From Debt To Financial Prosperity

In this consumer based society we live in we are spoiled for choice in terms of the consumables we are offered. Regardless if we actually need these products or not billions is spent in the media to convince us that we do. The vast majority of the population does not live within their means. The increasing availability of credit is one factor that is blamed for the increasing amount of personal debt in western society.

On the surface it seems that the availability of credit has plunged many into huge amounts of debt that they will spend the rest of their life paying off but this same weapon called credit it used by savvy investors to create a life of luxury and prosperity in which they can afford the finer things in life.

So what is the major difference in how successful investors and the average consumer use credit?

Well the major difference is smart investors use credit to leverage their investment exposure. This simply means that they borrow to invest. Smart investors do not take on credit if in the long run it will not lead to an increase in income and a positive cash flow. The average consumer on the other hand spends thousands on new cars that depreciate rapidly, holidays they can not afford, large plasma TV's, designer clothes, and homes they can not afford to live in. Ironically some smart investors do like the life of luxury but they almost always certainly live within their means.

The message is quite simple if you must live a life of luxury never borrow money to do so involuntarily you will end up spending years to pay off huge debts. These crippling debts often lead to stress, depression and in allot of cases divorce. Millions of people worldwide live in the bondage of debilitating debts and the only reprieve they are offered is more debt over a longer time period to ease their current debt repayments aka debt consolidation. Extreme caution is advised if you choose debt consolidation as an exit from a life of debt.

So how can one make the transition from debt to prosperity

1: Evaluate your Cash Flow
Determine how much money you have coming in each month and how much money is being paid out in debts, expenses and other liabilities. Start with your expenses and get rid of monthly outgoings that are not necessary. This is foregoing temporarily certain amenities for a permanent solution to debt. Club memberships and other things that are not necessary can be canceled. Once you have trimmed down your monthly outgoings by 100-200 pounds / dollars save the extra money or spend it on repaying debts off sooner.

2: Avoid paying Interest only
Interest only loans may seem cheap in terms of monthly repayments but in the long term the overall amount you repay can sometimes be as much as 50-150% of the original loan.
3: Live within your means
This is quite simple forget what you have been brainwashed to believe, you do not have to drive a new car or have the finer things in life at the expense of personal debt. Buy only what you can afford to pay for in cash. By forming the habit of only paying cash you are forced to purchase only the things that you can afford.

4: Pay of Loans early
Paying debts of quickly means you end up paying less in the long run. Think about it why are banks so happy for you to pay less monthly?

5: Consult a financial planner
Sit down with a financial planner and draw a road map to get you out of debt.

Taking any of the above steps will free up a few extra hundreds a month. Now that we have a bit of free money you must start to invest if you do not want to retire poor. Remember regardless of what you have stored for your retirement cash based assets have continued to devalue over the last hundred years and even further back. This simply means 1 million 10 years ago had more buying power that it does today and its only reasonable to assume 1 million today will not have the same buying power in the next 10 years. Drastic steps must be taken to secure your future otherwise you may retire with the nasty shock that you simply can not afford to retire.

The key is investing your money (yours and the banks) and getting it to work as hard as possible. Once your outgoings are reduced and you live within your means you should now be looking to supplement your income with investments and / or small business. This time you use your old adversary called credit and turn him into an ally.

By using financial leverage you are simply speeding up the transition.
But before you even think of investing a dime invest in your financial education by buying books on success, prosperity, financial planning and budgeting. Once you have gained better insight into the financial world seek financial advice.

Some of the things you can invest in include buy to let properties, franchises, small home based business just to name a few. But most new investors start of with real estate. But be smart real estate is all about timing and pricing so if you do start by acquiring real estate make sure you no what your doing and the timing is right.

In summary cut your outgoings, pay loans of early, live within your means and used credit as a tool to increase your investment income and not for personal extravagance.

Good luck and hopefully you join me and make that transition form debt to financial prosperity.

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Brown Seaweed

On this wonderful place called earth there are many bodies of water that brown seaweed thrives, however not all these places that it grows under the water is pristine and pure free of contaminants that can harm people if it is consumed by them.

It is for this very reason I chose to write this, I have traveled the world and many of the locations that the native persons are harvesting this brown seaweed are in shipping lanes and so forth. They do this because they are well aware of the truly life sustaining properties of it.

And they eat it in there daily diet in its raw form. Even though it is a little hard on ones pallet, they still do this because it is grate grateful to there body. You see it's briny and rubbery to the taste.

You see this brown seaweed gathers its vitamins and nutrients from the water and sun shining through the water as it grows, so anything floating in the water or in the soil it grows in is absorbed in the brown seaweed.

This is a concern of mine and others, because things like Mercury, lead and other things can be very harmful if consumed. So it is very important to get the brown seaweed from the purest places, one of those places is around the islands of Tonga.

There are no shipping lanes there at all, and it is the purest waters there are, the brown seaweed grows there in grape abundance. And you should know that the business that I'm in not only has it in a liquid form that 15 years was spent developing the cold process.

But also owns the rights to this process, And for your information not only can you buy brown seaweed bottled and mixed with mangos, papayas, apples and pears so it taste really good, It is way more potent than just eating it in it's raw form !

Furthermore you can get residual income while investing in your health from this very beneficial brown seaweed! The people of Tonga and Asia have known this for thousands of years! And now you know. Start using this knowledge.

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What’s the Hype With Coin Collecting? It’s Fun

If you are ever wondering what the hype is about with coin collecting then this is the article for you. Coin collecting is a great hobby. It also turns into a business for some. Any variation from a coin that is in regular circulation is collectable. Some of the coins include Quarters and Dimes before 1965. They are made of 90% silver. An easy and very fast way to check for these coins in your wallet or from a bank coin roll is to just look at the side of the coins. If the side is all silver with no copper showing, then it is a silver coin. Be careful with nickels however, because only the 1942 to 1945 nickels are silver. They are 35% silver and checking the sides will not work because they do not have enough copper in them to begin with.

1944 Steal Penny

One of the best finds you could get would be a 1944 steal penny. These penny's are worth between $ 100,000 and $ 200,000. The same is true for the copper 1945 penny. The reason for this is because copper was used for the war to make bullets. They used steal for pennies during 1945 so they are supposedly to be steel. If they are copper when you find a 1945 penny then you have a very rare wheat penny worth a lot of money.

You can use the silver side trick for half dollars as well. Older half dollars are ninety percent silver and semi old Kennedy Half dollars are 30% silver.

You can also go on eBay or coin websites like heritage auctions.com. You can get US coins, International Coins, ancient coins, and more. When you bid on a coin in an auction site. Be sure to make sure that the coin is in at least fine condition. You do not want a coin that is in bad condition because it makes the coin worth less.

Coin Roll Hunting

If you really want something cool to get added to, try going to your local bank. Go to the bank where your checking account is. Ask for rolls of coins! I usually ask for a box of pennies, which is $ 25 worth of pennies or 50 rolls. I also ask for a few dime and nickel rolls. What you'll find will always be a ton of fun. I collect wheat pennies which I find in every other roll usually, Indian Head pennies which in great condition are worth at least $ 10 especially if the word "Liberty" on the headdress band is clear. The 1906 S Indian Head Penny is worth $ 600! It is rare. I've found buffalo nickels which when the dates are legitimate are worth $ 2.00 at least. I found Mercury dimes which show a winged liberty bust of lady liberty and are silver. Also, silver war nickels. Taking out a quarter roll is fun too. You'll find a few silver ones now and then. A 1932 Silver quarter is worth good money. Happy coin hunting!

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How To Choose A Home Loan

Finding the best loan means that you will have to look and see which one best fits your particular situation. Since people have different ideas about buying a home, you will need to look around and find one based on your needs. Here are some different home loan types to help give you an idea of ​​what is available.

Probably before you do anything else, it would be a real good idea to sit down and figure out just what you want to do about your house. Do you intend to stay there the rest of your life, just a few years, or perhaps as many as 15? After that, then what are your goals relating a house? If you are planning on selling and buying another one, will you want a larger one or a smaller house? Also, try to get an idea where you reasonably will be financially at that time. Each of these aspects will help you to plan more accurately and help you determine what kind of mortgage you need.

All home loans will fall into one of two categories. It is either a fixed rate mortgage or an adjustable rate mortgage. Fixed rate mortgages (FRM) means that your payments and interest stay the same without any changes. The adjustable rate mortgage (ARM), on the other hand, will have a fixed rate for part of its term, and then will go to an interest rate that changes either monthly or annually. This also means that your payment changes, too, with the current national rates.

Short Term Plans

If you have short plans for buying and selling your new home, then there are some home loans that will be better for you than others. A balloon mortgage gives you the advantage of low payments because, while it is based on 30 years, it will become due after 5, 7, or 15 years. Being that an ARM changes with the market, it will be lower than an FRM, and should be rather stable for the short term. The balloon payment will be due at the end of the year you choose, but you can sell it before that time comes. If you change your mind about selling it though, then you will have to refinance it at whatever the current interest rate is at the time.

Long Term Plans

Buying a house for the long term means that you want the best program for that, as well. Many people got ARM's so that they could buy a larger house, but then they take the risk that the rates will not rise too high after the adjustable rate portion kicks into operation – or else they plan on refinancing. You should determine whether or not to use an ARM if the current interest rates appear to be somewhat stable. Of course, there are no guarantees, but an FRM will definitely provide a hedge against it.

In the long haul, though, you can always refinance – no matter what you have. Costs will need to be considered before you do, and it will be easier to sell if you allow equity to be built up in the house (avoid creating negative equity). Home loans need to be researched carefully to find the best deal. Also watch out for early payout penalties, which actually penalize you for being thrifty enough to pay it off early.

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The Best Currency Trading Software is the Best to Trade – Manual & Automatic Trading

What is the best currency trading software that can help you out? Or should you try regular manual trading? It's all up to you, you have plenty of options which is the beauty of Forex, you have plenty of different ways of making cash. That's why you should start now and try to make as much money as possible!

Okay, so when it comes to the Forex market, you want to start with a sense of urgency. There are many different ways of monetizing the Forex market with manual and automatic methods, we are going to go with both methods, explain why they are great, some additional stuff, and why you should in the end consider both options!

Manual Trading
Manual trading is great if you actually know what you are doing. Many traditional expert traders like to trade their own money, they trust their own hands – and feel if they can not trust themselves then they can not trust "software", so they do so and successfully, there are others that fail, and fail miserably ! First of all, many of the manual traders actually use something that is called a Forex indicator, it uses technical analysis, which is complex mathematical formulas that measure different things and statistical in the market to determine the future.

Predicting the future is pretty tough, but it is still very possible with Forex. Manual traders also use something that is known as a fundamental analysis. This is very useful because it takes the state of the currency home's economy into account, by using both manual traders put together a "profitable puzzle".

Automatic Trading
Automatic trading is one of those new things that has everyone going crazy because it uses technical analysis, and even built in psychology to help simulate what an expert trader would do, even better it trades your money for you automatically, so you can sit back and watch the cash pile up.

It's crazy, and it sounds too good to be true, so you would really have to see it in action to actually see how it works and to see how believable it really is.

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Importance Of Data Mining In Today’s Business World

What is Data Mining? Well, it can be defined as the process of getting hidden information from the piles of databases for analysis purposes. Data Mining is also known as Knowledge Discovery in Databases (KDD). It is nothing but extraction of data from large databases for some specialized work.

Data Mining is largely used in several applications such as understanding consumer research marketing, product analysis, demand and supply analysis, e-commerce, investment trend in stocks & real estates, telecommunications and so on. Data Mining is based on mathematical algorithm and analytical skills to drive the desired results from the huge database collection.

Data Mining has great importance in today’s highly competitive business environment. A new concept of Business Intelligence data mining has evolved now, which is widely used by leading corporate houses to stay ahead of their competitors. Business Intelligence (BI) can help in providing latest information and used for competition analysis, market research, economical trends, consume behavior, industry research, geographical information analysis and so on. Business Intelligence Data Mining helps in decision-making.

Data Mining applications are widely used in direct marketing, health industry, e-commerce, customer relationship management (CRM), FMCG industry, telecommunication industry and financial sector. Data mining is available in various forms like text mining, web mining, audio & video data mining, pictorial data mining, relational databases, and social networks data mining.

Data mining, however, is a crucial process and requires lots of time and patience in collecting desired data due to complexity and of the databases. This could also be possible that you need to look for help from outsourcing companies. These outsourcing companies are specialized in extracting or mining the data, filtering it and then keeping them in order for analysis. Data Mining has been used in different context but is being commonly used for business and organizational needs for analytical purposes

Usually data mining requires lots of manual job such as collecting information, assessing data, using internet to look for more details etc. The second option is to make software that will scan the internet to find relevant details and information. Software option could be the best for data mining as this will save tremendous amount of time and labor. Some of the popular data mining software programs available are Connexor Machines, Free Text Software Technologies, Megaputer Text Analyst, SAS Text Miner, LexiQuest, WordStat, Lextek Profiling Engine.

However, this could be possible that you won’t get appropriate software which will be suitable for your work or finding the suitable programmer would also be difficult or they may charge hefty amount for their services. Even if you are using the best software, you will still need human help in completion of projects. In that case, outsourcing data mining job will be advisable.

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A Proper Family Budget Meets All Financial Needs

To say that every family should have a monthly budget is an understatement. The only way to control your family's finances is with a budget that keeps track of where the money comes from and where it is absolutely spent. A budget, or cash flow plan for those who do not like the B word, is a critical part of any family's secure financial future.

For most families a budget is far down the list of things that are important in the day to day happenings for most families. For most people doing a budget is another task for which they have little time to deal with. Unfortunately this is the reason so many families are having the financial problems that they are dealing with today. A budget can also be a divisive thing if it is used as a way to control the spending habits and place blamed for the financial failures being experienced. For a family budget to work properly it must be used as a tool by all family members that involves financial goals and compromise to reach them.

A budget is actually not that hard to create and keep simply because it is just a list of monthly income and expenses that is either either on a sheet of paper or on a computer equipped with budgeting software. The idea behind any budgeting process is to create a balance between income and expenses so that at the end of the month there is money left over to save, invest, and build wealth.

There is no concrete method for building a family budget because each family's financial needs are different. Some families may be saving for a new car or family vacation, while others are more intent on building savings and college funds. Most families start their budgeting process simply by writing everything down on a piece of paper but as their financial needs grow more complex they may find they need the services of a financial or investment planner.

Another thing to think about and discuss is what are your family's long term financial goals and how do these fit into and affect the monthly budget. It is important to consider not only the goals of individual family members but also the collective goals of the entire family as well. These can include such things as putting away money for a new home, saving for children's college fund, building that retirement nest egg, and probably the most important thing for any family building an emergency savings fund to protect against unforeseen financial emergencies.

The hardest part of finalizing the family budget is making sure you have all the monthly expenses written down. Missing even one or two can seriously affect your budget because at the end of the month you will have less money then originally budgeted for. Be sure to think of those surprise expenses which is particularly important if you have children. It always seems that some unforeseen expense pops up around one of the kid's school activities, or they need new glasses or braces, or something along those lines. Of course if you have an emergency fund in place you can use money from this for such things.

Setting up a proper family budget will not only help you meet your financial goals but will also save money over the long run. Not having money worries will make family life better for all concerned; it just takes a little time and patience.

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Forex Robots – The Sales Copy Says Huge Profits But the Truth? Most Destroy Equity Quickly

Every forex robot promotes a track record of gains and yet well over 95% failure to deliver so here is the sales copy translated so you can find out the ones that will not make money and find the minority which do …

Here is the sales copy and translation

1. A track record of spectral gains

On paper yes, in real trading not at all. Try and find a track record which does not have the worlds "simulated" and in "hindsight" on it in the risk warning – a word from experience, you will have a long search. The track records you see of $ 100,000 a year are not real dollars there paper dollars done looking back with all the facts and price data to hand. The reality of trading forex though is you do not have that luxury of knowing the closing prices.

That's why you can get financial freedom for $ 100.00 or so – its not real life though!

2. A formula that occurs and re occurs for consistent gains

The formula works once on paper and never works again and the system takes a bath. The vendor simply bends the system to fit the data (a concept known as curve fitting) and curve fitting is always the death of a trading system in real time trading, as the data never replicates itself exactly again the system fails.

3. Designed By a Boffin

Usually an ex banker, mathematician or other boffin. Why does that ensure success? Trading systems that tend to work tend to be simple and being clever or having an education mean nothing in forex trading – its results and that's it and I know plenty of simple traders who make money and plenty of clever ones that do not.

4. Earn Money Without knowing anything

You can try and earn money but if the systems worked as the vendors say, ie there is no work involved, begs the question – Why bother selling the system, why not trade it and keep quite you could make yourself a millionaire or better and not worry about a few hundred bucks from a sale.

You do not get anything in life for nothing and it's the same in forex trading

5. You have nothing to lose

On the fee maybe not, on the account probably yes!

Demo accounts (unless you want to trade them for a long time) are no real use, as you need a year to judge a system and also there is no pressure, so its not a real trading experience and after reading this article why bother, you know the facts.

Forex robots sell in there thousands and very few work and most simply fail miserably in the market and its no wonder when they have never been traded. The hypothetical track record simply is not questioned by buyers – but why not? That's the acid test and keep in mind you cant spend paper money.

If you want to make money at forex trading understand, it's not easy and you do not achieve success with no effort.

You can make gains but you need to get a solid forex education, a simple system, that's robust, logical and you understand and can trade with discipline. You are then on the road to currency trading success.

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Different Methods of Mining Coal

Different methods of coal mining are adapted to dig out the natural coal from the earth. Among them, Surface mining method is applied for producing coal of about nearly 40% in the world. The coal deposits are found on the surface of the earth and make the mining easier for the coal-miners. The various types of coal mining are contour, mountaintop removal and strip mining.

Strip mining is adopted in areas, which has leveled landscape. The surface coal is exposed when the earth covering them is removed in strips. When the whole earth concealing is removed from the surface the coal that lay beneath is exposed. They appear in blocks and are usually extracted either by drilling or blasting. Once the strip is free of coal or goes empty, the strip mining process is continued with the next strip that lay adjacent to the former.

The contour mining is used to remove coal from the layer following the contours found along the ridges of a hill or landscape. The commonly used places for this type of mining are areas with rolling to steep terrain. This method may create landslides and erosion troubles. Using the freshly cut overburden to refill the mined areas rectifies these problems. Strip mining has its own limitations and when the process of strip mining reaches a specific stripping ratio, it may not yield you profit when continued.

Mountaintop removal coal mining can be understood by its name. Removing the mountaintops exposes the coal. This method also involves disposing of mining overburden that is associated with mountaintops removal in nearby valleys. This method is a combination of area and contour strip mining methods. This process creates adverse changes in the topography like creating head of hollow hills and filling valleys with mining wastes.

Latest open cast methods can reveal higher proportion of coal deposit than the underground mining methods.

Deep mining or underground mining is applied to dug out coal that lay underneath the surface of the earth. The primary underground mining ways are Continuous, Longwall, Shortwall, Retreat and Blast Mining.

Longwall mining method is adopted for about 50% of underground mining. This method involves a complex machine with a revolving drum that sways mechanically back and forth across the coal deposit. This method yields high production and ensures safety. This method has sensors that can detect the quantity of remaining coal in the seam and robotic controls contribute to the efficiency of the process.

Continuous mining method is applied for about 45% in underground coal mining. The machine used in this method has a huge revolving steel drum that is facilitated with tungsten carbide teeth to extract the coal from the seam.

Blast mining occupies less than 5% of the whole underground mining in USA. Explosives are used to break the coal seam in this method. The extracted coal is collected and transported to the central area using conveyors or shuttle cars.

Shortwall mining covers 1% and the method is somewhat similar to longwall mining. Retreat mining method employs pillar or coal ribs to support the roof of the mine. This is the most dangerous method as it involves risk of falling roofs that might trap or crush the workers in the mine.

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The Fundamentals of IOS and Android Application Testing

Today the reach of customers have broadened from PC’s to mobiles and in lieu of this it makes mobile application testing very essential. iOS and Android apps have paved way for the mobile genre. They have tremendous applications that attract a customer but at the same time while users enjoy the apps, how easy is it to test the iOS and Android apps?

It becomes very challenging for the testers to test iOS and Android apps as the users lay down unique expectations and they have to test in accordance. Challenges in mobile app testing could range from Device Variation to Tools availability to Network Bypass etc. Many third-party applications compatible with advanced mobile phone versions are also unveiled. All these underlined by concern for performance and user acceptance demand foolproof and comprehensive mobile application testing. A thorough understanding of applications put for testing is a perquisite. Check whether it is developed in-house or by third party.

iOS app testing

iOS are operating systems used majorly in mobile technology, such as smart-phones and tablets. They have smooth designs and seem to be very user friendly. iOS app market is a hit in the technology market and is often in the news for good. All the iOS app testers are aware that testing an iOS app is different than testing any other app because it is a closed operating system. iOS testing also intervenes with development which makes it all the more challenging to perform testing. But certainly there are measures that can make iOS testing easier:

  • Consider Fragmentation
  • Be strict for Privacy
  • Opt for Beta-testing

Tools that are best for iOS app testing can be listed as below:

  • Frank
  • iOS UI Automation
  • iOS Driver
  • KIF or Keep It Functional
  • Appium
  • Calabash
  • Monkey Talk

Android app testing

Android application testing is too complicated due to the diversity in devices which is a major challenge of mobile app testing. Here, unlike iOS, the differences in variety of screen sizes, capabilities and limitations are precise because each device is unique to the other. The testers are familiar with the fact that compatibility is a huge constraint because mobile apps can be set up across several devices. One of the easiest ways to make Android app testing light on the brain is to avoid complex structures and segment them into smaller steps.

Try the below tools to enhance your Android app testing

  • Robotium
  • Monkey Talk
  • Selendroid
  • Appium
  • Calabash
  • The UI Automator
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