Trying to save a struggling business can be a very draining process. This is especially true if you know your a have proven product and a market for it but just can’t seem to catch a break. Employing the services of a financial planner might prove the kiss of life that your business needs.
One of the most common reasons for a business to struggle is lack of a roadmap or a plan and this is especially true if there is no financial planning in place. With no financial plan, revenues seem too infrequent, bills come too often, cash flow is limited, and the business seems to be in constant state of playing catch up.
It is tragic when any business fails but it is especially so, when a viable business with a great product goes to the wall, not because they have no customers, but because their finances are in disarray. It could be so much different with a financial planner in place, to assess, advise on and structure the business’s finances in such a way that rather than struggling, the business thrives.
So, what can a financial planner do for your struggling business?
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My Fenced in World
When I bought my new house in a nice little community, I discovered what life was like with a wooden privacy fence…and the maintenance that comes with it.
My little backyard with its hardy trees and pretty flowerbeds was great for me and the butterflies that visited. But mowing the grass? Not really. But it’s nice being in my own little world that is what you get with having a privacy fence.
Why have a fence?
Well, if you speak to Eline Fencing Perth, they will tell you that the most practical reason is that it marks out the perimeter of your property. Your fence can also make your yard feel like an extension of your home. It’s provides a safe place for the kids and the dog to play, and when you have an event like a BBQ, you can show off your landscaping and gardening skills.
When deciding on a fence, the first thing to consider is the reason you want one installed. Once you have found the reason, the next question is: How much are you wanting to spend on it? Costs vary, depending on the area that needs enclosing, and the materials on which you have decided. The beauty about fencing is the wide variety of materials and what best fits your budget, lifestyle and property.
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If moving is stressful for humans, think just how hard it might be on other things that live in your home. There is a lot to think about and plan when you are relocating to a new home. How much time it will take to pack, the cost, the removalist you hire, and how it will affect the rest of the family and pets.
Difficult Items to Move
Your home has been you treasure chest for possibly years, and some of the items that you have accumulated will include some that are difficult to move. If you don’t plan properly, these items can sneak in under your guard and be forgotten until the last moment…moving day.
Some of the things you need to consider when planning to move these items are:
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Most brides think about their wedding dress before making any decisions on what the bridesmaid’s will wear. But when you get to this question, don’t forget to think about the morning of the wedding day. If you can provide bridesmaid robes from somewhere like allthingsnice.com.au for them to wear, it will certainly be a help for them to change into their outfits without damaging their hairstyles or makeup.
In addition, any before photos will look really wonderful if all the bridesmaids are wearing such robes, rather than their pj’s or jeans and shirt. Of course, the bridesmaid’s outfits should in some way reflect the choice of wedding dress so that the overall look becomes cohesive rather than piecemeal.
To do this, bridesmaids dresses can be styled in a similar way to the wedding gown, but they could be short frocks instead of long. Or they could have one feature on them the same as the wedding dress. For instance, if the wedding dress had a ruffled frill around the neckline, then the bridesmaids frocks could have that same feature, even if the skirts were different.
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Winter is the time to relish a warm pie of some kind for dessert. Peach, apple, blueberry – or gramma! Gramma pie is an old-fashioned recipe that some people may never have heard of. Like many of the old-style recipes, it has been superseded by newer trends in cooking. However, if you’ve never tasted gramma pie you are in for a treat.
There are different types of gramma available in most supermarkets and restaurant. Often you’ll see the big round one that looks something like a pumpkin only it is lighter in colour and sometimes has paler splotches of colour on the skin. You can easily make a gramma pie out of this, but if you can get the trombone gramma it is even better. This gramma is shaped after its namesake, with a long neck that sometimes curls around a bit. On smaller grammas, the neck remains straight.
If you’ve ever tried to cut a whole pumpkin, you might think cutting up a gramma would be hard work. It’s not; the gramma skin and flesh is very soft compared to pumpkin. You can even cut it with a short vegetable knife, though a long one is fine too. If you buy a whole gramma, cut off the neck and start with that. It will usually be enough for one pie, because there are no seeds in the neck; it is all solid flesh.
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Providing breakfast in the garden is a unique way to make your B&B more user friendly. Outside furniture in a nook amongst the garden greenery is an ideal place to serve breakfast on a warm summer day.
Many people start up a bed & breakfast accommodation business when they have a nice home with plenty of spare bedrooms. They get a website designed to show off their property. The smart ones will then get some SEO done on their website to get it ranking high on Google when potential guests search for accommodation online.
People often prefer to stay at a B&B because they can talk to the local person and get more personalised knowledge of the area they are passing through. They can often find out about hidden treasures that are not on any tourist map or advertised widely enough for everyone to know about them.
Some people arrive at such accommodation late in the evening, often after the evening meal eaten elsewhere and they go early in the morning after a quick breakfast. Others like to linger a little longer to enjoy the scenery or a chat with their hostess. If you have a B&B business, you can make your guests’ stay more enjoyable by adding an outdoor setting to the garden for them to sit and relax, or even have their breakfast at.
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Ok so you have worked hard all year at the web design studio and it’s time for a holiday – but what do you do on the holiday? Well, there are many things to entertain and amuse you while on holidays and it can be fun to cram in all the activities you can – especially if you have kids.
Many people love to swim and surf, but there are also other things to see and do and it would be a shame to visit another country without seeing at least some of the sights. Before you go on your trip, Google the area to see what it is famous for. Just like Bali is famous for its beaches, luxury villas, beautiful beachside hotels etc. Schedule all those things that interest you into your trip so you don’t miss them.
So what can you do? Here are some tips to make the most of your holidays.
- Visit museums, art galleries, theatres, and wildlife parks/zoos.
- Take a tour to visit natural sites such as waterfalls, cliffs, geysers, rivers and other beauty spots.
- Ride on a tram, a helicopter, an elephant, an emu, a horse and buggy or go in a hot-air balloon. See all the city offers.
- On the beach you can sunbake, but also swim, ride a jet ski or go in a jet boat with others, go on a ferry or boat tour, snorkel to see the fish or coral.
- If you are young, strong and adventurous you may want to try some of those way-out activities such as dune surfing, wind surfing, abseiling, caving or climbing.
- Go shopping, but don’t get ripped off. And remember you have to carry it home or pay freight to have it sent.
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Why wait for a special celebration or meal to enjoy a glass of wine? You can have wine with fast food such as pizza and the kind you choose will depend on what topping your pizza has. For instance, because it has a savoury flavour, Chianti is ideal to drink with pizza that has a salty meat such as prosciutto or even a peppery green topping – or combination of both.
A rule of thumb
If you are not sure which wines to pair with what foods, a good rule of thumb is to choose a delicate flavoured wine with the kind of meal that is delicately flavoured, otherwise the wine will overpower the meal. If you have a meal with a robust flavour, then you can choose a strongly flavoured wine to go with it, knowing that the two will hold their own and one will not overpower the other.
However, while similar flavours attract, there is also an attraction with opposing flavours. But it is best to keep the food flavours simple when you want to serve wine with your meal. Otherwise, a complex tasting meal will overshadow even the finest wine. In this case, use a cheaper wine and save the best for a meal it will truly complement.
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People often think that moving out of their home to another location is the biggest hassle ever, what with all the packing and arrangements that have to be made. But when they go through the move they realise that moving into a new home is almost as bad as moving out of the old one.
One of the reasons for this is that there is no time limit. When moving out you set a day and have to work towards getting everything done by then. But once you have moved in you tend to relax and put off unpacking – and that means you live in a mess for weeks, not knowing where vital belongings got to and tripping over half-unpacked boxes. Here are 3 ways to make moving in easier
The best way to label moving boxes
Label the boxes with numbers or letters, then write the exact contents of each into a writing pad or exercise book. Or you can just write something like, “Contents of laundry cupboard” or whatever. It is best not to describe in detail what is in each box on the carton itself. For a start, it’s hard to see when the cartons are stored together, and it becomes easier for potential burglars to pick out which ones to steal.
Keeping essentials together by room
Another way to make unpacking easier is to write the room on each box and get your professional home removalists to take the boxes into the rooms they belong to. That way, everything you need will at least be in the right room and your back will not ache so much when you don’t have to drag boxes around. Read More …
You may only think of Botox as a cosmetic treatment for wrinkles. While it certainly is used for that purpose, it is also used to treat certain medical conditions, giving people a great deal of relief from conditions that are debilitating or embarrassing. For instance, those with incontinence can be helped by having Botox injections in the bladder. This causes it to relax and increases storage so you don’t have to keep running to the toilet.
Other non cosmetic uses for Botox
Other conditions that can be helped by Botox injections are cerebral palsy, multiple sclerosis, teeth grinding, chronic migraines and excessive sweating. In most cases the treatment needs to be ongoing since Botox only lasts for some months. It actually lasts longer than that for sweating treatment, with the effects often lasting for 6-12 months and for bladder problems up to 12 months.
Happily, the treatment is not too painful, except in those areas where there is not much muscle to provide padding. The hands and feet are particularly prone to pain on injection, but most people feel that is a small price to pay for the relief they get. Excessive sweating may not seem like a bad condition, but when your clothes are drenched in sweat several times a day it can really impact your social and work life as well as your health.
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Without a healthy diet that gives your body all the nutrition in needs, you cannot be healthy. But what is the best diet? How can we be sure our loved ones are getting the kind of nutrition they need? There are many fad diets out there and many people fall into the trap of dieting in an attempt to become healthier at some stage of their lives. It could be that they are overweight, in which case a diet may be necessary, but unless that diet provides all the nutrition your body needs to function properly – and unless you love it – it won’t be long before you throw it all over and return to your favourite foods, be they ever so unhealthy.
Healthy is happy
In actual fact, you can lose weight while still supplying your body with nutrition, without ever consulting a book on diets. Making sure you eat plenty of fresh vegetables and fruit, and cut back on sugary desserts and fatty meats is usually enough to give you nutrition, keep you feeling full and give you energy as well. The more energy you have, the more exercise you will do, whether in the form of housework, gardening or taking up a sport.
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Limestone paving has always been perceived as a natural and calming choice for a home. This may be utilized in various ways. Gone are the days when limestone was only limited to flooring. That is not the sole case these days. Limestone being the beauty that it is has undergone many years prior to forming on the surface of the earth. This would not occur if it was not for a remarkable pressure on it. This is responsible for the unique features seen in the said stone. This makes it a famous choice for any landscaping and construction projects.
Paving with the use of limestone turned out to be a great option for homeowners whether you are doing it yourself, utilizing the services of a experienced handyman or going all out and employing a professional paving company. This is perfect for outdoor fixtures including terraces and pool surroundings. Do not get this wrong because this may also work well with indoor environments. This may feature corridors and bathrooms which are normally seen in homes and offices. Tiles made of limestone are also the right option when it comes to wet areas. They are ideal because they can provide slipping. Absorption of water will also not be an issue. It is just that limestone pavers may vary in appearance. This is why an exceptional look may be attained.
Limestone is a durable and heavy natural stone. This is enjoyed well by the building industry and this has been happening for so many years now. This limestone is common when it comes to architectural and landscaping applications. Paving through this may be applied in areas such as driveway, pool area, walkaway, patio, pathway, courtyard, stepping stones, landscaping and even verandas.
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Fitness is an important part of our overall health for many reasons, but what exactly is fitness? It doesn’t mean that you can lift really heavy weights or even run a marathon, although people who can do that are certainly fit. For the average person, fitness helps us to live life to the fullest and encompasses the three important parts of our being; physical, mental and emotional health.
Doctors are increasingly aware that the three aspects of a person as above all play a part in the state of our physical health. For instance, if someone is under a lot of emotional or mental strain, it can cause them to become ill. Such stress can cause ulcers, heart attacks, strokes, digestive problems and more. But if the body is fit, the person will be in better health overall and able to ward off many physical ailments.
However, when we think of fitness, or being fit, we are usually referring to physical fitness and it is important for several reasons. Read More …
When it comes to drug addiction, no one is above the risk. According to the Substance Abuse and Mental Health Services Administration’s (SAMHSA’s) National Survey on Drug Use and Health, 23.5 million people aged 12 or older needed treatment for an illicit drug or alcohol abuse problem in 2009. Drug and alcohol abuse is an epidemic in the United States, and even celebrities have had their share of addictions. One of the biggest draws of AA, NA, and other addiction treatment programs is hearing the stories of others. Here are a few from celebrities who have fought to maintain sobriety:
On getting help:
“I’m very, very good at manipulating people and that was something that I did in my disease, I would manipulate everyone around me. Weakness is living in denial. Only the strongest people ask for help.” –Demi Lovato, sober since 2012.
“The things I was putting in my body, my tolerance got so high. I got to the point where I couldn’t even count how many pills I was taking… I had overdosed in 2007, like right around Christmas in 2007… Pretty much almost died… I scared myself, like, ‘Yo! I need to, I need help. Like I can’t beat this on my own. I think that was my biggest problem… I mean, I’m sure that anybody with addiction—the biggest problem is admitting that you have a problem. Nobody wants to admit that they’re not in control of something.” – Eminem
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Millions of people are plagued by alcohol and drug addiction every year. Once you’ve completed your rehabilitation, the road to recovery never ends; you are constantly enhancing and rebuilding your road, finding better ways to cope and succeed. Meditation is one practice that serves as a vital source of added support during the recovery process. In fact, many treatment centers have adopted meditation as a part of their overall treatment program.
Meditation is a powerful practice that has been used for thousands of years to lead the meditator towards enlightenment and spiritual connection. You don’t have to be religious or consider practicing meditation, as it is first and foremost about the self, and being one with your mind.
While there is no set time frame for practicing meditation, it is most effective when sticking to a routine. Like any sport, the more you practice, the better you get. Setting aside even just 20 minutes per morning to meditate before beginning your day will yield long term benefits. Meditation not only connects you to your mind and body, but is proven to be stress-reducing.
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Many people think of Botox only in conjunction with removing wrinkles, but there are far more conditions that can be treated than cosmetic ones. Migraine affects many people, causing them to lose work time and become bedridden for several days in the worst cases. Botox treatment for migraines can bring amazing relief to the sufferer.
In fact, it was discovered that Botox can help chronic migraine sufferers by the patients themselves as they had Botox injections for wrinkle treatment. When Allergen, the company that makes Botox, found this out they were able to present the case for using Botox especially for migraines and have it approved for this use.
Why does Botox work for migraines?
It is not fully understood why Botox is good for helping migraine, but since it works to paralyse the nerves and muscles of the face, it is likely that these same nerves and muscles play a big part in causing migraine or are affected by the migraine and cause pain. When the muscles are paralysed by the Botox injections, there is much less pain.
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I have never used meth, it was not my drug of choice, but it is for so many others. Truthfully it scares me. I’ve lost friends to its power and for those that don’t seek professional drug rehab or enter into some sort of self addiction recovery I have watched helplessly as it destroys the lives of those I know and care for.
Most people who use meth, I have found, really don’t want to at all, but the sway that it holds over those who use it is extraordinary.
When I found the poem below, “I am meth,” it blew me away, I’ve never used it, but I understand it, and I’m in awe of the way the writer has captured the truth of what happens with their words.
About a year ago, I found myself in a house with quite a few meth users, all teenagers, and all having a great time. I read the poem “I am meth,” and was amazed at the reaction. I killed the party. I began reading it to one person, but everyone ended up listening. The silence spread as if I was giving a presidential speech, and the noise did not come back. Everyone understood the truth of what they were doing and what they were feeling, quite a few young girls cried, and many people got angry. But everyone understood it, and knew they were trapped that it had stolen their souls, and that they were powerless.
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If you have ever been on a luxury yacht, especially one like Amara, designed by Sam Sorgiovanni, you will have seen just how many relaxation and entertainment areas there are. All are a little different and many areas are designed especially for other cultures where chairs and lounges are not so important, but piles of cushions on the floor or on a large, raised, padded platform provide comfort to anyone wanting to use them.
While many furnishing trends travel from home to ship, sometimes that is reversed, with up-market homes following trends that are seen in luxury yachts, especially the really big ones where opulence is key. Almost any home can be improved with more relaxation areas that offer the ultimate in comfort, whatever that may be to the owners. If you are feeling stressed out and tired, it could be that there is no truly welcoming and comfortable space in your home that calls you in to relax.
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More than 30 years ago I noticed that eating sugared foods made me extremely tired in the mornings. A little sugar in the water to boil carrots gave me “sugar eyes” – that’s what I called the sense of glue in the morning as I tried to open my eyes. A cup of coffee and a donut would literally keep me from getting out of bed – I was habitually late for work. I did not realize it was the sugar until I stopped putting sugar in my coffee and replaced donuts with hot unsweetened cereal. After three days of this new regime, I got up early and I had clear eyes – no sugar eyes! I was alert and awake! What a discovery!
Feeling well is a great incentive. After that experience I pretty much cut out refined sugar from my diet. Every so often I’d stray, but the fatigue and the “sugar eyes” kept reminding me. What I also noticed is that my moods changed dramatically once I quit eating sugar. From my usual slight malaise, a vague sensation of sadness or minor depression, I went to feeling normal and OK pretty much most of the time. What surprised me was that such experiences were dismissed by the mainstream nutritionists, and other parents were horrified when I mentioned that I gave my children no sugared cookies, ice cream, or candy – ever. (If they got it themselves, that was not my problem; they just didn’t get it in the house from me.) That was because I had found, early on, as do many parents, that the kids often go crazy when they get sugar.
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There have been a number of articles about obesity and children, and frequently there are words used such as “surge,” “epidemic,” and “growing problem.” Let’s take a look at what the issues are.
Obesity has a popular meaning (just plain fat – we know it when we see it) and a technical meaning. Overweight (chubby) is the same. And here comes the interesting thing: official technical meanings of these two words have changed. They deal with the body mass index, or BMI, which is the ratio of weight to height, and is arrived at by the following method: multiply the weight in pounds by 703, then multiply the height in inches by height in inches, then divide the first number by the second. If using the metric system, the numbers are weight in kg divided by the square of height in meters.
Before 1998, a BMI of 27 or more was considered overweight. But in June 1998, new cut-off weights were implemented. The BMI for overweight became 25 to 30, and anything over 30 became obese. Thus, overnight a lot of people became overweight who were considered normal the day before.
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We have nothing to fear of fever but our own fear. Fever is a very sensible, rational activity of the body when it is faced with certain types of stress. It is the activation of the body’s garbage incinerator, burning up debris and toxic matter that are of no use to the body’s normal functioning. These may be bacteria, virus, breakdown products of the body’s metabolism, or other extraneous proteins in the bloodstream.
In the case of children, fever can serve a very good purpose. Children are continuously rebuilding and remodeling their bodies as they grow. As with any renovation project, debris results. In Anthroposophic medicine, the theory is that childhood illnesses are simply a way of disposing of unwanted cells and tissues. Hence, colds, skin eruptions and fevers are normal expressions of a normal process. Parents sometimes get excessively concerned. According to Jane Brody, in her New York Times column “Too Many Parents are Afflicted with Fever Phobia,” the pediatric literature points out that “undue attention to a child’s temperature and mishandling of fevers generate a great deal of unwarranted parental anxiety, avoidable medical complications, and countless calls and costly visits to doctors, clinics, and emergency rooms.”
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Riding the subways and buses of New York City, I have often encountered people with children in large baby carriages. These carriages are at times quite elaborate, with beautiful padding, a sun roof, lots of toys — obviously the parents are doing all they can to express their love for their child. The child, on the other hand, may not notice or appreciate the effort: it’s back is to the pretty padding, and it can only look out, without seeing the one pushing the carriage. In essence, the baby is alone in that carriage, wheeled about with no sense of connection to the adults. Sometimes I see children that look like they’re three, four, and maybe more years old, wheeled about still, not walking. What are these kids learning? When faced with stress, will they become crippled before their time, so as to recreate their infancy and be wheeled about by someone else? Will they too grow into couch potatoes, overweight people who do not exercise, people who are reluctant to do something for themselves because they’re so used to having someone else do it for them?
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Books on how to eat are a dime a dozen. Many of them contradict each other: raw food or cooked? Vegetarian or high protein? Food combining or everything in balance? Consumers try to navigate without a compass among all these systems, and often, in despair and confusion, give up trying to eat healthfully. As readers of this column know, my viewpoint is that our main dietary choices should be always whole, fresh, natural, real, and organically grown foods whenever possible. That said, there are many possible permutations of such a diet, and I have experimented with many: lacto-ovo vegetarian (7 years), vegan (1 ½ years), macrobiotic (15 years), food combining (2 weeks), and the Atkins diet (1 month). Each time I learned something interesting. It’s been a long time since I think of myself as being “on a diet,” but rather of eating mostly “health-supportive whole foods.”
In the past two years I have run into three new books about diet, and each of them has taught me one or more useful concepts. That is more than I found in the ten years prior! You have probably heard about these books as well. Let’s look at all three, and what I found useful about them.
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Sugar is bad for you, right? It has calories and makes you fat. Therefore, anything that tastes sweet and doesn’t have calories is preferable, because it won’t make you fat. Right? That is the thinking that supports the widespread use of artificial sweeteners. Millions of people guzzle soft drinks sweetened with aspartame, the compound sold under the trade names Nutrasweet and Equal. This ingredient is found in all kinds of diet foods, in toothpaste, and sprinkled out of small packets into coffee and tea. It is sold worldwide. It is also associated with thousands of reports of adverse effects. Most of the information that follows was taken from the Aspartame Consumer Safety Network Fact Sheet, written by Lendon Smith, MD, former Network Physician at NBC-TV and well-known author and pediatrician.
Aspartame (the technical name is L-aspartyl-L-phenylalanyl-methyl-ester) is considered to be about 200 times sweeter than sugar. It is virtually calorie free. When ingested and metabolized, it breaks down into three substances:
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