How do you think about Time?

At the beginning of a new year you often hear people talk about how fast time flies, like an arrow. Of course the longer you live, the shorter an hour feels relative to the number of hours you have lived. But the feeling of time having flown past is also a reflection of missed opportunity, that perhaps you could have spent or invested your time better.

Last year in April, I had the privilege of attending the Wealth Dynamics Entrepreneur Business School (EBS) in Bali, Indonesia. The EBS training was hosted and mentored by Roger Hamilton. Over 320 participants from 20 countries gathered in the main ballroom of Le Meridien Bali.

Roger led an exercise on reframing how you think about Time, using the metaphor of hours as droplets of time, which can be collected and channeled in ways that lead to both accumulation and increased flow of wealth. This metaphor came from his book on the subject, Wink and Grow Rich (Wealth Dynamics), with an illustration of how to Invest Your Time: 24 Drops shown above.

I think that this is a far better way to think about time, than the image of time flying like an arrow.

Time Drops Create Wealth Flow

The implications of this metaphor are profound, and lead to practical steps for how to apply this in your life and business. We are all given the same number of hours in a day, be we do not all value those hours the same. The first step is to value your time as you value your life. They are closely interwoven. There are key words which will help you do this.

Collect your resources
Find containers to collect your output over time. This can be a blog, a diary, a book, a product, anything which takes a shape that remains over time for other people to recognize its value and potential. And that value will grow over time as the contents become increasingly relevant.

Connect with people
Find networks to connect with people over space. This can be a group or association, online or offline, any group that regularly communicates and trades through a system over the same channels, and one which grows stronger by association. That value too will grow over time as your contribution to the network becomes increasingly evident.

Collaborate on projects
Form partnerships to collaborate with others whose resources and networks complement and enhance your own. This can be a project, a product, a company, or even volunteer venture based on trust, similar values, and mutual merit, a bond which strengthens through action. The value of this too will increase through synergy, as the value of the partnership exceeds the value of the separate partners.

Celebrate by sharing
Make commitments to share the benefits with others who recognize your value and want to share in the process. This can be a social enterprise, donation of money or services, teaching process, or rally of support, one which gains momentum through inspiration and gratitude.

If you can value and use time in this way, you will never lack for ideas or support.

Are you ready to collectconnectcollaborate, and celebrate in 2009?

Do you have the motivation to act, but need help in finding containersnetworkspartnerships, and commitments in which to invest your time and effort?

If you want to learn more about how to do this, subscribe to this blog at the upper right hand column, for updates on how you can create wealth flow through resourcespeopleprojects, and sharing.

If you are starting to build your brand online, then you just cannot wing it. There are many steps that need to be taken to not only promote your brand, name, client, or service, you must PROTECT it. I’ve seen many clients upset about someone making use of their name in a bad light. Check out this video from Jody Jelas to find out some genuine steps to fix it.

18. December 2014 · Comments Off · Categories: Boutiques, Fashions, Shops · Tags: Boutiques, Sales, Shops

Suggestions for Buying Affordable Women’s Tops Online

This article is specific to women that are undecided if they should shop online or not and those that have no idea where to start. Finding attires online is one of the easiest processes. Despite the advantages of shopping online being that you do not have to struggle with crowds in convenient sores, the vastness of the online shopping platform makes it challenging to settle for the best to start from. Below are the ways that you can successfully shop for the best tops online.

Identify your reasons for shopping online before commencing on anything because every person has their personal drive to shop online. This decision is crucial in determining the specific type of attire you need to go for including pants, tops or if you need a pick me up item such as a scarf. When you know what pushes you to want to shop then you are closer to your goal.

Once you are sure of what you want you can then proceed to using the online search bar to find precise but not specific items. Make sure that you are not too specific with your search such that you type in the size and color of top you want. It is a better idea to search for the style and material of top you desire and let the site bring up available options for you select.

Women clothes’s shopping becomes easier when you understand the specific size to look out for. Take the initiative to take measurements for yourself and know what size best suits you. One of the most important tools when shopping online for women tops is to have a measuring tape with you since you cannot afford to order for a top that will not fit.

Planning is a crucial part of online shopping for women even if they do not have to be specific. Make sure you remain focused on the type of top you want now which could be a jacket or something else. In case you are not in a hurry, make sure you go through different sites browsing about different clothes that you did not realize you have a need for.

One secret that all women should hold dear when shopping for tops or other types of clothes online is to ensure that they will not hurry for the nearest clothes. Women tops are available online in different varieties meaning that you are spoilt for choice. It is only right therefore that shoppers should consider all the available options if they are to notice and select those that best suit them, which is done by exploring all the available avenues.
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18. December 2014 · Comments Off · Categories: Linens, Options, Tablecloths · Tags: Linens, Products, Tablecloths

A Brief History On Tablecloths

Tablecloths have been used for so many years, in fact, they started gaining popularity in the middle ages. There are now even procedures to prevent damage on these cloths as well as ways to make them more beautiful. You can use them every day and you can see them pretty much anywhere. Whenever you are having an event, it would be ideal to have these cloths to decorate your tables with. Deciding the right linen to choose for your table is easy because you will have tons of options. All types of cloths are used when making these objects and ensuring that they are of the best quality. Some even make use of traditional fabric but you really have all the options when it comes to the cloth of your choice. Many years ago, these objects were actually made by sewing pieces of cloths together. They have been used in many households throughout the years. There are so many designs available including those from different countries. You will definitely enjoy all the choices that you have. They can be used as decorations or they can serve a specific function. You will be able to used these cloths any time you want and anywhere you choose.

There have been many changes in the demands on consumers ever since the start of the century. Because of the changes in demands, table linens have also been developed to adapt to them. This has resulted in a lot of benefits to the users of these objects over the years. With so many people demanding for these products, their production has never been as fast as they are now. Materials and designs of these cloths have now been changed to suit the demands of the people. Over the years, these products have become timeless than ever before.

Custom made tablecloths will also be able to allow you pick any design you want for any occasion that you want. What more could you ask for, right? You will be able to decorate your home in the most amazing way possible if you make use of these options that are available to you at all times. You need to pick your cloths in the best way possible so that it matches your home in the most ideal way. You can look through the local stores or you can choose to avail of your options online. Of course, it is also important that you have a budget for your venture as well. You can choose the more affordable linens or opt for the more exquisite and elegant types of fabric for your home. If you make the best choices then you will be able to have the best linens to decorate your table with.
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18. December 2014 · Comments Off · Categories: Lenders, Options, Services · Tags: Businesses, Lenders, Loans

Numerous Factors to Think of when Applying for Commercial Loans

As a businessman, whether you are a sole trader or in a company, you know that there are times when the business cannot generate enough cash flow that is needed to meet the ongoing operating expenses. There will also be a need for cash when you will expand your business operations or purchase the much-needed business assets. When you currently experience some fluctuations in the cash flow of your business, the next step you might think of is to obtain a commercial loan.

Considered also as a business loan, a commercial loan can be set up for you so the proceeds can be used to fund large capital expenditures or operating expenses that your business could not be able to afford. However, there are a number of options that you need to consider before you can decide to obtain this type of business loan. Here are some of the things that you need to consider first.

You will have to choose the type of acceptable security that you want to provide for your loan like residential, commercial or industrial. You should also decide whether the securities taken by the lender or credit provider comprise Registered 1st or 2nd Mortgages. Another thing is to decide on the type of loan such as Interest Only or Interest plus Principal as well as the maximum loan size and the maximum percentage of the loan-to-value ratio (LVR).

If you choose a commercial loan to fund your large capital expenditures or operating expenses, here are some of the factors that you should consider. When you require a working capital for your business or a capital input is required when the business is at an important stage of development, you might have a short-term loan that can provide an effective solution. As it is considered a short-term loan, it will be taken out with a pre-determined exit date. Once you think about purchasing a commercial property that will be used to operate your business or to create a commercial property, you could have to have a long-term commercial loan.

These are considered as the main choices and things that you need to think about if you are planning to expand your business or you want to generate adequate cash flow that will meet the ongoing operating expenses of your business. You might have to talk to a financial broker if you are still confused regarding commercial loans or you want to seek an expert help. This financial specialist will recognize your business requirements and will recommend the best financial solution that you can have. Just bear in mind that you ought to be vigilant when picking a financial broker to work with. You have to find a qualified expert who is a specialist in the field. He/she must be someone who is aware of the credit policies and the standard requirements to benefit from commercial loans.
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18. December 2014 · Comments Off · Categories: Businesses, Lenders, Options · Tags: Loans, Options, Services

Strategies for Acquiring the Best Commercial Real Estate Loans

There are a couple of comprehensive forms when it comes to commercial real estate loans, for example, the long term loan and the short term loan. When it comes to long term loans, it is typically made use of when it comes to obtaining commercial assets considering the fact that it can be paid out for an extended period; but when alluding to short term loans, it is frequently attained for the functioning of businesses so as to assure that there will be no fiscal troubles while in the initial years of the business.

You can acquire these loans from a variety of places, for example, financial institutions, and lending organizations. There are also online loan companies if you wish to complete transactions on the world wide web; the positive aspects of performing your deals on the world wide web is that you can make the course of action speedier and a lot easier. But that does not signify that it is the very best place to obtain a loan, considering the fact that it is still vital to take into consideration your predicament prior to choosing what loan you will obtain and from where; below are some pointers that you can employ to obtain the very best loans for you.

In all probability, the most vital thing you need to do when obtaining a loan is to look for guidance from a specialist; obtaining a commercial real estate loan is complicated specifically if you don’t have ample comprehension about the course of action. It is advisable to have an advisor since he or she can guide you on the kind of loans offered and the benefits and drawbacks of each; an illustration of an advisor is a loan broker who can guide you on the finest commercial real estate loans that you can acquire.

It is not adequate to have a terrific specialist working for you, you must also do your part and conduct an intensive review on the kinds of commercial real estate loans made available and the advantages and disadvantages of each; there are quite a few sources of info that you can take a look at, for example, the world wide web, banks, and other monetary establishments. It is also a great idea to consult from buddies and relatives who have already made a commercial real estate loan their practical experience and some suggestions that they can offer you; personal study is essential since you cannot always believe in an advisor to be absolutely sincere with you.

It is also vital to appraise yourself prior to deciding on a commercial real estate loan. Some areas that you need to consider include your financial capabilities, the things that you need the loan for, your goals after you have acquire a loan and the risks you are willing to take; there is no specific best loan to get because it varies from each person depending on their need and their financial capabilities.
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17. December 2014 · Comments Off · Categories: Masks, Products, Vials · Tags: Masks, Supplies, Vials

The Growing Business of Online Medical Supplies

Before purchasing medical supplies always check and recheck them. The safety of the medical supplies is crucial as it is used to treat patients. These medical supplies come in different sizes and shapes. They may include beauty products, first aids, medicines and other wound care products. And the number of buyers continue to grow every day. Here are some of the reasons why it is better to buy medical supplies online as compared to your local pharmacy.

The good thing with online purchases is that you may be able to get rare medicines that you might not usually find on local shops. You can get the international products that you have been wanting for a long time. And it will just be sent at your doorstep in just a few days. The situation before where you can’t get the medicine that you want on a local store is not true today. You can easily purchase any medicine supply online.

You can save a lot when buying online as it is cheaper compared to the local stores. You can get these medical devices at a much cheaper rate in these virtual stores. You can check the prices of the products online and compare it with your local store. Also, if you purchase multiple times in an online store, you will have the bonuses and discounts given to you that you can avail in the near future. The thing you need to look after on these online shops that sell medical supplies is the authenticity of their business permit. They should be approved by the medical authorities.

Also the advantage in online purchases of medical supplies is that your identity won’t be revealed on the public. You don’t have to worry if people will know what kind of medicine you need. You can enjoy the anonymity via online purchases. Security and privacy on online stores that sell medical supplies is something that people look for.

The Internet has greatly contributed to the revolution of the medical field. You can just get any kind of medicine you want and wait for it to come at your doorstep. Gone are the times where you have to walk and drive to different pharmacies in search for the specific product that you need. Things are different now, you don’t have to wait for months just for your products to arrive. You can just get a computer and purchase the online medical supplies without even lifting a foot outside your doorstep.

Online medical supplies are now popular in a lot of countries worldwide. You can easily find the product of your choice at any time of the day. This is appealing especially to families who have patients living with them in their homes.
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17. December 2014 · Comments Off · Categories: Inspections, Inspectors, Services · Tags: Homes, Inspections, Services

The Merits of Certified Construction Inspectors

It is advisable to work with certified building inspectors for a number of advantages. One benefit that stands out is that you will gain from high levels of qualifications assuring high quality work. It is one of the simplest ways to avoid making mistakes that are due to either additions or subtraction of the certification requirement. The certification is an assurance that all necessary qualifications needed in the inspector are guaranteed.

It is easy for you to qualify and evaluate bidders for your project when all you have to start with is considering their certification. Chances are that you will have a large number of inspectors seeking to be given the chance to work with you on your building project. It is very difficult therefore to eliminate them and settle with the very best from whom you select the most suitable but with the certificate as a starting base you will be able to automatically drop those that are not certified. However, when you have to choose a structural inspector and only focus on the most relevant and specific needs for your project you have a better chance of attaining your desired goals.

The certificate serves as more than written specifications. It is always more reasonable if your claim for expertise is backed up by physical proof such as a certificate. When you go for a certified inspector you are assured of quality drawings and specifications because they will be based on attainment of quality.

Hiring a certified project inspector adds value to your project because the inspector is legally recognized. What is most likely to happen is that you will receive a fee wavering from relevant bodies since you already have a certified inspector. This translates to a cheaper project cost because the inspector will be able to conduct all necessary inspections as opposed to when you have to hire external inspectors who are pricy.

When a building inspectors are certified it is an indication of their seriousness and commitment to doing a good job. It is a show that the holder of the certificate is well qualified and knowledgeable as well as having the right capability and qualifications to take care of the entire project. There is no way an incompetent person will be certified and approved to operate as a building inspector.

In conclusion, there is only one way that quality construction work can be achieved and that is by getting certified inspectors to work with. According to the scrutiny, these individuals undergo from relevant certifying bodies only the best qualify. This is a surety that even small projects have high success rates when working with certified inspectors.
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16. December 2014 · Comments Off · Categories: Gloves, Options, Sales · Tags: Accessories, Products, Sales

Gloves are Always a Good Gift

This is the season for giving gifts. Gloves are the type of things that you can never have too many off. Continue reading for learn about the different of kind of gloves you can gift this year.


Fingerless gloves made from wool are “in” right, especially with the younger crowd. Because they don’t have finger sleeves, they don’t do much to keep you warm but people don’t want them for warmth; they want them because they’re cool. However, many fingerless gloves come with attachments so that they can be converted to all-over gloves. Slouchy tams make a great combo.

Gardening Gloves

Gardening gloves are a great idea of the person who has always dreamed about growing a garden. Having the right gear can often be a big motivator. A gardening hat and a pair of shears is a good gift set idea.


People who have to work outside during the cold months appreciate gloves more than anybody. No one wants cold, wet hands but for people who work for hours outside, it’s not just about comfort; their health is at stake. If the gloves don’t offer enough protection, a person could get frostbite. With work gloves, it’s not about style; it’s about keeping hands warm and flexible. Deerskin gloves are some of the best gloves for working in extremely cold weather.

Gloves for Riding Motorcycles

Motorcycle gloves are a great gift for the motorcycle enthusiast in your life. Motorcycle riders need as much protection as they can get. And at least you can know that you are contributing a little bit to the safety of the biker in your life. The most important thing about motorcycle gloves is that they need to be tough. You want them to hold up if your recipient should have a spill. You can complement the gloves by buying a new helmet or goggles.


Everywhere you go you see people looking at screens. Most of the gadgets people use have touchscreens. Before, you could use a touchscreen if you were wearing gloves but that is not the case anymore. Now gloves have special sensors that allow them to work with touchscreens. People with gadget addictions are sure to be happy about this. They no longer have to expose their fingers to the blistering cold just to update their status.

Just a pair of general gloves are a gift that will make somebody happy. Gloves are like socks, they eventually will get lost. Besides, having different colors and styles to match different coats is nice too.
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16. December 2014 · Comments Off · Categories: Funds, Investing, Options · Tags: Investing, Investments, Options

What Really is Investment Diversification?

In the business of investing and purchasing stocks, diversification is a rather common term. It is a very effective and proven means of protecting your investment from all sorts of risk. In theory, you’re going to diversify the stock portfolio and that corresponds to holding several asset classes to spread the expected risk. Using this diversified investments, losing significantly in one investment or class will not lead to destroying your entire portfolio. But the greatest thing about it is that when you suffer a loss, you still have some capital to carry out new investments.

Business experts and analysts use correlation in order to guide them in making decisions about diversification. The purpose of correlation is to be able to determine how close two assets are in following each other while they bounce up and down on the charts.

In order to diversify, there’s that requirement of following a method of asset allocation. Of course, you will have to populate your portfolio with different asset classes and different correlation degrees. Please refer to the information we’ve provided below.

The Stocks

While stocks are generally considered as a separate or standalone asset class, the market out there actually offers several classes. The most popular are large and small cap as well as foreign stocks. The variation is important because it allows you to fully diversify within the stock market. You can also diversify by industry.

For Bonds

On the other hand, fixed income instruments like bonds come with some sort of inverse correlation to stocks. What this suggests is that when stocks fall in price, investors are expected to opt for their own security by buying government-backed treasury bonds. As soon as the demand for bonds becomes greater, their prices also move higher. But then again, the rising interest rates are likely to hurt both stocks and bonds at the same time. Returns on bonds on the other hand often increase as soon as stock prices sink.


Commodities are defined as raw materials usually sold in bulk. The thing with commodities is that they actually have a “zero” correlation to stocks. This implies that any risk that affects stocks doesn’t have any effect or bearing on the things happening in the commodities market.

Lastly, you get a better chance of succeeding in diversifying your investments through the purchase of shares of a mutual or exchange-traded fund. Those two are equipped with a rather large basket of various stocks or bonds.

Described as a proven risk management technique focusing on the use of a wide variety of investments within a portfolio, diversified investments are a concept revolving around minimizing risk in your investments. However, don’t forget to spend more time and effort in laying out a long term mix of bonds, stocks, and other investments with reference to your goals, time allotment, and risk tolerance.
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16. December 2014 · Comments Off · Categories: Funds, Investments, Options · Tags: Funds, Investing, Options

What You Should Know About Diversified Investments

In this modern world, you have to learn how to accept how risks are affecting every investment. You can’t simply make any investment and get rid of the risks that are involved in it. As a matter of fact, mutual funds and equity shares as well are not an exception to this subject. There are lots of situations wherein investors who’ve become millionaires live up to their dreams while some employees of companies are regularly making additional money from the market.

Perhaps you might not believe it but you can still be a part of this market; the only question that you have to address is how you’re going to manage the risks which are going to help you learn how much returns you could make from the investment.

Creating a small size portfolio is a great way to start with this matter. Beginners are still in the learning process of the market so this would be very applicable to them. Gaining knowledge and info on the crucial situations that might affect the cost is vitally important for each and every single series of stocks that you are investing on.

The good thing is, the internet has provided us with all the related information to this. Aside from that, if you would like to know which one is ideal to have an investment, it is equally important as well if you would account the company’s performance on quarterly basis. This is because of the reason that the quarter results may cause a significant impact on the price as it could either go up or go down.

Equity shares can be sold at the best opportune time so don’t think that it is intended to be treasured for life. The stock market where you have invested your money might be limited for a day or even weeks. Generally speaking, for the intraday trading, the equity shares of the small and new businesses are typically preferred.

Investors normally opt for the blue chip companies with regards to long term investments of equity shares. In comparison to the short term trading, there is no doubt that there is less risks involved in this situations. You may buy and even sell equity shares that concern the 3 different types of trading. Most especially, you will have to devote your time for the short time trading because it is proven to be riskier compared to others. Always remember that for you to make progress, it will be essentially important to balance your investments as the stock market is very volatile.

To be able to deal with the risks of investments, investors are taking advantage of diversified investments. With this, even a loss has taken place at a certain venture, profits to other ventures would still help it to maintain balance.
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15. December 2014 · Comments Off · Categories: Businesses, Companies, Marketing · Tags: Businesses, Companies, Experts

Hiring the Best SEO Experts

If you have a website for your company that it would be essential for you to hire the services of the best SEO company to help you build you site in the best way possible. With the help of these innovative and reliable professionals, you will be able to successfully direct traffic to your site and make sure that you company will become a future success. You can’t just hire any professional to work on your site since you have to make sure that they are reliable and experienced before you do so. This article will give you all the information you need when it comes to hiring ideal professionals to build your site for you. You are guaranteed to gain an unlimited amount of success once you hire these professionals who can help your business grow.

Hiring the best SEO expert won’t be easy because you need to do a lot of research before you arrive at prospective professionals you can possibly hire for your company. As soon as you have a list of companies then you will need to consider a couple of other things, such as, experience and reputation as well. Skills and expertise are also an essential aspect which you should always look for the ideal company to help you structure your business website. There are some companies that may be more reliable than others and it is up to you to choose which one is more suitable to you. Companies that are more reputable than most will usually employ experts that have more knowledge and experience.

Most companies these days make use of the internet and social media to market their products and services and because of that they will need to employ these methods to draw in more customers in the future. When you hire companies with the right experience, they will be able to deal with any situation in the most appropriate that will ensure no time or money is wasted during the job. You need to choose professionals who you can get along with and are willing to explain to you everything that is required for your site to be the best that it can possibly be. They will be able to inform you of all the necessary details required for your website to draw in a considerable amount of customers. They have skills that will ensure everything will be done according to plan and that there will be no trouble in the future. So make the right decision for your company and hire the best professionals to do the job for you. Develop your company in the best way by seeking consultation and advice from these skilled professionals who will be able to increase your chances of success in the future. All it takes is the proper research accompanied with clever decisions which will be able to help you hire expert professionals who can make your company a success.
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