The Power of Compound Interest

THE POWER OF COMPOUND INTEREST





"The most powerful force in the universe is compound interest"


- Albert Einstein








Ask almost anyone about compound interest and you will hear them say "yeah, I know about it." If everyone truly understands what compound interest is, then we probably will not have so many people having credit card debts that is piled up to the ceiling. The sad truth is the financial sector is using this to their advantage against general public. They are making millions and millions of interest of the people.



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Shopping On Bahamas’ Great Abaco Island

For those who shop, either out of necessity or for sport, the Bahamas’ Great Abaco will provide a shopping experience that is sure to satisfy. There are a wide variety of shops and fine stores, with many unique offerings.
Great Abaco Island is home to many stores selling quality perfumes, ranging from fine, classic scents to fabulous island originals. Abaco Treasures, found right at the Marsh Harbor stop light, is one of these stores. In addition to an array of perfumes, Abaco Treasures also carries fine china, crystal and a selection of gift items. John Bull sells quality perfume and cosmetics, including products by Iman and Lancome, in addition to Rolex watches and fine jewelry. Solomon’s Mines, a duty-free shop, found right by the entrance to Abaco Beach Resor View the rest of this article

What Is An Interest Only Mortgage, And Should I Get One?

There is a non-traditional type of home mortgage loan being marketed to consumers known as an interest only home mortgage loan. Sometimes called a balloon mortgage, an interest only mortgage is exactly what the name implies. For the term of the mortgage, the borrower is paying only the interest that is due on the home mortgage loan and is not paying anything back towards the original loan amount.
At the end of the mortgage term, the balance due on the loan will be equal to the full amount that was originally borrowed. This balance will be due, in full, when the mortgage loan term ends.
Why an Interest Only Mortgage Loan Sounds Attractive
Obviously, we would all like our monthly mortgage payments to be as low as possible. With an interest only home mortgag View the rest of this article

Organizing Your Home: The Kitchen

Arguably, the kitchen is the heart of the home. We cook there,


eat there (hopefully as a family), entertain there, chat at the


table, do homework, and any number of other family-related


things. A disorganized kitchen discourages us from doing the


above; we don't want to cook and eating will likely then take


place in front of the TV. We don't want to entertain others or


sit and chat because the clutter distracts us and makes us feel


ashamed of not keeping things in better order. So let's get to


it!





Please understand that this room CANNOT be done in one day or


in one chunk of time. I'm willing to bet it took more than one


day for your kitchen to lo View the rest of this article

Tips For Evocative, Distinctive Company Names

As the sponsor of a Name-This-Company Contest, I?ve been watching suggestions come in by the dozens every day. Unfortunately, the great majority of names submitted so far do not pass ?go.? A good company name is not only catchy and evocative, but also pronounceable, spellable and not likely to backfire because of unsavory associations.
Since the contest offers a prize of $100 for the best business name submitted, along with the chance to become a professional ?namer,? getting paid to think up new product names, new company names, tag lines and ad slogans, I would guess that the same flaws occur when company owners or managers sit down to think up a new name for their own business.
So here?s a quick quiz to sensitize you to important factors in potential compa View the rest of this article

The Importance of Will-Power

The importance of will-power is recognized by most men, yet few deliberately give any time or thought to its development. Why we resist one thing and yield to another may be due to "the strongest motive," but what more particularly concerns us in the study of self-confidence is in what way this mighty power can be built and directed.
Does desire control the will, or will desire? The psychologist points to the testimony of consciousness as confirming our freedom to choose a certain course and to pursue it, with the feeling that we could choose some other course if we desired.
In either event, there is no feeling of compulsion, and this would seem to confirm the idea of freedom of will.
Let desire, then, be the starting-point of the student's attempt to edu View the rest of this article

The "e" In eBusiness Does Not Mean Exempt

I've gotten quite a few emails recently from ebusiness owners who seem to think that just because their business is conducted online or from the comfort of home that the rules and regulations that govern brick and mortar businesses do not apply to them.
The ebusiness questions I get most often do not involve building websites or conducting ecommerce.
They are more what I call the "Do I Really Have To" line of questions, such as:
"Do I really have to get a business license?"
"Do I really have to get a tax ID number?"
"Do I really have to pay taxes on income from my website?"
Yes, yes, and yes.
Do I really have to get a business license? This is one requirement that many ebusiness entrepreneurs think they can skirt because they don't have a View the rest of this article

Invest Wisely When Buying A Laptop

Have you priced a laptop computer lately? Buying a new laptop is a big investment; and just how big of an investment you want to make is entirely up to you. Look in your Sunday newspaper flyers to see countless models on sale each week. Initially selections were made by looking at the specifications and the general appearance. However that’s not the sole criteria any longer. Everyday more and more people are now stepping inside the mobile world. With so many models of laptops now available, how can you be sure about the choice you make? Below are several factors you should consider: CPU (Central Processing Unit), Video Card, hard disk, noise, battery life and RAM (Random Access Memory).
CPU is the main component which determines the performance of your computer a View the rest of this article

Choosing The Right Vacuum Cleaner

According to history, the first vacuum cleaner actually wasn't a vacuum cleaner at all, it was a carpet sweeper. The inventor was a man by the name of Daniel Hess who in 1860 patented a machine that had rotating brushes on the bottom and bellows to generate suction. There is however no evidence that this machine was ever produced. It would be some forty plus years later, in 1908, that Mr. James Spangler of Canton, Ohio would receive a patent for the first electric portable vacuum cleaner. And, it was his cousin-in-law, William Hoover, who lent his name to the legendary company that still produces vacuums today.
For more than one hundred and forty years the vacuum cleaner has been improved upon. Whether you are doing your weekly vacuuming of your home, doing a tho View the rest of this article

Where’s the best place to put Google Adsense Ads?

Why, on your web pages of course. Ok, just kidding. The real question should be: “Is there really any truth to the rumors that where you place those Google AdSense ads can actually improve response?” According to my best information, the answer to that question is: Yes.





Google’s own AdSense experts say that that there is a direct correlation between the placement of the AdSense ads and the resulting clickthrough.





When ads are placed in “content zones”, rather than in “advertising zones”, response rates on Google AdWords goes up. There are also indications showing that ads appearing on the right side of the page get clicked more than ads appearing on the left side.





Advertising analysts with degrees in hum View the rest of this article

Contract Cleaners – A Guide For Businesses. Part 2

In the first part of this article I put forward 7 questions that I believed were important to ask of your potential cleaning company. In this article I will explain the relevance of the first two questions and the answers you get to you as a business.
What is your staff turnover?
When the top 150 Cleaning Companies in the UK were asked this question the answer came back as 73%. That means that within a 12 month period 73% of their cleaning staff have left and been replaced. What is the relevance of this figure to you? If the figure you get back is higher than about 25% it is likely that if you engage this firm then you are unlikely to have the same cleaners for very long. You will have a constant stream of new cleaners. This is not good for building up a work View the rest of this article

Baby Clothes You Can Use All Year

Few things seem more important at a baby shower than duckies, monkeys and theme colors. Once you get the baby home though, the most important thing about baby clothes is how well they protect your baby. Depending on the time of year that your baby is born, and the type of climate you live in, there are a variety of concerns to take into consideration for your baby's very sensitive nature.
For summer babies, or babies in warm climates, overheating is not the only concern. A baby's skin is incredibly sensitive to light, especially with the increasingly less protective o-zone layer. Sunscreen is not the only necessity for baby's sensitive skin. Keeping a towel or blanket over the baby's carriage or bassinet during summer play is a great way to keep the sun from harm View the rest of this article

Easy Cash Advance - Payday Loans Online Are Quick

Cash advances have become quicker to process with online payday loan applications. In as little as a minute, you can be approved for a cash advance and have the money in your checking account the next day. Cash advances can save you from life?s sudden financial emergencies.
Payday Loans Or Cash Advances
Payday loans go by several names including ? cash advance, check loan, or post-dated loan. These are all the same type of short-term loan for amounts between $100 and $1000 depending on your financial situation.
Payday loans are for small financial emergencies. You can save money on late charges or bounced checks by securing a cash advance against your next payday. You usually have thirty days to pay back the loan, although with additional fees you can tak View the rest of this article

Stretching Exercises, Yoga

Stretching and yoga aren?t just for people who can fold themselves up like pretzels, or movie stars who have nothing better to do with their days! It can be a beneficial practice to all who use it, and one doesn?t have to adopt the worldview of the swamis in order to reap benefits from it. The pace of our lives these days is crazy?some would argue destructive.
Yoga proponents say that learning the art form will not make you dull, but more magnetic, and show you the importance of slowing down. Yoga?s ?inactivity? can insert a moment to breathe in the midst of the hustle and bustle of life, can clear your mind, and re-energize you with just a few simple techniques.
The first lesson in any Yogic theory is how to relax. This doesn?t mean you flop on the sofa and View the rest of this article

The Benefits Of Laddering Your CD Investments

If you?ve decided to stock some money away in a certificate of deposit, why not reap the highest benefit over time by laddering your CD investments? What?s a CD latter? I?m glad you asked.
A CD ladder is made up by purchasing several CD?s at one time with different maturity dates. One example of a CD ladder is to have maturity dates of one year, two year, three year, four year, and a five year CD. These five investments make up the rungs of your CD ladder with one certificate maturing every year for the next five years.
For example, let?s say you had $10,000.00 to invest. You would buy 5 CD?s for $2,000 each with each one invested for one year more than the first. So you?d have a $2,000 CD maturing in one year, another in two years, and so on up to the last o View the rest of this article

Thyroid Disease Symptoms - Understanding Hypothyroidism Symptoms

Thyroid disease symptoms and hypothyroidism symptoms afflict millions of adults in the USA alone. Thyroid disease symptoms are frequently misdiagnosed or undiagnosed. Approximately 10-20% of women and 1-2% of men have symptoms of thyroid problems. The most common type of thyroid dysfunction is the condition hypothyroidism, also called low thyroid or underactive thyroid.
When thyroid function slows too much, one of the consequences is that metabolism in the body slows down more than it should. When the body's metabolism slows down due to underactive thyroid function, the result can be hypothyroidism symptoms such as fatigue, weight gain and depression. And other thyroid symptoms may be experienced as well, and these other symptoms may appear t View the rest of this article

Refinancing After Bankruptcy

Refinancing after a bankruptcy can seem like an especially difficult challenge, but it doesn?t have to be. Six months after your bankruptcy has been finalized, you can find lenders willing to refinance your mortgage. In fact, refinancing your mortgage can help rebuild your credit to good standing in two year?s time. The following steps will help you find the best refinance lender while helping your rebuild your credit record.
Preparing For Refinancing
Right after bankruptcy, you have six months to prepare to refinance your mortgage. Begin by establishing good payment history by regularly paying your bills and current mortgage. This is also a good time to open a credit card account to start establishing good credit history.
If possible, also start b View the rest of this article

Fast Cash Loans - When You Should Borrow And When You Should Wait

A fast cash loan should be an option used as a last resort to avoid a financial emergency. With its interest rates, a cash loan should not be used to purchase the latest gadget or fashion item.
Avoid A Late Payment
A late payment can cost you more than just a late fee; it can raise your interest rates on credit cards and future long-term loans. Higher interest rates on a car or home will cost more than a few dollars for a cash loan. While you shouldn?t make it a habit to pay bills with a cash loan, it is better than missing a bill payment and lowering your credit score.
Skip A Non-Sufficient Fund Fee
While a cash loan fee is high, a NSF fee on a check can easily be higher, especially if the merchant charges a fee as well. To avoid these spiraling cost View the rest of this article

Gardening For Senior Citizens

Are you in a wheelchair, and long to dig in the dirt and create flowering beauty and grow far more zucchini than you can give away? Or are your knees just starting to age and even though you've loved gardening all your life, you're having more trouble getting up and down and are afraid you'll have to give up gardening altogether? Did you botch the last pruning of your roses because of the worsening arthritis in your hands?
Welcome to the world of the physically challenged gardener.
Don't despair. Adapt!
There's plenty of help out there in the form of advice, tools, raised flower beds and other specialized equipment.
A Google search of "Disabled gardening tools" leads to 125 websites with specific helpful adaptive equipment. "Disabled gardening" gives View the rest of this article

How To Evaluate An Internet Business Opportunity

Many people are looking to the net to learn how they can make money online. If you are new online, the best bet would be to join an internet business opportunity so that you can leverage on an existing system to make money online. This article will highlight three things that any prospective internet business owner should consider before joining any new internet business opportunity.
The first thing that anyone should do when evaluating an internet business opportunity is to search the internet to see if there are any critical views on the internet business opportunity you are exploring. Always remember that the official forums of any internet business opportunity will be very much favorable to the internet business opportunity. A quick Google search will be a go View the rest of this article

Take The Guess Work Out Of Your Wholesale Property Purchases

We have become very concerned by the number of readers writing to us asking how to determine which are the wholesalers(*) that can be trusted. Why are we concerned? Because when we dig a little deeper, we realize that they are buying properties based solely on the recommendation of the wholesaler. They’re guessing which ones to trust, and which houses to buy. That’s a dangerous way to do business.





Are we saying that most wholesalers will take advantage of you? Of course not. We believe in wholesaling. We wholesale many deals ourselves every year. Frankly, the majority of wholesalers are honest, and try to provide data that is as accurate as possible. The problem is twofold: first, wholesalers are sales people and present deals in the best light p View the rest of this article


home rental ads

Online Associate Degrees

If you have not completed any college or university education after high school and are thinking about getting an online degree, one of your best options may to be to consider an online associate degree. These programs are readily available, come in a wide variety of choices, and generally take about half as long to complete as an online bachelors degree. Best of all they are usually half of the cost.
If you are considering moving in this way towards an online degree then look for accredited programs. Accredited programs can be transferred for credit at any college or university and that’s important because you may want to go back and get your bachelors or even masters degree at some point in the future. An unaccredited degree may prove to be worthless, so choose View the rest of this article

Personal Finance ? Why You Should Compare, Not Despair

Sorting out your personal finances can be a tricky and exasperating time. Whether you are looking to obtain money through a loan, protect your finances with life insurance, medical, travel or car insurance, save some money through an individual savings account (ISA), apply for a credit card or a mortgage, change a telephone or fuel utility supplier, or simply decide what the best current account is for your needs, the choices are seemingly endless as well as being extremely complicated. They can also be potentially serious if you get it wrong. With so many options, and so many companies trying to get you to use their product, it is difficult to know where to turn.
The first method of working out your own finances is to review your needs and compare the products o View the rest of this article

Master Bedroom Organization

In a perfect world your master bedroom should be a haven in which you and your spouse can retreat from the world and enjoy each other. Unfortunately, the same type of clutter and dust that invades every other room in your house can spill over into your master bedroom.
One of the easiest ways to spiffy up your master bedroom on a daily basis is make the bed. It's a simple as that. If you aren't someone who routinely makes the bed you'll be amazed how much better a room will look and how quickly you'll be hooked. A great facelift for a bedroom is also a simple one, it's called a "bed in a bag". These sets come with comforters, coordinating sheets, pillow shams and bed skirts. If you have a visible bathroom attached to the master bedroom it's nice to carry your colo View the rest of this article

Search Engine Optimization History

Webmasters today spend quite some time optimizing their websites for search engines. Books have been written about search engine optimization and some sort of industry has developed to offer search engine optimization services to potential clients. But where did this all start? How did we end up with the SEO world we live in today (from a webmaster standpoint seen)?
A guy named Alan Emtage, a student at the University of McGill, developed the first search engine for the Internet in 1990. This search engine was called "Archie" and was designed to archive documents available on the Internet at that time. About a year later, Gopher, an alternative search engine to Archie, was developed at the University of Minnesota. These two kinda search engines triggered the birt View the rest of this article

Marketing Lessons From A Las Vegas Hooker

If my story about on Marketing Lessons from a Las Vegas Strip Club, made you blush, you should stop reading now.
Last week, during my Music Business Brainstorm in Las Vegas, a couple of my clients decided on a few room service options which the hotel catering department didn't provide, if you know what I mean. And while the subject will be titalating to some, there are some good marketing lessons at play.
This one guy I want to talk about in particular called a service after seeing an ad in one of the entertainment guides. Within an hour, his "date" arrived.
The first thing she did, according to him, was to discuss prices. $1000 for everything.
When that wasn't an option, she gave him the option to get a dance for $100...and than got him for all he wa View the rest of this article

Her German Shepherd Dog Has Become "Collar-Smart"

Will wrote to me about his dog, Lexi, and said:
"Hello Adam. I have purchased your book and DVD set, and my 14 month-old shepherd Lexi and I have made great strides.
We started agility training at six months and thanks to the long line training, she no longer takes 1 or 2 obstacles and takes off running. We also are involved in training for show obedience.
Now here's my question that I need serious help with. I use the pinch collar during training as I should and she responds incredibly. The problem I have is when we are in the ring and she's wearing AKC standard collar, it's a whole different story, like we've never trained. She won't heel the way she does on collar (she lags behind) and on the handler recall she will usually blow past me. And obviously View the rest of this article