Tours Travel

Smart first date tips for everyone

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Here you will find smart first date tips to make your first meeting as smooth as possible and make it fun and not awkward for both of you.

These first date tips are not meant to be used exhaustively, but rather are used as a springboard for ideas to keep in mind when it comes to your unique situation. Every person and date is different, but there are many common themes and things to do when it comes to first dates:

Don’t be late and don’t be early. I know it may sound strange to some, but arriving within 5 minutes of your scheduled meeting time makes the other person feel more comfortable. They’re already nervous about meeting you, so making them wait or shortening their final precious minutes to get ready isn’t a good idea.

When you first see your date, make sure you are smiling. The smile is contagious and attractive. This is perhaps the most important single from First Date Tips. Keep smiling throughout the date as well.

This may be the most challenging of the First Date Tips for some, but try your best not to get nervous. Being cool, calm, and collective will make your date comfortable and more comfortable and enjoyable for them. Trust me if you are confident and not so nervous you will notice. Just don’t take it too far and be arrogant thinking you are confident.

You saw the part. Please dress smartly and appropriately. Find out from people what kind of dress code or which people tend where at your destination. You can call the restaurant, stop there, or ask people who have been there before. Most of the time they will say casual or dress casual.

Please dress according to the weather as well. You don’t want to be sweating like a storm walking around or shaking while talking. I know it’s hard to decide, but just wear something fancy and remember that dressing a little too much is better than being underdressed.

Eat with your mouth closed. Even if you haven’t done this in your whole life, do it tonight. Chewing at the dinner table is a huge turnoff.

Do the chivalrous feats. Wait for your date at the door or at the table when leaving somewhere if they are going to the bathroom. Always open the door for them. Keep an eye out for traffic and be on the side of it that oncoming traffic is coming. The same goes for walking down a busier street or a smaller sidewalk. Stay on the side of traffic so that if a speeding car hits you first. It won’t happen, but it’s the chivalrous thing to do.

Look up some interesting facts or think about funny or good personal experiences you have had in the city, place, area or restaurant you are going to. For example, you are going to eat at the “Old Inn”. Know that the place has been there for 80 years, you’ve been told it has great steaks, and you’ve been wanting to get there for some time. Just know a little about the particular establishment or area you’re going to to start a conversation or topic later. It also makes it sound like you’re kind of smart.

Don’t interrupt your date when they are telling you a story or experience. You can look excited and prepare to answer something, but let him finish. Don’t contradict everything they tell you, even if you have a better and more exciting story or experience. It’s not a battle, it’s just a dialogue.

You’re at the end of your date, you’ve used some or all of the First Date Tips above, and that big turning point is almost upon you. To do? Kiss, kiss on the cheek or hug?

A great way to make it flow much more smoothly and comfortably for both of you is to keep talking and smiling until the end.

When walking to your car, their car, or the front door, keep it loose when continuing a conversation. When you get to the end of the line tell them you had a great time and we should do it again. You do NOT have to make follow-up plans right then and there. Tell them you’ll be in touch.

In the final moments, go for the kiss if you think the date went well. You have to take the first step.

Do this right after you give your closing comment. If you only get a hug or a kiss on the cheek, don’t worry. That does not mean anything. I know married couples who didn’t even kiss after the first 3 dates!

Just make the decision and go for it.

Now go out and use these first date tips to make the best first impression and have fun. Don’t overanalyze the meeting. You will soon know if the other felt that everything went well and is worthy of another date.

Usually you want to wait 2 days before contacting them for a tracking date. Good luck!

Technology

4 elements of the structure of the website that impact SEO

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Most marketers believe that keywords are solely responsible for a website’s ranking. Their main focus revolves around fixing keyword arrays to keep them relevant on web pages. However, aside from keywords, some website elements are also very important for a website’s ranking. Obviously, they can affect the SEO prospects of the site. Website structure is one of them. The structure of a website determines the way the website is organized internally. Structure does not necessarily mean the physical appearance of a website, but also the way in which the pages of the website are interconnected.

An organized website structure is very important for search engine optimization. Without fixing the structure-related gaps, you cannot achieve maximum benefits from your SEO efforts.

I am listing here 4 important considerations that you should consider to strengthen your SEO.

1. Website crawlability:

The crawlability of a website is important in terms of its appearance in search results. The term refers to the ability of a search engine to crawl a website in order to establish what the content of the website is about. If your website crawl stops for any reason, it can cause SEO issues. During the crawl, the robots navigate through individual subpages and themes to discover each element of the website in its entirety. A website is said to be crawlable if the pages of the site are well interconnected and do not present difficulty for users to navigate from one place to another.

So how does it help in SEO? It is easy. If your website crawling stops or stops, there is a chance that some of your well-optimized web pages may not be indexed. The point I want to make is that unless your website is properly crawled and indexed, your SEO efforts won’t get noticed.

2. Internal link:

Internal linking is another crucial factor that affects SEO. The term refers to the entire navigation scheme that a website adopts to improve accessibility and the user experience. The basic idea behind navigation is that a random user should be able to find one page to another without any problem. If a website contains more than hundreds of pages, it is challenging to ensure the accessibility of any page with just a few clicks.

Usability experts are of the opinion that if it takes more than three clicks to find an individual page, then you need to rethink your navigation scheme. Managing your navigation and internal links is easy. Categorize and organize navigation links according to the segments they relate to.

To link to pages and posts internally, use keywords within the content and then link these keywords to other relevant pages or content on your website. There are numerous benefits that internal linking serves. Internal links easily decrease page depth and allow users an easier way to find other pages. It can result in a better user experience.

3. User experience:

Keep in mind that poor user experience can negatively affect your SEO efforts. While browsing your website, if a user can’t figure out how to get the information they want, they’ll leave to find it elsewhere. Google measures user interaction with a website using different metrics, including click-through rate, time spent on the site, and bounce rate, etc.

To ensure a better user experience, you need to align clicks with expectations and ensure quick and easy access to the desired information.

4. Duplicate Website Pages:

Duplicate content kills the SEO prospects of your website. Google interprets duplicate content as a clear case of deep spam. You need to keep your focus on delivering quality content to your readers. Of great importance. Good quality content not only improves the user experience, but also improves the website’s presence on search engine results pages for highly competitive keywords.

Business

Selling a business to a competitor: why they always pay less

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The unfortunate truth… A competitor never pays more for your business.

While there are legitimate reasons for a competitor to have a significant interest in your business and to recognize inherent value, history has taught us that small business acquisitions by competitors generate the lowest transaction value based on price, structure and terms.

While you have built a turnkey business that has considerable value, a competitor has most of these organizational/operational elements in place and will see the overall value differently.

Many competitors approach these acquisitions as buying a customer list, picking up a few good employees, adding an asset or two, and perhaps establishing a key relationship or territory with a supplier. Some are simply looking to eliminate a competitor. The bottom line is that they don’t need everything you sell as someone new to the industry. The value of this turnkey operation is not valued in the same way by a competitor as it is by a third party.

Does a competitor need, want, or assign significant value to the following assets?

Tangible:

• Furniture, fixtures and equipment (FF&E)

• Vehicles

• Inventory

• Real estate

Intangible:

• Customer lists

• Customer contracts

• Systems, processes and intellectual property

• Brand, website domain, phone numbers

• Reputation

• Online reviews

• Supplier supply agreements, license agreements, exclusive territories

• Proprietary computer software

• Trained and on-site workforce

• Goodwill

Outside buyers will require all of these assets to continue business operations and take the company to the next level. Competitors will not need all of these assets and the assets they do require are valued lower, especially intangible assets.

Therefore, the recommendation for a business owner who is considering a sale and might be having a discussion with a competitor is to develop a list of their goals and objectives when selling the business. Even at the most basic “I want to sell my business for the highest price” level.

Does this mean the highest price with 100% financing/seller profit or is the goal to receive the majority of the proceeds at closing? Goals and objectives can vary considerably among business owners seeking a business sale. Experienced M&A advisors and business brokers are adept at qualifying a buyer who is most aligned with these objectives and the assets being sold.

Various examples of goals/objectives include:

• Get the highest price with a portion of contingent seller financing payments

• Get the highest price with a portion of contingent payments

• Maximize cash at closing

• Seek a way out without continued involvement in the business

• Stay in business somehow with less responsibility and time commitment

Find a buyer who:

• Has adequate funds to close

• Has industry or related experience

• Are local or willing to relocate to be local to the business

• Acquires or leases the real estate as part of the sale of the business

• Does not choose inventory, vehicles or FF&E

• Has the necessary business licenses or requires only minimal training and transition assistance

• Expects to retain current list of employees

Once the toothpaste is out of the tube…

Competitors and companies in the complementary industry know each other. They are seen at conferences, industry association meetings, and vendor reward trips. It is not uncommon for proposals to acquire a competitor’s business to be made. Most of the time, these discussions start innocently enough; a purchase wish is made with floating numbers that sound great to the prospective seller and an NDA is signed. Discussions are held and commercial financial data is provided to the competitor. A subsequent meeting is scheduled and a non-binding letter of intent is received. Due diligence is followed, important confidential information is provided, and an offer very different from what was originally discussed is made. The deal falls apart. The result is a no deal, and unfortunately, a competitor now has highly confidential information about his business. This is the worst possible situation and it happens far too often.

Selling larger businesses to a competitor is not that unusual, and the focus of this article is not to say that these sales should never be made; but simply to highlight the differences in value to be expected and the risks involved in disclosing confidential company information when a competitor is involved.

If it is appropriate for a business to be sold to a competitor, it is essential to have a professional intermediary. Following an established process, providing information in stages, protecting sensitive information, qualifying sincere interests, or discovering a fishing expedition are some of the key benefits a broker provides.

Furthermore, it is the broker’s ability to discreetly market the business to many potential buyers rather than dealing with just one candidate that maximizes the value of the transaction. Each confidential marketing program is customized by commitment, but ultimately these programs focus on creating multiple offers through which the best price, terms and conditions can be achieved for the seller.

Home Kitchen

Wooden floors in kitchens: a modern trend

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Kitchens have always been one of the important places in every home and today, they have become even more important. In the past, kitchens used to be a separate walled room that was almost cut off from the rest of the house. Then came the trend of open-style kitchens connecting to living rooms. This allows the whole family to stay connected with each other. So whether or not you have an open kitchen in your home, flooring has always been an item of concern for you.

The two most common types of kitchen flooring include tile flooring and hardwood flooring. The best way to choose the type of flooring that suits your needs is to hire the services of a professional interior designer. You can find the best interior designer in your city through online real estate and construction portals. A professional can help you manage the cost and type of flooring in the most efficient way.

Hardwood kitchen flooring is a choice of many people in the modern age. The use of wood can enhance the beauty of a room, but it also has some drawbacks. Some people love natural beauty and would rather incorporate natural elements into their home than man-made ones. These people would rather have the springy feel of a hardwood floor under their feet than hard, tiring ceramic tile. Below are the pros and cons of hardwood kitchen floors:

Advantages:

  • looks elegant: Kitchen hardwood floors look extremely beautiful and if professionally sanded they are stunning. The timeless look of a wooden floor never goes out of style. Depending on the type of wood you choose for your kitchen floor, it can add real luxury and style to your home.

  • Add value to the home: Professionally installed hardwood floors are certainly a great investment. They add great value to your home, which is why many construction companies install hardwood floors in the kitchens of homes they build to sell.

  • Do you feel comfortable: The wooden floor feels more comfortable and relaxing than any other floor, especially when you walk barefoot on it. No matter it is summer or winter, you can walk barefoot on the wooden floor and enjoy the amazing feeling.

  • It’s relatively forgiving: If you accidentally drop a breakable item on a hardwood floor, there’s a chance it won’t break, due to the forgiving nature of hardwood flooring. So, there is a chance that you will get a second chance with hardwood floors in your kitchen.

Cons:

  • It is susceptible to water damage.: The wooden floor is vulnerable to liquids, which is its biggest disadvantage. You have to be very careful with leaks in your kitchen to avoid ruining your hardwood floor. Also, water damages the polish on the hardwood floor, making it dull and less shiny than it actually was.

  • Needs frequent cleaning: A hardwood floor needs to be cleaned frequently. Although it is easy to maintain, it is necessary to clean it daily. All spills should be cleaned up and vacuumed up immediately to avoid marring the floor.

  • is very sensitive: There is no doubt about the fact that wooden floors are very sensitive. They must be handled with care because they are susceptible to dents, scratches, and stains. Since the hardwood floor needs to be pampered, many people avoid it.

Before you decide to go for hardwood floors, you need to choose the type of wood, such as oak or maple. Softer woods such as cherry or pine should be avoided due to their susceptibility to dents and scratches.

Auto

10 good and bad features of the new Tecno Camon X Pro

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For those who rushed to grab the Tecno Camon X upon its release, a number of things may be on their minds right now. More storage space? A higher resolution screen and aspect ratio? These and many more come with the phone that was launched in 2018 along with the Tecno Camon X, Yes! I’m talking about the Tecno Camon X Pro.

This phone hit the stores at the same time as the Tecno Camon X, which is a lower variant and is worthy of being called the “deal breaker” as it boasts even more upgrades than the Camon X.

The Camon X Pro, a sequel to the Camon CX, comes in Bordeaux Red and Midnight Black, houses Face ID, 1080 x 2160 pixel display, 4 GB RAM, 64 GB internal memory (ROM) and many others is what I call Tecno’s best smartphone on the market.

In this review I would highlight 10 novelties of the Tecno Camon X Pro and the setbacks, those functions that we hate.

Screen Tecno Camon X Pro

  1. Camon X Pro comes with a 6.0-inch IPS screen with Gorilla Glass 4. A screen built to withstand, which is not lacking in the display, since it has an aspect ratio of 18.9 and a resolution of 2160 x 1080 pixels. . HD graphics! A big step forward for gamers and movie lovers.
  2. Sunlight readability with brightness level up to 500 nits. Which means you can enjoy interaction with your phone screen, in sunlight, in the dark, at any time of the day.

Tecno Camon X Pro Camera

  1. A mind-blowing 24-megapixel front-facing camera with f/20 aperture and dual LEDs has HDR capabilities and AI beauty; where installed algorithms get to work to beautify your images.
  2. A rear camera with a 16-megapixel sensor and an f/20 aperture that guarantees great photos as it has a faster focus than its predecessors. Capable of delivering quality photos in good and even bad lighting conditions with its four-LED flash.

Note: However, I’d like to point out that the Camon X Pro doesn’t have a really great camera, I mean it’s perfect for low light, as much as we’d expect. The front camera isn’t as good as the Camon CX, and I wouldn’t have done the upgrade if the camera was my thing.

I was hoping that with the huge 24 MP front camera we would get something excellent, but what we got was far below average. It’s even worse when you’re trying to take pictures at night. So here is my HONEST take on the camera, I hope you can make an informed decision after reading this.

Tecno Camon X Pro Hardware

  1. Inside the Camon X Pro is MediaTek’s system on a chip; Helio P23 octa-core, which is more powerful than Qualcomm’s Snapdragon 430. A processor that is based on a 64-bit architecture that gathers eight ARM Cortex-A53 cores that has an integrated MP3 Mali-G71 graphics processor that runs at 770 MHz.
  2. More speed and more storage for hoarders; The Camon X Pro features 4 GB RAM and 64 GB internal memory (ROM) with an SD card slot, plus expandable storage space.
  3. On the back of the phone is the Camon X Pros fingerprint sensor, which is much faster than the one on the Phantom 8. This more accurate fingerprint sensor is built in a way that allows for better finger placement.

Tecno Camon X Pro Software

  1. The new Android Oreo 8.1 layered HiOS V3.3 keeps the Camon X Pro in sync with all other smartphones running Android OS, and it doesn’t seem to be getting old anytime soon as you can upgrade to the next OS version when that comes around. moment. .
  2. The Camon X Pro takes security one step further with Face ID. By taking a detailed map of your face, Face ID is much faster compared to Iris scanner, giving you the option to unlock the phone just by looking at the Camon X Pro’s front camera.

Tecno Camon X Pro Battery

  1. Its battery, with a capacity of 3750 mAh, would keep your phone awake with 4-5 hours of screen time.

Just as there are a number of notable things to expect in the Camon X Pro, here are a number of things to you can not like:

  • With the mid-range Adreno GPUs built on Qualcomm chips, be sure to expect some hiccups while gaming due to its graphics chip.
  • Some apps found in HiOS really could have been removed, they just sit there redundant. I mean, who needs an app for something you can access in the settings menu?
  • Without optical image stabilization (OIS) and professional mode, the camera doesn’t seem as limitless as you might expect.

our verdict

The Tecno Camon X Pro, Tecno’s best Camon to date, boasting non-stop performance, decent battery life and plenty of camera power – the main feature the Camon series is known for. This is a phone you won’t want to replace anytime soon, hopefully until Tecno releases another. Not a disappointment, but rather a statement of maturity from Chinese OEMs.

Digital Marketing

5 QUICK title techniques

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Did you know that your book title is responsible for up to 90% of your book’s initial pulling power? If that sounds incredible, did you know that your book title can grab your potential reader by the throat and draw them into reading? Everything is within the power of the first impression.

Here are five QUICK book title techniques to help you title your book right.

1. Quantify your headline. Put a number in the title of your book. Researchers say that twelve or fewer numbers are best for titles. Most of the time, using a number serves as an automatic curiosity trigger. When the author wrote Five Quick Techniques for Book Titles, most people (who are interested in creating a better title) immediately want to read which five techniques will create a better title.

2. Upgrade your title from mysterious to understandable. I must admit that mysterious and creative titles will capture the attention of your readers. But do they finish the job? I mean, do they grab attention, draw your potential reader in for the read, and then deliver or disappoint? What you need to do is create a creative but understandable title that begins and ends. For example, my creative and mysterious title “3 little pigs went to the market but one went faster” aroused the curiosity of my readers. But the revised version achieved my goal much better as “3 little books went to market but one went faster”.

3. Spark interest with your headline. Make a big promise and deliver within your book. When using a big promise, consider carefully and use it sparingly; then make your big promise and deliver. Or ask a question that makes your readers want to open your book and read to find out how you answered. For example, one author proposed using the question “Do all dads have to marry a stepmother?” He said it was a question his son asked him. He believes it’s a question that epitomizes the pain and confusion children of divorced parents feel, and more importantly, need help to get through it.

4. Create a catchy title. Both marketers and advertisers exercise this technique to the fullest. Why do you think jingles and catchphrases stay on our minds for months and years after a commercial has aired? If they do it well enough, you effectively brand your product or service. In the same way, create a catchy title that will resonate in the minds of your readers. Use alliteration, rhymes, and catchy phrases. Alliteration is using words in succession that start with the same letter. Alliteration also occurs when titles include repeated consonants. Did you notice the alliteration ‘headline techniques’ in the title of this article?

5. Consider your reader. Consider your audience’s greatest need or challenge. In your title indicate that the solution is within the pages of your book. Or bid on your book title to reveal industry secrets. You will get additional interest for your book. All because everyone wants to discover the well-kept secrets of their field. The word ‘secrets’ itself implies that you are getting something you are not supposed to have access to.

Don’t delay any longer. Now is the time to create the best title for her book. If you don’t create a compelling title for your book, your message may never receive the sales and attention it deserves. So, use the five QUICK techniques above: quantify your headline, level up to understandable, spark interest with a question or a big promise, create a catchy phrase, and keep your reader in mind. You have the techniques; Now go create your best title and prosper!

Relationship

Tips for Finding Funny Images Online

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Are you looking for something to make you laugh on the internet? If so, you’ll want to start surfing the web so you can find cartoon images online.

Actually, there are many websites that have funny images and continually update their photos so that you always have something to make you smile. But, you may be wondering how you can find cartoon images. The following tips will help you create a favorites list of the best websites with funny images.

Tip #1 Google

The first thing you should always do when you are looking for something is to Google it. You will almost always find just what you are looking for. So just type “funny images” into Google and see what is returned.

Of course, if you’re looking for specific types of funny images, you should add additional keywords to your search terms to ensure you get what you want. For example, search for “funny pet photos” or “funny kid photos.” The list really never ends and you can find many different types of images on the net that you will wholeheartedly enjoy.

Tip #2 Forwards

You know all those forwards you get every day that you just delete? Well, if you like cartoon images that will make you laugh, then you should open it. That’s because many times the strikers have cartoon images and things of that nature that will add a smile and make you laugh out loud.

So definitely check forwards that come in your mailbox. Once you get several cartoon image forwards, you might want to create your own email out of all of them combined and start forwarding it to people.

Tip #3 Forums

There are many forums on the Internet that specialize in fun stuff. These can include jokes, photos, and anything else that makes you laugh. If you really like looking at funny pictures or anything that makes you smile, you should definitely check out the different forums on the net.

The easiest way to find these forums or chats is to simply Google them. Open your browser and type “funny forums” or something like that and see what you get. You’ll be amazed at how many fun forums there are!

When you search for funny images on the Internet you will have no problem finding them. All you need to do is put in a little effort and you will find just what you are looking for. It takes a bit of time, but if you’re interested in finding funny stuff, all you need to do is search the web and you’ll see a lot of things that you’ll enjoy.

Start searching the web today to see all the fun things that are waiting for you. You can definitely make your day better and put smiles on the faces of others by finding funny pictures on the internet.

Health Fitness

How to use an electric bike to lose weight

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It seems that with the rise of a progressive and industrialized nation, the life of its citizens becomes more sedentary. With all the gadgets, machines, instruments, tools and equipment that science and technology have brought to humanity, facilitating their work. Then with this sedentary lifestyle comes health problems and the number one concern is obesity and its complications like high blood pressure and diabetes.

However, growing awareness of the health risks of sedentary living has convinced more people to adopt a more active lifestyle, such as an exercise program or routine to stay fit and healthy.

One of the best exercises is cycling. It is a low-impact exercise that does not put too much stress on the joints and muscles. Bicycling outdoors is an excellent cardiovascular exercise that burns calories and lowers cholesterol levels, which helps prevent heart disease, high blood pressure, diabetes, and other diseases. Cycling is also a good exercise to release stress.

However, there are those who would like to cycle but could not make the stiff and strenuous ride. Others don’t have the confidence to ride their bikes uphill or take long walks because they fear getting tired easily and not having the strength to come back. In such cases, electric bike is highly recommended.

Most people think that an electric bike is a cheat for exercise because there is a motor to drive the bike. Furthermore, it is the common notion that one does not lose weight by riding an electric bike. In other words, an electric bike is not an exercise machine.

Contrary to popular belief, electric bikes can help a cyclist lose calories just as effectively as a conventional bike. While it’s true that an hour on a regular bike burns more calories than an hour on an electric bike, the reality is that an average cyclist probably won’t ride a regular bike nearly as often as an electric bike.

Since the electric bicycle is easier to use than the conventional bicycle, it can be used frequently either as a form of aerobic exercise or as a serious means of transportation. The key to burning calories is to keep pedaling, as the rider has to pedal the bike to keep the motor running. While using it as a means of transportation to get to work or the grocery store, the cyclist can turn off the engine and pedal instead. The more you ride and pedal, the more calories you’ll burn.

Legal Law

How to effectively negotiate your salary

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If you’re just out of college or have never held a “grown-up” job, you may have never had to negotiate your salary or commission package. He just accepted what the hourly rate was, because the company had a schedule for raises and performance bonuses. But, in the “real world,” no salary is set in stone. In fact, you can almost treat your salary negotiation like negotiating the price of a car or a house. Here are some tips for effectively negotiating your salary to help you earn what you’re worth.

Know the right time to start talking about wages and benefits

You never want to sound too eager to talk about salary or benefits. Employers may take it as if you have no genuine interest in the position. The best time to start talking about salary is when you know exactly what the job requires and when both you and your employer know that you are the right candidate for the job. If you discuss salary before learning about the responsibilities of the position, you could underestimate the compensation the position deserves. The bottom line is to wait to discuss salary until you are offered the job.

Base your salary and benefits on job responsibilities

The reason you don’t want to talk about salary until you know all the responsibilities is because you’re going to base your salary negotiation on the amount of responsibility the job requires. This is why managers are generally paid more than lower level workers, because more responsibility falls on their shoulders to get things done and make sure daily business runs smoothly. If you enter into a salary negotiation thinking that you cannot negotiate for a higher salary due to a lack of education, experience, or previous salary, you will end up losing out on a higher salary. Employers want you to believe that is the case, but in reality, they deserve to pay you based on what the position requires, not based on your credentials. Most companies have a certain dollar amount that they are willing to pay someone when they hire you, but will generally try to hire you for a lower salary to try to cut costs. If you accept their first offer, you are directly entering their game.

Factor company perks and benefits into the salary package equation

You may not be able to get an employer to budget much on top of the salary they are willing to pay you, but they are often more willing to offer additional perks and benefits to bolster your compensation package. On the other hand, if they are already offering additional benefits and perks, you should take this into account when negotiating a salary. If you’re allowed to drive a company car, pay your health insurance premium, a business cell phone, or a laptop, then you need to factor that into the equation. You may not get more money from them, but you will have fewer expenses, because you won’t be paying for a car, a cell phone bill, or buying a new computer any time soon.

Once you reach an agreement, put it in writing.

Think like a lawyer and get your verbal agreement in writing. You don’t have to sound militant about it, just ask politely, “Do you mind if we put this in writing so there won’t be any disagreements in the future?” You don’t want the hassle of trying to fight with your boss about what you did and didn’t agree to later on. It will hurt your relationship with your boss and it will only be a headache for you.

So are you ready to go out and make more money? You can even apply these principles to receive a promotion or simply ask for a raise. Remember, you are worth something to your employer. Don’t let your employer dictate how much you’re worth. Be proactive in showing them what you’re worth.

Real Estate

Book Summary: Tax-Free Wealth: How to Create Massive Wealth by Tom Wheelwright

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As a child I was lucky to have my father as a business mentor. When the time came and I entered the business world, I couldn’t lean on him because he passed away young. The Rich Dad/Poor Dad books were my saving grace when it came to financial education. A lot of the concepts I knew about from my dad, but the advanced strategies and how-to’s actually came from Rich Dad’s books. Tom is a Rich Dad advisor.

Why is this important to me?

I am not doing this summary to waste your time. My vision is to provide concise action steps you can take right now to improve your financial life and career. If you want to continually improve, you have to be committed to continuous learning. Take advantage of continuous learning with the right partnerships and you will be successful in your career.

The Cash Flow Quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant, then you can earn a good income, but if you focus on the right side, you can become rich. Robert Kiyosaki points out in Rich Dad/Poor Dad that people on the left side of the quadrant make money, pay taxes, and then spend it. On the right side of the quadrant, people earn money, spend it, and then pay their taxes. This is a big difference and can be the biggest lever for success in your financial arsenal.

Tax-Free Wealth points out 24 tax strategies you can use on your path to Tax-Free Wealth. In the interest of time, I’ll point out a few along with some comments on each.

1. Rule #1 – It’s your money, not governments. People tend to freak out when it comes to taxes. Remember that you are the one who creates the value and makes the business work, be smart and use tax strategies to minimize taxes and maximize your investment. The key here is tax evasion, NOT tax evasion. Every concept in this book is fully legal and encouraged by the IRS.

2. Rule #2 – The Tax Law is written to permanently reduce your taxes. All financial plans need a solid foundation. This is why you can simply NOT focus only on the rate of return. You can get a great rate of return, but if you can lose it to a lawsuit or if 50% is consumed in taxes, you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start businesses. The reason the government does this is because businesses create jobs and that is the most important economic engine.

3. Rule #3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, travel, and other business-related expenses. You can legitimately combine vacation and work and write it off as a business expense. If you travel and sell items, go on sales calls in the vacation area. If you are a real estate investor, then travel where you can invest.

4. 4. Rule #24 – Generate massive passive income through your tax savings. This is the strongest wealth builder in the book because it increases compound interest, velocity of money, and leverage. By using these three vehicles along with investment stacking, you will be rich. The goal is to build your business and make money there and turn it into passive income and then park the extra money in cash flow investments like real estate. You want your money to work harder than you do. You don’t want to trade hours for dollars. Let me give you an example.

In our software company there are two ways to generate wealth and that is through intellectual property and maintenance agreements. These two things together will create a business that can be sold for 2-4 times the revenue. Now, to encourage that leveraged investment, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the company returns to me as investment income, which means lower taxes. New revenue from additional maintenance contracts encourages new contracts. The next step is to use the “good debt” to take advantage of our coverage and acquire more income from maintenance contracts with our software platform.

In short, you make money in your business and keep it in passive income generating assets using good leverage, velocity of money, and compound interest.

Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

I hope you found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes a habit. Habits are formed in as little as 21 days. One thing you can take away from this book is to improve your financial education. If you take control of your education and schedule 30 minutes a day dedicated to it, you will get results. You cannot put your financial future in someone else’s hands. Take responsibility and good things will happen.