Ways to Make Your Money Make Money  

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The saying ‘make your money work for you’ has almost become a cliche in the world of finance and one that is often overused. In spite of this, the fact remains the same, having money gives you far more opportunities to make money than if you don’t. The question is how, how can your savings make you money, and how much risk do you want to take with your savings in order to go after that extra cash. If you have a healthy savings account then here are some ways that you can use it to grow your wealth.

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 Use an Investment Group

 One of the best ways that I have found to grow my wealth is to use an investment group, these businesses rely on investors like you and me and offer heathy returns through a series of buyouts and large scale investments. I started using Alta Growth Capital, a Mexican based firm who have helped me to make a healthy return on my money. My investment manager is a guy called Javier Garcia Teruel Avila, he has a rich history in private equity investing and consultancy and has an MBA from Harvard Business School, his rich resume in the finance and energy sectors throughout the Americas plus the smart decisions that he has made with my cash has given me reason to trust both him and the company and invest more money with them.

Real Estate

 Everyone will tell you that real estate is where the money is, whilst this can very often be true, there is no cast iron guarantee that buying and selling property will yield you riches. As with anything, getting into the real estate game comes with risk, it is vital therefore, that you know the market inside out. Few people can predict which way the market is going to go so it is important that you start off small, buying houses at auctions, giving them some TLC and selling them on can be a great way to start. Patience is required in real estate, sometimes you could be sitting on a property for a long period of time before finding someone to buy or rent. If you aren’t in a rush for the money and you are prepared to heavily invest your time in research then real estate could be the way to go.

 High Interest Bank Accounts

 Anybody with a healthy amount of savings should start by looking at what interest rate their bank can offer them, the average in the U.S. is just 0.02%, an incredibly low figure when you consider that there are opportunities to get a flat 1% on your money. Putting your money into an account such as this will not make you rich, but it will earn you a great deal more than you are currently making with your 0.02% interest rate. Shop around on the market and speaks to banks directly about how much savings you have, they can then offer you the best rate available, find out which is the highest and put your money to work.

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The Keys to a Successful Business or Enterprise  

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It is a well known fact that over half of new businesses will fail in their first 5 years, there is a plethora of reasons as to how this can happen ranging from poor financial management to changes in the market. There are a certain number of Golden Rules when it comes to business and the fact is that far too many businesses ignore them causing their untimely demise. Those who understand business like George Bardwil, always stick to they key principles of business and that is why they become successful. If you are just starting your own business then here are the keys to your success.

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 Have a Great Product

 Whichever industry or sector you are planning on entering into is irrelevant when it comes to the quality of your product. Before you even consider launching your business you must ensure that your product is the best that it can be. Continuously analyze and re-invent your product before taking it to the market, test it sufficiently and only when you are completely happy should you open up for business.

 Be Financially Minded

 As simple as it sounds, finances are everything and you should constantly have a watchful eye over what is going in and out of your business. If you are not naturally financially minded then either hire a professional or seek to learn more, ignorance of your company’s balance sheet will cause you many problems. Understanding the company’s finances also allows you to seek ways to cut costs, vital in any business, especially if it’s new.

 Communicate Perfectly

 Communication plays a huge role in the success of businesses, clear communication to your employees about the vision of the company and clear messages to your customers so that they fully understand what your business is about.

 Seek Growth

 Businesses should always have a plan for growth, it can be a 5,10 or even 15 year plan but there should be a plan in place. When you are beginning a new enterprise, it can be tricky to be realistic with your future planning, the key is information, look at how similar companies have progressed, read information about your sector and where it is heading. It isn’t easy to balance optimism and realism when planning but there is nothing wrong with having difficult to reach goals, these will keep you motivated and hungry.

 Reward Loyalty

One of the keys to successful business is loyalty, both being loyal and gaining loyalty, being loyal is within your gift, being dependable and flexible with your customers will show your loyalty, but what about gaining it? Well gaining loyalty comes as a direct result of you giving it and rewarding it, loyalty works like a circle, give your customers great service, a great product and consistently high standards and they won’t have a choice but to come back for more. Always remember those that have been loyal to you as they are the ones who will continue to be loyal in the future.

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Choosing What Charity To Donate Money To

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Believe it or not, this is a subject that should never be taken lightly. Not all the charity foundations you are going to find online can be trusted. Some of them simply do not care about anything else except the money that can be made from people that do trust the services offered. It is really important that you are careful and that you choose the charities with patience. According to Charles Phillips’s wife, you need to keep both objectivity and subjectivity in mind when you make the final choice.

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Determining What Is Important For You

This is definitely the very first step that you have to take. You need to realize what charities matter the most for you. As an example, there are many foundations out there that help homeless people. Is that a topic of interest for you? If not, maybe you want to donate to charities that help talented students that do not have money to afford the top universities.

Take as much time as you need in order to properly determine your personal wishes. See what charities are important and focus on them.

Making A List Of Charities

Simply because you find a cause that you resonate with does not actually mean that you have to instantly donate. There may be another option available that is a lot better for you. What is important is to take an approach that is similar to the one you take when you choose a doctor. You wouldn’t let the first doctor operate on you without knowing anything about his past work. That is what you have to do with the charitable foundations.

See what projects the charities funded in the past. Were they successful? Did they help the people that you would like to help? Do they operate in the areas that you want to support? This is the type of information that you want to look for. The great news is that it is not at all difficult to find all the information you need on the internet. Just Google data.

Meet With Representatives Of The Companies

The one fact that you will not really do but that is very important is to meet with a representative of the company behind the charity. You are interested in this because you surely have some questions you have to ask. At the same time, you need to see how the people there are. There are always some individuals that are going to represent the entire charity but it is the entire team that does the work.

Patience

Donating money to charity can help a lot of people and can even find cures for diseases. However, if you hurry and you donate to the first charity you find online, you may make a huge mistake. It is really important that you take the time that you need in order to be 100% sure that you are going to find a charity that you can trust. Establishing a long-term relationship is really important.

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How To Buy A Good Rugby Kit For A Child

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Rugby is quite a popular sport around the world. It may not be so popular in the US but it is still one of those that are attractive for children. If your child is interested in rugby, you will need to buy the right equipment. That is definitely not something that is easy. You will have to choose the kit based on the specifications of the rugby schools and then think about other facts of huge interest. What you will always have to think about according to the observations of Brendan Triplett includes the following topics.

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Protection Offered

Rugby is one of those sports that are hands-on. This means that it has the potential of being dangerous. It is something that is true for practically all ages. It is really important that the considered rugby kit has the best possible protection, including gum and knee guards. Protecting teeth for the unexpected mouth blows will help out a lot. The guard is mandatory on the field and it should also be during training.

Choosing Color

The color of the rugby kit is highly dependent on the colors of the team. You need to know team color so that you can save time. Buying something that is improper or with a design that is not liked by the child is never a great idea. Coaches can easily tell you what colors are acceptable so just ask them.

Comfort And Durability

You have to be sure that the rugby kit includes equipment that will be comfortable for the child. Movement easiness is very important in this sport. Tackling an opponent or running while holding the ball seems simple but it is the equipment that allows this simplicity to happen.

When referring to durability, what we really want to say is that the equipment has to be really durable. As the rugby player is on the field, he/she is going to be dragged, pulled and pushed. Rugby is definitely not a sport that is gentle. The kit chosen has to reflect this. Replacing rugby kits every single month due to tears is something that has to be avoided as much as possible. Always look for a fabric that is really strong and a kit that is truly long lasting.

Name Display

This is one of the factors that few people actually take into account. Think about how the name will appear on the jersey. It is a certainty that you want the name and the team to be easily identifiable. Contrasting colors are almost always recommended and you want to be sure that the name will be easy to be seen from a high distance. Obviously, the best contrast is offered by black and white but the colors of the team have to be considered.

On the whole, these factors are the ones that you need to remember at all times. It is not that hard to find rugby kits these days but you do want to be sure that they are going to be the proper ones.

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Things to know about Hamilton College

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With the Class of 2020 heading to campuses around the country now, many would-be students are planning for their future. Hamilton College in Clinton, New York is ranked 14th among “National Liberal Arts Colleges” in the 2016 U.S. News & World Report Best Colleges rankings. This popular college admits only 25% of its applicants, accepting about 1900 new students each year.

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Originally a boy’s academy that started in 1793, the school became Hamilton College in 1812 after it expanded to a four-year college curriculum, making it the third oldest college in New York after Columbia and Union.

Hamilton currently offers the bachelor of arts degree in over 50 areas of concentration including mathematics and psychology and political science. Typically the college enrolls about 1,900 students accepting about 25% of the total applicants. Student Alexander Potoczak did his Bachelor of Arts in Economics.

The college is unique in that it allows students to set their own study path. All students that attend Hamilton College are promised that they can explore what interests them, be accepted for who they are and what they believe and become the person they are meant to become.

At Hamilton, students take the courses that most interest them rather than waste time and effort on ‘required’ courses. Working with a faculty advisor ensures the path is responsible and informed.

Developing a good idea is only half the equation. Speaking persuasively and writing clearly are core tenants to an education at Hamilton College.

Hamilton encourages an active and hands-on atmosphere, and we expect students to participate. Whether it’s in the classroom, on the playing field or court, a student-organized event — students get involved.

Historical and state-of-the-art, Hamilton was founded in 1812, more than 200 years ago, and in the past decade, it has invested more than $200 million to renovate and expand its facilities.

Students enjoy the picturesque hilltop campus which is gorgeous with many outdoor activities to keep minds clear and active. From hiking and skiing in the Adirondacks to dining at local restaurants, there’s even movies, shopping and much more.

More than 60% of students at Hamilton College participate in off-campus study programs internationally in France, Spain, China, and India while others stay a little closer to home, experiencing school life in Washington DC and New York City. If that doesn’t suit you, there are hundreds of other approved programs available for around the globe.

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Lifestyle Tweaks To Help You Lose Weight

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Losing weight is really important for many individuals from around the world. Unfortunately, most focus on what they eat and working out. While it is true that some products like Le-Vel reviews are interesting and can help you to have a more active life, the truth is that it is your lifestyle that needs to change first. Lifestyle changes are highly important if you want to gain a sustained weight loss as opposed to simply losing some weight and then put it back on.

Limit Eating Out

If you are currently used to eating out many times per week at restaurants or fast food joints, stop. It is all you need to do in order to drastically improve your weight loss efforts. If this is something that you really enjoy, you can always go for just one outing per week. It is more than enough. Also, instead of ordering the really large portions, go for something healthier and smaller.

Shop Intelligently

When you change your shopping habits you will be able to avoid that unwanted situation in which you feel a craving and you actually have it inside the home. Our routine is what destroys our weight loss efforts the most. When you go to the supermarket make it a habit to avoid the sugary and salty regions. Simply avoid them. Do not buy candy and do not invest money in that. It will be a little difficult on the long run but after some time you will get used to it.

Prepare Your Breakfast Ahead Of Time

One of the biggest problems with losing weight is that people do not really eat a good breakfast. You should never skip your breakfast as it really is the most important meal of the day. We recommend that you prepare the breakfast ahead of time. Simply mix protein with some whole grains for a total of around 300 calories. You can even make it a meal to take on the go if you have to go to work. Sandwiches can also be prepared ahead of time. It is basically impossible to lose weight on the long run if you do not eat a good breakfast every single tip. This is a very easy weight loss tip that will help you so much more than what you think at the moment.

Start Working Out Even If Just For A Few Minutes

Watching TV is something that so many do these days. Why not make this a part of your weight loss process? During the commercials all that you have to do is exercise a little. Jumping jacks and crunches can be done in that short time frame. It is even possible to start dancing while the dishes are done. The calories that you will burn will eventually add up and more importantly, you can keep your mind away from junk food. Since we talk about exercising, do your best to quit smoking! Believe it or not but this will make you healthier and will increase your desire to work out!

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Give Your Company a Boost With These Business Development Strategies

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In the process of starting a business? If so, you’ll need a game plan to get your business off the ground. In this article, we have put together several strategies that will help you attract your first customers, and then keep them happy.

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1) Be true to your word

In today’s business climate, there are few things that are more valued than a company that is authentic in its dealings. When you say that you will get something done for a client or a customer, do everything humanly possible to stay true to your word.

This reliability and consistency won’t just help your company; it has also helped established companies such as Steve Sorensen Select Staffing. Building a reputation as a business that could be counted on to get the job done right, they have built a dedicated client base over the years.

By adhering the same discipline to your business dealings, it is likely that you will experience the same degree of success.

2) Embrace the power and responsibility of social media

We’re well into the 21st century, and the internet has infiltrated every aspect of our daily lives. There’s no excuse to be ignorant of the importance of social media any longer. Even if you have a non-existent presence on social media, there are customers on review sites such as Yelp that are building up (or tearing down) your reputation.

By taking the lead on platforms such as Facebook and Twitter, and monitoring social review sites, not only can you tackle problems head-on, but you can also pick up on trends that will allow you to shape the future strategy of your business.

3) Get involved in philanthropy

Seen as a way to give back to the community, not many business people realize that charitable giving and community involvement can also be a business development strategy.

While it might be crass to suggest that getting involved in an altruistic arena can be a way to boost profits, companies that are genuine about contributing towards the greater good are more likely to be seen in a positive light by members of the public.

This goodwill will become a factor when customers make a choice between your business and one of your competitors, so don’t be afraid to roll up your do-gooder sleeves!

4) Follow up with your clients (like you mean it)

When it comes to client acquisition, it is shocking how passive many small business operators are when it comes to following up. It is especially important in today’s world, where distractions of all kinds abound.

Just because a potential client did not answer your email does not mean they aren’t interested in doing business with you. It may simply be a function of an overloaded email inbox, or the fact that they are swamped with business from other clients.

While it’s important not to smother them, continue to make an effort to make or renew contact every four to six weeks. While this number may vary depending on your industry, it is a great place to start.

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Superbug on the run: steps hospitals have taken to kill MRSA

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Medical professionals of all kinds have done their part to help kill MRSA
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There are superbugs, and then there is MRSA. This is regarded as one of the most lethal out there and several years ago, there was something of an epidemic.

This isn’t some sort of minor infection that one can pick up; it’s a form of bacteria that happens to be hugely resistant to most antibiotics out there. In other words, it’s highly difficult to treat and as such, very dangerous for all of those patients who are already at risk from their existing problems.

Fortunately, the problem has eased substantially over recent times. Immense research has been conducted on MRSA, with conclusions being drawn on what can prevent it from becoming a problem again. Hospitals now have extremely strict protocol and to highlight some of steps they take, we’ve listed some of the policies that the majority implement to prevent the deadly superbug from endangering the health of patients.

The hospital environment is subject to risk-based cleaning

This is perhaps one of the biggest changes in the way in which hospitals deal with hygiene.

Now, each and every level of the hospital is ordered in terms of risk. Suffice to say, those environments which come into frequent contact with patients are treated regularly, while those that aren’t have slightly more relaxed rules.

Not only this, the method of cleaning the hospital environment has intensified. Now, hospitals are more than happy to invest in the appropriate equipment and chemicals, with CaviWipes and other medical-specific disinfectant products often being turned to.

It means that the surroundings in which patients are within are not only cleaned more frequently, but disinfected more efficiently as well.

Employees are monitored for their own hygiene

It would be grossly unfair to suggest that hospital employees have never been concerned with their own hygiene.

However, nowadays they are put under much more scrutiny. Hospital policies dictate that they have to wash thoroughly before caring for a patient, or touching anything that can be contaminated.

Similarly to the previous issue we spoke about, there is also more pressure to wash using the correct chemicals. Now, antiseptic solution should be used at all times, while disposable gloves must also be used whenever employees are coming into contact with open wounds.

Changes made to patients who are affected

Of course, even with the most stringent policies in the world, it’s difficult to stop something as powerful as MRSA once and for all. In other words, there will always be the odd case – it would not be possible to stop it in its tracks indefinitely.

It means that there has also been a change in policies in relation to those patients who are suffering with the infection. Anyone who does fall into this group must be immediately isolated, in a bid to prevent anyone else becoming susceptible to it.

As well as this, the movement of patients between wards is strongly discouraged. Again, it’s all with the aim to isolate and kill MRSA and prevent it from spreading around the building and onto other patients.

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Is Stainless Steel Cookware Better Than Aluminum Cookware?

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Is stainless steel cookware better than aluminum?
Photo by CC user Soerfm on Wikimedia Commons

This may not seem like a difficult question to answer but it is important that some facts are understood in a proper way. The one thing that all stainless steel fabricators will tell you that normally stainless steel will not be great for cooking as it is a heat conductor. That practically means that a part of the skillet or the pan will end up being hotter. That can cause the appearance of uneven cooking. Stainless steel cookware is now available and can be considered but it is really important that you think about alternatives. There are special stainless steel options that can be considered. However, let us first discuss aluminum cookware.

Aluminum Cookware

The sets that you find on the market made out of aluminum are quite affordable and have a durability that is actually higher than that of stainless steel. You can find some that are made out of various different colors, including dark gray or bronze. The surface is non-stick and most cooks prefer the option since it is going to offer even cooking, which is vital for cooking great dishes.

Stainless Steel Cookware

In most cases we have 304 Steel (also referred to as T304 Steel) that is used in cookware. This is actually the softest grade that is offered at the moment. Differences do appear but the durability is still higher than what you may think at first glance. Also, flexibility is pretty good.

What many do not know is that 304 Steel is actually used in many products we now see in the regular kitchen. This includes knives and forks. The steel is also available in machine parts, automobiles and personal care instruments. Corrosion resistance is pretty high and the only situation in which this is a problem is when referring to the presence of a salt water environment.

The main stainless steel competitor that is gaining popularity at the moment is T409. The price is actually lower and in many cases people prefer it because of this. We are also faced with a much higher reliability and durability, all with a better possible finish. Unfortunately, surface corrosion is a problem. However, the appearance of the corrosion will only affect surface. Structure is not going to be affected.

Conclusions

Choosing between stainless steel and aluminum is something that is not at all easy to do when thinking about cookware. You want to consider both of the options and you need to always analyze the opportunities. You can easily go for either stainless steel or aluminum but you want to also think about the other available options. Choosing without knowing everything about the options is a bad idea. Everything basically depends on what is really important for you at the end of the day. Choose after reading reviews about the cookware and never forget about the fact that some of the manufacturers are much better than others. Options available will have to be given the proper research time. Only then can you be sure that your choice is the proper one for your home.

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Psychological tips to reduce your portion sizes

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By following tips to reduce your portion sizes, you can enjoy your favorite foods while staying healthy
Photo by CC user elsiehui on Flickr

There’s all sorts of varying advice being branded about in relation to weight loss, but one thing that all of the experts will agree on is that smaller portions sizes will result in you heading in the right direction.

It’s one of the simplest ways to lower the amount of calories that are entering your body yet for whatever reason, it’s a suggestion that’s often ignored.

If you are struggling to train your brain into accepting smaller portion sizes, it might be time to consider some shrewd psychological approaches that can fool your mind somewhat.

We’ve put together some of the best tips to reduce your portion sizes. Let’s take a look.

The 6 month approach in retraining your brain

Let’s start with one of the biggest steps you can take. There’s no doubt that weight loss surgery has come on a lot over the last few decades and one of the most risk-free ones comes in the form of the Orbera gastric balloon.

In relation to training your brain to approach food differently, this balloon will do exactly that. It shrinks your stomach until it is removed after six months, meaning that your food intake is immediately restricted.

The concept is that by the time the device is removed, you will have got used to your new portion sizes and will stick to your new diet.

Buy smaller plates

A solution which is perhaps a little simpler comes in the way of just buying smaller plates.

For most of us, a portion is the size of a plate. Therefore, if you can use plates that are smaller, your portion size theoretically reduces.

We’re far less likely to reach for a second plateful of food – psychologically it feels greedy.

Ditch politeness – you don’t have to clear your plate

On a similar note to above, from a young age we are taught to finish our meals. Again, usually a meal will come in the form of a plateful (when have you ever seen half of the plate empty upon serving?).

However, when obesity strikes, now is the time to ditch politeness. Don’t finish your serving just to be polite; if you are not hungry make sure you don’t overeat.

For years we have been taught the importance of leaving a clean plate after eating – when really it does nothing but harm for the obese section of the population.

Avoid the leftover temptation

It’s hard to cook correct proportions – everyone accepts this. It’s for this reason, as well as plain efficiency, that some people will make much more than they really need for an evening.

Initially, the idea is to eat the remains another day. In reality, second servings prove too tempting and the rest as they say, is history.

Before your cravings can get the better of you, try and put the remains in the fridge or freezer. That way, it should just be too much work to re-heat the food when you are willing for more.

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