Dangers Of Lacking Financial Education And Giving Value To Others

In this article, I am going to talk about the dangers of lacking financial and values education which are just as important as our school education which mainly and still focuses on theory and academic score having read and understood the books by Robert Kiyosaki like Rich Dad Poor Dad as well as watching all videos of Eben Pagan on what it takes to succeed in business, relationships, wealth and improving all areas of life as his subscriber and customer which are in contrary to what we have been taught and conditioned to think and do by our parents, grandparents and teachers.

Truth being said, most of us only think of making money for ourselves, families and loved ones if we are married and have kids without understanding that in order to make money, we need to give and deliver value to others which is just as important. That also ties in with what Zig Ziglar said that you can have everything you want in life if you give enough people what they want in life. The only knowledge we have is that we have to study hard to get good grades and qualification so that we can get great jobs with high pay in order to have our homes, marry, retire, and live happily ever after. While our parents - especially those from low and middle-income families - told us this out of concern, this sort of mentality is sadly outdated in the current 21st century. And even more so with digital technology looking to shape and change the way we live, study and work.

A rich parent - for instance the current US President Trump - will never tell his children that. Sure at first glance, they will tell their children to respect others in public and tell them off if they are disobedient and do not behave. But behind closed doors of their homes only known to family members and maid serving them, they will share with them other things that poor and average parents will never share with their kids.

Which is while making and saving money are important, delivering value and smart investing to maximize it are just as important.

According to Eben Pagan in his YouTube videos, he said after years of studying about business and wealth, he learnt two critical things. One is that people do not like to give away their hard-earned money without getting any value in return. When I say value, I am not talking about anything that sales and marketing people offered them. But what people really need and want for themselves and loved ones. Second is that money has a hole in its bucket and unless you know how to earn, you will lose every dollar you spent never mind on what things.

Here is another truth of life which I discovered after my very own study and research on other articles and blog posts besides reading and watching videos by those gurus. That is money is never given or distributed evenly all the time. It is only for those who delivered the most value as in helping and making a difference to others' lives as well as those that others feel closest to. Even if it is otherwise, most people will squander on things they like short-term but are not essential long-term. Especially luxury items such as cars, condos, gadgets and jewellery to name a few. And when they spend all their hard-earned money with little or no savings, they will usually resort to those things.

1. Taking on 1 to 2 part-time jobs on top of their main one just to be able to cope with the daily expenses and support their family.

2. Borrowing from families and friends,

3. Asking for loans from creditors, loan sharks and banks,

4. Applying for credit cards,

5. Gambling in casinos, lottery and sports betting

While there is nothing wrong with the first though it might put additional stress on individuals' health and well-being, there is everything wrong with the other four which I myself was guilty of in the second and fourth.

Because every time you borrowed, you needed to pay back as we Asians have a very strong ethnic and principle on it. If they are not carefully abided by, tragedies may occur. Not just on individuals who cannot pay back and lose everything but their families as in their parents, parents-in-laws, spouse and children as well.

And the saddest truth is when the family is poor, the spouse have to work or take extra job as well to bear the costs and the children will have to give up their passion, interest and even studies just to work early to copy with the family burden costs.

For the rich, it is another story. Suppose if one or both your parents are running the company as bosses or CEOs, you will be required to help them out upon completing your studies.

Otherwise they will be judged as "selfish and unfilial who only think of themselves, inconsiderate and uncaring about their families' well-being."

That is if they want to pursue their ambitions, interests and passions they once have as children but are dismissed by most parents as naive child words, play and who are just asking them what they like to be when they grow up simply to make fun of them.

It may sound weird to you but that is the situation in my country Singapore.

Which explains why most people are conditioned to study hard, work hard, save hard and retire comfortably with just one working job income they see as honest earnings.

Any income incurred outside are dismissed by baby boomers in particular - as fraud from cheating other people of their hard-earned money which is partially true with some entrepreneurs but it is wrong to dismiss every business owner because of a few rotten eggs.

Given the fact that government supports them because they are our pioneers, very little room is given for youth development not just in terms of creativity and innovation but in terms of money and wealth management be it creation, multiplication and preservation.

The only things they know are saving, working and borrowing money as well as buying insurance policies from financial advisors who may or may not be acting in the interest of their clients.

Hence their ignorance, overspending and not earning enough leads them to be over-dependence on government to the extent of asking more and blaming the government when things are not going the way they expected and wanted. That will cause serious implications on our economy and society well-being in general be it relationships and the daily essentials of life we, our families and future generations need.

I don't mean to sound arrogant but if I am in the shoes of Minister for Education, I will make financial education compulsory as one of the main subjects. Especially when it comes to generating, growing and saving money while still acting in the interest of others as in giving value.

Which most people need to know but in actual truth, they don't which is absolutely critical.

Except for a selected few.

Like Warren Buffet, Donald Trump, Robert Kiyosaki and Eben Pagan I earlier mentioned.

Fx Trading Forex - Trading Foreign Exchange

The largest financial market worldwide is without question, the foreign exchange market, also commonly referred to as Forex or Fx trading. With a large volume of cash and activity in fx trading forex, there is high liquidity in this market.

According to statistical data, over $ 3 trillion changes hands around the globe on a daily basis. Along with these high liquid assets, you have the ability to trade whenever you want and at any price level that you choose.

In a forex exchange trade, a trader measures how much a currency is worth in relation to another currency. These currencies, between two countries, are traded in pairs. To illustrate this point, if you exchange US dollars for Canadian dollars, this pair would look like this: USD / CAD.

90% of the foreign exchange market is made up of 6 major pairs, and these are:

-EUR / USD: The Euro and US dollar.

-USD / CHF: The US dollar and Swiss franc.

-GBP / USD: The British pound and US dollar.

-USD / JPY: The US dollar and Japanese yen.

-USD / CAD: The US dollar and Canadian dollar.

-AUD / USD: The Australian dollar and US dollar.

Now we know that a currency's value is assessed against its paired value. So, when one currency moves in one direction, the other currency's position will verify the current value from this exchange rate movement.

Before the availability of the Internet, large institutions like banks and corporations prevailed in the forex market. In today's global environment, the Internet has enabled anyone with a computer to get involved with fx trading forex. The structure of this market is highly decentralized and is known as an Over The Counter market.

An advantage to forex trading is that you can start trading with a small amount of money. Education is key in developing a solid understanding and an individual trading style. Arming yourself with knowledge will also help you to minimize your risks and learn to trade more profitably.

I would suggest that you find one of the better online forex brokers and open a demo account with them. A demo account will allow you to play around with fx trading forex and execute trades without risking any money. You also have access to current forex news, charts and statistics, at no cost to you.

These are some of the benefits to developing your skills in the foreign exchange market. I hope that I have provided a few insights and wish you all the best with your trading plans!

Business VoIP Service

The new age businesses are looking to integrate VoIP into their setup of communications throughout the office. This technology, which is something that virtually every modern workplace has, is growing in popularity and works via your existing broadband connection, eliminating the need for a landline or even a cell phone and is significantly better than both.

When it comes to VoIP for Business service

It is imperative that you make certain the service contains the features that you need for your business. In addition, you need to ensure that you are aware of all the requirements on your end for the VoIP system to work efficiently.

For example, if your corporation already has a large amount of phone lines then you will likely be required to have a better high-speed internet connection than a business that only has one or two phone lines. The reason for this is to ensure the quality of voice that is transmitted through the phone service.

Comparing Business VoIP Service

When it comes to choosing the company you would like to obtain your business VoIP from - it is imperative that you evaluate the following

- Sound quality of the phone service

- Customer service quality

- Technology capabilities

- Up-front costs

- Operational costs

- Other implementation costs

- Quality of security provided

In addition, you need to determine whether or not the business service will operate on open standard internet protocol (IP) to route your calls. Open standard IP will greatly reduce your costs such as eliminating licensing fees while providing you greater flexibility when it comes to customization as well as new feature integration. Moreover, there will be no limitations on future business expansions.

Return on Investment Comes with the Right Business VoIP Set-up

In order to get the best return on investment or ROI, as a business, you need to find the right business VoIP solution to implement within your business. This is a critical move and it is not one that should be overlooked. The wrong VoIP set-up could drastically drop your business' reputation leading to a decrease in customers and sales. The right Business VoIP Service, however, could very easily give your reputation a significant boost, an increase in sales as well as customers, and provide you the ability to connect with your employees and customers in ways you have never been able to before. See why VoIP for Business is right for you.

For more info go to: http://broadbandbuyer.com/VoIP-for-Business/business-voip.htm

BroadBandBuyer.com

Los Angeles, California Highlights

Los Angeles is a very fascinating city and a great place for anybody to take a vacation. Visiting Los Angeles and the surrounding areas could be one of the best and most memorable experiences that you will ever have. Tourists seem to get excited about everything from the simplest things to the bigger things. For some reason, tourists always like to see the famous Hollywood sign and especially visitors from non-coastal states like to go to the beach and see the Pacific Ocean for the first time.

If you like more of an adrenalin rush of fun and are planning to come to the city of Los Angeles, you will be in reasonable driving distance from several amusement and water parks including Six Flags Magic Mountain, Hurricane Harbor, Disneyland, Knott's Berry Farm, Universal Studios, Raging Waters and other places like the Los Angeles Zoo and Griffith Park.

If you are really interested in the Film Industry, you can go to the tapings of numerous television shows where you can see your favorite stars live and in person. Or if you prefer to be in front of the camera instead of in the audience, there are several advertisements in newspapers, magazines and posted on telephone poles looking for all kinds of people who want to be background Extras in movies, television shows and commercials. No experience is necessary. Be sure to go down Hollywood Boulevard and look on the ground for the stars of your favorite entertainers on the Hollywood Walk of Fame.

You can go to Staples Center, home of the 9 time NBA (National Basketball


Association) World Champions Los Angeles Lakers. Magic Johnson has moved on from playing professional basketball, but you will still see his name all over Los Angeles. He is involved with a few businesses around town including some 24 Hour Fitness locations, the Magic Johnson Theatres located in the Crenshaw Shopping Center, Starbucks Coffee and Magic Johnson's TGI Friday's Restaurant.

Right across the street from the Forum in Inglewood where the Lakers used to play for about 30 years until a few years ago, is the Hollywood Park Race Track and Casino. They only have horse racing a few months out of the year. But you are in "Luck" because the Casino is in full swing 24 hours a day, 7 days a week to satisfy your gambling needs. It is one of the few places around here that at least so far, they still have FREE parking.

For Baseball fans you can go to Dodger Stadium, home of the former World Series Champions Los Angeles Dodgers. You would not want to go to Dodger Stadium without eating one of their famous Dodger Dogs.

Not only do we have professional sports champions, we also have our very famous cross town college rivals, the U.C.L.A Bruins and the U.S.C Trojans who have both brought back team championships to the city of Los Angeles and they both have had their students and alumni bring back Gold Medals when they were representing the United States over the years in the Olympics.

If you want to see another historic Sports site, then go to the Los Angeles Coliseum. Not only was it the home of the Rams and then the Raiders, way back when Los Angeles used to have a NFL Football team, but it was a major venue for both the 1932 and the 1984 Summer Olympics. If you watched the Olympics then you saw the Los Angeles Coliseum during the Opening and Closing Ceremonies and the Track and Field events. The Olympic Torch is still there.

While you are at the Coliseum, it would be well worth your while to walk over to the California Science Center in Exposition Park. It is a great educational learning experience for both adults and children. The Sports Arena is in that general area. Also, within walking distance in that area are several museums that you might be interested in going through.

You would not want to miss out on spending time on the 405 San Diego Freeway which runs along the west side of Los Angeles County so you can enjoy the bumper to bumper traffic that we all get to experience so frequently. Most people in the area call it the world's largest parking lot. Your foot rides the brake of your car while burning that expensive gasoline. Usually you are either at a full stop or traveling at a snails pace. Just hope that they do not have a vehicle accident on the freeway ahead of you because the snail would actually beat you in a race.

If you leave the Los Angeles International Airport (LAX) which is right next to the Playa del Rey Beach on the far west side of the city, you can get on the 405 freeway and head northbound. When you are finally able to get through the traffic, you can visit the J. Paul Getty Museum which is just before you get to the valley.

You can go to Marina del Rey just north of the airport where you can enjoy a dinner cruise on the ocean or bring your fishing pole and go out on one of the all day fishing boats or just hang out in the Fisherman's Village that overlooks the Pacific Ocean and has food, drinks and gift shops. There are places near most of the beaches where you can rent bicycles. There is Bike Path the runs along the side of the Pacific Ocean right on the beach. If you like rollerblading, rollerskating and / or skateboarding, then you will really like Venice Beach.

Normally from the west side of Los Angeles if you are at or near the Playa del Rey Beach and look up, you can see the planes taking off over the ocean. If you are somewhere east of the airport you can see the planes coming in for a landing. But if you look up and see a helicopter, don't get confused. It is probably not a guided helicopter tour. More than likely it is the Los Angeles Police Department Helicopter chasing down a suspect with the news media helicopters trying to get their shots and doing their best to stay out of the way. Police car chases are very common around here. You hear sirens from emergency vehicles coming from all directions. But that is Los Angeles' finest keeping our city nice and safe.

In all fairness, as a traveler you really need to make the safety of both yourself and your family a top priority no matter what city in the world you visit.

If you want to go on another cruise, you can go to Catalina Island. You can go over there, have some fun and come back the same day if you want or you can stay for several days if you really like it. There are numerous activities out there.

Another historic site that you would not want to miss is the street corner of Florence and Normandie Avenues which was where the 1992 Los Angeles Riots all began. Most of the businesses that were burned to the ground during that time have been rebuilt since then, so of course they look much better and more modern. Others may never be rebuilt.

On the far south side of Los Angeles County is Long Beach where you can see the Queen Mary Ship that is docked. You can tour the ship. Also, while you are in Long Beach you can visit the Aquarium of the Pacific for underwater adventure. Just like the California Science Center, it is another great educational learning opportunity for both adults and children.

For shopping, it depends what you are interested in. You can get just about anything you can think of at the malls which are located all over the place. The Del Amo Mall in Torrance (the southern part of Los Angeles County) is one of the largest malls in the United States. If you are looking for discount clothing and other merchandise, then go to the garment district in downtown Los Angeles. If you want the expensive stuff, then go down Rodeo Drive and the Wilshire Boulevard area in Beverly Hills. Just east of Beverly Hills is the Grove where you can check out the Farmers Market that has been serving Los Angeles since 1934. The area has been changed, expanded and built up over the past few years.

Wilshire Boulevard is one of the main business streets in Los Angeles that runs from the beach to downtown Los Angeles. So if you want to drive down Wilshire Boulevard just for fun, you can start by the Santa Monica Pier overlooking the Pacific Ocean and it will take you through the cities of Santa Monica, Beverly Hills and Los Angeles. When you get to downtown, be sure to take a look at the Los Angeles Civic Center area.

Another interesting street to drive down for fun is Crenshaw Boulevard. You can start at Wilshire Blvd and go southbound on Crenshaw Boulevard. It will take you through the inner city of Los Angeles. Your trip will take you by the Baldwin Hills Crenshaw Shopping Center, Leimert Park in the Crenshaw District, then through Inglewood, Hawthorne, Lawndale, Torrance, Rolling Hills Estates and all the way down until you end up in Rancho Palos Verdes in the South Bay area of Los Angeles County.

Check the schedule of the Los Angeles Convention Center. They always have some type of entertainment, business or informational seminars, expos or workshops going on over there. You might find something going on that you may want to attend.

There are countless food and beverage locations all over the Los Angeles area from fine dining restaurants to fast food places and every shade of grey in between that will satisfy any appetite. You just have to find the ones that match your taste. There are all kinds of entertainment, dancing, activities and shows even in addition to all of the things that are mentioned above.

If you are not visiting someone who has a car that you can use, then you should probably rent a car because waiting around for public transportation in Los Angeles will use up most of your vacation time. Have fun.

Top 5 Best Home Business Ideas

It is an ideal time to get started in your own home-based business as the unemployment rate is increasing day by day and there are no signs of improvement in the economy. If you are wondering, why should you give preference to home-based business over any other business type? Well, it is simple, the start-up investment needed to get going, flexibility of a job nature and great money-making opportunities are not found in any other business type nowadays.

There are various home-based businesses and in this article I will mention the top 5 home business ideas which can help you to start earning quick cash.

1 - Affiliate Marketing

It could be as simple as setting up a blogging site and reviewing products in your favorite niche to refer others. It would not be wrong, if I would say, it is a fast growing home-based business online nowadays as it can help you to earn huge cash if you would understand the tips and tricks.

2 - Freelance Writing

This is another decent way to start a home-based business if you have writing skills. There are number of websites that allow you to offer your services in ghost writing, short stories of technical writing. Some of the more popular jobs in writing are - writing topic related articles, e-book writing and auto responder emails etc.

3 - Business Coaching

Many small businesses cannot afford to have a full-time business coach, therefore if you have expertise it can be a great way to start a home-based money-making opportunity. It is always recommended to start offering your coaching to local businesses first and then expand it to a global market.

4 - Technical Support

This may be the avenue for you, if you are pro at assisting people to solve issues and technical problems. You can even produce your videos to show people step-by-step guide on how to resolve their common technical issue and that you can sell from your site.

5 - Blogging

Blogging has also been a one of the successful method to start home-based business as people has been making six-figures per year from it easily. If your blog is interactive and helpful for others, you can display ads and offer affiliate products and services to earn huge money.

Above mentioned are all very popular and successful ideas to start a home-based business but it is recommended to go with something you are passionate about, so that enthusiasm and passion will come across when you are doing it. This way, you will not be able to earn money out of it but will love your job too.

What is the Average Reading Speed ​​and the Best Rate of Reading?

The average reading speed of a child in primary school is around 200 words per minute (wpm). By the time we reach adulthood, it has not improved very much, as, on average, most adults read at a rate of about 200 - 250 wpm. While comprehension at this rate is considered reasonable, at 250 wpm it will be difficult to read large amounts of information in a short period of time.

Certain individuals claim to read at times of 10 000 wpm or even 25 000 wpm and say they are still able to understand all they have read. Even though rates like this may be achieved by these individual individuals, a speed of 1000 - 1200 wpm is the rate at which contestants read at the World Championship speed reading competitions. Therefore, if your average reading speed comes anywhere near this rate, you can consider yourself doing fantastically well. Do not feel that you need to reach championship levels in order to achieve your learning and reading goals. It is up to each and every individual to decide how far to push the speed limits!

For a person interested in increasing his abilities, a goal of 500 - 800 wpm is an excellent target. At this rate it is possible to get through large quantities of work in a short time and maintain a comprehension level of about 75% or more. This is an excellent level of comprehension and probably more than adequate for any of your required purposes. Compare this to the average reading rate of adults (200 - 250 wpm), where their comprehension level is only half or slightly more of the material they have read.

800 - 1000 wpm would be an outstanding achievement. In order to have reached this level, an individual may have invested in an excellent speed reading course and practiced speed drills. Believe it or not, comprehension at this level is also outstanding, reaching levels of 100% or very close to 100%.

Results of 100 - 200 wpm is considered a basic reading rate. In adult terms this is a below average speed, but for children between the ages of 6 and 12, it may be considered as average. Only low levels of comprehension are achieved at this rate. An adult who reads at this pace will be amazed at what some of the simple techniques will do for his reading speed. Reading at any pace below 100 wpm will probably be read by someone who is still learning to read or perhaps by someone who is reading in a second or third language. At this rate comprehension will be difficult.

How To Start A Photography Business

If you are a keen photographer why not considering turning your hobby into a business. The field of photography is vast and can incorporated:

• Weddings
• Portraits
• Commercial
• Stock
• Pets
• Scientific
• Food

As you can see there are a range of niches within photography. I know a couple of people who make a very good living simply taking photos of food. Most photographers will concentrate on a couple of niche areas and build up their reputation in these fields, getting well known in a niche area is vital to survive in a competitive market such as this one.

The beauty of self employment is that there are no job interviews, no courses to sit and no qualifications to get before you can start. Anyone can become a photographer. That said I would not advise setting up until you know your equipment inside and out and are confident that the photos you take are of a professional standard.

If you would like to further your credentials you could possibly participate in a short photography course at your local college or community center or even enroll on a more in depth night class at a local university.

Professional photography equipment is very expensive to buy despite advances in technology have made good quality equipment affordable for everyone. Ideally you'll need to purchase the following. You'll need a decent quality camera, a tripod, lightbox, filters, lighting, a certain decent photo processing software. The good news is that this stuff is affordable and you can pick up a lot of bargains on eBay. In addition to this decent software came be had for free check out http://www.gimp.org/ for an excellent example.

OK, so you've made your mind up, you've got your equipment and you're ready to start, now where are those customers gonna come from?

• Portfolio - Keep it simple here, you do not need to show your customers everything you've ever taken. Just show a decent mix of the shots you can take showing the quality of your work.
• Website - This is vital it can be used to showcase your portfolio, an e-commerce facility can sell your work and you can consider using AdWords and search engine optimization methods to drive traffic to your site and increase your customer base.
• Paint a picture - If you're showcasing your work to potential clients, try to use framed shots rather than just images on a screen these paint a picture in your clients eye and make them much more likely to buy.
• Use promotional flyers and postcards to showcase your work, put these in local shops, libraries, community centers etc.
• Consider using other local business to promote your work. You could provide local coffee shops, cafe's, gift shops etc. with framed pictures to put on their walls, these could also be offered for sale giving you an extra income stream.

You'll need to register with the appropriate body for tax purposes. In the UK you need to register with Revenue and Customs. You've got three months to register once you've started trading but you need to keep your records from day one. Bookkeeping does not need to be a complicated business at its most basic level just need to record everything coming in and going out of the business. That said there are a number of sophisticated systems out there on the market such as Sage Accounts and Quickbooks which you can buy to make the process easier for you.

To assist with this it's always worth setting up a separate business bank account. Most high street banks will allow you a fee free period to use their services. Once this period is up you will usually pay charges based on the number of and nature of transactions you make.

You may also want to consider public liability insurance although not necessarily a legal requirement it'll cover you for any accidents or accidents that arise as a result of you being in work. Typical cover will be in the region of 2 million pounds but as the risk for this type of business is minimal the premium should be easily affordable.

Overall, setting up a photography business can be very straightforward and well within the reach of most amateur photographers to turn their hobby into a business.