Like to Golf? You Will Love a Personal Golf GPS

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Modern technology has changed the way we do many things in our lives. Now modern technology has come to the golf course. Of course there have been improvements in the materials that clubs are made of and certainly the attire has improved over time, but nothing that has come before can improve your game more than a personal golf GPS device.

These wonderful little machines can give you the advantages that the pros have without all the work. Pros have the time to go out and walk a course and take measurements that help them decide what clubs to use and how much force to use when striking the ball. Would not it be great if you could have those advantages too?

Now you can. A hand held personal golf GPS device uses satellite technology to give you accurate measurements not only for each and every hole on the course, but also relay to you the distance left to the green and the hole after you have hit the ball off the tee. It can also let you know how far you are from bunkers or water hazards.

Most personal golf GPS computers will also tell you what par is and keep track of your score for you. Its like having a professional caddy right in the palm of your hand.

Not all personal golf GPS devices are alike however. Some come preloaded with all relevant information, including all the measurements for every hole on every golf course in the United States. Others you will need to access the devices website and download the information you need. Either way, having this information will allow you to completely change the way you play the game.

Your golf buddies will wonder at the vast improvement in your game. Whether or not you let them in on your little secret is entirely up to you, but be warned, if you tell them, they are likely to want to borrow yours. This will level the playing field and you may go back to losing a round or two.

So, if you like playing golf and you enjoy winning, the personal golf GPS may be the perfect golf accessory for you. It is now even possible to get this function programmed into some cell phones so you wont even have to worry about being weighed down by too many electronic devices. It could not be any easier to improve your golf game. …

Earning Money the Right Way

Posted on Posted in business, money, personal

There was a time that the only way to make money was to get a job. Nowadays, more people are opening up businesses so that the person can get more from doing a great job rather than settling for the basic wage.

One way to make money will be to invent a program. Many have done this and advertised the product on the home shopping network. This could have a revolutionary new ladder, a new exercise machine that can combines the work done by three different models to an exercise workout plan.

The individual will have to do some research first and test it so that the customer will really benefit from what the product promises to deliver.

Another way to earn money will be taking a few seminaries and classes then using it. A good example is someone who loves to take pictures. Some people think that it's just a click of a button but it takes more than that to be able to get the right shot.

The individual will have to use the right type of equipment and have the right lighting to get the perfect moment of the client. This can be done full time or part time and many sell these photographs to newspapers and magazines to be able to make some money.

Women who are homemakers at home can make money by practicing a lot and being good at sewing. The individual can start a business at home by altering dresses or making fabulous designs for clients. This can be advertised by word of mouth or through the Internet so that people may come and ask for something custom made.

Some families or couples are tired to cook after a hard day at work. Those who love to cook should take the opportunity to prepare full course meals for the neighbors. These people are called personal chefs and earn $ 3,000 to $ 4,000 a month by preparing various dishes for the pleasure of the client.

But adults are not the only ones that can make money. Kids can do the same by doing some things around the house or in the neighborhood. The child can get a job as a carrier delivering newspaper every morning.

The individual can also earn some money by mowing the lawn, washing the car, walking the door or cleaning out the gutters of the neighbors for a small fee that could be higher than the amount mom or dad will ever give every week for allowance.

If the person is hands on, it should not be a problem to use the oven and bake some cookies or cakes, which can be sold every weekend after Church or selling these in a stall right outside the grocery.

There is opportunity to earn money and all it takes is for the individual to take a look around and take advantage of it. The examples given show that this can be done by people of all ages at home instead of …

Leading Female Experts and Personal Brand: Who Do You Influence?

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Last week Time Magazine shared some of the world’ best known Personal Brands: the profiles of the world’s 100 Most Influential People. Jeff Bezos graces the cover and each person featured is a celebrity or political figure. The article about each person is written by another influencer. For example, Melinda Gate’s profile is written by Sheryl Sandberg. She describes Melinda as ‘a fierce advocate for women around the world and that her impact will be felt for generations’.

The edition is certainly inspiring, yet the challenge for us as women is that sometimes we see Influencers like this and think ‘what can I offer? How can I possibly make such an impact?’

And when I hear women say this, my thoughts are drawn to a special lady called Lillian Armfield.

Lillian Armfield was born on 3 December 1884 at Mittagong, New South Wales, daughter of George Armfield, a labourer, and his wife Elizabeth. Educated locally, she was highly intelligent, well schooled and was described as having a good head for numbers.

Before her time

In 1907 she became a nurse at the Hospital for the Insane, Callan Park, Sydney, where she looked after female inmates. Due to her competence and kindness to patients, in 1915, the medical superintendent recommended she apply for a newly established post. This post was as a police recruit in the NSW police force. At the time there were no female police officers in Australia, but this little hurdle didn’t deter her. She thought she would be well suited to a career on the front line.

Lillian was successful in her application and in her starting role was paid the grand sum of 7 shillings, 6 pence a day. Unlike her male colleagues, however, Lillian’s contract specified that no uniforms were to be provided and no overtime or expenses were to be allowed.

After a year’s probation she was enrolled as a special constable, however, her promotion came with a catch. In what would seem unbelievable in today’s workplace, Lillian was required to sign an agreement with the inspector-general of police. This made her subject to the same rules and discipline as her male colleagues. However, without the right to any compensation for injuries received in carrying out her duties. In addition to this quite overt discrimination, Lillian was also required to forego her right to superannuation and pension benefits upon retirement.

Overseas interest

The experiment of Lillian Armfield’s appointment was watched with intense interest overseas. She was the first plain-clothes female detective, exercising the same powers of arrest and working side-by-side her male colleagues. So foreign was this concept of a female policewoman, that it gained international attention.

In Paris, a captain for the French police declared that policewomen would be the subject of jeers and prompted the following jingle in a Sydney newspaper:

“In gay Paree no police you’ll see parading around in skirts

For France prefers her mademoiselles as dainty, pretty flirts,

No Sergeant Armfield there you’ll find, forever on the roam,

The

How Do You Make Money From Google Adwords?

Posted on Posted in money, personal

Can you really make money from this?

Late 2003, I think was the first time an ebook popped
up that claimed that one could make money from Google
Adwords.

The main method that was revealed involved combined
Google AdWords and the Clickbank affiliate program, to
make money, online, everyday almost on autopilot.

Please allow me to very quickly outline how you can
make money on the internet, using this system.

Here are 2 things you need to get started …

1) You need a Google AdWords account.

=> http://adwords.google.com

2) You also have to sign up as a Clickbank affiliate

=> http://www.clickbank.com

Ok, so how does it work?

Well, you simply go to clickbank.com and on the main
page you click on "Promote Products" on the right.
You will be taken to the index page of all products
being sold via clickbank. Each product is listed with
a short description and the percentage you make as an
affiliate.

Just select the product you wish to promote, grab your
affiliate promotion URL, by clicking on the [earn 50%].
Your personal affiliate link will pop up, just copy
and paste that, into a text editor like notepad.

The next thing I like to do is visit the main sales
page of the product I have selected, and select some
benefits from the sales copy, I can then use these to
write my Google AdWords Ad.

Alright then, how do you write your Ad?

The general profitable Google AdWords format that has
seemed to work for many is like this. Line one your
heading ask a question, line two mention a feature of
the product or ebook, line 3 give a benefit, then line
4 your websites address goes there.

Once you have selected your budget and you submit your
ad, it will probably start showing on the Google
network within the next 10 minutes.

When searchers see your Google ad, they click on it and
Google will charge you for every click, according to
how much you bid on a particular keyword.

If the searcher who clicks on your ad, then goes ahead
and buys from the site, you will receive the relative
commission from Clickbank, and you can check your
earnings when you login to your clickbank account.

However, There's 2 things to watch out for …

Your Return On Investment (ROI) and your Click Through
Rate (CTR).

The ROI helps you determine how profitable
your Google Ad is, when you subtract the cost of
running your ads from the amount earned in your
clickbank account.

The CTR helps you fine tune your ad so you can
increase the number of people clicking on it especially
if its a profitable ad, if more people are clicking on
the ad itself it would probably result in an increase
in your affiliate income.

That is a quick look at the "How to make money with
Google AdWords System. "If you would like to get more
detailed information on this system, I would highly …

Bad Credit Personal Loans – Fulfill All Monetary Commitments

Posted on Posted in money, personal

It would certainly be a common thing for people involved in financial dealings that one sees the bad credit history developing if the commitments are not clear on time. Bad credit history of the borrowers reduces their credibility which gives rise to problems when they want to borrow money in the future. Bad credit personal loans can be borrowed in such a situation when financial requirements are troubling you.

Home improvement, debt consolidation, wedding expenses, car purchase, travel expenses, etc are some needs that can offer for the borrowers. If this happens when the borrower is suffering from a low credit score, this may turn out to be a problem for him. In such a situation, bad credit personal loans can be borrowed so that all such needs can be deal with easily.

The borrowers who are ready to pledge their assets with the lender for the money can get the secured form of these loans. Money can be borrowed according to the equity of the asset pledged, in the range of £ 5000- £ 75000. Also, the borrower can repay the loan in a term of 5-25 years. The rate of interest for these loans is low due to the attachment of collateral.

Even those who do not want to pledge assets can take up money through these loans. The unsecured form of these loans does not require any asset to be pledged. Money can be borrowed in the range of £ 1000- £ 25000 for a term of 6 months to 10 years. Rate of interest is slightly higher for these loans but can be lowered with the help of online research and comparison of the loan deals available.

The borrowers who are suffering from the problem of a bad credit history can get a much-desired respite for his condition through bad credit personal loans. All personal needs of money can be easily fulfilled through these loans.…

To Do List: A Must for a Healthy Lifestyle As a Personal Trainer

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Being a personal trainer is not an easy job, especially if you have to balance your time between your personal tasks and your job. It can sometimes be a pause from one’s healthy lifestyle as it spells out “stress” even before you start.

Trying to squeeze in some things like writing a thank you note to someone for replacing the wrong shoe size you ordered, cleaning your house that is due for inspection, confirming your night out with your new and old friends, and setting up a schedule with your regular clients can be a daunting task. In order to do all this, a personal trainer must have an organized to-do list in order to accomplish what is needed to do.

Here is a sample to-do list as a personal trainer:

    1. Meet up with a personal trainer I want to hire over a cup of coffee nearyarea.

    1. Clients are on top of a personal trainer’s list. A regular 90-minute gym session with them is always part of your to-do list.

    1. Set up a regular meeting with my apprentices formulating ideas about diet and lifestyle programs specifically for each client. Every client’s needs and health issues are different from each other so each one should have their own specific programs.

    1. Catch up on my speed-reading training. This is necessary not just for personal trainers but also for any busy person. It can save you a lot of time going though your documents that has “to read” notes and doing other personal stuff that needs your immediate attention.

    1. Christmas season is fast approaching and articles like ‘How to Remain in Shape over Christmas’ should be a priority. Spend some ample time to formulate ideas on how to go about this article.

    1. Check out the business portion of The Age regularly, a must read for every personal trainer who is also venturing into business like fat loss program.

    1. Hook up with other affiliates through meet ups or send them an email. In my case, Isagenix is ​​one of my affiliates.

    1. Internet is a serious business. Take some time off to deal with that new internet business which is the 12-Week Body Transformation program.

    1. Developmental seminars play a major part in enhancing the skills of a personal trainer. I always try to convince one of my colleagues to tag along with me so I do not have to attend it alone and we can both learn together as well.

    1. At times, resolving issues like Ezpay charging higher amount to your customers than what should only be billed is not a good business. Resolving issues like this is part of my job. This way, customers will feel special that you are the one handling their concerns and not just one of your associates. This is a nice customer retention strategy.

    1. Your health and your customer’s health should also be on top of your concerns. Remember to call people connected with your Corporate Health business as much as I can to check on things.

    1. Scan other

How Personal Injury Lawyers Can Help To Receive Right Compensation

Posted on Posted in insurance, money, personal

Both physical and mental injuries need time to get recovered. Plenty of medicines and remediation are there to treat physical injuries; but it is always difficult to heal someone's mental injuries – the invisible bruises.

Whatever the cause of physical and mental injuries is someone else's recklessness or just a mishap, the burdens of sufferings are left for those who are injured. As if it is the victim's responsibility to get back on the normal track of life again. Family members of car accident victims are also forced to compromise a lot. One can easily imagine how difficult it is to cope with such an unwanted lifestyle.

Blaming luck is not of much help. The victims of personal injury need medical attention, proper care and financial support for their families too. When another person or organization is accountable for your injuries, Tort Laws entitle you for compensation against all your damages. The person or entity at fault should pay the costs needed to recover victim's injuries.

To get out from the mental trauma that most personal injury victims experience, the feeling of getting justice helps a lot. The thought that a bit of carelessness and sense of responsibility of another person could save you from leading a homebound and bedridden life, is likely to add to your sufferings. Identifying the applicant as guilty before the law often gives personal injury victims sort of mental peace.

Consulting personal injury lawyer often proves useful. Local attorneys specialized in handling personal injury cases can help you file compensation claim in court of law. Professional lawyer helps victims pursue the case till the end. Experienced lawyers prepare the action plan and present your case in such a way that increases the chances of win.

While seeking legal advice give highest preference to local lawyers. Dealing with local attorneys saves you time and money. If you meet a car accident in Florida, see Accident Attorney Florida for consultation. Local lawyers have better insight of state laws. Here, they can help you in a more efficient way.

With years of experience, personal injury lawyers in Florida understand the needs of accident victims very well. Alongside moral support and mental peace, most personal injury victims experience a money crunch.

That is why Florida lawyers do not charge you any fees until the case is won. With that said, it becomes easier for you to hire a professional personal injury lawyer in Florida! All you need to do is find a reputed lawyer or law firm within your locality. Then hand over all the details of the case to them and that's it. Your lawyers would make suitable plans, contact you in case more documents are needed and represent you in the court.

The insurance company of opponent party pays the compensation most of the time. Your lawyer sketches the plan in such a way so that all your damages are calculated while compensation amount fixation in court. An expert lawyer would take all the care while presenting …

Why You Can not Get Ahead Without Personal Power

Posted on Posted in business, personal

One of the areas where you can leverage your Personal Power and achieve great things is your professional life. Let us think about the sources of power within a corporation or any business. There are really three sources of power in the business world.

One source of power within a corporation is position. If you are the president or a manager of a certain level, you have position power. Your position gives you the power to make key decisions within the organization that other people have to carry out. So, that is position power

A second type of power is expertise power. When we say expertise power we are talking about someone who possesses unique knowledge or a specific skill that sets them apart from others. This particular knowledge gives them power They have the ability to sway the organization because of expertise they have, real or perceived.

Think of some examples of people you know within your organization who have expertise power If you really think about it, almost everyone has expertise power from the mail clerk who brings mail around to the vice president of research and development. Everyone has expertise power Everybody has something they know or do, that gives them leverage or can give them leverage in a situation, and therefore gives them expertise power

The third type of power within a corporation or business is Personal Power. It is the type of power that puts juice into the other two powers. It is the type of power that enhances, that creates, that supplements, that in fact can substitute for the other two types of power On the flip side, if you have both position and expertise power and you have little Personal Power you will detract veryly from your ability to influence the organization. Personal Power is about self-mastery and self-confidence. Personal Power is about control over self and how you use that control over yourself to influence others.

Personal Power allows you to achieve instant respect, make dynamic presentations and will help you achieve the elusive thing called "charisma." It will also allow you to be more effective in your job and your personal life.

© 2008 Darryl L. Mobley …

Equity Financing: The Accountants’ Perspective

Posted on Posted in business, finance, money, personal

Growing up it has always been said that one can raise capital or finance business with either its personal savings, gifts or loans from family and friends and this idea continue to persist in modern business but probably in different forms or terminologies.

It is a known fact that, for businesses to expand, it’s prudent that business owners tap financial resources and a variety of financial resources can be utilized, generally broken into two categories, debt and equity.

Equity financing, simply put is raising capital through the sale of shares in an enterprise i.e. the sale of an ownership interest to raise funds for business purposes with the purchasers of the shares being referred as shareholders. In addition to voting rights, shareholders benefit from share ownership in the form of dividends and (hopefully) eventually selling the shares at a profit.

Debt financing on the other hand occurs when a firm raises money for working capital or capital expenditures by selling bonds, bills or notes to individuals and/or institutional investors. In return for lending the money, the individuals or institutions become creditors and receive a promise the principal and interest on the debt will be repaid, later.

Most companies use a combination of debt and equity financing, but the Accountant shares a perspective which can be considered as distinct advantages of equity financing over debt financing. Principal among them are the fact that equity financing carries no repayment obligation and that it provides extra working capital that can be used to grow a company’s business.

Why opt for equity financing?

• Interest is considered a fixed cost which has the potential to raise a company’s break-even point and as such high interest during difficult financial periods can increase the risk of insolvency. Too highly leveraged (that have large amounts of debt as compared to equity) entities for instance often find it difficult to grow because of the high cost of servicing the debt.

• Equity financing does not place any additional financial burden on the company as there are no required monthly payments associated with it, hence a company is likely to have more capital available to invest in growing the business.

• Periodic cash flow is required for both principal and interest payments and this may be difficult for companies with inadequate working capital or liquidity challenges.

• Debt instruments are likely to come with clauses which contains restrictions on the company’s activities, preventing management from pursuing alternative financing options and non-core business opportunities

• A lender is entitled only to repayment of the agreed upon principal of the loan plus interest, and has to a large extent no direct claim on future profits of the business. If the company is successful, the owners reap a larger portion of the rewards than they would if they had sold debt in the company to investors in order to finance the growth.

• The larger a company’s debt-to-equity ratio, the riskier the company is considered by lenders and investors. Accordingly, a business …

Coverage of Commercial Auto Insurance

Posted on Posted in business, insurance, personal

Commercial auto insurance provides security to your owned vehicles or for the vehicles used in business. It can provide insurance covering bodily injuries and as well as liability coverage. Vehicles which are commonly used for commercial purposes include trucks, car, buses, vans and trailers.

There are different types of commercial auto insurance coverage to choose from and are available depending on your need for coverage.

Business insurance is a security provided for personal travelers and commercial autos which may be involved in any business. Not included in this type of insurance are cargo companies, auto dealers and auto service companies.

The commercial auto insurance can provide primary coverage. This covers legal responsibility and liability, cost of protection and many more. Also, bodily injuries are also covered in commercial auto insurance. Although it gives security and protection from injuries, this is different from the personal auto policy.

Other coverage includes comprehensive and collision coverage which is useful for defined threats should there be a reason responsible for any losses. The collision coverage covers repairs, and may restore or compensate the auto.

Under the business coverage, auto dealers are not allowed in its coverage but may be covered under the Garage Coverage. This includes liability and bodily injury coverage and as well as insurance for garage keepers.

By virtue of the Motor Carrier Act, truck owners are sanctioned to confirm and comply to financial requirements because they will be the ones liable for any losses during the duration of the process. Because of this, insurance company provides trucker’s coverage to truck business owners.

For more information about this article try to visit Auto Insurance.…