Our 8 Best Boston Travel Agents #find #cheap #hotels

#boston travel
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Angie’s List helps you hire the best – and avoid the rest!

Prevent buyer’s remorse with us

Angie’s Answers

Ooh – BAD timing for travel to Hawaii – and if not booked by now you probably just about have to have a travel agent. Good thing this is just the honeymoon and not the wedding, if you are booking now – so an agent will be even more important to you in this case, though I guess you might get a decent deal with an airline-sponsored package deal for two as well, if any are still available.

My experience – a good travel agent is worth their weight in gold – we give ours a thank-you gift each year. We have one that charges $35 a person fee for all but extensive foreign travel packages (they make most of their money off booking commissions). We use her for all travel except simple mileage-plan-paid there-and-back trips when there is no rental car or motel involved, because when she does the booking she generally saves us about $25-50/day just on rental car and hotel/motel. For instance, on one Disney World trip we were able to take the 4 in the family PLUS our kid’s two best friends for about 5 days there, staying on-property with preferred passes, for the same amount as just the normal two adult cost – a thousand plus in savings. We can go online and see zero mileage or discount seats available for an entire week – yet she is able to get us seats on the day we want in most cases, or at worst one day away, and almost always on mileage even though the airlines themselves say no mileage seats are available – including at high travel periods.

Of course, you need a conscientious one with lots of experience who knows the system ins and outs, and preferably running on the Sabre reservation system because it shows a lot more than competing systems and makes finding alternative booking easier, as I understand it.

Using a travel agency (preferably one with several people working there and 24-hour emergency service) also gives you a firm point of contact to solve any problems or rescheduling – we have had 10 minute rebooking several times when a flight was cancelled – generally before the airline even got around to starting to help passengers get on other flights, and an agent carries a LOT more weight with rental car agencies or hotels or airlines than you do if the reservation is screwed up by them. Oh, and our agent always gets us a free car upgrade too – typically jumped up 2 grades at no extra charge.

Don’t leave it ALL to the agent – give a synopsis of what type of lodging and seating and such you want and things you want to visit, then let him/her come back with a concept plan for approval modification, then to a hold reservation for your approval – typically an agent can put a “hold” on reservations for 24-48 hours for your approval, though that does require you stay on top of your eMail to respond back with OK or not in time to allow cancelling or confirming the reservation within that timeframe.





05/12/2017

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Top 8 iOS – Android Apps to Find Cheap Flight Tickets

#find the cheapest flights
#

Top 8 iOS Android Apps to Find Cheap Flight Tickets

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N owadays, the number of people that travel by plane is increasing year by year and so is the usage share of smartphones. Travelers rely more and more on their smartphones or tablets to help them with their daily tasks. In the past, we ve featured mobile apps that you can use to track your flight s status or even make the most of your time while you are waiting in airports .

This time, we re going to talk about iOS and Android apps that you can use to find cheap flight tickets that are essential to planning your travel carefully. You can also have a look at our guide on how you can plan your travels from your Android tablet and you might also try out Wanderio, a bold new start-up that promises to offer you the cheapest and most complete way to travel, end to end. But now, let s see what are some reliable apps for iPhones, iPads and Android devices that one could use to find cheap airline tickets.

Find cheap flight tickets from Android

Besides helping you find cheap aiplane tickets from the comfort of your Android smartphone or tablet, Hipmunk will also save up to 60% off hotels with new Tonight Deals option. The app is very fast and it s a little different than all the other cheap flight apps because it sorts flights by agony , not only price. Thus, you will see important factors like flight duration and number of layovers, which we all know how annoying can get.

CheapOair Flights and Car is another Android app that you can rely on to find cheap airplane tickets. Inside the app, you can sort results by price, travel time or number of stops and even purchase travel insurance and travel assist. Checking your flight bookings is a breeze with this tool. Also, you can save recent searches to make future bookings much easier. Besides finding cheap flights, the app can also search and book Rental Cars and will even provide you with 24/7. You will get instant discounts on your flights if you choose to share the pp with friends.

Google owns the ITA Software company that has developed OnTheFly. so this is another reason to rely on it. The app comes with an advanced way to find the lowest airfares for any place that you want to visit in this world. Multi-city itinerary search, intuitive travel date calendar, fine-grained control over all search parameters and full disclosure of exact airfare calculation are the features that make this app stand out from the crowd.

TripAdvisor needs no introduction and is probably the most known travel app. While it s not dedicated for airfare purposes, it does come with an option that lets you scan for the cheapest airflight tickets. Besides help you find the lowest airfare, you can rely on TripAdvisor to help you find the best hotels, great restaurants, and other fun things to do in the new place that you re about to discover.

Find cheap flight tickets from iPhone, iPad

One of the best cheap airfare apps to be used on your iPhone or iPad, Skyscanner has more than 20 million customers that are pleased with its performance. Recently refreshed for iOS 7, the app will let you compare millions of flights and 1000 airlines in seconds to find the cheapest and most convenient one. Specific features for the app are the chart view that lets you see prices across a week or a month

One of the best flight search engines, Bravofly Flights app for iPhone and iPad saves you the hassle of comparing flight prices on various other websites. Besides this, you can also find and check the status of your flight so you will be constantly updated. You can books flights for up to 9 people and complete the purchase on the Bravofly website.

Momondo for iOS is one of the best looking apps for finding cheap flights, with a nice and responsive user interface. The databases of more than 700 travel sites and airlines are available at your fingertips. What s neat is that you book flights directly from the app, without having to log out. You can also choose to email the flight info to yourself or a friend, or save it in the app.

easyJet is the second-largest low-cost carrier in Europe, behind Ryanair, but its app is among the best ones to be used. Inside the app, you can book flights, check-in and download mobile boarding passes, choose seats, manage books, add more options to your flights such as tracking them.





03/12/2017

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Top 8 Best Airfare Price Predictor Tools and Apps #cruise #travel

#best prices on flights
#

Top 8 Best Airfare Price Predictor Tools and Apps

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I f you’re a traveler as I am, you sure know how important it is to know the fair value of your trip, and be able to save money while flying. But it takes a long time to check so many different websites for deals, and then go back to Google and check your favorite airline’s website once again. This is why tools have been created in order to help us make traveling easier. and cheaper.

Some of these tools and applications are meant to showcase the deals that suit your interest, some others are trying to compare prices and show what the cheapest airfares are. While a few years ago it was difficult to find any type of software that could help, now it’s hard to choose which one’s the best. In this piece we re going to tell you a bit more about eight of the most relevant airplane deal comparison apps, so you can choose the flight that suit you.

Skyscanner

My favorite tool is and will probably continue to be Skyscanner , because it’s very good at showing you what airfares are going to look like in the next year. Most of the tools we know tend to only show details regarding the next month or first few months, but only few of them go as far as a year.

In addition to that, is also able to help you decide where you’d like to go. If you still don’t know where you’d like to spend your next holiday, you can simply enter the area or country you’re looking for, and the cheapest flights will be shown. For example, when I was looking for options in the United States, I simply had to add the location I was departing from, and a wide variety of low fares would be shown to me. I could either go to California, Florida, or many other locations.

On the bright side, this tool can help you cut costs by researching indirect routes, either than only direct flights. On the bad side, though, the “flexible” feature that used to be included is not available anymore. This one was helping you by suggestion near-by locations – if you wanted to go to Bonn or Koln in Germany, it would also suggest cheaper versions that took you to Dusseldorf or Dortmund.

Kayak

You’ve probably heard of Kayak before – this one’s a tool that searches through many websites at the same time, in order to come up with the best deals for you. All you have to do is go on the website, enter the details of your trip, and wait for it to do its job.

If you’re not in a hurry, Kayak is also going to show you the best options during the next couple of months. And if you don’t find anything too exciting at the moment, you also have the option of setting an alert. This one will send you an email whenever you want – it can be scheduled to alert you daily, weekly, or only monthly. Whatever option you go for, this will send you the best options for your preferred destination.

StudentUniverse

Because traveling tends to be even more complicated when you’re a student, the StudentUniverse tool is especially dedicated to them. While some other websites simply try to inform you about the best options, this one tells us it actually negotiates prices for you.

By working directly with the main airlines in the world, this tool is able to provide students with deals to choose from. As they say, “we are able to negotiate special fares because airlines can depend on our patented verification technology to make sure that students are the ones benefiting from these reduced fares.” So, long story short, don’t try to trick them into thinking you’re a student if you’re not!

STA Travel

Working in a similar way as the tool before, this one is also dedicated to students. It works with many global airlines in order to negotiate and win some of the most exclusive traveling deals. To be able to take advantage of this website, you don’t only have to be a student, but also under the age of 26.

Thanks to STA Travel students can book their next tickets for traveling, for their internships or volunteering trips they have planned at a reduced price. Plus they are also able to change their departure and arrival after purchasing the tickets, as STA is the only one providing flexible dates.

Momondo

Momondo is a well-known traveling resource that takes a look at over 700 websites before choosing the best fares and deals. The reason why it works so well is that the company designed robots that search for flights just as a human would.

Although a very good tool to use, it has the disadvantage of being specially designed for Europe. This means it can work great if you’re looking for flights to Amsterdam, Rome, Prague or Budapest. However, it’s not going to help you find great deals for going to the United States, APAC or Africa.

Priceline

If you are traveling just for fun, Priceline might be the best option you have. Why is that? Because it requires some flexibility in order to find the best deals – once you’re not stuck with specific dates for your trips, it can help you save up to 50%.

This tool works by choosing off-peak flights for you and using connections. This way, you’re not flying when everyone else is to a typical summer location. At the same time, you may stop in a few places, have an hour to change the plane, or you might as well have a long time to wait, which allows you to visit that location, too.

On the other hand, this website is only going to provide you with the dates of your flights. This means that you will find out when the plane is leaving and when you should take your flight back after you made the purchase.

AirfareWatchDog

The AirfareWatchDog tool was initially created to find the best fares. However, it recently turned into an alerts tool that allows you to enter the details of your ideal trip and sends you the best deals at a later time. You only decide where you want to go and what the latest date is then you start receiving alerts.

They are typically emailed to you every day, a few times a week or only once every week. It is very popular because it covers most airlines and is sure to also include smaller carriers. This way, you can go to places in South Africa or even Asia without having to worry about the price.

FareCompare

Last but not least, one of the most advance airfare price predictor tools available online is Fare Compare . This website compares flights’ prices from over 500 airlines from all over the world and is known to collect information about old and current airfares. This enables them to tell you what the best price is, whether you should wait before you purchase your ticket or not.

Being dedicated to true travelers, it also includes many tips and suggestions, while it comes with a Getaway Map. This one is meant for those of you who haven’t decided where to go yet – it’s an interactive, user-friendly map that shows you where you could go with the budget you have.





29/11/2017

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8 Money Myths #travel #adviser

#cheap flights with car rental
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





16/11/2017

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8 Money Myths #travel #websites

#cheap flight and hotel deals
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





16/11/2017

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8 Tricks to Cheap Student Travel #travel #industry #jobs

#student travel deals
#

8 Tricks to Cheap Student Travel

By Miriam B. Weiner | September 13, 2012

As the days grow longer and the weather warmer, a tremor of excitement passes through college campuses: Summer vacation is on its way. Soon, students will be swapping books for plane tickets and getting ready to explore outside the classroom. However, as all you parents know, a summertime getaway can cost a pretty penny.

With help from Clem Bason, president of the Hotwire Group. U.S. News Travel has come up with some clever ways for students to go big on a small budget.

Trick 1. Do plenty of research

Students may think they’re free of homework for the next few months, but the key to staying on budget is diligent research. Before reaching the booking stage, students should have a general idea of how much they can expect to pay for flights and hotel rooms. That way, they’ll be able to recognize a great deal when they see one. Many tools, like Hotwire’s Trip Watcher. help travelers save money by tracking travel trends and notifying users of price changes. Students should also sign up for travel deal newsletters like those circulated by Travel-Ticker and Travelzoo. According to Bason, these deal sites “distribute exclusives and flash-sale opportunities directly to your inbox, making it easy for the on-the-go student to save big.” Just make sure to check your email regularly, since these deals tend to go quickly. Students can also nab discounts on the fly by following deal-oriented companies on Twitter or Facebook.

Trick 2. Know where to look

There are thousands of websites out there touting the lowest rates around, but only a few cater specifically to students. STA Travel and Student Universe are renowned for delivering fantastic experiences for very little coin. Both sites offer package deals and discounts on all aspects of travel from airfare to tours exclusively to students who can verify their university enrollment. These resources are also jam-packed with money-saving tips and advice from fellow student globe-trotters.

Trick 3. Be flexible

Students with looser travel plans are more likely to score lower rates on airfare and hotels than those with plans set in stone. Rather than choosing a specific destination right off the bat, Bason suggests that students focus on the type of vacation they want, like a beach getaway or a city trip. And by not committing to specific dates at the initial research stage, students open themselves up to a wider selection of travel deals. “Even a day or two’s worth of shifting on your departure or arrival dates can make a big difference on price,” he says.





16/11/2017

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8 Money Myths #travel #mood

#cheap flight and hotel
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





16/11/2017

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Win X Menu Editor for Windows 10 and Windows 8 #win+x


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Win+X Menu Editor for Windows 10 and Windows 8

One of the new features of Windows 8 is Win+X “Start” menu. It is non-customizable part of the operating system. Win+X Menu Editor is my latest work and it serves to provide you a simple and useful way to edit Win+X menu without system file modification. It keeps your system integrity untouched.



Latest version is 2.7.0.0. it supports Windows 8, Windows 8.1 and Windows 10
Read the rest to learn more and see change log and the demo video

Change log

3.0.0.0
Now compatible with Windows 10 version 1703 “Creators Update”.
No more separate builds for x86 and x64 Windows releases. The single binary works in both versions.
2.7.0.0
Fixed “move to group” behavior: first item in the group was not visible until you restart the app.
Minor changes for better support of Windows 10.
2.6.0.0
New feature – “Add an Administrative Tools item” allows you to add any Administrative Tools item quickly and easy.

2.5.0.2
Workaround with Program Files(x86) folder. Now shortcuts to that folder will be displayed properly in Win+X menu.
2.5.0.1
Bug fixed: if you try to add a shortcut which is already in Win+X menu folder, then application will show you .NET framework error.
2.5.0.0

  • New feature – “Add a Control Panel item” allows you to add any control panel applet including hidden like “Network Connections” or “All Tasks(God Mode)”.
  • Improved icons resolving for Win+X menu items
  • “Add a program” now not a button but drop-down menu.
  • Some very minor non-critical bugs are fixed

2.0.0.1
Fixed a bug with built-in items renaming
2.0

  • hashlnk is not required anymore, all its functions are ported into the Win+X Menu Editor source code
  • Numerous bugs are fixed, such as sorting bug or crash on empty Win+X menu
  • Improved “add a program” feature
  • New clean and useful UI with hotkeys, new icons
  • The ability to move shortcuts between groups
  • New feature – “Presets”, which allows you to add various commands in Win+X menu, such as shutdown options, calculator and so on.

1.0.0.3
Fixed a bug with Windows 8 RTM.
1.0.0.2
Improved *.lnk file handling. You need no rename Win+X menu items anymore, it uses file display name instead of lnk target.
1.0.0.1
Added support to Windows 8 Release Preview
1.0
Initial release

Here is the demo video of Win+X Menu Editor

With Win+X Menu Editor you are able:

  • to add new items.
  • to remove any item of Win+X menu.
  • to change display name of any item of Win+X menu.
  • to reorder Win+X menu items.

An addition information

Win+X Menu Editor is based on the hashlink (http://www.withinwindows.com/2012/04/04/windows-8-secrets-the-winx-menu-and-its-hashing-algorithm/) source code by Rafael Rivera. Please respect him.

Main icon is daKirby309’s ” Desktop (http://dakirby309.deviantart.com/) ” icon + mspaint.exe

The Win+X Menu Editor is available in two editions – x86 and x64. Don’t use x86 version on Windows x64.
Starting with version 3.0, I eliminated separate versions for x64 and x86 Windows. From now, a single executable file can be used in both x64 and x86 editions.

Nice Tweak. But everytime I press apply all icons on the desktop are mixed together!

everytime I click apply:

my “fingerprint” programm (virtual airprint server from collobos) gives up, disappears from the taskbar, the fingerprint-service is also corrupted. I have to restart the service and kill the fingerprint task and start again.
Pretty much work. sad!unsure

everytime I click apply:

my “fingerprint” programm (virtual airprint server from collobos) gives up, disappears from the taskbar, the fingerprint-service is also corrupted. I have to restart the service and kill the fingerprint task and start again.
Pretty much work.

Have been using a few weeks now. Thank you.
Excellent program. Mine has the bare essentials:

Shutdown Link to shutdown VBScript File

Control Panel Link to Control Panel

File explorer Link to Computer Explorer
——————–
User folders Link to my pictures, videos, documents, etc.

Program Apps Link to C: ProgramData Microsoft Windows
Start Menu Programs (was hidden)
Desktop Link to Desktop

I created a shortcut for the Windows Update but it doesn’t add to the menu. It’s strange because it worked for everything else I tried.

Can you share your shortcut?

I right clicked the control panel icon in the “system and security” to create a shortcut. The shortcut has target “Control Panel System and Security Windows Update”.

i will try to fix this issue in upcoming version 2.0

i just can’t add any of my applications to the menu, except those presets.
im using the latest version of your program in the environment of win8 rtm

hmm
How I can reproduce the issue?
Your Windows 8 is x86 or x64?

Hi. Great program. I have the same issue as ZZZ, in that I created a shortcut to Network Connections and then added it to the editor. It shows in the editor but doesn’t appear in the Win + X Menu. Shortcuts created to ordinary programs works fine, so it must be Control Panel shortcuts it has a problem with.

Is this fixable, or is there a workaround/different method we can use?

this is NOT fixable, but we can use a different method
We can use shell commands for that purposes. I will publish all of them so you can easily create the required shortcut.
Also I will add such option to next version. I think I will do it today or tomorrow.
Right now you can create shortcut using

as shortcut target

ZZZ, for “Control Panel System and Security Windows Update” you can use
explorer.exe shell. <36eef7db-88ad-4e81-ad49-0e313f0c35f8>

Perfect – thanks very much.

The Network and Sharing Center shortcut worked for me, the only that didn’t work was the Windows Update.

I’ll try the shell command. Thx.

Only presets working. Unable to add to menu any .exe that I’ve tried.
They appear on Win+X Menu Editor interface, but never shows on Win+X menu.

Win 8 Pro 64-bit retail here (build 9200).

Kudos for the app, anyways, B’dozer.

Guys, please, if you have issues with this software, tell me more details
Which app you tried to add?
Please specify the full path to exe file.

I have no ideas how I can reproduce the bug without that information.
I will try to fix a bug once I repeat it.

I tried to add Firefox, and MS Office’s Outlook.

As I said, I’m running Win 8 Pro 64-bit retail (build 9200).
So I ran Win+X Menu Editor (64-bit version), clicked on ‘Add Program’ button, navigated to ‘C: Program Files (x86) Mozilla Firefox’, and choose firefox.exe.
When asked “Please enter new name”, I simply put Firefox (with a capital F), and OK.
Firefox showed up at the top of Group 3, then I clicked “Restart Explorer”.

Firefox didn’t appear in Win+X menu. I closed the app, ran it again (as Administrator), repeated the same steps, same result. Again with Outlook (C: Program Files (x86) Microsoft Office Office14 Outlook.exe), with same result.

Interesting, I tried then to add Group 4 and move Firefox to it. When I restarted explorer, The Win+x menu showed up with a division line ABOVE ‘Programs and Features’ (which is the top App for Group 3), but with nothing above that line.
I added presets then, to Group 4 (Notepad and Paint). Restarted explorer and both presets showed up ok on Win+X menu.

Sorry for the english. Regards..

Thanks you very much for this report.
Fixed. Please re-download.
I will do more workarounds for x86 resources in Windows x64 in near future.

Thanks a lot for this very nice piece of software.
The latest version 2.5.0.2 works absolutely perfectly on my Win 8 Pro x64.

add feature to add item+icon at the win-x menu.


12/10/2017

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8 Great, Cheap Summer Vacations #best #travel #store

#cheap trips
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8 Great, Cheap Summer Vacations

Wise Bread Picks

The sky is brighter, the air is warming up, and the layers of clothes are getting peeled off. That can only mean one thing summer is near.

One of the things that I love most about going on vacation is the chance to break out of my everyday routines, eat crappy foods guilt-free, and stay up blissfully late watching as much trashy reality TV as I please. Setting aside daily responsibilities, trying new things, being in a different space, and having care-free fun is refreshing. But while it’d be nice to go to Fiji or another distant tropical paradise, that just isn’t reality for a lot of us.

So what do you do when money is tight, you don’t want to get further into debt, and you really need a vacation? You still take a vacation, but just a frugal one. One that your budget will love. Here are eight frugal summer vacation ideas to get you going. (See also: Best Travel Rewards Credit Cards )

1. The All-American, Almighty Road-Trip Vacation

About ten years ago, my husband was able to travel through thirty different states in the span of a month-and-a-half with a friend in a $400, 1982 Chevy Sprint. It’s an experience he’ll never forget, and while gas prices do get high in the summer, the road trip is still one of the cheapest options for frugal vacations.

Grab a map, pack a large cooler. stop at grocery stores along the way, sing cheesy songs, tell stories you’ve never told before, watch the sun rise and set, and make yourself some memories. (Can be combined with the I Had No Idea There Were Over 400 National Parks vacation below, if you’re feeling adventurous.)

2. The Infamous Staycation Vacation

Set a time frame. If you can only get two to three days off from work (or less), that’s okay!

This is how you do it turn off the phones, put an auto reply on your email, turn off the computer (and really keep it off), don’t check your usual social media feeds, and really allow yourself a break from everyday life and the technology that comes along with it.

Then, go to the grocery store and get sundae supplies: ice cream, candy toppings, hot fudge, caramel, whipped cream, and why not throw in some cherries too? You are on vacation after all! Rent those guilty-pleasure movies you’ve been wanting to see, and settle in for a movie marathon. Those books and magazines that have been stacking up? This is the time to read them! Those museum exhibits you’ve been dying to see but just don’t have the time for? Go check ’em out! Hanging with friends on a patio on a random Tuesday night? Go for it!

The point is to have fun, indulge in some pleasures you normally don’t get to, and get out of your normal routine.

3. The I Had No Idea There Were 58 National Parks Vacation

You can purchase an annual National Parks pass for $80. The pass provides access to 58 National Parks throughout the United States with big-name attractions like the Grand Canyon, Yellowstone, the Everglades, and Yosemite. Once you’re in the parks, you can hike around and obtain a spot to setup a tent for a very low fee.

4. The Survivalist Is This Really Considered a Vacation? Vacation

I know some people like to be non-stop busy on vacation, and then they need a vacation after the vacation. If you’re one of those people, then a backpacking or biking trip might be just right for you. Borrow gear from a knowledgeable friend, talk to your local outdoor pro, and take an adventure along the Pacific Crest Trail. Great Divide Trail. or Appalachian Trail. Just make sure to take all of the necessary precautions and do the necessary training prior to attempting this one.

5. The You Wanna Switch Houses? Vacation

Talk to other families to see if they need a break from their daily life too. Swap houses (or apartments) with each other for the weekend to get a change of scenery. It’s simple and free. (See also: Free Accommodations With Home Exchanges )

6. The Traveling Mooch Vacation

Think about who you know in other cities, and go visit them. See if your friends will let you crash at their place and show you around their town. This vacation can be combined with the next vacation on the list, The Greyhound Bus Adventure Vacation, for added frugality. (See also: 11 Rules to Be an Excellent Houseguest )

7. The Greyhound Bus Adventure Vacation

When I was a college student, I would ride the Greyhound Bus all the time to go and visit my family. It was a rough, cheap ride, and I got to meet a bunch of people I normally wouldn’t get a chance to. (See also: The 5 Best Travel Reward Credit Cards )

8. The You’re Already On Vacation Vacation

Hone your meditation skills to transport yourself to another dimension at any time. Meditating can be used to take a break from everyday life without leaving your house or taking time off from work. Bonus it’s free, and no packing is involved.

Disconnecting, breaking out of the daily ruts, and infusing some extra fun is all it takes to make a vacation a vacation, whether you’re going near or far, and being frugal or not.





07/09/2017

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Colleges in West Palm Beach, Florida (FL) – Universities, Trade #west


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West Palm Beach Colleges and Schools

Known for its stunning skyline and myriad of historic neighborhoods, West Palm Beach is the oldest municipality in the South Florida metropolitan area. The city housed approximately 104,031 inhabitants in 2014 according to U.S. Census estimates, and relies on key industries such as tourism, construction, agriculture, and biosciences.

West Palm Beach residents enjoy some of the east coast’s most beautiful beaches, plus a slew of opportunities for outdoor recreation. The county where West Palm Beach is located, Palm Beach County, has also been referred to as the “Golf Capital of the World,” which helped to solidify the area’s standing as a top destination for nature and sports lovers.

Colleges and Schools in West Palm Beach, Florida

Because it boasts such a large population and draws from equally-populated surrounding areas, West Palm Beach is home to 13 institutions of higher education. While that list includes a few traditional institutions, it also hosts community colleges, beauty schools, and trade schools. Collectively, West Palm Beach colleges and schools enrolled approximately 6,820 students in 2014.

Palm Beach Atlantic University

  • Tuition and fees (2014-15): $26,274
  • Graduation rate (2008): 55%
  • Accredited: Y
  • # of programs: 50 undergraduate and graduate programs

With an enrollment of 3,865 students in 2014, Palm Beach Atlantic University was one of the area’s largest schools. Intimate class room settings with a student-to-faculty ratio of just 13:1 help students learn and grow in a personalized academic setting. Popular degree programs include those in biology, nursing and public relations.

Northwood University – Florida

  • Tuition and fees (2014-15): $23,132
  • Graduation rate (2008): 28%
  • Accredited: Y
  • # of programs: 20 undergraduate, 7 MBA specializations, 1 master’s program

Northwood University of Florida is a small, private institution with a focus on entrepreneurship and holistic learning. Enrollment was made up of 710 students in 2014, and some of their most popular degrees were in business administration, accounting and marketing.

MCI Institute of Technology

  • Tuition and fees (2014-15): $17,000
  • Graduation rate (2011-12): 45%
  • Accredited: Y
  • # of programs: 8 diploma programs

As a two-year, private school, MCI Institute of Technology prepares students for careers in health care, automotive technology and pharmacy technology. Enrollment was made up of 146 students in 2014, and financial aid is available for those who qualify.

Dade Medical College – West Palm Beach

  • Tuition and fees (2014-15): $47,813
  • Graduation rate: not reported
  • Accredited: R
  • # of programs: 9 undergraduate degrees

Dade Medical College of West Palm Beach is a two-year, private school that prepares future nurses, medical assistants, and other health care workers for rewarding careers in Southern Florida. Enrollment was made up of 263 students in 2014.

Academy for Nursing and Health Occupations

  • Tuition and fees (2014-15): $26,113
  • Graduation rate (2011-12): 75%
  • Accredited: Y
  • # of programs: 5 programs

With 424 students in 2014, the Academy for Nursing and Health Occupations offered programs in nursing, medical assisting, and general patient care. With small class sizes and a student-to-faculty ratio of just 12:1, ANHO students prepare for rewarding careers in a variety of health care settings.

Facts for Students of West Palm Beach Colleges and Schools

West Palm Beach Economy

According to the U.S. Census Bureau, inhabitants of West Palm Beach, Florida brought in a median household income of $44,897 in 2013. That’s lower than the median household income for the state, which worked out to $46,956 that year. However, the median housing value in West Palm Beach worked out to just $178,200 in 2013, which is rather affordable for a popular tourist area. Further, in 2013, 52.4 percent of West Palm Beach residents owned their homes.

Demographics in West Palm Beach

With a population of 104,031 in 2014, West Palm Beach is considered a medium-sized city for the state of Florida. Meanwhile, approximately 30.4 percent of area adults held a bachelor’s degree through 2013, and 84.2 percent held a high school diploma or better. As the U.S. Census Bureau notes, 26.2 percent of the city’s population was foreign-born in 2013.

West Palm Beach Fun Facts

Love animals? The Palm Beach Zoo, which is home to 1,400 animals, is located in West Palm Beach. Meanwhile, the area’s bounty of wildlife has made it a hub for eco-tourism.

  1. City of West Palm Beach, http://wpb.org/
  2. College Navigator, National Center for Education Statistics, https://nces.ed.gov/collegenavigator/
  3. State & County QuickFacts, U.S. Census Bureau, West Palm Beach, http://quickfacts.census.gov/qfd/states/12/1276600.html

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25/08/2017

Posted In: NEWS

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8 Money Myths #travel #neck #pillow

#cheap flights hotel and car
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8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





12/08/2017

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8 Cheap July 4 destinations #patagonia #travel

#flight for cheap
#

Independence Day fireworks

July 4 is around the corner! Maybe you’re thinking to yourself, “I’m getting pretty tired of the same, old backyard barbecue routine.” Looking for a place where can you escape to that isn’t terribly overpriced? We’ve got you covered. Here are some great firework destinations for your July 4 celebrations that are fun and easy on your wallet.

1. Imperial Beach, San Diego

Image:  paule858 /iStock/Getty Images Plus

Ah, who doesn’t love the beach during summer? It seriously doesn’t get much better then being steps away from the sand, looking off the patio into a picture perfect view of the Pacific Ocean. This July 4, head to San Diego’s Imperial Beach where you can reserve a beachfront rental for $900 per week — perfect for a family of four or two couples. Not only can you have fun at the beach, but with Coronado just 10 minutes away, you can also enjoy the awe-inspiring fireworks display over Glorietta Bay.

2. Lake Powell

The always-gorgeous Lake Powell is a great spot to spend July 4, and a favorite to many locals and tourists alike. With the beautiful scenery and plenty of things to do, you will definitely have a relaxing and carefree vacation. If water sports are your thing, Lake Powell is an absolute must go. This lake is one of the best places for you, your family and friends to go boating, wakeboarding and tubing. Within close proximity to Phoenix and Vegas, this is a perfect budget-friendly getaway for people who love the outdoors.

3. Las Vegas

Vegas — really? Most definitely! If you want to head to Sin City for the weekend to test your luck, this is your chance to get a sweet deal. Vegas hotels run super affordable specials on July 4 because of the hot temperatures. But who cares about hot weather when you can lounge poolside with a margarita, or bet your luck in an air-conditioned casino. If you want to see some shows and cut loose, Vegas is your place, baby!

4. Lake Tahoe

For a lively lake escape, head to Lake Tahoe for July 4 and celebrate our nation’s independence at “Lights on the Lake,” also known as the largest pyrotechnics show in the West. Over the weekend, Lake Tahoe has unrivaled firework displays on both sides of the lake. However, all the special events will be taking place on the South side. For a cheap place to stay, camp out at the Meeks Bay Resort. You’ll get a great Independence Day vacation with beautiful surroundings and an out of this world fireworks show.

5. Monument Valley

For a Southwest adventure, travel to Monument Valley. This gorgeous and breathtaking park straddles the Arizona/Utah border and is perfect for a hiking getaway. While there, you can revel in the impressive 400- to 1,000-foot sandstone towers and impressive natural formations. If you need a break from the concrete jungle, head to Monument Valley for some peace and quiet. With several camping options, this getaway is budget-friendly and ideal for getting back to nature.

6. Myrtle Beach, South Carolina

If you want a beach getaway on the East coast, Myrtle Beach is just the place! There will be plenty of beach celebrations over the July 4 weekend, giving you ample opportunities to kick back and enjoy the water, the weather and the food.

7. Black Hills, South Dakota

The Black Hills of South Dakota is a fun, family-friendly place to camp this July 4. Not only can you visit the Mount Rushmore National Memorial, you can also enjoy the stunning national park as well. The Palmer Gulch Resort , with its swimming pools, miniature golf and horse rides, is the place to camp if you want to keep your kids busy all day. If you’re searching for the ultimate economical camping trip for the family with sights and activities for everyone, then South Dakota is for you.

8. West Palm Beach, Florida

West Palm Beach is another primo vacation spot for those looking to head to the beach, complete with many affordable hotels. There will also be plenty of July 4 activities, including the Mega Bash II with “America’s Ultimate Journey Tribute Band.” In addition to the festivities, you can lounge on the beach and soak up rays beside the Atlantic Ocean. If you’re looking for cheap relaxation and fun, you better start planning your July 4 vacation now.





12/08/2017

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8 Money Myths #airline #travel #sites

#cheap flight and hotel deals
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





12/08/2017

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WebFOCUS Overview: Business Intelligence for Everyone #webfocus,7,seven,8,eight,business #intelligence,information #delivery,web #reporting,software,tools,self-service,real-time,analytics,olap,decision #support,business


WebFOCUS Platform Capabilities

WebFOCUS is a strategic enterprise business intelligence (BI) and analytics platform that enables any executive, manager, analyst, employee, partner, or customer to execute smarter business from trusted data. The platform itself is packed with cutting-edge capabilities that provide organizations with everything they need to turn data into insight, and insight into impact.

WebFOCUS provides one-stop BI shopping via an integrated portfolio of centralized and decentralized capabilities, including data management, visual discovery, predictive analytics, and operational intelligence in a single platform, coupled with an exceptional user experience.

There are multiple core competencies of WebFOCUS that enable it to be a modern, holistic, and strategic BI and analytics technology. Here is a Top Ten overview:

Pervasiveness. A single, enterprise-grade platform able to deliver a broad range of intelligence and analytics to any type of user, whether through sophisticated authoring, self-service tools for non-technical users, guided and ad hoc InfoApps™. advanced analytics such as predictive. and a variety of user-friendly interactive outputs .

Scalability. Perhaps the most scalable platform architecture in existence, able to deploy highly secure applications to thousands, even millions of users, often outside the corporate firewall.

Governance. Comprehensive governance to enable metadata -driven delivery of trusted information and content, available at the data. analytical, and user levels.

IT Friendliness. A highly IT-friendly platform, providing powerful provisioning and deployment of trusted applications and self-service environments from any combination of data sources .

Operational Capabilities. The ability to extend support beyond management and analysts, by operationalizing intelligence for line-of-business employees where the impact is closest to the business.

Business Friendliness. A highly business-user friendly platform, providing a wealth of functionality to support non-technical users from analytical rookies to data savvy analysts.

Self-service capabilities. The ability to support self-service deployments for far more types of users than other products, offering advanced reporting, collaboration, portals, dashboards, and visual data discovery in a single web-based interface that can be used by tech-savvy business users, non-technical users, and developers alike.

Self-service progression. Consumers become authors, support their own needs, and then operationalize and embed findings to benefit the whole enterprise.

Adoption accelerator. Deliver content, apps, and self-service to all user types, on their terms (e.g. mobile ), with relevant and intuitive analytics based on their skills and needs.

Feature and Function. A comprehensive portfolio of analytical capabilities that enable the authoring, support, and delivery of a wide range of needs:

WebFOCUS Capabilities:

When it comes to information delivery, flexibility is imperative.

To give everyone the power to make better decisions, it makes sense to give the right tool – or the right app – to the right user. Information specialists and developers need easy to use and powerful tools to manage, package, and deliver information to their internal and external users. Information consumers such as executives, managers, and front-line employees – even suppliers and customers – need InfoApps that will give them easy and instant access to the information they need.

Only Information Builders provides one flexible, scalable, and easy-to-use business intelligence and analytics platform that offers the right information delivery approach – for every kind of user.

Here is a sampling of outputs from WebFOCUS:


07/08/2017

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Photo Transfer App #easily #transfer #photos # # #videos #to #


#

Download for iPhone iPad

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Wirelessly Send & Receive Photos Videos between

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Photo Transfer App Easily transfer photos videos to and from Computer and iPhone. iPad. iTouch Android

Transfer photos videos over Wi-Fi Bluetooth,no cables or extra software required. Your photos and videos are transferred directly from device to device using your local Wi-Fi network. They are not stored in an external server and they never leave your local Wi-Fi network keeping your pictures safe !

Photo Transfer App for iPhone iTouch

Transfer from your Computer to your iPhone or iTouch & Vice Versa

Transfer from your iPhone or iTouch to another iPhone, iTouch, iPad or iPad mini

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Cloud Gallery
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Photo Transfer App
Easily transfer photos videos to and from Computer and iPhone. iPad. iTouch Android


02/08/2017

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Our 8 Best Boston Travel Agents #student #travel #deals

#boston travel
#

Angie’s List helps you hire the best – and avoid the rest!

Prevent buyer’s remorse with us

Angie’s Answers

Ooh – BAD timing for travel to Hawaii – and if not booked by now you probably just about have to have a travel agent. Good thing this is just the honeymoon and not the wedding, if you are booking now – so an agent will be even more important to you in this case, though I guess you might get a decent deal with an airline-sponsored package deal for two as well, if any are still available.

My experience – a good travel agent is worth their weight in gold – we give ours a thank-you gift each year. We have one that charges $35 a person fee for all but extensive foreign travel packages (they make most of their money off booking commissions). We use her for all travel except simple mileage-plan-paid there-and-back trips when there is no rental car or motel involved, because when she does the booking she generally saves us about $25-50/day just on rental car and hotel/motel. For instance, on one Disney World trip we were able to take the 4 in the family PLUS our kid’s two best friends for about 5 days there, staying on-property with preferred passes, for the same amount as just the normal two adult cost – a thousand plus in savings. We can go online and see zero mileage or discount seats available for an entire week – yet she is able to get us seats on the day we want in most cases, or at worst one day away, and almost always on mileage even though the airlines themselves say no mileage seats are available – including at high travel periods.

Of course, you need a conscientious one with lots of experience who knows the system ins and outs, and preferably running on the Sabre reservation system because it shows a lot more than competing systems and makes finding alternative booking easier, as I understand it.

Using a travel agency (preferably one with several people working there and 24-hour emergency service) also gives you a firm point of contact to solve any problems or rescheduling – we have had 10 minute rebooking several times when a flight was cancelled – generally before the airline even got around to starting to help passengers get on other flights, and an agent carries a LOT more weight with rental car agencies or hotels or airlines than you do if the reservation is screwed up by them. Oh, and our agent always gets us a free car upgrade too – typically jumped up 2 grades at no extra charge.

Don’t leave it ALL to the agent – give a synopsis of what type of lodging and seating and such you want and things you want to visit, then let him/her come back with a concept plan for approval modification, then to a hold reservation for your approval – typically an agent can put a “hold” on reservations for 24-48 hours for your approval, though that does require you stay on top of your eMail to respond back with OK or not in time to allow cancelling or confirming the reservation within that timeframe.





22/07/2017

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Top 8 Best Airfare Price Predictor Tools and Apps #e #travel

#best prices on flights
#

Top 8 Best Airfare Price Predictor Tools and Apps

Recomended

I f you’re a traveler as I am, you sure know how important it is to know the fair value of your trip, and be able to save money while flying. But it takes a long time to check so many different websites for deals, and then go back to Google and check your favorite airline’s website once again. This is why tools have been created in order to help us make traveling easier. and cheaper.

Some of these tools and applications are meant to showcase the deals that suit your interest, some others are trying to compare prices and show what the cheapest airfares are. While a few years ago it was difficult to find any type of software that could help, now it’s hard to choose which one’s the best. In this piece we re going to tell you a bit more about eight of the most relevant airplane deal comparison apps, so you can choose the flight that suit you.

Skyscanner

My favorite tool is and will probably continue to be Skyscanner , because it’s very good at showing you what airfares are going to look like in the next year. Most of the tools we know tend to only show details regarding the next month or first few months, but only few of them go as far as a year.

In addition to that, is also able to help you decide where you’d like to go. If you still don’t know where you’d like to spend your next holiday, you can simply enter the area or country you’re looking for, and the cheapest flights will be shown. For example, when I was looking for options in the United States, I simply had to add the location I was departing from, and a wide variety of low fares would be shown to me. I could either go to California, Florida, or many other locations.

On the bright side, this tool can help you cut costs by researching indirect routes, either than only direct flights. On the bad side, though, the “flexible” feature that used to be included is not available anymore. This one was helping you by suggestion near-by locations – if you wanted to go to Bonn or Koln in Germany, it would also suggest cheaper versions that took you to Dusseldorf or Dortmund.

Kayak

You’ve probably heard of Kayak before – this one’s a tool that searches through many websites at the same time, in order to come up with the best deals for you. All you have to do is go on the website, enter the details of your trip, and wait for it to do its job.

If you’re not in a hurry, Kayak is also going to show you the best options during the next couple of months. And if you don’t find anything too exciting at the moment, you also have the option of setting an alert. This one will send you an email whenever you want – it can be scheduled to alert you daily, weekly, or only monthly. Whatever option you go for, this will send you the best options for your preferred destination.

StudentUniverse

Because traveling tends to be even more complicated when you’re a student, the StudentUniverse tool is especially dedicated to them. While some other websites simply try to inform you about the best options, this one tells us it actually negotiates prices for you.

By working directly with the main airlines in the world, this tool is able to provide students with deals to choose from. As they say, “we are able to negotiate special fares because airlines can depend on our patented verification technology to make sure that students are the ones benefiting from these reduced fares.” So, long story short, don’t try to trick them into thinking you’re a student if you’re not!

STA Travel

Working in a similar way as the tool before, this one is also dedicated to students. It works with many global airlines in order to negotiate and win some of the most exclusive traveling deals. To be able to take advantage of this website, you don’t only have to be a student, but also under the age of 26.

Thanks to STA Travel students can book their next tickets for traveling, for their internships or volunteering trips they have planned at a reduced price. Plus they are also able to change their departure and arrival after purchasing the tickets, as STA is the only one providing flexible dates.

Momondo

Momondo is a well-known traveling resource that takes a look at over 700 websites before choosing the best fares and deals. The reason why it works so well is that the company designed robots that search for flights just as a human would.

Although a very good tool to use, it has the disadvantage of being specially designed for Europe. This means it can work great if you’re looking for flights to Amsterdam, Rome, Prague or Budapest. However, it’s not going to help you find great deals for going to the United States, APAC or Africa.

Priceline

If you are traveling just for fun, Priceline might be the best option you have. Why is that? Because it requires some flexibility in order to find the best deals – once you’re not stuck with specific dates for your trips, it can help you save up to 50%.

This tool works by choosing off-peak flights for you and using connections. This way, you’re not flying when everyone else is to a typical summer location. At the same time, you may stop in a few places, have an hour to change the plane, or you might as well have a long time to wait, which allows you to visit that location, too.

On the other hand, this website is only going to provide you with the dates of your flights. This means that you will find out when the plane is leaving and when you should take your flight back after you made the purchase.

AirfareWatchDog

The AirfareWatchDog tool was initially created to find the best fares. However, it recently turned into an alerts tool that allows you to enter the details of your ideal trip and sends you the best deals at a later time. You only decide where you want to go and what the latest date is then you start receiving alerts.

They are typically emailed to you every day, a few times a week or only once every week. It is very popular because it covers most airlines and is sure to also include smaller carriers. This way, you can go to places in South Africa or even Asia without having to worry about the price.

FareCompare

Last but not least, one of the most advance airfare price predictor tools available online is Fare Compare . This website compares flights’ prices from over 500 airlines from all over the world and is known to collect information about old and current airfares. This enables them to tell you what the best price is, whether you should wait before you purchase your ticket or not.

Being dedicated to true travelers, it also includes many tips and suggestions, while it comes with a Getaway Map. This one is meant for those of you who haven’t decided where to go yet – it’s an interactive, user-friendly map that shows you where you could go with the budget you have.





14/07/2017

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8 Money Myths #how #to #find #the #cheapest #flights

#cheap flights with car rental
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





09/07/2017

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8 Money Myths #find #a #hotel

#hotel flight deals
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





08/07/2017

Posted In: NEWS

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8 Money Myths #travel #china

#cheap flight and hotel
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





08/07/2017

Posted In: NEWS

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8 Insider Secrets to Booking Cheap Airfare – US News #travel

#cheap airline prices
#

Save big on your next flight with these insider tips.

Travel plans are calling for more belt-tightening than usual these days, making budget vacations extremely desirable. But such trips aren’t possible if you pay too much for airfare. And unless you know where to look, finding affordable flights can be a huge hassle. For the airlines, it’s about getting you to pay the most you’re willing to pay, which is the opposite of what the consumer wants, says Joe Brancatelli, publisher of the travel website JoeSentMe.com. On a single flight, he adds, there can be more than a dozen pricing categories. On a 150-seat plane, there could be 50 different prices, he says.

With summer right around the corner, U.S. News spoke to Brancatelli and other travel industry experts about the best ways to stretch your travel budget. Here are eight insider secrets to booking cheap airfare:

Book six weeks in advance. Passengers pay the lowest price, nearly 6 percent below the average fare, if they buy six weeks before their flight, according to a study by the Airlines Reporting Corporation. After compiling data from every U.S. travel agency over the last four years, it determined that most people booked the cheapest airline tickets 42 days in advance. But the six-week rule isn’t necessarily a surefire strategy for snagging the cheapest fare. This is just a trend, explains Chuck Thackston, ARC’s managing director of data and analytics. Airlines will make valuable deals available all the time. But, on average, we see this 42-day approach works.

Scan for morning deals. Airlines only post a limited number of seats at a reduced fare at night, so Thackston advises snagging seats early. Those tickets may sell out later in the day, he says. The early morning is the time you’ll see most of these deals available, although a few airlines release discounted tickets throughout the day.

Best time to buy: Tuesdays at 3 p.m. Eastern. If you don’t find the discounts you’re looking for in the early morning, a study by Farecompare.com says the best time to buy airline tickets and shop for travel (domestically) is on Tuesday at 3 p.m. Eastern. However, George Hobia, founder of AirfareWatchdog.com, argues that the best deals vary frequently, so there’s not one specific day or time of the week to buy.

Cheapest day to fly: Wednesday. According to a recent Farecompare.com study, the cheapest day to fly is Wednesday for domestic travel. The day with the most seats is likely to have better supply, and thus. more empty seats that require discounting to fill the plane—meaning they have to release more seats at their cheapest price point, according to the website. Other low-cost days to fly are Tuesday and Saturday, says Farecompare (Friday and Sunday are the most expensive days to travel ).

Fly out early. The cheapest flight is typically the first flight of the morning. Yes, that means you have to get up at 4 a.m., says Rick Seaney, chief executive of Farecompare.com. The next-cheapest flight times are during or after lunch or at the dinner hour. Of course, the absolute cheapest time to fly is on those limited routes with red-eyes, he says.

Check low-cost airlines individually. Comparison sites like kayak.com don’t necessarily do all the work for you. Some low-cost airlines, like Southwest in the United States and Ryanair in Europe, don’t allow their tickets to be quoted on popular comparison websites, says Seaney. So be sure to check them separately. And do your homework to make sure the so-called low cost airline doesn’t tack on extra fees that drive up the cost, like a bloated baggage-check charge, which Seaney says is a tactic employed by some of the budget airlines.

Sign up for free alerts on AirfareWatchdog.com. Almost every major online booking site offers airfare alerts that ping you when fare prices fall. AirfareWatchdog.com stands out from the pack by using people to vet deals rather than computer systems. We only send updates when we think we’ve found a good deal, whereas other sites might update you when a flight drops $2, says founder George Hobia.





08/07/2017

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Windows 8 #online #system #backup, #windows #8


Windows 8.1 Tip: Use System Image Backup

When the Windows 8 .1 Preview appeared in June, some upgraders noticed that this new OS version omitted what had previously been a crucial recovery tool: The system image backup that had debuted in Windows 7. But system image backup is indeed available in Windows 8.1. It s just really well hidden.

I wrote about using system image backup with Windows 8 last year in Windows 8 Tip: Use Windows 7 System Image Backup. And if you re interested in how Windows 8.1 changes the recovery story, be sure to check out Hands-On with Windows 8.1: System Recovery. That article has a discussion about the devices-based alternatives to system image backup that are available in this new OS release.

Here, I ll focus on how you access system image backup in Windows 8.1. It s changed since Windows 8, where you could find it by searching for recovery . That tip no longer works in Windows 8.1.

When you think about system image backup, you have to see both sides of the equation. On the one hand, you have the ability to make system image backups. And on the other, you have the ability to do a complete OS restore.

To make a system image backup in Windows 8.1, you must navigate to the File History control panel (and not the main File History interface, which is in the Metro-style PC Settings.) Using Smart Search, be sure to choose the right entry.

In the File History control panel that appears, look in the lower left corner. The option you re looking for is System Image Backup. Click that, and the familiar Create a System Image wizard appears and you re good to go.

To restore an existing system image backup that is, to restore the entire OS install to a previous point in time simply plug-in the external drive that contains the backup. Then, navigate to PC Settings, Update and Recovery, Recovery and click the Restart Now button under Advanced Startup. The PC will restart.

At the Choose an Option screen, choose Troubleshoot.

At Troubleshoot, choose Advanced Options.

At the Advanced Options screen, choose System Image Recovery. The PC will restart.

At the System Image Recovery screen, select your user name and then type your password when prompted.

The Re-Image Your Computer wizard will start. In the first page of this wizard, select the correct system image you wish to restore to. Then click Next and step through the wizard to restore your PC to the selected system image backup.

Is this the ideal tool for backing up and restoring Windows 8.1? No. But for those that wish to continue using this tool, it does still work. And of course it s valuable to have around if you have backups from previous versions of Windows.

I don’t know about the pure and refined ideal, but I’ve got the next best thing.

First, if it’s not automated, it’s not a useful backup. You’ll just stop doing it eventually.

The only automated backup that cover programs and files, can restore to a different PC and doesn’t slow the computer (that I could find) is Zinstall Backup.
And you don’t need to be a guru to use it.

You can read more here:
zinstall.com/backup

Hope this helps!

Paul – Do you know of a powershell script to create a system image backup in 8.1? Since MS took away the scheduling feature a script would allow us to still use the Task Scheduler.

Had a new SFP3 after a warranty exchange due to screen damage. I have followed and stored the system image backup and file history on an ext HD (2T) with no other files on.
Unfortunately when i follow all the steps above, at the Re-image your computer screen, i get the following

“To restore this computer, Windows need to format the drive that Windows Recvoery Environment is currently running on. To continue with the shut down this computer and boot if from a Windows installation disc or a system disc and then try the restore again.”
Can i boot from the ext HD? what are the steps involved?
thanks!

two comments:
1) using the cloud et al sounds great. as long as one has access. This Dell 2:1 has only WIFI, no Ethernet, which has failed. Could be hardware or software. In any event, cloud access does not work. So I followed the script above and made a System Image Backup on 3/9 and another one today.
2) using these System Image Backup Files, can I restore to the 3/9 version and see if the WIFI starts working again (if it relies on software?); then restore the version from today to get all the apps, installs and whatnot restored. If it is hardware, this represents an exercise in frustration of course. Then I read the last comment above and wondered if all this could be lost.


06/07/2017

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Top 8 Best Airfare Price Predictor Tools and Apps #isles #of

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Top 8 Best Airfare Price Predictor Tools and Apps

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I f you’re a traveler as I am, you sure know how important it is to know the fair value of your trip, and be able to save money while flying. But it takes a long time to check so many different websites for deals, and then go back to Google and check your favorite airline’s website once again. This is why tools have been created in order to help us make traveling easier. and cheaper.

Some of these tools and applications are meant to showcase the deals that suit your interest, some others are trying to compare prices and show what the cheapest airfares are. While a few years ago it was difficult to find any type of software that could help, now it’s hard to choose which one’s the best. In this piece we re going to tell you a bit more about eight of the most relevant airplane deal comparison apps, so you can choose the flight that suit you.

Skyscanner

My favorite tool is and will probably continue to be Skyscanner , because it’s very good at showing you what airfares are going to look like in the next year. Most of the tools we know tend to only show details regarding the next month or first few months, but only few of them go as far as a year.

In addition to that, is also able to help you decide where you’d like to go. If you still don’t know where you’d like to spend your next holiday, you can simply enter the area or country you’re looking for, and the cheapest flights will be shown. For example, when I was looking for options in the United States, I simply had to add the location I was departing from, and a wide variety of low fares would be shown to me. I could either go to California, Florida, or many other locations.

On the bright side, this tool can help you cut costs by researching indirect routes, either than only direct flights. On the bad side, though, the “flexible” feature that used to be included is not available anymore. This one was helping you by suggestion near-by locations – if you wanted to go to Bonn or Koln in Germany, it would also suggest cheaper versions that took you to Dusseldorf or Dortmund.

Kayak

You’ve probably heard of Kayak before – this one’s a tool that searches through many websites at the same time, in order to come up with the best deals for you. All you have to do is go on the website, enter the details of your trip, and wait for it to do its job.

If you’re not in a hurry, Kayak is also going to show you the best options during the next couple of months. And if you don’t find anything too exciting at the moment, you also have the option of setting an alert. This one will send you an email whenever you want – it can be scheduled to alert you daily, weekly, or only monthly. Whatever option you go for, this will send you the best options for your preferred destination.

StudentUniverse

Because traveling tends to be even more complicated when you’re a student, the StudentUniverse tool is especially dedicated to them. While some other websites simply try to inform you about the best options, this one tells us it actually negotiates prices for you.

By working directly with the main airlines in the world, this tool is able to provide students with deals to choose from. As they say, “we are able to negotiate special fares because airlines can depend on our patented verification technology to make sure that students are the ones benefiting from these reduced fares.” So, long story short, don’t try to trick them into thinking you’re a student if you’re not!

STA Travel

Working in a similar way as the tool before, this one is also dedicated to students. It works with many global airlines in order to negotiate and win some of the most exclusive traveling deals. To be able to take advantage of this website, you don’t only have to be a student, but also under the age of 26.

Thanks to STA Travel students can book their next tickets for traveling, for their internships or volunteering trips they have planned at a reduced price. Plus they are also able to change their departure and arrival after purchasing the tickets, as STA is the only one providing flexible dates.

Momondo

Momondo is a well-known traveling resource that takes a look at over 700 websites before choosing the best fares and deals. The reason why it works so well is that the company designed robots that search for flights just as a human would.

Although a very good tool to use, it has the disadvantage of being specially designed for Europe. This means it can work great if you’re looking for flights to Amsterdam, Rome, Prague or Budapest. However, it’s not going to help you find great deals for going to the United States, APAC or Africa.

Priceline

If you are traveling just for fun, Priceline might be the best option you have. Why is that? Because it requires some flexibility in order to find the best deals – once you’re not stuck with specific dates for your trips, it can help you save up to 50%.

This tool works by choosing off-peak flights for you and using connections. This way, you’re not flying when everyone else is to a typical summer location. At the same time, you may stop in a few places, have an hour to change the plane, or you might as well have a long time to wait, which allows you to visit that location, too.

On the other hand, this website is only going to provide you with the dates of your flights. This means that you will find out when the plane is leaving and when you should take your flight back after you made the purchase.

AirfareWatchDog

The AirfareWatchDog tool was initially created to find the best fares. However, it recently turned into an alerts tool that allows you to enter the details of your ideal trip and sends you the best deals at a later time. You only decide where you want to go and what the latest date is then you start receiving alerts.

They are typically emailed to you every day, a few times a week or only once every week. It is very popular because it covers most airlines and is sure to also include smaller carriers. This way, you can go to places in South Africa or even Asia without having to worry about the price.

FareCompare

Last but not least, one of the most advance airfare price predictor tools available online is Fare Compare . This website compares flights’ prices from over 500 airlines from all over the world and is known to collect information about old and current airfares. This enables them to tell you what the best price is, whether you should wait before you purchase your ticket or not.

Being dedicated to true travelers, it also includes many tips and suggestions, while it comes with a Getaway Map. This one is meant for those of you who haven’t decided where to go yet – it’s an interactive, user-friendly map that shows you where you could go with the budget you have.





25/05/2017

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8 Cheap July 4 destinations #cheapest #airline #flights

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Independence Day fireworks

July 4 is around the corner! Maybe you’re thinking to yourself, “I’m getting pretty tired of the same, old backyard barbecue routine.” Looking for a place where can you escape to that isn’t terribly overpriced? We’ve got you covered. Here are some great firework destinations for your July 4 celebrations that are fun and easy on your wallet.

1. Imperial Beach, San Diego

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Ah, who doesn’t love the beach during summer? It seriously doesn’t get much better then being steps away from the sand, looking off the patio into a picture perfect view of the Pacific Ocean. This July 4, head to San Diego’s Imperial Beach where you can reserve a beachfront rental for $900 per week — perfect for a family of four or two couples. Not only can you have fun at the beach, but with Coronado just 10 minutes away, you can also enjoy the awe-inspiring fireworks display over Glorietta Bay.

2. Lake Powell

The always-gorgeous Lake Powell is a great spot to spend July 4, and a favorite to many locals and tourists alike. With the beautiful scenery and plenty of things to do, you will definitely have a relaxing and carefree vacation. If water sports are your thing, Lake Powell is an absolute must go. This lake is one of the best places for you, your family and friends to go boating, wakeboarding and tubing. Within close proximity to Phoenix and Vegas, this is a perfect budget-friendly getaway for people who love the outdoors.

3. Las Vegas

Vegas — really? Most definitely! If you want to head to Sin City for the weekend to test your luck, this is your chance to get a sweet deal. Vegas hotels run super affordable specials on July 4 because of the hot temperatures. But who cares about hot weather when you can lounge poolside with a margarita, or bet your luck in an air-conditioned casino. If you want to see some shows and cut loose, Vegas is your place, baby!

4. Lake Tahoe

For a lively lake escape, head to Lake Tahoe for July 4 and celebrate our nation’s independence at “Lights on the Lake,” also known as the largest pyrotechnics show in the West. Over the weekend, Lake Tahoe has unrivaled firework displays on both sides of the lake. However, all the special events will be taking place on the South side. For a cheap place to stay, camp out at the Meeks Bay Resort. You’ll get a great Independence Day vacation with beautiful surroundings and an out of this world fireworks show.

5. Monument Valley

For a Southwest adventure, travel to Monument Valley. This gorgeous and breathtaking park straddles the Arizona/Utah border and is perfect for a hiking getaway. While there, you can revel in the impressive 400- to 1,000-foot sandstone towers and impressive natural formations. If you need a break from the concrete jungle, head to Monument Valley for some peace and quiet. With several camping options, this getaway is budget-friendly and ideal for getting back to nature.

6. Myrtle Beach, South Carolina

If you want a beach getaway on the East coast, Myrtle Beach is just the place! There will be plenty of beach celebrations over the July 4 weekend, giving you ample opportunities to kick back and enjoy the water, the weather and the food.

7. Black Hills, South Dakota

The Black Hills of South Dakota is a fun, family-friendly place to camp this July 4. Not only can you visit the Mount Rushmore National Memorial, you can also enjoy the stunning national park as well. The Palmer Gulch Resort , with its swimming pools, miniature golf and horse rides, is the place to camp if you want to keep your kids busy all day. If you’re searching for the ultimate economical camping trip for the family with sights and activities for everyone, then South Dakota is for you.

8. West Palm Beach, Florida

West Palm Beach is another primo vacation spot for those looking to head to the beach, complete with many affordable hotels. There will also be plenty of July 4 activities, including the Mega Bash II with “America’s Ultimate Journey Tribute Band.” In addition to the festivities, you can lounge on the beach and soak up rays beside the Atlantic Ocean. If you’re looking for cheap relaxation and fun, you better start planning your July 4 vacation now.





18/05/2017

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8 Money Myths #hotel #travel #deals

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8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





18/05/2017

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8 Great, Cheap Summer Vacations #weather #travel

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8 Great, Cheap Summer Vacations

Wise Bread Picks

The sky is brighter, the air is warming up, and the layers of clothes are getting peeled off. That can only mean one thing summer is near.

One of the things that I love most about going on vacation is the chance to break out of my everyday routines, eat crappy foods guilt-free, and stay up blissfully late watching as much trashy reality TV as I please. Setting aside daily responsibilities, trying new things, being in a different space, and having care-free fun is refreshing. But while it’d be nice to go to Fiji or another distant tropical paradise, that just isn’t reality for a lot of us.

So what do you do when money is tight, you don’t want to get further into debt, and you really need a vacation? You still take a vacation, but just a frugal one. One that your budget will love. Here are eight frugal summer vacation ideas to get you going. (See also: Best Travel Rewards Credit Cards )

1. The All-American, Almighty Road-Trip Vacation

About ten years ago, my husband was able to travel through thirty different states in the span of a month-and-a-half with a friend in a $400, 1982 Chevy Sprint. It’s an experience he’ll never forget, and while gas prices do get high in the summer, the road trip is still one of the cheapest options for frugal vacations.

Grab a map, pack a large cooler. stop at grocery stores along the way, sing cheesy songs, tell stories you’ve never told before, watch the sun rise and set, and make yourself some memories. (Can be combined with the I Had No Idea There Were Over 400 National Parks vacation below, if you’re feeling adventurous.)

2. The Infamous Staycation Vacation

Set a time frame. If you can only get two to three days off from work (or less), that’s okay!

This is how you do it turn off the phones, put an auto reply on your email, turn off the computer (and really keep it off), don’t check your usual social media feeds, and really allow yourself a break from everyday life and the technology that comes along with it.

Then, go to the grocery store and get sundae supplies: ice cream, candy toppings, hot fudge, caramel, whipped cream, and why not throw in some cherries too? You are on vacation after all! Rent those guilty-pleasure movies you’ve been wanting to see, and settle in for a movie marathon. Those books and magazines that have been stacking up? This is the time to read them! Those museum exhibits you’ve been dying to see but just don’t have the time for? Go check ’em out! Hanging with friends on a patio on a random Tuesday night? Go for it!

The point is to have fun, indulge in some pleasures you normally don’t get to, and get out of your normal routine.

3. The I Had No Idea There Were 58 National Parks Vacation

You can purchase an annual National Parks pass for $80. The pass provides access to 58 National Parks throughout the United States with big-name attractions like the Grand Canyon, Yellowstone, the Everglades, and Yosemite. Once you’re in the parks, you can hike around and obtain a spot to setup a tent for a very low fee.

4. The Survivalist Is This Really Considered a Vacation? Vacation

I know some people like to be non-stop busy on vacation, and then they need a vacation after the vacation. If you’re one of those people, then a backpacking or biking trip might be just right for you. Borrow gear from a knowledgeable friend, talk to your local outdoor pro, and take an adventure along the Pacific Crest Trail. Great Divide Trail. or Appalachian Trail. Just make sure to take all of the necessary precautions and do the necessary training prior to attempting this one.

5. The You Wanna Switch Houses? Vacation

Talk to other families to see if they need a break from their daily life too. Swap houses (or apartments) with each other for the weekend to get a change of scenery. It’s simple and free. (See also: Free Accommodations With Home Exchanges )

6. The Traveling Mooch Vacation

Think about who you know in other cities, and go visit them. See if your friends will let you crash at their place and show you around their town. This vacation can be combined with the next vacation on the list, The Greyhound Bus Adventure Vacation, for added frugality. (See also: 11 Rules to Be an Excellent Houseguest )

7. The Greyhound Bus Adventure Vacation

When I was a college student, I would ride the Greyhound Bus all the time to go and visit my family. It was a rough, cheap ride, and I got to meet a bunch of people I normally wouldn’t get a chance to. (See also: The 5 Best Travel Reward Credit Cards )

8. The You’re Already On Vacation Vacation

Hone your meditation skills to transport yourself to another dimension at any time. Meditating can be used to take a break from everyday life without leaving your house or taking time off from work. Bonus it’s free, and no packing is involved.

Disconnecting, breaking out of the daily ruts, and infusing some extra fun is all it takes to make a vacation a vacation, whether you’re going near or far, and being frugal or not.





29/04/2017

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Top 8 iOS – Android Apps to Find Cheap Flight Tickets

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Top 8 iOS Android Apps to Find Cheap Flight Tickets

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N owadays, the number of people that travel by plane is increasing year by year and so is the usage share of smartphones. Travelers rely more and more on their smartphones or tablets to help them with their daily tasks. In the past, we ve featured mobile apps that you can use to track your flight s status or even make the most of your time while you are waiting in airports .

This time, we re going to talk about iOS and Android apps that you can use to find cheap flight tickets that are essential to planning your travel carefully. You can also have a look at our guide on how you can plan your travels from your Android tablet and you might also try out Wanderio, a bold new start-up that promises to offer you the cheapest and most complete way to travel, end to end. But now, let s see what are some reliable apps for iPhones, iPads and Android devices that one could use to find cheap airline tickets.

Find cheap flight tickets from Android

Besides helping you find cheap aiplane tickets from the comfort of your Android smartphone or tablet, Hipmunk will also save up to 60% off hotels with new Tonight Deals option. The app is very fast and it s a little different than all the other cheap flight apps because it sorts flights by agony , not only price. Thus, you will see important factors like flight duration and number of layovers, which we all know how annoying can get.

CheapOair Flights and Car is another Android app that you can rely on to find cheap airplane tickets. Inside the app, you can sort results by price, travel time or number of stops and even purchase travel insurance and travel assist. Checking your flight bookings is a breeze with this tool. Also, you can save recent searches to make future bookings much easier. Besides finding cheap flights, the app can also search and book Rental Cars and will even provide you with 24/7. You will get instant discounts on your flights if you choose to share the pp with friends.

Google owns the ITA Software company that has developed OnTheFly. so this is another reason to rely on it. The app comes with an advanced way to find the lowest airfares for any place that you want to visit in this world. Multi-city itinerary search, intuitive travel date calendar, fine-grained control over all search parameters and full disclosure of exact airfare calculation are the features that make this app stand out from the crowd.

TripAdvisor needs no introduction and is probably the most known travel app. While it s not dedicated for airfare purposes, it does come with an option that lets you scan for the cheapest airflight tickets. Besides help you find the lowest airfare, you can rely on TripAdvisor to help you find the best hotels, great restaurants, and other fun things to do in the new place that you re about to discover.

Find cheap flight tickets from iPhone, iPad

One of the best cheap airfare apps to be used on your iPhone or iPad, Skyscanner has more than 20 million customers that are pleased with its performance. Recently refreshed for iOS 7, the app will let you compare millions of flights and 1000 airlines in seconds to find the cheapest and most convenient one. Specific features for the app are the chart view that lets you see prices across a week or a month

One of the best flight search engines, Bravofly Flights app for iPhone and iPad saves you the hassle of comparing flight prices on various other websites. Besides this, you can also find and check the status of your flight so you will be constantly updated. You can books flights for up to 9 people and complete the purchase on the Bravofly website.

Momondo for iOS is one of the best looking apps for finding cheap flights, with a nice and responsive user interface. The databases of more than 700 travel sites and airlines are available at your fingertips. What s neat is that you book flights directly from the app, without having to log out. You can also choose to email the flight info to yourself or a friend, or save it in the app.

easyJet is the second-largest low-cost carrier in Europe, behind Ryanair, but its app is among the best ones to be used. Inside the app, you can book flights, check-in and download mobile boarding passes, choose seats, manage books, add more options to your flights such as tracking them.





16/04/2017

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8 Invaluable Tricks to Get Cheap Flight Tickets #solo #travel

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I love great deals, especially if they are for flight tickets. Just imagine being able to travel to your destinations at the lowest possible cost. But, a bargain flight ticket is difficult to score.

They seem to be very elusive, and usually, even if we think we already have a bargain, we realize that we do not because a much cheaper offer comes later on.

Over the years, however, I learned to be more observant, practical, and strategic with my flight ticket approaches. They became some of my techniques in looking for cheap flights. If you want to get them at a bargain—you surely want to—take note of these tips:

1. Do not go for business or first class

Even if I am doing business I do not fly on business or first class. Your business partners would not know that you are flying on economy anyway. If you do not like to look so haggard for your meeting, just give yourself at least a day or 6 hours after the plane has landed to sleep for a bit and freshen up. After all, these two types of seats are the most expensive. Even if they drop in prices, they are still significantly higher than economy seats.

2. Buy tickets early

How early should it be? Book your tickets at least 4 to 6 months before your actual flight. Though it is good to purchase your flights as early as one year, you do not really know if the prices will drop some more before the year ends. Besides, spontaneous traveling rarely works. You need to plan very well everything: accommodation, activities, the people who are going with you.

3. Travel light

Your cheap flight ticket becomes completely useless if you are bringing plenty of checked-in luggage. They can cost a lot, and it is not impossible to spend close to a hundred dollars for them. Unless you are staying there for a month, it is always recommended you just bring along the things that are truly necessary. Moreover, there is a good chance the accommodation you are staying has a laundry service or you can easily find one in your destination. The service these days is incredibly fast, so you will have clean and even pressed clothing in no time.

Just make sure, however, you can follow the guidelines of the airlines. They have their own definition of carry-on luggage. Know the weight and the dimension of the carry-on you have to bring.

4. Fly during the week

Majority of the weekday airline tickets are usually affordable, since not a lot of people fly during these times. A lot do during the weekends for their out-of-town trips. They do not have work to think about for two days or even more, especially if there is a holiday. The best time is definitely from Monday to Wednesday. Avoid getting Friday tickets as much as possible.

5. Use comparison websites

Comparison websites can save you a lot of headache when trying to compare flight tickets across airlines. What’s more, many of them are comprehensive enough you can already set your destination and even your preferred time for traveling.

Kayak is my favorite and so it Hot Wire. There are plenty of other comparison websites out there as well. They earn their living by providing us cheaper tickets by searching all possible tickets fares available.

6. Avoid connecting flights as much as possible

As much as possible, search for direct flights. Connecting flights are normally hefty because you sort of paying for another destination. Further, you can’t help but spend more money while you’re waiting for your next flight. You pay for short tours, food, books, and, if your flight is on the next day, accommodation.

It s amazing how true this is, being very much frugal I saw myself buying something or the other from the airport shops at stop over airports. A chocolate, memento, show polish, a magazine or simple a coffee.

7. Wait for sales

Airlines aren’t really greedy. There are times when their tickets are incredibly low because they are on sale. However, know that these sales end very fast. It’s not impossible in a matter of hours, all cheap tickets are already sold. So how do you make sure you don’t miss them?

Subscribe to their e-mail alerts! Add yourself to their mailing list, so you’ll be one of the first people to know about their sale. Even if they say they’re selling tickets from this to that period, don’t dilly-dally. The truth is it’s when supplies last. Besides, not all seats are sold in incredibly cheap prices. Otherwise, the airlines will suffer from a terrible financial loss every time they fly.

8. Travel in group

When I travel, I seldom count on travel agencies, save for when I’m going with more people. A lot of them would give me great discounts. Added to that, we can all divide the total cost of traveling among ourselves. It’s not impossible for me to spend less than a thousand dollars. Most of all, I get to spend amazing experiences with the people that matter to me a lot.

It’s hard to catch the ultimate lowest ticket price, but if you are simply going to remember these rules, you can still end up paying way less than the others.





07/04/2017

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8 Tools to Help You Travel Forever and Live Rent Free

#travel for cheap
#

8 Tools to Help You Travel Forever and Live Rent Free

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So you ve decided to do it. You have a friend or family member who can store your belongings for an undetermined period of time, you ve tied up loose ends, and your bags are packed. It s time to start traveling long term!

But now what? You have a few family members and distant friends who have offered up a couch if you re in their neck of the woods, but surely they won t appreciate your arrival on their doorstep with no planned departure date in sight.

How then, do you travel long term and not run out of money? Hotels are expensive over time, and finding rental accommodation in every city you visit is impractical. Heck — you don’t even want to pay rent at all! Hostels are a great option as they are much cheaper and it’s a great place to meet others on the road.

Here are eight handy resources to help you get started on your long term travel adventure:

Caretaker s Gazette

By joining this service (annual membership is approximately US$30), you will gain access to a classified system of people looking for caretakers in exchange for rent-free living. The opportunities vary widely in scope from ranch hands, to organic farm workers, campground hosting, motel management, nursing for the elderly, to just plain house sitting. Locales for your next potential gig could be anywhere in the world, from numerous U.S. locations, to Australia, to Europe and even Micronesia.

Some are paying opportunities, while others are simply work-trade arrangements for accommodation. Others yet will supply an additional stipend depending on your experience and the work entailed.

This is what TIME Magazine had to say about the Caretaker s Gazette.

Woofing

WWOOF is an acronym for a number of different phrases, the most apt of which in my mind is World Wide Opportunities on Organic Farms . It is an international organization (located in over 70 countries) of organic farms, gardens, businesses, ranches, (you name it) where you can exchange your services for accommodations, food, and training.

Required services include basic garden and farm maintenance, as well as cooking, teaching, caring for children, and handy work. There is usually some work suitable for anybody willing to adopt this lifestyle.

Whilst surfing Wwoofing opportunities, you will likely also find links to volunteer organizations, and other similar work exchange opportunities. It s a great way to gain valuable experience, friendships, and to cover your living expenses in a constructive manner.

Most countries require a subscription to gain access to their full listings and contact information of the hosts, and the subscription prices vary from area to area but are not over-priced for the value received.

House Carers

If you are happy to spend your vacation house-sitting for somebody else, you may find the right opportunity here. You will find lists upon lists of people requesting house sitters for periods of time from a few days to a few months, anywhere in the world. In many cases there are a few hoops to jump through in order to gain the opportunity with liability and bonding issues, and already living or traveling in the same country carries an added advantage.

You can choose from the limited free membership options or the full US$45 one year membership, depending on your needs.

Organic Volunteers

Much like Caretaker s Gazette and woofing, you will find many worldwide opportunities to proverbially pick blueberries for a living . The prospects aren t limited to organic farms though; you will find hostel management jobs, artist retreat internships, in addition to various agricultural and permaculture settings.

For US$20/year, membership will help you gain access to many great listings and a user-friendly system of contacting hosts and searching for opportunities.

Couch Surfing

Couch Surfers are a network of people who are willing to open up their homes and hearts to frugal travelers, as well as be those travelers when they are not hosting guests. The site prides itself on referrals and having only high quality members, and has a comprehensive program in place to ensure the safety of both traveler and host. But as with any chance to stay at a stranger’s place for free, a prudent amount of caution should be exercised.

Global Freeloaders

Similar to Couch Surfing, Global Freeloaders is a cultural exchange program for hosts and travelers. Registration is free, but members are required to be able to host as well as travel, so unless you expect to be able to offer up your digs as a host within six months of signing up, you are politely requested to wait.

Servas

This is the original Couch Surfers and Global Freeloaders. Servas (meaning serve in Esperanto), is a non-profit non-denominational non-ethnic organization of good-will and cultural exchanges. It s been around for at least 50 years, and is recognized by the United Nations. In addition to being a network to connect people and places, volunteers around the world work in relief camps and advocate for peace through various projects.

Hosts offer their homes and dinner tables for two nights (or more, at the discretion of the host) to travelers who contact them and who meet with their approval. Travelers must go through an exhaustive process which includes an in-person interview before being accepted to the program, as a way of screening for quality candidates.

Once travelers are interviewed and accepted into the program, they are given printed lists or booklets of the hosts in their destination country (Servas is moving towards an online platform, but is not there yet). There are also membership fees which vary from country to country.

Hospitality Club

Free to join and internet-based, it appears to be the Servas of the online world. It is kept safe through a series of passport checks and online feedback systems with checks and balances.

These are just a few opportunities in the world of long-term travel, as you will discover with a little research. I don t vouch for any of the services or programs, and a healthy amount of caution should always be exercised when accepting hospitality from strangers. However I think Servas says it best when they say: We are all friends. We just haven t met yet!





07/04/2017

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8 Cheap July 4 destinations #travel #golf #bags

#flight for cheap
#

Independence Day fireworks

July 4 is around the corner! Maybe you’re thinking to yourself, “I’m getting pretty tired of the same, old backyard barbecue routine.” Looking for a place where can you escape to that isn’t terribly overpriced? We’ve got you covered. Here are some great firework destinations for your July 4 celebrations that are fun and easy on your wallet.

1. Imperial Beach, San Diego

Image:  paule858 /iStock/Getty Images Plus

Ah, who doesn’t love the beach during summer? It seriously doesn’t get much better then being steps away from the sand, looking off the patio into a picture perfect view of the Pacific Ocean. This July 4, head to San Diego’s Imperial Beach where you can reserve a beachfront rental for $900 per week — perfect for a family of four or two couples. Not only can you have fun at the beach, but with Coronado just 10 minutes away, you can also enjoy the awe-inspiring fireworks display over Glorietta Bay.

2. Lake Powell

The always-gorgeous Lake Powell is a great spot to spend July 4, and a favorite to many locals and tourists alike. With the beautiful scenery and plenty of things to do, you will definitely have a relaxing and carefree vacation. If water sports are your thing, Lake Powell is an absolute must go. This lake is one of the best places for you, your family and friends to go boating, wakeboarding and tubing. Within close proximity to Phoenix and Vegas, this is a perfect budget-friendly getaway for people who love the outdoors.

3. Las Vegas

Vegas — really? Most definitely! If you want to head to Sin City for the weekend to test your luck, this is your chance to get a sweet deal. Vegas hotels run super affordable specials on July 4 because of the hot temperatures. But who cares about hot weather when you can lounge poolside with a margarita, or bet your luck in an air-conditioned casino. If you want to see some shows and cut loose, Vegas is your place, baby!

4. Lake Tahoe

For a lively lake escape, head to Lake Tahoe for July 4 and celebrate our nation’s independence at “Lights on the Lake,” also known as the largest pyrotechnics show in the West. Over the weekend, Lake Tahoe has unrivaled firework displays on both sides of the lake. However, all the special events will be taking place on the South side. For a cheap place to stay, camp out at the Meeks Bay Resort. You’ll get a great Independence Day vacation with beautiful surroundings and an out of this world fireworks show.

5. Monument Valley

For a Southwest adventure, travel to Monument Valley. This gorgeous and breathtaking park straddles the Arizona/Utah border and is perfect for a hiking getaway. While there, you can revel in the impressive 400- to 1,000-foot sandstone towers and impressive natural formations. If you need a break from the concrete jungle, head to Monument Valley for some peace and quiet. With several camping options, this getaway is budget-friendly and ideal for getting back to nature.

6. Myrtle Beach, South Carolina

If you want a beach getaway on the East coast, Myrtle Beach is just the place! There will be plenty of beach celebrations over the July 4 weekend, giving you ample opportunities to kick back and enjoy the water, the weather and the food.

7. Black Hills, South Dakota

The Black Hills of South Dakota is a fun, family-friendly place to camp this July 4. Not only can you visit the Mount Rushmore National Memorial, you can also enjoy the stunning national park as well. The Palmer Gulch Resort , with its swimming pools, miniature golf and horse rides, is the place to camp if you want to keep your kids busy all day. If you’re searching for the ultimate economical camping trip for the family with sights and activities for everyone, then South Dakota is for you.

8. West Palm Beach, Florida

West Palm Beach is another primo vacation spot for those looking to head to the beach, complete with many affordable hotels. There will also be plenty of July 4 activities, including the Mega Bash II with “America’s Ultimate Journey Tribute Band.” In addition to the festivities, you can lounge on the beach and soak up rays beside the Atlantic Ocean. If you’re looking for cheap relaxation and fun, you better start planning your July 4 vacation now.





07/04/2017

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8 Money Myths #student #travel #deals

#cheap flight and hotel
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





07/04/2017

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8 Money Myths #jetline #travel

#cheap airfare and hotel
#

8 Money Myths

8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

1. Change money is scarce to money is abundant and support a courageous relationship to money.

2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

7. Change money is a menace to money is a solution and create a positive relationship to money.

8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





06/04/2017

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Travel Advice: 8 Best Places to Book Travel Tours #bing #travel

#best places to travel
#

8 Places Where You Shouldn’t Travel Alone

The words “group travel” can conjure up visions of busloads of tourists roaring past sites, checking off a strict itinerary. But not all group tours are created equal. More importantly, there are some places where you’d be at a distinct disadvantage without a guide. Each of the destinations on our list comes with its own charm—and it’s own set of challenges. In these places a guide can help with everything from navigating a complicated bureaucracy to sidestepping common scams to getting your point across in a foreign language. For each place we’ve identified here, we also recommend a tour, and most of them offer free time and some customization. Some of the tours save you money, others cost a little bit extra, but all of them include airport transfers, entrance fees, and a few meals—not to mention a hefty dose of protection against anxiety. Yes, it is possible to go all of these places on your own, but it’s a lot smarter to go with a group.

SEE WHY THESE PLACES ARE WORTH THE TRIP!

Russia

Back before the fall of the USSR, Americans traveling to Russia had to book through Intourist and stay at state-run hotels. Restrictions have become less and less limiting over the past two decades, but bureaucracy and red tape are still huge obstacles for a trip to Russia. You still need an “invitation” from a hotel or tour company to even apply for a visa, and it’s not unheard of for travelers to be sent back home—or even stuck in Russia—because of “problems” with their paperwork. Corruption continues to be an issue, with guidebooks still warning travelers about being stopped to show “papers,” a legitimate question that could be veiled as an intimidating request for a bribe. It is advised that all travelers have a local contact to navigate the confusion, and tour operators have trusted contacts with local knowledge.

Sample tour. Travel to Russia isn’t cheap—and neither are the tours. SmarTours 10-night Cruise of the Czars package includes airfare from New York, time in St. Petersburg and Moscow (including tours of the Hermitage and Red Square), and a cruise down the Volga River. smartours.com. From $2,799 per person until Dec.19, 2012 when the price rises to from $3,199.

China

This is a trip that you’ll likely only do once in a lifetime—do you really want to spend your whole vacation worrying about how to get from point A to point B? The language barrier is large making everything from dining in restaurants to navigating the sites frustrating. Now add to that the fact that China’s most appealing attractions, such as Xi’an and the famous terra cotta warriors, are spread out between the interior and the long east coast. Unfortunately, travelers also must contend with scams geared towards foreigners, including counterfeit currency being switched in by everyone from street vendors to cab drivers. Having a trusted local guide can help you avoid being taken advantage of—and keep you pointed in the right direction.

Sample tour. ChinaSpree’s 10-night Middle Kingdom tour starts in Beijing and ends in Shanghai, with stops in Xi’an, Hangzhou, and Suzhou, including air from San Francisco, all flights, and transfers within the country. chinaspree.com. From $2,799 per person.

Galapagos

This bucket-list destination is filled with some of nature’s most inspiring creatures. Did you know, for example, that the islands are home to nearly 60 species of birds, half of which are native to the Galapagos? Or that it’s home to around 20,000 giant tortoises, including subspecies that are critically extinct (sadly, the most famous tortoise, Lonesome George, died earlier this year)? It’s facts like these that make the Galapagos so extraordinary and unless you’re an expert yourself, the islands are best appreciated with naturalist guides who can identify the species and tell you the stories behind them. You’ll want experienced guides to help you navigate the region too, which is comprised of 13 main islands, some with special habitats, reserves, and research centers. The best tours employ experts who will take you on hikes, boat rides, and even flights to see the region’s signature creatures such as the blue-footed boobies.

Sample tour. Spend time in Quito before flying to the main island of San Cristobal with Friendly Planet’s Galapagos Islands Wildlife Discovery. Once you are in the Galapagos you will take guided walks with a naturalist guide, go on a snorkeling tour, and visit the home of the giant tortoises. friendlyplanet.com. From $3,299 per person including airfare between Miami and Quito.





02/04/2017

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