Stick With Your Local Home Improvement Retailer

When it comes to practical home improvement projects there is no better place to visit than your local home improvement retailer. There is no better time than now to get started on that new home improvement project. This article will help you create some good ideas using your local home improvement retailer.The best value you can add to your home is by fixing up your kitchen or bathrooms. These tow rooms are probably the most used rooms in the entire home. You may think that your living room is important, and it is, but the living room relies much more on the electronics you place in it to improve the quality of the room.When you visit your local home improvement retailer they can often provide some wonderful advice on how to make inexpensive improvements to your bathroom or kitchen. You can even find some great deals at your larger home improvement retailer stores.The best times to watch for killer deals at the home improvement retailer will be at the end of each season. When winter is ending and spring is just around the corner they will often reduce prices considerably on items that would be easier to liquidate rather than restock and have to go through the inventory process.The next best time to buy from your home improvement retailer would be at the end of summer. You could possibly get some great ideas for future projects by checking out the stock they want to rid themselves of at this time of season. You must remember supply and demand. You should plan your home improvement projects well in advance with this knowledge. Buy your items when the season is out, and then do the repairs or improvements later.You should try to support your smaller locally owned home improvement retailer whenever possible. Sometimes it is just impossible for them to compete with the big store prices on many items. However, the friendly helpful advice they can offer my far exceed the price you pay if it makes a considerable improvement to your homes value and lifestyle.

Skin Care: How To Keep Your Skin Healthy And Glowing


Skin care for all ages Health Guide by Dr Prem Jagyasi

Introduction

Our skin is the largest organ in our body, and it is constantly exposed to external factors such as pollution, UV radiation, and harsh weather conditions. Therefore, it is important to take care of our skin to keep it healthy and glowing. In this article, we will discuss the basics of skin care and provide tips on how to maintain healthy skin.

Types of Skin

Dry Skin

Dry skin is characterized by rough, scaly, or flaky patches on the skin. It is caused by a lack of moisture and can lead to itching and irritation. To take care of dry skin, it is important to use a moisturizer that contains hydrating ingredients such as glycerin or hyaluronic acid. It is also important to avoid hot showers and baths, as hot water can further dry out the skin.

Oily Skin

Oily skin is characterized by shiny, greasy-looking skin, and is caused by overactive sebaceous glands. To take care of oily skin, it is important to use a gentle cleanser that does not strip the skin of its natural oils. It is also important to avoid using heavy moisturizers and to use products that contain salicylic acid or benzoyl peroxide to control excess oil.

Combination Skin

Combination skin is characterized by having both dry and oily areas on the face. It is important to use products that are specifically designed for combination skin, such as a gentle cleanser and a lightweight moisturizer.

Sensitive Skin

Sensitive skin is characterized by redness, itching, and irritation. It is important to use products that are hypoallergenic and free from fragrances and harsh chemicals. It is also important to avoid using hot water and to pat the skin dry instead of rubbing it.

Basic Skin Care Routine

A basic skin care routine consists of three steps: cleansing, toning, and moisturizing. It is important to follow this routine twice a day, in the morning and at night.

Cleansing

Cleansing is the first step in any skin care routine. It involves removing dirt, oil, and makeup from the skin. It is important to use a gentle cleanser that does not strip the skin of its natural oils. It is also important to avoid using hot water, as it can further dry out the skin.

Toning

Toning is the second step in a skin care routine. It involves using a toner to remove any remaining dirt and oil from the skin. It is important to choose a toner that is appropriate for your skin type.

Moisturizing

Moisturizing is the final step in a skin care routine. It involves applying a moisturizer to the skin to keep it hydrated and soft. It is important to choose a moisturizer that is appropriate for your skin type.

Additional Skin Care Tips

Here are some additional tips to keep your skin healthy and glowing:

Protect Your Skin from the Sun

UV radiation from the sun can cause damage to the skin and lead to premature aging. It is important to use a sunscreen with at least SPF 30 every day, even on cloudy days.

Eat a Healthy Diet

A healthy diet can help keep your skin looking its best. Eat plenty of fruits and vegetables, and avoid processed foods and sugary drinks.

Stay Hydrated

Drinking plenty of water can help keep your skin hydrated and healthy. Aim to drink at least 8 glasses of water a day.

Get Enough Sleep

Lack of sleep can lead to a dull complexion and dark circles under the eyes. Aim to get at least 7-8 hours of sleep each night.

Conclusion

Taking care of your skin is important for both your health and your appearance. By following a basic skin care routine and incorporating these tips into your daily life, you can keep your skin healthy and glowing.

Weight Loss Calculator: Surefire Way To Win The Fat Loss Wars

Is a weight loss calculator really a vital tool to help you lose fat and achieve it quickly?There are a variety of opinions about losing weight because there are many people on diets – and many people offering them guidance and advice about how to do it right.But much of it is misinformation and myth. It’s hard to know what’s true and what isn’t, especially as pseudo-science and half-truths are bandied about everywhere. People struggling to lose weight often are suckers for a remarkable (even if exaggerated) story about burning off excess pounds.No wonder magic pills and rigorous diets are viewed with awe and admiration as nearly miraculous cures for their weight problem. Plans and programs designed to help you lose weight are promoted as breakthrough solutions that can transform your life. And a weight loss calculator is often built up into such a tool.Fads and fantasies rapidly gain a following. Whether it’s a low carb diet or no carb diet plan, there are hordes of advocates singing its praises and urging others to go on the diet to lose weight.Most of these fads are short-lived excitements that have little to do with achieving or maintaining weight loss.But that doesn’t mean it’s impossible to dream of a better figure, a leaner body, or a healthier metabolism. You can lose weight and do it in a healthy, safe and sustained manner by understanding some essential principles. This includes using a weight loss calculator intelligently.None of this is complex or complicated, though some people try to make it harder than it really has to be. It boils down to counting calories and making sure that you eat less of them than your body burns for energy. A weight loss calculator can help compute the total calories you eat, which is what makes it desirable as an aid to your fat loss journey.You can use a weight loss calculator to do many things like

craft and plan meal plans for your diet

monitor your weight along the path

know how much energy your body consumes
A weight loss calculator will let you know

the calorie content of your daily intake

the correct proportion in which you should include fat, protein and carbs
If you think this is quite complex, you’ll be surprised to discover it really isn’t so tough. Don’t give up yet. When you use a weight loss calculator to measure the calorie count that’s ideal for you, all you’ll have to do is plan your meals to stay below this level in order to lose weight.In summary, this is how things will look.Your body’s total energy expense (TEE) depends on the amount of energy it takes to keep you alive and maintain your bodily functions (the basal metabolic rate or BMR), and the energy needs to cover all your daily activities.When you eat fewer calories than your total energy expenditure, you cannot help but lose weight. And this is where your weight loss calculator is so helpful, as it gives you the magic number that’s your calorie threshold.Simply enter a few details into the weight loss calculator and at the press of a button it will tell you how many calories your body will consume daily. This number is based on a complex formula that factors in your age, body weight, type of activity and more features. Armed with this number, you can eat fewer calories and be guaranteed weight loss.

What Will Tennessee Health Insurance Do With Health Care Reform?

A study by Blue Cross Blue Shield of Tennessee takes an in-depth assessment of the possible effects that national health care reform could mean for Tennessee residents. The study estimates that 683,000 Tennesseans will get new Tennessee health insurance coverage under health care reform. It also focuses on possible changes in access to medical care, as well as the shift from employer-provided TN health insurance to the state exchange.Dr. Steven Coulter, president of the Tennessee Health Institute, conducted the study entitled “National Health Care Reform: The Impact On Tennessee.” According to Coulter, the study explores how the expansion of Medicaid and the establishment of the TN health insurance exchange in 2014 will affect the residents of Tennessee.Coulter says that since the advent of Medicare in 1965, the Patient Protect and Affordable Care Act has been the largest expansion of entitlement programs. “With the expected increase in consumers eligible for Medicaid expansion coverage and an estimated 1.5 million qualifying for subsidies in 2014, there is a great deal that needs to be addressed to ensure a smooth transaction,” he says. Coutler also noted that people who already have access to health care might have to wait longer when more people can afford to see a doctor unless there are basic changes to the health care system.What’s Happening With The Shortage Of Doctors In Tennessee?Long before health care reform, an appalling shortage of doctors was noted in Tennessee, and the situation has improved dramatically in some counties. On October 26, 2011, The Jackson Sun reported that the situation had improved in rural West Tennessee. Specifically, the doctor-patient ratio in Hardeman County went from one doctor per 4,675 people to one doctor per 2,229 people from 1992 to 1999. Chester County saw similar improvement with the ratio of one doctor per to 6,409 people falling to one doctor per 2,505 people.What’s Happening to Tennessee Health Insurance Prices?Coulter also notes the possibility that young adults will have to pay more for Tennessee health insurance by 2014. That’s because health care reform tends to level the playing field, so to speak. Groups, like the long living, have been paying high premiums, while young people have been paying low premiums. To average out the price of TN health coverage for all residents, some will likely end up paying more, but those who have been paying high rates, will get a break.Who Stands To Gain The Most From Health Care Reform?Overall, the people with the greatest economical disadvantages stand to benefit most as access to health care is extended to more state citizens. People who have been barred from getting TN health care coverage based on medical conditions will also get greater access to health care when they can finally get coverage.Employers are also expected to have financial gains when they can encourage employees to get Tennessee health insurance through the exchange because not providing coverage will improve the company’s bottom line.Will Everyone Directly Benefit From Health Care Reform?It remains to be seen whether people who currently have TN health insurance will have longer wait times for health care, with more doctors and clinics coming to the state. For example, a federally-funded clinic opened in Hardeman county in 1993 and in Hardin county in 1995. In East Jackson, West Tennessee Healthcare opened a clinic in 1996, and federally-funded clinics have been operating in Fayette and Lake County since the 1970s.Tennessee health insurance companies will have to navigate new price regulations and could see their profit margins decreasing over time. Insurers selling individual TN health insurance plans are already required to spend 80 percent of the premiums they take in to pay for policyholders’ care. That reduces the amount of premiums they have been permitted to keep as profit. Group plans have been managing regulations that require they spend 85 percent of premiums for policyholders’ care, though.

Strategies to Transform From a Trainer to a Workforce Educator

Corporate training has tremendous potential to promote learning in organizations. There are two primary elements that are responsible for how much potential is realized within the corporate training classroom, and those elements are the materials provided and the method of delivery. An instructional designer, or someone in a similar role, can develop engaging materials but if the delivery is not well executed, the training will not be as effective as it could. In contrast, if the training materials have not been designed in the most engaging manner, or the material is technical in nature, it is the trainer who can still create positive classroom conditions that are conducive to learning.There are two types of trainers that can be found within organizations that choose to invest in learning and development. The first is a trainer who adequately delivers the required training materials and meets the minimum requirements for their role. The other type is a trainer who has evolved into someone who has a much greater impact on the learning process within a training classroom, a trainer who has transformed into a workforce educator. While it may seem that both are performing the same function, and to some degree they are because they work with the same materials, one disseminates information and the other brings the class to life and connects the information to participants in a meaningful manner. Becoming a workforce educator does not happen automatically and requires making a conscious decision as a trainer to improve upon existing skills, acquire additional knowledge, and develop new instructional strategies.The Work of a Corporate TrainerIn general, a corporate trainer will view training from an outcome-based, task-oriented perspective. Participants are required to attend assigned classes and their willing compliance is expected. The role of a trainer involves preparing to instruct participants for what they are expected to learn or complete by the end of the class, whether it involves acquiring new knowledge or developing new skills. They also understand that the primary responsibilities for their role include providing materials, giving instructions, showing processes and procedures, and answering questions. A trainer knows that the learning objectives or outcomes, whether or not they have been directly involved in developing them, determine what must be accomplished and the final results at the end of the class are somewhat within their control since they demand involvement but they cannot force participants to learn.Of course there are certainly exceptions to this general rule and there are trainers who have taken workshops and classes to advance their knowledge of corporate training methodologies and processes; however, someone who holds a task-centered view of learning still fits within the typical definition of a corporate trainer. Professional development is available through a variety of resources, which includes professional associations devoted to this field. However, professional development requires more than a membership to an organization or group, it must also involve a genuine interest in the growth of the trainer’s own skills. It is easy to believe that if classroom observations and/or performance reviews are adequate, and students respond in a mostly favorable manner to the training instruction, that no further learning and development is needed. That belief only sustains a trainer’s current role and mindset, which can limit their future potential.Corporate trainers may also be called facilitators or instructors. The words instructor and trainer are generally thought to have the same meaning and they are used interchangeably. Some organizations refer to their trainers as facilitators as it suggests that a trainer is guiding the class rather than leading the process of learning. While that is certainly possible, taking this type of approach still requires advanced instructional experience and strategies, which would change the role of the trainer beyond someone who delivers materials and expects that participants will comply with their instructions. Unless a trainer has acquired advanced knowledge of adult learning and pursued their own professional development, what they are usually most skilled at is the art of corporate training.What it Means to Be a Workforce EducatorThe word facilitator is really not enough to adequately describe a trainer who has transformed from someone who delivers information to someone who educates. A corporate classroom is still going to be instructor-driven, given the nature of how most training occurs, which means the instructor is going to do something more than facilitate a process. Unless students are given the materials in advance, allowed to prepare for discussions before the class begins, and given an opportunity to demonstrate what they have learned through written projects, a trainer is going to do more than guide the participants – they are still going to lead and direct the class. However, what can change the process of corporate training is a trainer who has purposefully transformed and become a workforce educator.An educator is someone who has developed a different view of how employees as participants are involved in the learning process. In addition, an educator understands that learning begins within the mind of the participants, not with the materials they need to deliver. They are not going to just give participants information that must be assimilated – they understand the basic process of adult learning and through knowing some of the most important adult education principles they will help students learn, apply, and retain new knowledge. A workforce educator will develop instructional strategies that are learner or employee focused, and they will partner with the instructional designer or person who is involved in curriculum development to make certain that all learning activities support the participants’ overall progress and development.There is another important distinction made between a corporate trainer and a workforce educator. A corporate trainer believes they know enough and are well-equipped to train employees. In contrast, an educator is someone who is focused on their own professional self-development. Regardless of whether a trainer was hired because of their experience rather than their academic accomplishments, they possess a genuine interest in learning how to educate adults. They continue to learn from classes and workshops they attend, they read materials and resources that further the development of their own knowledge base, and they use self-reflection after each class to assess the effectiveness of their instructional strategies. It is possible to be a natural educator without having an advanced degree in adult education because what matters most is the pursuit of some form of ongoing professional development, along with a willingness to continue to learn and adapt for the benefit of the employees as students.Strategies to Transform from a Trainer to an EducatorThe most important characteristics needed to make the transformation from trainer to educator is a mindset that is focused on teaching rather than telling participants what they need to learn, along with an attitude of ongoing development and a willingness to learn. An educator is someone who views themselves as a lifelong learner, even if they have not acquired advanced education. There are many resources available now for educators, especially online, which will anyone to acquire the knowledge necessary to improve their craft. But if someone believes they have already learned enough or know enough about learning, that thinking is going to cause them to get stuck and their developmental capacity becomes limited over time.Once a trainer has decided they want acquire additional knowledge about adult learning, they can begin to conduct research and read about some of the most important adult education theories. This is going to serve as a pivotal turning point in an educator’s career, becoming well-informed about the process of learning as an adult. One theory that can inform the work of an educator is andragogy, which is about the process of teaching adults who already have experience and knowledge that shapes how they are involved as students or participants. Additional topics and theories that are important to research include cognition, learning styles, critical thinking, transformative learning, student motivation and engagement, multiple intelligences, constructivism, academic skills and academic preparedness, and self-directed learning. There are numerous online websites and blogs devoted to adult education, along with articles about adult learning that can be found online or in print through an online library database.Ongoing professional development can continue by connecting with other professionals, and LinkedIn is a helpful place to begin searching as there are numerous groups and associations that can be found through this professional networking website resource. As a member of a LinkedIn group it is possible to become involved in discussions and share resources with like-minded professionals who have similar interests in adult learning. Another helpful social networking website that can be used for sharing resources with educators worldwide is Twitter. Your ability to connect with the right audience will depend upon the manner in which you establish your profile and indicate what your professional interests are. The purpose of being involved in ongoing research and connecting with other educators is to inform your work and help you develop instructional strategies that are effective in creating conditions in the classroom where learning can occur. The more you transform and improve your instructional style, the better outcomes your students are likely to experience as a result of attending your corporate training classes.Corporate Training is Necessary, Workforce Education is DevelopmentalCorporate training will always be necessary for any organization that needs to provide skill set training or relevant job-related knowledge. There are many individuals who have made a successful career from their work as a trainer, skillfully delivering information in a manner that reduces employee resistance to the training process. Those same individuals may believe that they offer the best possible classroom experience and no further training is required, and they may well be correct. However, everyone who is involved in corporate training has an ability to become more than a trainer, regardless of whether they provide technical training, soft skills training, or other developmental forms of training. Workforce education changes the perspective of a trainer and focuses on the potential of every employee. An educator can help employees obtain the maximum possible benefit from the training classes, while helping them transfer what was learned in the class to their job. This brings out the best in the trainers and the participants as employees, as both experience the transformative nature of learning and being fully engaged in the process. The result of a trainer becoming a workforce educator is that they will likely be more effective in their role, which means that employees (as participants) will gain more from the learning process while improving their retention of knowledge and engagement at work.

Finance Jobs – Q and A About Finance Jobs

Planning to get into the finance industry? Well there is a lot you will want to know about the much hyped industry before you actually join in. It is indeed one of the most popular career choices today and finance careers are indeed looked upon as golden careers. Finance jobs today pay the best salaries in the job industry and you should stop worrying about the recession coz it is almost over. The finance industry has almost completely recovered from the recession and is back to making a steady progress. Fresh investment is flowing in and finance seems to be thriving like the good old times.There are many avenues to finance jobs today. Government finance jobs promise you job security and are still a popular preference for many. In fact there are many government institutions which have a good intake for finance jobs. Except for government banks and financial institutions almost every government office does need a finance department.Now if you are really ambitious and have huge set goals for the future the private sector is where you must concentrate. It’s not that one cannot develop in a government organization but there are many limitations to this growth which are absent in the private sector. There is a huge requirement for corporate finance jobs owing to the big scale corporatization of the business industry. Be it multinational companies or small local companies almost every organization is heading towards corporatization which again is a great advantage for finance aspirants.Now how to begin a career in finance? The first thing you need is a strong educational background. Make sure you do your academics well and score the best of grades coz these are the only things which will help you in the initial years in finance. You firstly need to graduate from a reputed college for which you will need excellent high school grades. If you are still in high school this is the right time. Start getting serious about your education today itself.After this you will need to get into one of the best finance internships available. Internships are one of the best ways to learn more about the finance industry. On the job training at an internship will groom the finance professional in you. You will also get a chance to interact with some of the big guns in the finance industry this way. It helps with developing a network in your industry which is very essential to grow high. This network not only helps you with job opportunities in finance but also ensures that your work moves on smoothly no matter where you are.After the internship you should get into an entry level finance job. It is very essential that you give your 100% in these jobs as the competition is humongous and to leave an impression you have to prove your worth. Do not dream of reaching the skies in a day rather work to achieve your ambitions in a slow and steady way.

The Effect of Digital Photography on Wedding Photography

Digital photography, a fairly recent invention, has had major ramifications in all aspects of photography, not least wedding photography. The term wedding photography, by the way, refers to the photographic activity that takes place before, during and right after wedding ceremonies. Such photography is considered an integral part of the wedding ceremony; very much like the white gown, the procession and the wedding cake. A modern wedding ceremony without photography would be considered incomplete, just as a modern (western-style) wedding would be considered incomplete without a cake for the groom and his bride to ‘cut.’Now one effect that digital photography has had on wedding photography is that there is no longer much panic when the hired photographer does not show up. The Y generation may not really understand this, but just a few decades ago (before the advent of the digital camera), photography was a very specialized art/science: like medicine or engineering. Only the specialists could do it. Not everyone could be a photographer. So if on a wedding day the hired photographer failed to show up, panic was sure to set in. It was not unheard of weddings even being postponed on that account only; for how could the couple say they were wedded when there was no photographic evidence for the fact?Thanks to digital photography, everybody is now a photographer. Even many modern phones come with digital cameras. So if the hired photographer fails to show up, that is his loss. Someone will take their digital camera (or their phone), and start recording the event for posterity. No need for panic whatsoever.Indeed, cash-constrained couples are opting not to hire a photographer for their weddings. Rather, one of the friends in attendance, who has the sense to use a digital camera well is assigned the task of clicking at the most crucial moments. Better still, two different friends are assigned the task, so that in case one doesn’t get it right the other one surely will.Talking of ‘getting it right,’ the second effect of digital photography on wedding photography is that it has reduced the incidences where wedding photographs got ‘burned’ (overexposed) or otherwise messed up. The precursor to digital photography, which was film-based photography used to be open to so many complications. In other words, so many things could go wrong. Not so with digital photography. But should something go wrong still, there is always a chance that someone else clicked away at the event in question (seeing that everyone is a photographer now), so that the damage is minimal anyway.The third effect of digital photography on wedding photography is that it has made it less expensive. The photographer using the digital photograph really only has to care about running out of charge on his camera. Nothing else gets ‘consumed’ and the whole thing is extremely cheap. Now compare this with traditional photography – where there was always the cost of the film to contend with (or at least the risk of running out of film where the cost was not an issue) – and you see just how much of an improvement digital photography is.

Best 10 Small Business Ideas Of 2020

Do you feel bored with your regular nine to five job and looking for starting a business? Are you looking for starting an extra earning source? Or, do you want to start a small business in full swing eyeing to make it your career?The idea of starting a business can be exciting and all it requires is time, effort, money, and a fresh idea. We can definitely help you with the ‘idea’ part.Let’s get started with 10 small business ideas of 2020 that can get you started.Cooking/Baking: This doesn’t need a huge capital. If you already have the skills, you are good to go. Make a slow start. If necessary, work from home. Select your preferred arena such as Braising, Stewing, Steaming, Baking, Roasting, Grilling, etc. Start with 2/3 items and start delivering. Everyone likes a nicely cooked home meal. Advertise within your known area and let your cooking do the rest.Tutoring: This is probably the most known source of earning, though most of us don’t try to take this on another level. Tutoring is not limited to teaching academics. It can be a huge business opportunity with these extra steps:- Know how to play a musical instrument? Teach your dexterity.- Can make small yet handy crafts? Teach your techniques.- Good at editing or designing? Teach your skills.- Able to sing, dance, art, cook, or anything as such? Teach your expertise.- Confident in applying your makeup just right? People always asking, how are your attire always so perfect? Teach your mastery.- Know how to click the perfect picture? Teach your knowledge.To summarize, find out what you know because there is a huge number of potential students out there searching for your service. Remember, learning will never go out of fashion.Babysitting: Bet you have spent a fair share of time taking care of your baby nephew and nieces. Now is the time to use that experience. Watch the kids when their working parents are too busy to do so. Make your family and friends your brand ambassador in this case.Interior Designer: Have a fascination with a beautifully organized home? Then start learning of course! Online courses about the basic interior are not very hard to find. After gathering enough knowledge start doing small projects, take pictures, make a portfolio, and open a website or online page or hand out flyers if needed. The want of virtual assistants is huge in rate.Break the norm saying, Interior Designers are only for the riches. Provide your service in all possible ranges and see your business booming. Due to growing demand, you may count interior design as one of the best among 10 small business ideas of 2020.Customized Jewelry: Have a thing for jewelry? In that case, this business is for you. The opportunity in this field is huge with its growth projected at 5-6% per year. From golden to wooden, no jewelry will ever be old-fashioned. This is perfect for a small capital side business. Due to the rising popularity of customized jewelry among fashioned seeker women, this can be considered as one of the best among 10 small business ideas of 2020.Develop an app: There are apps for anything and everything these days. From finding all your essential files to finding a good night’s sleep, there is an app to the rescue. Coding skills or no coding skills, learning how to develop an app will only bring you potential business opportunities. Start with some marketing research and you are off to a great start.Translator: Now will be the time to put your language skills in use.Employment of translators is projected to grow 19 percent from 2018 to 2028 which is much faster than the average for all occupations. If you know more than one 2nd languages then you’re in luck and in great demand.Create your channel: A YouTube channel can earn around $3 to $5 per 1000 views. A successful YouTuber can earn millions by a single video. If you are up for it, this can be your only earning source as well. Hence this idea can be considered as demanding ideas among 10 small business ideas of 2020.If you have a passion for travel, standup comedy, music, dance, animation, teaching, creating, or anything of such sort, start sharing with the world.Learn about YouTube guidelines and know your tools. A decent location and a good camera can increase your chances of income.Ghostwriting: All ‘BoJack Horseman’ fans know about Diane and how she was a successful ghostwriter. She was never out of work and nor will you be if you have a passion for writing. A ghostwriter may not get credit for their work but it’s a lot of money.Many started as a normal ghostwriter and ended up having an influential career out of it. Averagely, an adept ghostwriter can net $20,000 per project and over $50,000 if the client is a celebrity. Beginners on average earn around $5,000 depending on the topic and length of any text.Freelance Content Writing: Content writing is undoubtedly one of the best among 10 small business ideas of 2020. In this age of digital marketing, content writers have their fair share of demands. If you have skill in formulating a well-structured story or article, this startup is for you.One can write content for a variety of things like Web content, Blogging, Social media, ad and sales copy, Expert, or industry writing, Journalistic/news writing, Creative writing, etc. An experienced content writer can earn up to $1000 to $5000 a month.If you already made up your mind to start a small business, that’s great! Don’t make a delay, pick up one from 10 small business ideas of 2020 above, and get prepared for a jump in the big space of business!

The Best Mutual Funds Vs. Best Investment Strategy for 2014 and Beyond

Millions of Americans own mutual funds and see them as their best investment options. Consider this question: would you rather own the best funds or have the best investment strategy for managing your funds in 2014 and beyond? With history as my guide, I offer an opinion here, as well as a plan you might want to consider.Within a 10-year period (2000 to 2009) investors experienced two bear (down) markets where stocks lost 50% or more of their value while bonds did just fine. Both times stocks recovered, and by 2014 were again at all time highs. Bonds were the best investment options and the funds that invest in them were the best funds in both bear markets. Even the best funds in the diversified stock department left their investors little to cheer about in that 10-year period of time. The best investment strategy since early 2009: be heavily invested in diversified stock funds. Who could have known they would be the best investment options available to average every-day people?The truth is that NO ONE knew this, and in 2014 it would be extremely risky to assume this was still the best investment strategy. The last two major bull (up) markets before this current one (2009 to 2014) were followed by the above bear (down) markets. In each case even the best funds in the diversified stock arena took big losses, and often the best funds in an up stock market are the worst to hold in a down market.The previous bull market lasted about 5 years, and as of early 2014 this last one was 5 years old. Maybe it’s time to start looking for the best investment strategy for three different reasons. First, the bull market in stocks is 5 years old and stocks are not selling cheap. Second, even the best stock funds will be losers in a bad market. Third, with interest rates rising, bond funds are not relatively safe or dependable anymore. For 30 years (until recently) they were the average investor’s best funds and were among the best investment options out there. Problem: if interest rates continue to rise, bond funds will lose money. That’s the way bond funds work.Sometimes the best investment strategy is to be aggressive in stocks, if you have the stomach for it. For most of us with long term goals, the risk that goes with that strategy far outweighs the prospects for higher returns. After all, if you take a 50% loss in a bad market, you then need to earn 100% (double your money) just to cover your losses. In the bond funds area, the vast majority of conservative investors still hold on to the belief that they are the best funds and that the best investment strategy is to just hold on and everything will be just fine.If history tells us anything, it makes two things in the investment world crystal clear. One: you will never find the best investment or the best funds on a consistent basis. And two: the best investment strategy is to never put yourself into a position where you are open to heavy losses that are difficult to overcome. So, it’s time to make a plan and put together the best strategy in case stock funds and/or bond funds stumble in 2014 and beyond.Virtually all mutual fund families offer a safe investment option called a money market fund. Reallocate your portfolio so that you are invested equally in a money market, stock, and bond fund. Then set it up so that an equal amount of money flows from the money market fund to the two others each month. The monthly amount should be such that in two to three years the money market fund will be down to almost nothing. Example: $90,000 portfolio, starting with $30,000 in each fund and $1000 flowing monthly from money market fund… $500 to stock fund and $500 to bond fund. In about 30 months the money market fund will be about depleted.Even if you don’t hold the best funds, this could be the best investment strategy for the middle-of-the-road investor who wants to basically be invested about half in stocks and half in bonds ultimately. You will be less exposed to stocks and bonds over the next couple of years; hence your potential for big losses is diminished in the event the markets turn ugly. If stocks and/or bonds fall you will be picking up more and more shares as fund prices fall. This is called dollar cost averaging and is a time-tested investment strategy. If fund prices don’t fall during this time period you’ll earn a respectable return, with peace of mind, because you lowered your level of risk. At that point consider going through the same process again.Remember that bull markets are always followed by bear markets sooner or later. Bear markets are generally shorter in duration but they can be brutal. Don’t be overly concerned with finding the best funds for 2014 and beyond. Focus on having the best investment strategy. This way you can stay invested without the fear of taking big losses in stocks or bonds if things turn sour.In the best funds vs. the best investment strategy for 2014 and beyond debate, I suggest you focus on strategy. Unfortunately, most investors ignore investment strategy. That’s why most average investors have not done well for the past dozen or so years.

Spa And Wellness: A Guide To Relaxation And Rejuvenation


SPA and wellness

The Importance of Self-Care

Life can be stressful and overwhelming, which is why it’s important to take time for yourself and prioritize self-care. Spa and wellness activities are a great way to unwind and rejuvenate while also improving your physical and mental health.

The Benefits of Spa and Wellness

There are numerous benefits to participating in spa and wellness activities, including:

  • Reduced stress and anxiety
  • Improved sleep patterns
  • Relief from aches and pains
  • Boosted immune system
  • Increased mental clarity and focus

Types of Spa and Wellness Activities

Spa and wellness activities can take many forms, including:

  • Massage therapy
  • Facials and skincare treatments
  • Yoga and meditation classes
  • Acupuncture and holistic medicine
  • Salt therapy and aromatherapy

Choosing the Right Spa and Wellness Experience

When choosing a spa or wellness experience, it’s important to consider your individual needs and preferences. Factors to consider may include:

  • Budget
  • Location and accessibility
  • Type of treatment or activity
  • Reviews and recommendations
  • Atmosphere and ambiance

Preparing for Your Spa and Wellness Experience

Before your spa or wellness experience, it’s important to take some time to prepare yourself mentally and physically. This may include:

  • Hydrating and eating a healthy meal
  • Dressing comfortably
  • Arriving early to check in and relax
  • Talking to your therapist or practitioner about any concerns or preferences

Conclusion

Spa and wellness activities are a great way to prioritize self-care and improve your overall health and well-being. Whether you prefer massage therapy or yoga classes, there are many options available to help you relax and rejuvenate. By taking the time to choose the right experience and prepare properly, you can maximize the benefits of your spa and wellness activities.