A Solution For The Baby Boomer Retirement Crisis – It’s Not What You Think!

It creeped up on you before you knew what happened. Maybe you were downsized and left with the decision to seek new employment or retire.

Perhaps you sought to remain in the workforce for a few more years, only to find out that the marketplace really changed for 50+ year olds. As a matter of fact, the good jobs for your age group, were gone.

How many of us Baby Boomers have experienced this or something similar? The realization of aging suddenly kicks in and it sucks!

What about the current lifestyle that we have become accustomed to? Are we going to have to cut back?

If we have a spouse in the workforce, what happens if the same thing happens to them? Don’t even want to think about that.

All of a sudden, the fear starts to set in and the scarcity mentality is in full gear. The house needs repairs and both cars are aging… How are we going to keep up?

Let’s put a stop to all of this right here and now. There is a course of action that will alleviate all of this. What is it?

What say we tap into the power of the internet and start our own online business. The entry fees are very low and the potential is unlimited.

There are no age barriers on the net. There will be no bosses on the web. We are in charge to build our business the way we would have it.

Probably, the first objection would be: “I know nothing on the tech side of things.” Fair concern. Problem solved with what I have in mind!

Second objection would probably go like this: “I have no clue as to what to do to earn money on the internet.” There is a training platform that will take care of that. Thousands are reaping the benefits and making money.

Third objection might be: “How do I know I can trust what you are saying?” That’s easy… Everything is wide open and transparent, as to what I am telling you.

You might be saying something like: “This sounds like an alternative to what I am facing in the job market. What do I need to do to check this out?”

Head on over to my site and see what is going on here. I think you will be pleased at what you see and it won’t cost you anything. Use the resource below and I’ll see you over there!

Continued success,

JT



Source by John J. Thomas

How to Clean and Fix Your Oscillating Fan

When cleaning the fan, you will need the following things:

-a screwdriver, to open the fan

-detergent and some warm water to clean it

-dry cloth or a towel to wipe off the remaining water

Not really a lot of things, right? Well, that’s one more benefit of oscillating fans-they are really easy to open and clean. An oscillating fan cools down more air than a regular fan, so it’s more likely to get dirty faster and more often. That’s why it’s design must allow easy cleaning.

So, the first thing you have to do in order to clean the fan safely is to unplug it from the electricity. After that wipe off the surface dust from the fan. When you have done that, you can begin disassembling it. Remove the grill by unscrewing the screws that keep it together. Some grills don’t have crews but clips and that makes the process even easier. Remove the blades by taking off the screws that keep them attached to the fan. Now you can use detergent to clean the grill and the blades. Be very careful with this because you don’t want any electrical components to get wet. After that use a dry towel or a cloth to dry the washed parts. Before reassembling, the grill and the blades should be left for some minutes to dry a bit more. That way, you will avoid getting injured or breaking down your fan. Reassemble the fan in the reversed order in which the parts were removed. Tightly screw in all the screws, plug it in and test it. Your crispy clean fan should now work perfectly, the ticking is probably gone, and the air is better because you stopped the accumulated dust from spreading around the room.

If you can hear the clicking noise while the head of the fan moves it could be just dirt. However, it could be that the gears are worn or loose. You will have to open it anyway so unplug it and to that.

– Take a screw driver and unscrew the grill of the fan. Take off the blades and clean them altogether with the grill, the shaft and the motor housing. For the grill and the blades you can use only water and detergent but for the shaft and the motor housing vacuum cleaning wouldn’t be such a bad idea. While you are there inspect the motor. If the gears look OK put everything back together again in the reverse order and plug the fan in the electricity. The fan should be running quietly now.

– If the gears look like they need a replacement or tightening up, then your work is not done yet. First check the set screw. If it’s loose tighten it up because this screw balances the blades and when it gets loose they are not balanced correctly and that may cause the buzzing and clicking sound.

– Also inspect the gear assembly and the motor housing. Try tightening them up. If you can then all should be good. But, if they can’t be tightened that means that they are worn and you have to replace them. After they are tightened or replaced lubricate the shaft and reassemble your fan.



Source by Nevena Radojicic

Do Not Buy the "Rich Dad, Poor Dad" Book Until You Read This!

Rich Dad, Poor Dad, Robert Kyosaki

"What the rich teach their kids- that you can learn too."

What is the book about?

Rich Dad, Poor Dad introduces you to the basic principles of investing, explains why investing is so important, and explodes the myth that you need to earn a high income to become rich.

Who is this book written for?

If you have little or no financial education and want to learn the basic rules about investing, read this book!

Robert Kyosaki, a self-made millionaire, successful business owner and international best-selling author, teaches you about investing, by recounting the story of his financial education from two strong role models:

Poor Dad (his natural father), a well educated and highly paid government official.

Rich Dad (his best friend Mike's father), a high school dropout and successful businessman

Each Dad had a very different attitude and approach towards the subject of money. One ended up jobless and in debt, the other, one of the richest men in Hawaii.

Robert describes, how as a small boy, he made the decision to listen to his Rich Dad who surprisingly tasted him how to think, act and become rich.

"One dad had a habit of saying 'I can not afford it' the other 'how can I afford it' … One statement lets you off the hook, the other forces you to think"

Robert writes in a simple, non-assuming style without complicated words and financial jargon. Through amusing stories and simple diagrams he explains the six basic lessons his rich Dad taught him about money.

"Most of us learn about money from our parents, so what can poor parent tell their child about money? Stay in school and study hard? Schools focus on scholastic and professional skills but not on financial skills. accountants who earned excellent grades in school, struggle financially all of their lives "

I say:

Never read a book about investing? This should your first one.

I came across "Rich Dad, Poor Dad" completely by accident, in my local bank.

It immediately stuck out from the boring "money magazines" and after flicking through a few pages, I was so impressed (and surprised) a book about finance that could actually hold my attention, that I bought it and finished it in one sitting.

For anyone (like me) who parents never taught you about financial matters, I suggest you buy this IMMEDIATELY!

There are no definitive, practical instructions of how to get rich, but it will open your mind to the possibility. More importantly it will change the way you think about money forever.



Source by Myles Harman

People Verses Technology

With the recent upsurge of technology, many companies are employing these technologies in many of their operations including sales, record keeping and as far as customer service. Advertising and publicity are now done more effectively than ever, reaching more customers. Another big area that has also evolved with technology is customer service.

Organizations are now employing sophisticated methods to get feedback from customers and give the appropriate response. Some organizations have however gone too far in their bid to employ these sophistications in delivering customer service to their clients. Customer service is now run entirely by automated systems instead of human beings.

Google has reportedly been running most of its services by automated systems. Automated systems provide help to customers; disseminate information to customers and almost everything. Google Health is being run by an automated system, but offers no live help for the system. It means that sick people using this facility only get to interact with a piece of software and not a human.

The fundamental flaw here is that, software is designed to accept a predictable input and produce a predictable output. Human behavior is however unpredictable. If for instance, the health system is designed to prescribe malaria drugs for a patient reporting with a headache and fever. What happens if a patient walks in with a headache but no fever? Provisions could be made for such cases, but there will always be an element of unpredictability at play. A customer service system that suggests solutions may be ineffective when the user encounters a new problem that was not factored in the design of the system.

In any information system that will be used by people, it is very crucial to offer human help to customers, though it may come at a higher cost. Google must be able to offer human help for its facilities as humans are in a better position to handle unpredictable situations than software and hardware.



Source by Andy Fitzpatrick

Important Tips About LCD Televisions

Liquid crystal display television is now considered as the best option when it comes to flat panel category. Well known for energy efficiency, it is the hot favorite product of the consumers. When compared with other types of televisions, LCD generates less heat even if used for prolonged hours. These two factors make it environment friendly television, the core characteristic that attracts the attention of modern consumers. In the recent past LCD television technology was subordinated to many up gradations to make it free from few minor aberrations it suffered in the early stages of its introduction in the markets.

At the outset, there is a general perception that LCD television is an expensive product especially when compared with the conventional CRT. But considering the qualitative advantages it offers, the consumers will be convinced that they have opted for a bargain. The cost of this television of 23 to 40 inches sizes is much lower than other flat panel televisions of same sizes. Further it is well known that LCD is a better choice when it comes to small screens. With the innovative natural light technology, its dynamic contrast ratio has been brought to 50,000: 1. LCD television with HDMI input can offer superb digital display. It can also offer high definition audio and video output. Some models come with picture in picture feature which enable the viewer to watch two programs simultaneously.

One of the advantages of this television is that it has no burn-in problem like its counterpart plasma. The early models of LCD had problems with viewing angles. But modern products offer 176 deg. viewing angles. Many of the LCD comes with VGA input making it capable to be a computer monitor. It is also free from altitude problems and can be used in hill stations etc without hassles. Enhanced response time and refresh rates in the LCD make it free from motion blur. LCD TVs will have no problems from ambient lighting and offer superior display irrespective of surrounding conditions. It can offer high definition output with superb color saturation.

Television market is functioning in a highly competitive environment. Well known manufacturers like Panasonic, Samsung, LG, Toshiba, Sony and Philips are among some leaders who offer innovative LCD televisions. Some of the latest ones have automatic light adjustments to match ambient lighting. Another feature incorporated in this television is the Dolby technology which will balance the volume of sound while maintaining Bass and Treble. Built-in USB port and SD card slots are provided in all LCD products. As for response time latest LCD models have 4 milliseconds, a feature which enhances the quality of display.

Periodical up gradations of technology, as mentioned earlier has helped LCD technology to eliminate almost all the inherent anomalies implemented in the early models. Recent market surveys reveal that the demands for LCD are growing by 12 percent every year in the global market. The recent development of LED backlighting in this LCD TV is poised to give boost to the popularity of the products. The new technique is now being progressively implemented in several brands and models and it is expected that in another 5 years at least 25 per cent of LCD TVs will have LED back lighting feature. Even though this new feature will make the television a bit more expensive, the quality conscious consumer world will no doubt accept it without reservations.



Source by Fredrick Joy

Pajero Sport Test Drive: A Review

The Pajero Sport was earlier marketed by Mitsubishi as Challenger. Now, the Japanese automaker has made the vehicle available as a re-engineered version of the original Pajero. In this article, we will be discussing about the test driving experience offered by this amazing car.

Let us begin by the changes introduced by the automaker. The Sport has an absolutely new rear suspension. Mitsubishi has provided it with a smoother coil-spring set-up, which comes accompanied by a live axle at the vehicle’s rear. This combination offers great off-road results; the sturdy differential of the live axle lifts the Sport seamlessly out of the holes. This never happens in case of independent rear suspensions.

Another excellent feature added to this Mitsubishi creation is the company’s own version of terrain response. This gives people driving the car the opportunity of dialing up different settings for driving comfortably on rocks, gravel, sand, mud, and snow. In short, the vehicle can be described as a pretty brawny off-road performer. Its ground clearance is also pretty good at 250 mm; its wading depth, on the other hand, is 750 mm.

Let us now discuss about the Sport’s on-road performance. In this sector, the Sport beats the Challenger by a big margin. Due to the newly added driving features, the ride offered by the car is comfortable and soft. Turning the SUV is an extremely easy job; you will not need to be a professional to complete steep turns when driving the Sport. The car has a light steering and boasts a significantly impressive turning circle. Both vibration and noise remain suppressed; so, the passengers as well as the driver feel as if they are traveling on a silky road devoid of any potholes and bumpers.

The wheel articulation of this Mitsubishi creation allows it to beat massive obstacles without any difficulty. This quality of the car is enhanced even further with one of its most talked about features, the Super Select 4-WD.

The car’s engine performance will also impress the majority of the users. Some might say that it’s a bit off bit; however, no one would ever be able to call it unsatisfactory. The fuel economy of the Pajero Sport is rated at around 8 liter per 100 kilometers.

From the driver’s point of view, the biggest plus of the Sport is its ability to offer similar driving experience in all terrains. As a driver, you will not need to develop a different skill to take this SUV to a hilly or snowy terrain.



Source by Mehul G Brahmbhatt

All Inclusive California Vacations

The demand for all inclusive California vacations is on the increase as they are perfect for a quick getaway. It is one of the most popular options available to travelers in California. They take care of a wide assortment of vacation needs at an all-inclusive price. It is Ideal for travelers looking for fun and entertainment all in one package. All inclusive California vacations are package deals that include everything to make your vacation truly memorable. With these packages, the traveler can save money and time.

The facilities covered in the all inclusive California vacations vary greatly, it depends on the rates offered by tour operators and resorts. Most all inclusive California vacations include transfers from the airport, comfortable accommodations, all meals and snacks, all beverages with or without alcohol, all hotel taxes and tips, entertainment, and recreational opportunities.

Certain all inclusive California vacation packages cover night entertainments, land sports, and non-motorized water sports.

There are many tour operators and travel agents in California who provide assistance in planning an all inclusive vacation. The cost of all inclusive California vacation packages depends on the range of facilities offered in the package. Normally it must include the hotel room or bungalow, meals, and transportation to various places and other basic activities. So, prior to signing an all inclusive vacation package, it is necessary to compare the different packages offered by tour operators. Make sure to take advantage of all discounts that are offered in the vacation package.

Balboa Bay Club and Resort, Evergreen Lodge at Yosemite, Granlibakken at Lake Tahoe, the Fairmont Sonoma Mission Inn, and Warner Springs Ranch are some of the all inclusive vacation resorts in California.



Source by Eric Morris

What Fitness Classes and Programs Do Most Gyms Offer?

More people are recognizing that participating in an exercise program is essential to maintaining good health.

Because of this surge in popularity of obtaining a much more fit life, more people are now signing up for exercise programs. Gyms have responded to the increased consumer demand for fitness programs by implementing a variety of fitness classes and programs.

The following lists fitness classes and programs that most gyms now offer:

Aerobics: Aerobics classes are a great way for people to get fit. It is beneficial for weight loss, strengthening your heart, and toning your muscles. There are a number of forms of aerobics such as step, water, and dance aerobics.

Yoga: Yoga focuses on flexing the muscles using different body positions. Breathing techniques and achieving mental serenity are part of the Yoga experience.

Weights: Using weight exercises are a great way to tone muscles and build strength. It is also a great exercise program for people interested in body building.

Pilates: Much like Yoga, Pilates helps one improve posture, tones the muscles, and makes the body stronger. It involves the art of ‘balancing.’

Toning Programs: These exercises take place on a mat on the floor. It is a great way to flatten and firm the stomach and firm the muscles on the legs and buttocks.

Tai-Chi and Karate: These programs focus on exercising using physical combat. It is great way to tone muscles and strengthen the heart as well as the mind.

Swimming: Swimming has always been a great way to get fit. It affects every muscle. It is great for people with back pain and pain associates illness such as arthritis.

Cycling: Many Gyms offer a fitness programs using their exercise cycles. Users are able to increase or decrease the resistance to meet their fitness levels. It is a great program no matter what your fitness level is. It is beneficial for firming leg muscles and improving heart and lung function.

Weight Reduction Programs: With a weight reduction program, there would be such activities such as cardio exercises, fat and calorie burning workouts and toning exercises that helps people lose weight and firm the muscles.

Senior Fitness Programs: Gyms offer a wide variety of fitness programs for seniors. This can involve cardio, aerobic, dance, and swimming programs. They are all designed to meet the health needs of seniors.

Fitness Training for Pre- and Post-Natal Pregnancy: This type of program is designed to strengthen the lower back as well as provide stress-reducing exercise techniques.

All exercise programs and fitness classes are designed to improve the overall health of a person over the long term. Health risk assessments are usually performed that focuses on a person’s strengths and weaknesses. A description of the fitness classes is normally available at the Gym, or people can speak to the instructor to find out more about the programs. Before undertaking any exercise program, it is important to consult with a Doctor to determine any possible health concerns. Today, Gyms have fitness programs designed for anyone of any age.



Source by Amy Nutt

The Importance of a Credit Report

Your credit report in combination with your credit score is as important as the air you breathe. Without it, you won’t stand a chance or survive in the United States. To most of the country, you are just a number in conjunction with a credit history. It does not matter whether you are good person, volunteer, lie or cheat. It only matters how responsible you are with your personal finances.

The simplest way to find out about your credit history is to order a copy online. You want a website that provides you with information from the three major credit bureaus;Experian, TransUnion and Equifax. These bureaus analyze your financial decision making; both past and present, and put that information into a report. A good website to use that provides this information is creditchecktotal.com. It only costs $1 to check and can provide you with invaluable information compiled into a credit report. Your report will not only provide your current credit score, but also your entire credit history.

A credit report acts as your credit references. A positive credit history tells potential lenders that you manage your finances well, i.e. borrow money and pay it back in a timely manner. A negative credit history tells lenders you have a difficult time managing your finances and instead are in debt, often not repaying them as agreed.

Credit reports help you by providing you with your personal financial history. This may include attempts at fraud made by others at your expense or errors made by varying lenders. The report can also provide you with information on good or bad decisions you may have made in the past. By staying up-to-date with your financial history, you can ensure you are making good choices, have the ability to detect if someone is committing identity theft and ensure there are no errors.

In addition, a credit report can explain why you were not approved for a certain loan or line of credit. Even though you had a great or excellent credit score, you still had a negative item or charge back on your credit report, so the financial lender refused to approve you.

You can also see how fast your credit score can be transformed. If you go ahead and start repairing your credit, you can watch how fast negative items can be removed and how fast you will gain points putting your score from bad or below 600 to above 700.

If you are not happy with your current FICO score and/or credit history or find there are errors in the report, you can contact a credit repair company. The credit repair company can boost your credit score, remove negative items and/or dispute errors on your behalf.



Source by Lori Askins

How to Find a Reliable House Painter

You’ve decided it’s time to bring in a professional to paint your home but how do you find a reliable house painter? There are many things to consider when making the important decision of who will paint your house. While it might be easy to find a painter it’s not easy to know which ones are qualified and reliable so you know the work will be done to last.

A couple of places to look for a painter:

Ask around – have any of your family members, friends or acquaintances recently used a local painter? If so, go check out the work they did – there’s nothing like seeing it with your own two eyes to determine if that painter did a good job.

Check for advertisements in the local community and regional newspapers.

Check with a few local contractors, real estate agents and your local paint store.

Once you’ve found them you should probably:

Check the Better Business Bureau for complaints against the painter you choose to hire.

Word of mouth is a powerful thing – ask around to see if anyone you know has heard anything negative about the painter you choose.

Ask for references – any reputable painter will gladly provide contact information for previous clients.

Ask the references or the people that referred the house painter if they were happy with the work, if the non-painted surfaces were protected and how the painter was to deal with, were they pleasant, on time and reliable?

Ask the painter to come out and see the scope of work and request a quote. Make sure the quote has details such as which areas will be painted and how many coats of paint will be provided at the price he’s providing.

Once you’ve found a few painters that gain your initial approval and that are within your price range, there are a few key things you should be looking for.

Your house painter should have extensive knowledge and experience with regard to the tools they use like brushes, scrapers, tape and rollers. They should know how much paint and primer a job would require and what type of paint to use. They should also know things like how to remove wallpaper and how to properly fill a hole.

A responsible painter should have business insurance as well as worker’s compensation insurance. If your painter doesn’t have insurance and accidentally breaks something or hurts themselves it would be your responsibility to incur the charges associated with the accident. Ask for proof of insurance before hiring your house painter – it could save you a lot of money in the long run.

Also inquire about preparation of the area to be painted – will your house painter take all necessary actions to ensure the painting job is done correctly? Will holes need to be filled and sanded prior to painting? Will your painter be able to tell if an area will need to be primed before painting? How many coats of paint should each area be covered with?

Clean up is also a good area to ask questions about. Will your house painter leave your house in the manner in which they found it? Will they complete the job with respect for your rugs, ceilings and belongings? Non-painted surfaces should be properly protected with drop sheets.

The best house painter will be punctual, willing to answer all your questions and have all necessary materials and tools at their disposal.

Always request details of the job in writing – a written contract will protect you and the painter so that once completed everyone is happy with how it all went. The contract should include paint colors and paint brand to be used, the number of coats. Also specify the clean up requirements, the painter should be responsible for the removal of paint from any surfaces that did not require painting (floors, windows, etc.).

Keep in mind all of the information above and you should be able to find a reliable house painter that can get the job done for you at a reasonable price.



Source by Wendy Cooper