5 Areas Where Interest Rates Matter!

Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.

1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!

2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?

3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?

4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?

5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?

Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands of leaders, financial consulting, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for 15+ years. Rich has written three books and thousands of articles.

Different Types Of Hydraulic Cylinders & Their Applications

By your industrial requirements, many different kinds of hydraulic cylinders may be used in your intended application. Single and double action weld rod cylinders, single and double-acting telescopic cylinders and custom cylinders are some of the most popular kinds manufactured by hydraulic cylinders manufacturers and used in the business.

The following are some examples of their most popular types:

Cylinders with a single action

These hydraulic cylinders function as a result of the fact that their head-end port operates in a specific direction. When the fluid is forced into the cylinder barrel, the piston rod is forced farther into the barrel. It is necessary to provide an external force to make the return operation feasible. When energy is applied, the fluid tends to migrate from the barrel to the storage reservoir.

Cylinders with two acting pistons

For double-action hydraulic cylinders, both the head and rod ends to serve as ports for pumping fluids, making them very versatile. These ports are renowned for their ability to control fluid flow while also allowing for momentum transfer in both directions.

In further detail, when hydraulic fluid is delivered to the rod end, it causes the piston to return to its original position. When the liquid is pushed to the head end of the piston rod, on the other hand, it causes the piston rod to lengthen. In general, the optimum use for double-acting cylinders is lifting and lowering objects or machinery.

Cylinders with tie-rods

Tie-rod cylinders are used in most industrial and manufacturing applications today for your education and benefit. This is because such cylinders need little maintenance and continue to operate well for many years. Even if specific difficulties arise, they may be quickly resolved by specialists at a reasonable cost.

On the other hand, assembling such hydraulic cylinders is never time-consuming and can be completed rapidly and efficiently. Applications may use anywhere from four to twenty tie rods, the number of which is determined by the bore diameter and operating pressure of the application.

Cylinders made of welded rod

When we talk about the operation of welded rod cylinders, we’re referring to the fact that the end caps are enclosed by a welded barrel. Additionally, the head cap may use a variety of retention modalities, such as threading or bolting, to keep the lid in place; however, because of their small size, long internal bearing lengths, and high duty cycle, they are well suited for a wide range of mobile applications.

While various genera of hydraulic cylinders manufacturers are available on the market, they are often distinguished by the wall thickness of a tube or end caps, the mechanisms used for attaching end caps, the material used, the working pressure, and the temperature.

5 Benefits Of Fitting Your Private Car With an Air Purifier

As far as respiratory health issues are concerned, air pollution is among the fundamental causes. Since air can travel long distances, you cannot stay safe even if you travel in your own vehicle. As a matter of fact, you may be more affected if you are using public transport. So, what you need to do is install a good air purifier in your personal vehicle. In this article, we are going to discuss five major benefits of fitting your vehicle with an air purifier. Read on to find out more.

1. Removes Allergens

You may have allergic symptoms due to particulate matter, dust mites, and pollen. Similarly, if you travel with kids or senior family members, you may have to face difficult situations. Therefore, if you install a good air purifier, you can have peace of mind that you are traveling without putting yourself at the risk of allergens.

2. Gets rid of Unwanted Odour

Inside your personal or private vehicle, volatile organic compounds from your vehicle’s components may increase the level of pollution in the cabin of your car. Similarly, if you or someone in the car is a heavy smoker, it may also make the air quality inside your vehicle even worse.

If you turn on an air purifier, you will be able to remove cigarette smoke and all types of other pollutants from inside your vehicle. Therefore, it is great to have these units installed in your private car.

3. Removes Pet Dander

If you love pets and have a cat or dog in your house, you may need to protect yourself against pet gender. This is essential if you travel with your pet on a regular basis. The thing is that pet animals shed a lot of dead skin, hair, and fur. This can pollute your car cabin. By installing a good air purification unit, you can remove all of these particles on a daily basis.

4. Reduces the levels of Carbon Dioxide

When you breathe, you take in oxygen and exile carbon dioxide. Therefore, if you travel in your own car on a daily basis, your cabin will become full of carbon dioxide. You may suffer a lot of breathing issues if you don’t breathe fresh air for several hours.

So, if you install a good air purifier, you can create a balance between oxygen and carbon dioxide in your vehicle.

5. Expels Air Pollutants

There are different types of pollutants, and they can be in a variety of forms, such as gas, liquid, and solids. Although many of these particles are man-made, you may know that some of them are created by the nature as well. So, these pollutants may get into your vehicle if you open up the windows or doors. You may want to install a good air purifier to get rid of these pollutants from the cabin of your car.

Long story short, this was a description of the benefits of installing a good air purifier in your vehicle. So, if you want to get yourself a unit, we suggest that you do your homework and compare the advantages and disadvantages of each unit.

Dr. James Glutathione 1500mg Glutathione Skin Whitening Injections 5 Sessions / 10 Sessions

Today, Dr. James Glutathione Injections are quite popular among a lot of people who want to get rosy white skin. These injections are rich in glutathione, which is why they are quite effective. This FDA-approved product is made of 100 mg of Ascorbic Acid and 1500 mg of glutathione. So, you can enjoy promising results in a short period of time. Let’s discuss some of the benefits of these injections.

Benefits of using Dr. James Glutathione Skin Whitening Injections

Dr. James Glutathione Skin Whitening Injections may allow you to enjoy a wide range of health benefits as they help detoxify your body. Given below is a description of some of the benefits this product offers.

1. Helps white your Skin

These injections curb the generation of tyrosine kinase, which produces skin pigment that darkens your skin. The substance in the injections may bind to the active site of the enzyme or act as an antioxidant to fight free radicals.
Besides, glutathione can boost the depigmentation ability of cytotoxic agents. Therefore, the injections can help lighten your skin.

2. Offers Antiaging Effects

Over time, your body may produce a lot of free radicals that may damage your DNA and the integrity of your body cells. As a result, you may lose skin elasticity and get a lot of wrinkles. Besides, your skin can become dull and dry.

Your body needs antioxidants to deal with sun damage. And one of these antioxidants is known as glutathione. So, you can get Dr. James Glutathione Injections to supplement the antioxidants and boost the healing process of your body.

As a result, the overall texture of your skin gets better and you look younger for your age. Plus, it helps reverse the signs of aging, such as dullness and wrinkles.

3. Helps prevent Acne and Pimple

Skin problems, such as pimples and acne are caused by some lipid peroxide particles and reactive oxygen species. And they also cause oxidative stress. Also, Dr. James Glutathione Injections are full of glutathione that help improve skin texture and prevent a lot of skin issues, such as acne and pimple formation.

4. Helps with Detoxification

Glutathione is part of every cell of your body as it helps turn toxic substances into non-toxic species. Once your body has been detoxified, it becomes healthy and radiant once again.

5. Helps reduce blemishes

Long-term exposure to the UV rays of the sun may cause your skin to have dark spots and an uneven tone. When tyrosine kinase is inhibited or oxidants have been removed, your skin will become clear with no dark spots or blemishes.

6. Makes your skin glow

Glutathione inhibits the eumelanin products and boosts the pheomelanin synthesis. The latter gives your skin a lighter and reddish tone. So, your skin will become bright and radiant.

7. Boosts your Energy

Since glutathione fights off reactive oxygen species and fixes the mitochondria, it can improve your skin texture and complexion. Besides, it may help boost your energy. So, if you want to boost your energy, you can feel better after taking these shots.

Contents of the Box

5 or 10 sessions of the injections

Contents in Each Vial

Reduced L-Glutathione Nano Concentrated (1500 mg)

Content in Each Ampoule

Vitamin C (1000mg)

Alpha Lipoic Acid (300mg)

Nano Concentrated Collagen (200mg)

Epidermal Growth Factor (EGF) (100mg)

Method to Use These shots

Dr. James Glutathione Injections can be administered once or twice in 7 days based on the doctor’s advice. The Ampoule Liquid is put into a small container called a vial that contains sterile water (5ml). Afterward, the solution is given through a butterfly syringe or direct IV.

So, these are some of the benefits of Dr. James Glutathione 1500mg Glutathione Skin Whitening Injections. You can go for these shots if you want to get clear, radiant, and reddish-white skin.

Don’t Get Stuck in a Rut – Invest in a New Driveway

The driveway of your house is one of the first things that you or anyone else visiting your home sees. There’s no way of hiding it, and there is no way of getting around the fact that if it is in a state of disrepair, it will make the rest of your property look not care for and untidy.

One reason that many people end up with aging driveways with cracks and potholes in them is that it seems to be a massive and expensive job to put right. That’s why you should always shop around to find the best deal when you are looking to have work carried out on your driveway. Weigh up all the different options and then make a decision based on your particular wants and needs. Whether you are considering tarmac or a paved driveway, you are sure to improve the look of your property immeasurably.

If you’re not personally bothered about the state of your driveway but are looking to sell your property then it makes sense to have it re-laid before putting the house on the market. Potential buyers could be put off buying your home straight away if they take one look at it and see a messy and cracking driveway. It suggests the rest of the house may also be in a state of disrepair, and who wants to buy a home off someone who has not looked after it.

Whatever type of home repair you are looking into, it is always important to make sure that you look around different companies to make sure you are getting the best deal out there and not spending more money than you need to. You can now find companies online that are dedicated to finding quotes for driveways, helping you to get the very best deals available in your local area. Home improvement price comparison websites make sure that you are only put in touch with reliable and reputable companies that you can trust to get the job done for a fair price.

It’s possible to get quotes for everything from new kitchens to double glazing, so when you have a home improvement project on the cards then make sure you look on the internet to find you perfect partner.

Free Grants For Home Improvement Repair Costs

If you would like to fix or repair your house, home improvement grants provide free money to Americans who can use some financial assistance when it comes to covering the cost of home repair. These grants are typically provided by the government. More specifically, your local government has the greatest interest in helping you finance your home improvement projects, as they are the ones to benefit the most.

The home owner, also benefits greatly from these programs. Home improvement grants provide free money that never has to be paid back. As long as these funds are used for the purpose agreed upon in your grant application, the cash is yours to keep.

Once you access the grant database to find the government grant programs that you are eligible to receive, you’ll realize that there are a number of grants to choose from. Some provide money for home repair, others provide free grant money to expand your home, while others offer the cash you need to upgrade your appliances to energy efficient equipment. It all depends on what government programs are specially available in your community and how much funding is left for you to claim.

When you apply for home improvement grants, you do not have to worry about your credit score, collateral or down payment money. Because these are not loans, the government is not interested in this information. What you will need, however, is the details on your project, an estimate as to how much it will increase the value of your property, and a good idea of how much money your project will cost.

The Basics of Acquiring a US Visa

It’s not uncommon to dream of visiting places you see in the movies. Let me guess, most of them are in the United States. To name a few, New York, LA, Miami, Washington and Chicago are some of the common tourist destinations in the US. You have the resources but you harbor this apprehension of being denied.

This should not stop you from making your travel plans a reality. If you have relatives in the US or you would like to travel solo, the key is to know what type of visa you must apply for, the necessary documents you must fill out, and more importantly, the purpose of your visit to the US.

First things first, know the difference between a US Visitor Visa (B-2) and a US Visa Sponsorship.

These two things are not the same.

The visitor visa often known as B-1/B-2 visa is a non-immigrant visa for people wishing to enter United States temporarily for pleasure, medical treatment, and business. In this case, you apply for your US Visa with the US Embassy or Consulate. Whereas, a U.S. visa sponsorship is applied for by the employer or close family member by filing an immigration petition with the U.S. government for getting a residency card (Green card) for their employee or close family member. This is also known as non-immigrant petitions such as work visa (e.g., H, L visa) as well as family visa (e.g., Fiancé or K visa).

What is the purpose of your visit?

You will be asked this question by the US consul who you will meet when you get to the embassy. But before that, determine the purpose of your trip. If the purpose of your trip is to visit USA for a short duration for pleasure, tourism, and visit relatives, family, or friends, then visitor visa known as Tourist visa to USA or B-2 visa is the right visa for you.

However, keep in mind that you if apply for a visitor’s visa, among other things, you must show to the US Consular officer that they have strong ties to the Philippines as you home country and they intend return after their temporary stay in the U.S. You must also show that you have enough money available to take care your expenses for your U.S. trip such as air tickets, visitors insurance, lodging/boarding, transportation expenses, tourism expenses and all other expenses.

What if I don’t have enough resources but my friends and relatives in the US are willing to shoulder my stay there?

Then this is where sponsorship sets in.

Who can sponsor my trip?

Any US-based person can sponsor visa for his/her parents, relatives, and friends. This means that he/she must either be a holder of an I-94 (US Green card) or a US Citizen. Your sponsor should provide an affidavit of support (form I-134). The form is a confirmation that the sponsor is ready to undertake the financial liability of the applicant during the visit.

What documents do I need to submit?

Must have Documents for US Visitor Visa interview:

  1. A valid passport that does not expire prior to 6 months beyond of your intended stay.
  2. Printout of your confirmation page from the form DS-160
  3. Fee receipt US Visa Fees
  4. One photograph
  5. Original/Copy of Visa interview appointment letter

Supporting documents to show your Ties with your home country include:

You must demonstrate strong economic, social, and familial ties with your home country. You must also show that you will not become a burden on US by proving your financial stability to cover the expenses in US. These facts will ensure the interviewing officer that you will return to your home country after the authorized period of stay in USA. The required documents are:
1. Evidence of sufficient funds for the visit to US (Bank statement and passbook, etc.)
2. Evidence to show that you have strong ties to your home country. Documents related to the property you own and your employment are good evidence
a. If you are employed get a verification letter of employment
b. If you are self-employed get a financial and other documentary proof of the ownership
c. If you are a government employee get a Certificate of Employment and an Authority to Travel Certification
d. Tax ID, and recent tax-related documents
e. Original property papers like house, shop or business ownership documents etc. which you own in the Philippines/home country. If no papers available, make a notarized affidavit for the same
f. Documentary evidence of running any business or organization
g. Evidence of family ties like unmarried children, old aged parents and other family responsibilities
h. If person is an employee, other than proof of employment and proof of leave granted from the office, any such document that would show proof that you have reasons to come back

Documents and other proofs aside, the assistance of an immigration counsel/consultant who would facilitate your application and better your chances of getting approved is strongly suggested and highly encouraged.

Expand Your Brand Using Other People’s Money by Using Franchisor Strategies

Back many years ago, I met a fellow franchisor, he’d built a nice company with 250 franchisees which operated Kiosks in shopping malls – you know those carts in malls that sell various wares. What he did was make each Kiosk its own business, at first as “independent contractors” but later as Franchisees due to the Franchise Law rules. Each franchisee had to sign a two-year franchise agreement with non-automatic renewal, where the Franchisor could merely take over the business, location, as he already had the lease-space agreement with the malls, including the corporations that owned many malls around the country.

After two years, he stopped renewing franchise agreements, took control of all those little businesses, and then sold the whole thing and retired a very wealthy man. Unfortunately, many of the independent contractors, turned into Franchisees were forced out after building up their businesses and providing a substantial amount of goodwill. The franchisor’s concept was built by the blood, sweat and tears of all those individuals, who did make decent money in the meantime, but were then basically terminated when their franchise agreement term ended.

Recently, there is an interesting company in the “Handy Man” sector which has a franchise agreement that states it may unilaterally buy back the franchisee’s business at any time after 2-years of operating. In the Franchisor’s option to purchase there is a mathematical formula for valuation of the Franchisee’s business that negate the value of any “goodwill” and allows the Franchisee to choose if he will see at “Fair Market Value” of assets (used equipment, office furniture) or twice the earnings before interest, taxes, and amortization (EBITA).

Why would a Franchise Buyer buy a franchise like that? I suppose there might be a few situations where it makes sense for instance, the Franchisee just needs a couple of years of income and believes they can build up a good “book” of business, and if it starts to go South, the Franchisor may buy him/her out and they can move on, less risk? But what if the Franchisor chooses not to buy and the business fails? What if the business succeeds wildly and the Franchisee is forced to sell-out a thriving and growing business?

If you think about it, it is a brilliant strategy for a Franchisor, have others build your business, take all the risks, and if they succeed, you terminate their franchise agreement instead of renewal, and if they fail, you simply let them fail, then sell that territory to a new franchisee, until one succeeds and then you just keep winning and building on the backs of others. As a franchisee buyer it may be wise to recognize such strategies and be weary of them, unless it serves your temporary purpose of a short term business and solid temporary cash flow based on your abilities and the Franchisor’s model. Think on this.

Jobs You Can Do From Your Dorm Room

College students are going to head back to school soon and that means many of them will have to leave their summer jobs behind. While many students will try to find jobs on campus, others will try to stretch the money they saved during the summer. For those that want to make money, but don’t want to work on campus, working from a dorm room may be perfect. These telecommuting jobs are flexible to allow you to keep studying top priority while earning money.

Freelance Writing

Business owners want freelance writers to provide content for their websites. You can write for blogs on topics that interest you. All you have to do is find business owners in niches you like that need content for their sites.

You can find work on Elance, oDesk, and Craigslist. You may have to start working for a lower wage than others to gain experience and a reputation, but once you have that, you’ll be able to get higher paying work.

Data Entry

Many companies are outsourcing their data entry now because it keeps costs low. The data you must enter can be delivered to you via email, and then you’ll be granted access to their database. You will need to take the information sent to you and input it into the database. These jobs are paid by project or per hour depending on the company.

You can find jobs like this on Elance and oDesk, but you can also search large job sites such as Monster.com and Indeed.com for them.

Transcription

Transcription involves taking a recording and typing it out. Many doctors, lawyers, and other professionals need this service because they don’t have the time to convert their recordings to text. You’ll receive audio files via email or mail, and then you’ll have to type them. You can send the text file back via email, which makes it perfect for a college student working in a dorm room.

You can find these jobs on large job search sites because that’s where professionals usually post their needs for transcriptions. You can also work for transcription companies such as Aberdeen, AccuTran Global and Capital Typing.

Get Started Today

The best time to start looking for a job is now. The sooner you start looking, the more prepared you’ll be when you get to school. You’ll be able to learn the jobs you receive before you start classes too. Start with the sites mentioned here and then you can start exploring other options if you have the time.

Weight Gain Myths

Gaining weight is a gradual process that requires constant training and high intensity workouts. However, people do have certain myths regarding weight gaining program.

High repetitions burn fat while low repetitions build muscle: This statement is far from being true. In order to lose weight, one needs to decrease average calorie intake. However, for gaining muscle strength, one needs to have a progressive workload with a variable frequency of repetitions.

Vegetarians cannot build muscle: Research has shown that vegetarians can indeed gain muscle with regular training and daily supplementation of soy protein isolates.

Strength training will make you look masculine: This is the most common myth among women. However, building muscle is a steady process that needs proper strength-training regime ably supported by proper diet. Testosterone, which is the male sex hormone, is primarily responsible for muscle gaining in men. The secretion of this hormone is quite low in women, resulting in lesser muscular growth.

Many people believe that they can eat anything if they are doing a regular exercise. However, diet has a major role to play in defining a person’s general health and physique. It is always important to balance the ratio of calorie intake and calories burnt.

Occasional break from a rigorous training schedule is useful as it helps in refreshing the muscles and helps them to recover.

Eating more protein doesn’t necessarily help in gaining weight. Muscle building is primarily dependent on two factors which include a progressive workload and eating good calorie food. Diet derived from carbohydrates would be more useful.

One should always avoid taking steroids for building muscle as they are more harmful than being good.