is their incentive to exchange their timeshare?
  • Repeated Cold Calls – Any reseller generating unsolicited phone contact should be suspicious. Be definitely wary of resellers who repeatedly contact you or make an effort to concern you in any way.
  • Lack of current real estate licenses – Licensed agents’ movements can be verified quite easily by state boards in conjunction with other land providers; providing maximum transparency and truthfulness to your timeshare resale services. The American Tourism Development Association (ARDA) strongly recommends that individuals looking to buy or attempt to sell timeshare in the resale industry use exclusively certified real estate agents.
  • Lack of BBB Accreditation: The job of the BBB, the Better Business Bureau, is to verify honesty and overall performance in the consumer marketplace by: setting benchmarks for faith in the marketplace; advocate and promote the best strategies; create a community of honest firms and object to poor market performance. When a reseller or agent does not achieve BBB accreditation, it could be an example that BBB cannot support their business strategies.
  • Outlandish Promotions – Sound Too Profitable To Be Authentic? Maybe it is. The truth is, timeshares depreciate dramatically as time goes on. If a reseller or merchant claims to be able to recycle their timeshare for close to what they bought it for; consider.

Prefer a reseller or broker who talks honestly with you about your real estate rates for resale, and gets a fair business survey to get you a benchmark.

In the event that a reseller or agent exhibits some of the above characteristics, seriously consider dealing with them. To ensure you are receiving reliable brokerage assistance, select an established and BBB certified real estate agent, and remember, never pay an upfront cost to promote your timeshare.

Shopping Product Reviews

Online game

Online gaming is all about community, so in addition to the in-game chat and Messenger-based invite capabilities of our new multiplayer games, we’ve been researching new social and community features for both the games and our site. in general. That’s part of what makes online games what they are.

The games are so great that they are practically mandatory, and being good at games can be a great social aid. Games Does Google’s recent game advertising patent present a dream come true for marketers, a nightmare for gamers, or something in between? Gaming communities are powerful, profitable, and yet very fragile. Games, the firm notes, are one of the fastest growing entertainment sectors, outpacing feature films in terms of revenue generation. Games are inherently social and games have been closely related to building relationships and social hierarchies throughout history.

Games can be immersive for many different reasons. Online games refer to video games that are played over some type of computer network, most commonly the Internet. Online games can range from simple text-based games to games that incorporate complex graphics and virtual worlds populated by many players simultaneously. Many online games have associated online communities, making online gaming a form of social activity beyond single player games.

Clearly, online gaming has made its mark as an Internet feature that is here to stay. However, originally, the online gaming audience consisted solely of die-hard gamers who were willing to put up with difficult setup and expensive fees. Regardless of the positive implications of online games, this increasing percentage could be alarming and frightening, as it presents a picture that children will spend more time in front of a computer, limiting the amount of face-to-face interaction that children have. kids experience.


True nature of reality

Every moment of our life is filled with impermanence and yet the common tendency is to not pay attention to it at all unless you are familiar with it. Upon awakening, is your first thought about impermanence? Very unlikely! However, one night passed and from then on impermanence looms over anything from anywhere. Can you say otherwise? Is there something that exists permanently unchanged? Leave the room, the moment is gone. Who knows if you will return! What comes to mind spontaneously when speaking of impermanence is Buddhism. Have you ever considered its mortality, its variability? Have you observed the disruption impermanence creates around happiness? Why is this so? Why is the mind so attached to permanence?

It is the mind that gives power to permanence, which does not exist in itself. Introspection of the mind is your best tool for observing and understanding the tricks that the mind plays on the true nature of reality. The true nature of reality is made up of impermanence and variability and, through a progressive practice of introspection, it is possible to detect the attachment to form, shapes, smells, colors, emotions and dispel the tendency to become something acquired with attachment. Would you try it? Would you agree to sit every day, if only for ten minutes, and watch the mind’s games of trickery? Perhaps you would hesitate, thinking that it would divert your attention to other, more important business matters. Regardless of what a fantasy world may look like, meditation is a great training tool for the mind to calm down, relax, and reflect on the true nature of reality, impermanence. Thoughts pass like clouds in the sky. Something that caught your attention, sometimes perhaps obsessively, becomes redundant, disappears, changes your mind, emotions calm down, anxiety calms down. Neuroscientific studies provide strong evidence that meditation is not just a training tool for the mind, but a generator of well-being for the brain by stimulating a process called neurogenesis, the production of new neurons. This means that even ten minutes of meditation a day can, in the medium and long term, generate new neurons, simply by teaching the mind to practice discernment.

The true nature of reality is changeable, and sitting on a regular basis, even ten minutes a day, brings vast mind-rewiring effects, which can, in the long run, contribute to maintaining a healthy state of mind.

Don’t humans live in your mind? Even a healthy and fit body has a mind that requires the same amount of training and wellness as the physical body.

You could try?

Arts Entertainments

The seven immutable laws of wealth and how you can use them to your advantage

The truth is that everyone yearns to be rich. We secretly wish we were like the rich. We look at them with a combination of admiration, envy, and wonder. What exactly did they do to be so blessed? we ask, even when we can see what they do with the naked eye.

On the other hand, we feel resentment towards the poor regardless of our level of piety. We look at them with contempt. Sometimes I hate! How did they manage to waste all the opportunities they had throughout their lives? We attribute all the ills of the world to the poor. Sometimes we secretly wish that the government could “do something about it.”

Yes, the super rich rule the world. They live in the largest mansions and own the finest properties. They ride the most luxurious cars and marry the most beautiful women. When they speak, their words are broadcast by the media around the world.

The super rich abound in commerce, politics, entertainment, sports, information technology, finance, oil and gas, to name a few. In short, they abound in all spheres of human endeavor.

The following names, in no particular order, come to mind when we talk about the super rich: Andrew Carnegie, Joseph Rockefeller, Cornelius Vanderbilt, Bill Gates, Mukesh Ambani, Jack Ma, Elon Musk, Jay Z, Oprah Winfrey, and Madonna. Of course we must not forget, the richest we read, Jeff Bezos.

The super rich include Buddhists, Christians, Hindus, Muslims, unbelievers, blacks, whites, browns, mongrels, men, women, and people from all continents.

So what exactly separates the super rich from the poor? If not an undue advantage in opportunity, skin color, religion, intellect, industry, talent, place and time of birth, what?

The Seven Immutable Laws of Wealth seek to point out the seven operational laws with which you must abide by if you want to set up your tent with the rich. Here they are:

Develop wealth consciousness

This is the number one foundational skill you must acquire if you want to be rich. The rich give their full attention to nurturing and multiplying their wealth. For example, Bill Gates attributes his wealth not so much to what he earns as a co-founder of Microsoft, but to the excellent work of his portfolio manager, Michael Larson. On the other hand, the poor spend their money as they please. They eat out, attend clubs, throw parties, and donate generously just to be considered “rich.” In short, the poor guy tries to copy the “Millionaire next door.” To be rich, be wealth conscious and focus not only on making money, but also on how to make it grow and make your money work harder for you. This is immutable law number one, I repeat.

Use time well

Time is the most precious and scarce resource. As economists say, your supply is inelastic. You can’t store or store it, you can’t stop it, and you can’t increase it. Effective use of time requires a mindset that abhors procrastination and perfectionism. The super rich use their time well; sadly, the same cannot be said for the poor. While time is abstract, the way you use it is a way of thinking. But do you know that the rich and the poor have equal amounts of this invaluable resource? From birth to death, the rich and the poor have the same amount of time a day: 24 hours. You will be rich to the extent that you use this limited resource judiciously.

Focus on one thing at a time

To be rich, develop FOCUS. Focus on one thing at a time. While the rich focus on one thing at a time, the poor generally pursue many ends at the same time, thus dissipating their energy. Whenever the rich man pursues an end, he burns his ship and never looks back. On the other hand, the poor always hedge their bets. Take Jeff Bezos as an example. He focused on e-commerce, Bill Gate on computer coding, and Jay Z on entertainment. On the other hand, the poor average never pursues anything with the logical end. You may be in real estate today, network marketing tomorrow, and talking about motivation the next morning. This approach is a recipe for underperformance, as these industries require different mindsets.

Think big

If you look closely, all the rich think big. Jeff Bezos is not just building an e-commerce company, but the most customer-centric company on the planet. Bill Gates not only set out to build Microsoft, but the world’s largest software company. Not to be outdone, Mark Zuckerberg’s empire now includes Facebook, Instagram, and Messenger. Thinking big is not about arrogance. It’s about being methodical, about seeing the bigger picture of “what could be.” It’s about having an amazing vision of the future and navigating in the direction of that vision without being distracted by other “opportunities” along the way. It’s about saying “No” to a thousand things so you can say “Yes” to the “only thing” that matters to you. So, thinking BIG is one of the hallmarks of the rich. Really, why think small when you can think BIG by focusing on one great ending at the same time?

Rub shoulders with the rich

Don King, the boxing promoter, once told Dennis P. Kimbro, co-author of Think and Grow Rich: A Black Choice, that his plan to become a billionaire was to “hang out with billionaires and learn everything they know.” So come up with a plan and find a way to rub shoulders with the rich. By doing so, you will be sucked into the world of the rich. This will reprogram your mind. Spending time with the rich isn’t just about networking, it’s about getting close enough to be mentored by the rich. What can you do to get on the radar of the rich? Write a book, start a podcast or YouTube channel to name three. You cannot be rich unless you reprogram your mind to think like the rich. The easiest way to do that is to enter the world of the rich through the back door, through what you do.

Work hard

Most of the time, the things associated with the wealthy are Gulf Stream Jets, Super Yachts, Golf Courses, Ocean Blue Islands, Hot Air Balloons, and sky-designed mansions. This is what you see at the beginning. But pull the curtain down a bit and what you’ll see in the back is hard work. Many believe that hard work doesn’t matter in today’s digital world, where you can “set everything to run on autopilot.” Beware; Could not be farther from the truth. Do you know that Jeff Bezos used to kneel down to sort packages when Amazon started in 1995? To date, he exhorts his people to “Always Day One” – that is, maintain the entrepreneurial spirit of a new company. If you are not willing to work hard, stop thinking about getting rich. In his Good to Great, author Jim Collins wrote about the concept of the “steering wheel.” That’s what hard work is all about. You never create wealth by standing with your hands loose.

Keep learning

Learning in this context is not about accumulating many PhDs and MBAs in varied disciplines. Learning is not about endless webinars. It’s about getting personal trainers to help you improve and perform at your best in all dimensions of life. You may be interested to know that some super-rich started out being very poor, but through hard work, they learned to overcome the bad hand that fate gave them at birth. A well-documented example is John H. Johnson of Ebony Magazine, who once became the 400th richest American. In his book, Succeeding Against the Odds, he claimed that his family was not only poor, but that they were “the poorest of the poor.” John H. Johnson learns to speak despite being born stuttering; He learned to believe in himself despite being born into extreme poverty, learned to sell, and ended up buying the insurance company that hired him. So don’t blame your stars, just keep learning and wealth will be at your fingertips.

If you follow the seven immutable laws of wealth as a religion and let them guide everything you do, you will be rich beyond measure. Don’t forget they include: Developing Wealth Consciousness, Using Your Time Well, Focus on One Thing at a Time, Think Big, Rub shoulders with the rich, Work hard, and Keep learning.


Top 10 activities in Baracoa

Near the eastern end of the island and closer to Haiti than Havana, it was founded in 1511 as the first town in Cuba. It was the first capital city of Cuba, but it was forgotten over time since the rest of the towns were founded, because it could only be accessed by sea. La Farola Highway, is one of the seven wonders of twentieth-century Cuban architecture, it was built in the 70s giving access to the city.

Baracoa is a true natural paradise, with 29 rivers, the Atlantic Ocean to the north, astonishing mountains to

the South. If you’ve ever looked for El Dorado, this is the place! And if the views weren’t amazing enough, it is also a true food lover’s paradise with incredible seafood, unique dishes, delicious cocoa, and the freshest coconuts.

Fertile forests, blue seas, vibrant tunes, and delicious desserts – don’t miss out on the quirky eastern city of Baracoa.

Baracoa has beautiful beaches away from the crowds and noise that you find in the great spas of the northern beaches. The clear sea at Playa Maguana and its brilliant colors are unmatched in the region. Its gentle waves rocks you and it is a great pleasure to float in these waters, protected from the ocean currents by a series of rocks and coral reefs. El Manglito personifies the laid-back Caribbean beach. Enjoy the good vibes under the sun and palm trees, stroll on the light-colored sand and bathe in the shallow waters, enjoy a mojito or a beer and enjoy a good lunch of fresh fish or seafood by the sea. Or swim in Playa Blanca, near the idyllic fishing village Boca de Miel. Here, a rustic bridge across the Rio de Miel is the perfect spot to snap a photo before heading to the caves.

Baracoa’s most impressive museum, La Cueva del Paraíso is a series of caves that were once Taíno burial chambers. Among nearly 2,000 authentic Taíno pieces are unearthed skeletons, ceramics, 3,000-year-old petroglyphs and a replica of the Tabaco Idol, a sculpture found in Maisí in 1903 and considered one of the most important Taino finds in the Caribbean.

One of the best off-the-beaten-path things to do in Baracoa is visit the Majayara Natural Park, southeast of the city. As you walk, you will arrive at the Fuentes family home that sells fresh fruit and coffee from their farm. Just beyond that stop is a cave, Cueva de Aguas, a cave with a sparkling freshwater well inside. Continuing up the hillside, you will come to an archaeological trail with more caves and wonderful views of the sea.

If you fancy hiking, visit El Yunque, the table-shaped mountain that towers over the town of Baracoa. Although it is only 575 meters above sea level, it is a strenuous hike to reach the top. Get ready for a little hard work, a lot of sweat, and beautiful views of the rainforest. After an intense walk in the sun, nothing is more rewarding than a refreshing swim in the river while

looking towards a beautiful waterfall. Or look for Salto Fino, the highest waterfall in the Caribbean within Alejandro de Humboldt National Park, which is a UNESCO World Heritage Site.

When you are done admiring nature, you can see the trio of Spanish forts that protected Baracoa. Fort La Punta, built in 1803, now houses an amazing restaurant. Matachín Fort, built in 1802, which now houses the Municipal Museum. The small but beautiful building exhibits an interesting chronology of Baracoa, which includes polymite snails, the story of Che Guevara and the chocolate factory, and the particular musical thread that Baracoa gave birth: kiribá, an ancestor of son. Alternatively, you can head to the Castillo de Seboruco. Baracoa’s tallest fort, though barely recognizable as a fort these days, serves as Hotel El Castillo.

For a different kind of museum, visit Casa del Cacao. It exhibits elements of history related to the cultivation of Cacao in the region and the history of the Mayan culture. The museum also explains the treatments of the beans, their drying process in the sun in large drawers and finally the roasting over a wood fire in special pots, cleaning and grinding. And if you still have a craving for chocolate, they have a chocolate factory that produces chocolate bars and other goodies for sale.

For a small town, Baracoa has a lot to offer! If you thought only your days were going to be packed here, think again!

The nightlife is amazing in Baracoa with live music and various styles of rhythms, you can’t go wrong. Whether you’re visiting the Casa de la Trova, Cuba’s smallest, craziest, wildest and most atmospheric place, or the Casa de la Cultura, be sure to grab a mojito and put on your dancing shoes as you’ll be part of the dance in no time! weather!

Home Kitchen

Introduction to kitchen organization

In addition to a introduction to kitchen organizationI will provide tips and guidance on kitchen storage, which depends to some extent on the shape and layout of the kitchen. The four classic kitchen arrangements are the U-shape, the kitchen, the L-shape, and the island. The U shape has a work surface on three sides, the kitchen has a counter along one or both long sides of a rectangle. The L shape is exactly that; on two sides at right angles to each other. An island configuration is a variation of the L shape, with a work surface block with storage underneath.

To make the kitchen safer and more efficient to work with, there are certain guidelines. One is to have a flat, heat-resistant surface immediately on at least one side of the oven and hob, so that you don’t have to walk anywhere holding something that is boiling. Another is that cabinet doors do not open into a hallway, where people walk to get to the table or door. Yet another is having the dishwasher to the side of the sink and not creating a blockage when the door is opened.

Some people disagree on whether plates, cutlery and glasses should be stored near the dishwasher or the table where they are used. The latter arrangement makes setting up the table quicker and easier, but the former makes emptying the dishwasher less tedious. This is clearly a matter of personal preference.

Planning the kitchen from scratch means drawing it on paper first. If you have time, make cutout shapes to represent appliances like the refrigerator, as well as furniture. Feel free to move the cutouts around the confined space until you are satisfied.

Mass-produced kitchen units are basically boxes of regular sizes, allowing you to fix doors and work surfaces. The height of a base unit is generally 36 “with a depth of 24”. Widths tend to be more varied. There are corner units as well, and some kitchens have specialty pieces like trays, wine racks, etc. They are designed for people of average height.

Standard units can be lifted on a custom made pedestal, so no need to bend down for those who are taller than average. Place the drawers on the plinth to add storage space. Your work surface can also be made deeper than usual from back to front / This is a nifty trick to give more counter area if there is only limited space. Have your kitchen custom made by a specialist company or a local carpenter or ‘DIY’. Taller and deeper units will give plenty of under-counter storage space.


Let’s learn more about how to get cheap car insurance

Do you have the right car insurance? Well, many people think that having the right car insurance is a must. It will be better if you get the best with cheap car insurance. While most people know whether they have liability, collision, or comprehensive coverage, some people pay close attention to their insurance coverage until after an accident, while others simply don’t care.

Buying car insurance is an important planning topic that is often overlooked, as most teens are added to Mom and Dad’s insurance policy when they first get behind the wheel and then buy the policy. less expensive when they have to pay the bill on their own. In this article, we’ll take a look at auto insurance coverage, so you’ll get some tips to help you get the most for your money.

Cheap car insurance has two main benefits. The first is to protect your assets and the second is to protect your health. Getting the right coverage is the first step in the process. These are the basic types of coverage that most people are familiar with:

1. Responsibility: This country of coverage for claims related to the personal injury and death of others, as well as any damage to the property of another person that occurs as a result of your car accident.

two. Collision: This coverage pays for the repair of your car after an accident. It is necessary if you have a loan against your vehicle because the car is not really yours, it belongs to the bank, who wants to avoid getting stuck with a crashed car.

3. Comprehensive: This country covers damage caused by theft, vandalism, fire, water, etc. If you paid cash for your car or canceled your car loan, you may not need collision or comprehensive coverage.

In addition to the coverage listed above, other optional coverage types include the following:

to. Total Tort / Limited Tort: Your insurance will be reduced by a few dollars if you give up the right to sue when you are in an accident. However, giving up your rights is rarely a smart financial move.

B. Medical Payments / Personal Injury Protection: Personal injury protection pays the cost of medical bills for the policy holder and passengers. If you have good health insurance coverage, this may not be necessary.

vs. Uninsured or Underinsured Motorist Coverage: This type provides medical and property damage coverage if you are involved in an accident with an uninsured or underinsured motorist.

D. Trailer: Country of towing coverage for a trailer if your vehicle is undrivable after an accident. If you are a member of an auto service, or if your vehicle comes with manufacturer-provided roadside assistance, this coverage is unnecessary.

me. Glass breakage: Some companies do not cover broken glass under their collision or comprehensive policies. In general, this coverage does not offset the long-term cost.

F. Rental: This insurance option covers the cost of a rental car, but rental cars are so inexpensive that it may not be worth paying for this coverage.

gram. Gap: If you demolish that $ 35,000 sport utility vehicle 10 minutes after taking it off the lot, the amount the insurance company pays is likely to leave you without a vehicle and with a large bill. The same applies if your new wheelset is stolen. Gap insurance pays the difference between the blue book value of a vehicle and the amount of money still owed on the car. If you are renting a vehicle or buying a vehicle with little or no down payment, gap insurance is a great idea.

Digital Marketing

Effective search engine marketing (SEM) and keyword advertising without losing your shirt

You may or may not know that traditional marketing methods (flagship articles, broadcast ads, print ads, etc.) can be an integral part of successful search engine marketing. I will be very broad in my coverage of the topic because there are many options available to you, and some of them will suit your particular goals better than others. Right from the start, the best advice I can give is to discuss your specific goals with a qualified website solution provider who practices SEM and is familiar with its integration into website design.

The ways to market your business (specifically your website) through search engines make up an extensive list. The payment methods for placement are somewhat minor and can be divided into three general categories as follows:

  • You can pay for the number one rank (on the page margins) of search engines using individual keywords. While this type of placement may look attractive, it is only as reliable as your ad spend will allow. It can be outdone by someone who is willing to pay more for that position.
  • You can pay per click (PPC) for certain keywords, and depending on your budget and the popularity of the words you select, your rankings will vary. Again, this is effective for generating traffic, but there is a difference between someone clicking their way to your site and someone making a purchase once they are there. (You don’t pay per click for customers who buy something. You only pay to get the visit.)
  • You can pay to advertise on other people’s websites by having search engine companies contact you and the other site owners. This is a comparatively newer way of advertising, paying to run an ad while other website owners receive some benefits from search engine indexing and kickbacks for allowing your ad to be on their sites. In theory (and generally in practice), this is a win-win option.

Of these three general methods, keyword ad campaigns can generally be limited to a predetermined amount of dollars per month (or until your account is replenished). So you’re not actually writing a “blank check” for keyword advertising this way, but you do need to manage your budget and account carefully. Buyer beware!

I have had multiple clients come to me due to keyword ad accounts mishandled by their previous service provider. At worst, some of them were the victims of outright fraud. One particular case stands out in my mind.

I was approached by an accountant with complaints that he had spent between $ 400- $ 600 per month for the past 6 months for 200 guaranteed clicks on his website per month. “Wow … that’s a pretty good guarantee,” you might be thinking. And you would get a report from your vendor every month verifying that you were, in fact, getting that kind of traffic (over 200 visits per month) from your keyword ad campaigns. However, your complaint was that you had no new customers coming from your website (also called “conversions” from the customer ad response). The ratios of visits (impressions) to sales (conversions) seemed unreasonably low. I suspected.

I did a little research on the performance of your website and what I found was disturbing (but all too common). Your account was set up to automatically replenish (re-bill your credit card) on the fifteenth of each month, up to your specified maximum monthly budget of approximately $ 500. That means if your account balance was $ 250 on the fourteenth of the month, you would be charged another $ 250 to restore your account balance to $ 500. Each click cost you money and, for the next 30 days, your The balance would be gradually debited until it was time to replenish it on the fifteenth of the following month. If it ever hit zero, your ad would “go off the map,” but that billing plan ensured you would never go over budget. Sounds like a surefire way to advertise, right? Guaranteed visits without cost overruns! It gave him a false sense of security, and he was being scammed!

When I did an analysis of your website traffic, I saw a constant trend of visitors coming from a variety of sources, some of them from your paid advertising campaign. I counted between 20 and 30 visits related to your pay-per-click agreement. However, suspiciously, he had between 150 and 180 visits on the fourteenth of each month, the day before his account was recharged. He never reduced it to zero, so he didn’t think anything strange was happening. But it seemed clear that whoever managed his account was taking advantage of his trusting nature and paying for artificial access. His reports showed over 200 visits, just as promised, but he was unknowingly filling the pockets of his account manager!

Don’t let that happen to you! I didn’t broadcast that story to scare you or discourage you from using paid advertising. Really, paid ads are extremely effective in the right situations. I just want you to realize that like everything else when doing business online, there is often more than meets the eye. Forewarned is worth two. Get into the game of website marketing, but do so wisely and cautiously. The best approach is likely to be one that combines the three ad types listed above, so you can gauge which one works best for your particular campaign. You may also want to try a text message marketing (TMM) portal to supplement your variable advertising budget with a flat fee option. Text message marketing (TMM) is a relatively new marketing trend that attracts millions of consumers for a number of reasons.

Most of the SEM companies and solution providers that have been around for a while are reputable or would not stay in business. But you must have an active interest in managing your advertising budget. Make sure your SEM provider gives you more than just a total visits per month report and an invoice to top up your account. You should ask them to provide you with website analytics showing all your traffic, trends, page views, visits per day, sources of visits (so you can make sure they are coming from different addresses), keywords used to find it, etc. Even if you never look at the details of those reports, the fact that they are provided to you will be an impediment to your SEM provider being honest. They are probably honest anyway, but in the end you have to CYA (hedge your assets).


Business management: the three most important lines of a balance sheet

After surviving the first 18 to 24 months in business, he has graduated from the growth phase. During this phase of the business cycle, you have become accustomed to the various business models (ie, revenue model, operations model, sales model, etc.) required to run your business effectively. You have progressed in learning how to run your business from a financial statement analysis perspective. The hectic activity of starting the business and maintaining momentum in the market has become second nature to you. You are guided to make strategic decisions based on the information provided by the company’s financial statements, especially the balance sheet. To employ effective business management strategies, you must have a fundamental understanding of the 3 most important lines on the balance sheet: cash, total liabilities, and retained earnings.

Number one: Cash

An old saying goes: “Whoever has the most gold makes the rules !!!” Of course, we know that when the bank account is constantly low for the company, thoughts begin to arise in your mind about potential failures and subsequent bankruptcy. Before you get to this extreme, you should proactively study the trend of trading cash on a monthly and weekly basis. This level of supervision helps to minimize the impact of any sudden changes in the market. It is recommended that the company have a minimum cash reserve for operating expenses of 6 months.

Number two: Total liabilities

The second most important line item on the balance sheet in terms of effective business management is the trend in Total Liabilities. For business management purposes, the trend in total liabilities is a tell-tale sign of the profitability of the business and its longevity. Often times, the profitability of the business is diminished by a large dependency debt to finance operations. If used to invest and grow the business strategically through acquisitions, corporate debt is considered a good thing. The key to managing corporate debt effectively is to use it wisely for strategic business purposes that ultimately increase and stabilize the company’s operating cash flows.

Number three: retained earnings

In conclusion, you should pay attention to the trend of retained earnings on the balance sheet. Retained earnings are an account item on the balance sheet that measures the profitability of the business over a specified period of time. Investors thoroughly study trends in retained earnings because it represents the ability of a business owner to manage the business effectively. Furthermore, it is through retained earnings that the income statement ‘flows’ into the balance sheet at the close of the accounting year. Even you, as a business owner, can measure the return on your investment by understanding the trend of retained earnings.

If during the growth phase of the business cycle it becomes a habit to manage and grow the business effectively by understanding the 3 balance lines of cash, total liabilities and retained earnings, it will increase the operating cash flow of the company. long-term company. -finished. Additionally, they can help guide you in developing and implementing key business strategies that will position the company for greater market share.


How to keep your home safe for children

Parenting is difficult. Parents must develop a skill set in order to better raise their children. As difficult as it may be, parenting is actually a wonderful and rewarding journey in the end.

As parents, there are many things to consider when raising a child. In addition to providing food, shelter, and clothing, one of a child’s basic needs is safety. Parents should be the ones to provide it. Without parental guidance, children may face many risks.

If you are a parent, the safety of your children should be your number one priority. You will want to make sure they are away from any harm and all kinds of accidents, be it at home, at school, or even in the shopping malls.

The first place to start is your home. How safe do you think your home is for your children to play? If you are unsure of your answer, this article will share with you some tips on how to keep it safe for them.

Keep matches and candles out of reach

Like it or not, children tend to grab anything that catches their eye. Particular matches and candles.

You know for sure that these items, no matter how useful they are around the house, can be dangerous to your little one. Matches, when accidentally lit, can start a fire, while candles can be accidentally chewed by your child and can cause toxicity.

What better way to avoid these types of situations than to keep candles and matches out of reach? If you are one of those who love candles, you can try replacing the real ones with flameless LED candles.

Clean up the mess

Make sure there are no unused toys everywhere! Toys come in different shapes, some may even be less than 1 inch. If you leave them on the floor, your little one may crawl over to the toys and swallow them.

Swallowing toys can block your throat and this is very dangerous. Avoid fatal suffocation by giving your children toys that are only appropriate for their age. Most experts say that children ages 5 and up are the right age to play with small toys. If your child is still under 5 years old, then it is best not to give him small toys yet, or if he has them, put these toys away in the meantime until he is old enough to handle them.

Eliminate potential poisons

Poisoning can happen at any time and is common among children under the age of 5. Keep your home safe from this by eliminating medicines and household chemicals that can be poisonous to your child.

When in doubt about a particular chemical, food, or medicine, you can dispose of it immediately. One of the ways to protect your children from poisoning is to eliminate possible poisons.

Learn about the different ways to properly store chemicals, including medicines. Make sure storage locations are locked and out of reach.

Bathroom supervision

Remember not to leave your child unattended when bathing or near water. Water safety is also a priority.

Whenever your child is near rivers, swimming pools, baths, you should make sure that someone is supervising him. It could be you, a babysitter, or a family member. It is very dangerous for a child to be alone near water.

While giving them a bath, give your full attention to the child in the bath. It is a common mistake that some simply ask the older brother to do the supervision. Unless the sibling is a responsible adult, the thought is best left behind.

Clean up spills on the floor.

As parents, we have a responsibility to ensure that our children are not injured. You should start by keeping the floors at home dry at all times. Especially when your child is still developing fine motor skills, he will want to move around the house.

Although this is a good sign, there are risks. The more they can move around the house, the greater the risk of accidents.

Your child’s safety should be your number one priority! By following these tips, you can surely protect your child from all known risks.