Many people today aspire to be hip hop music producers or great and skilful DJs who can churn out deadly beats for the enjoyment for everyone at grand parties. The main problem though, is that it can sometimes really get pretty expensive for one to set up their own recording studio - every piece of equipment can easily cost up to a few thousand bucks, if not more.Luckily for the most of us though, technology has advanced pretty fast throughout...more
Getting in front of people to give a talk is not easy for many. Some even say they fear public speaking more than they fear death. However, speaking in public is easier than one might think, especially if you focus on the subject matter where you are strong. Equally as important is having a clear message, and making sure you keep it to the allowed time. Over the past few months, I have attended meetings, conferences, commencements, workshops, and...more
When I speak at a seminar, I ask how many people plan on retiring poor. #1 Most Tax Planning Assumes You Want to Retire Poor It may not surprise you that no one raises their hand. It surprises me because the tax planning they have done works best if they retire poor. This is because most tax planning focuses on tax deferral. Tax deferral means you are opting not to pay tax now and will pay the tax in the future. The most common example of tax deferral is the advice to maximize the contributions to your retirement plan. Most retirement plans work like this: - The money you contribute is deductible. - The money you receive as a distribution when you retire is taxable. - The tax is deferred until a later date. What's the problem with this? The deduction is at your current tax rate while the distribution is taxed at your future tax rate. If you plan on retiring rich, you will be in a higher tax rate when you retire. This means you are deferring your tax into a higher tax rate. Example: If you are currently in a 25% tax bracket, and are in a 40% tax bracket when you retire, you are deferring your taxes into a higher tax bracket. This type of tax planning works best if you plan on being...more
Older men might seem like they should have no problems at all, answering the questions, how can I find love? Or how do I find love? Yet, the truth is, there are many of you out there who are still searching for your one true love. Finding a soulmate should be easy for you if you know the things that girls find attractive in older men. Here are some...more
Focus on important points like how your product can establish vivacity and things easier also more enjoyable. Include compelling belief lines in the email. As much over possible, avoid using the word free because there are still older spam filters that dumps those kind of contents into the junk before constant anyone reading them first. Convince...more
3 Techniques to Improve Your Painting JobPainting is an inexpensive way to bring about dramatic changes to a room and it is important to do it correctly to get the best results from your paint job. Before painting, take the time to properly prepare the walls, choose the right type of paint and use a good quality angled brush. The lack of preparation and the bad execution of a painting job will result in walls with obvious imperfections and it will also be harder for you to cover up these blemishes during the next paint job.Painting Pointer 1: Prepping the WallsThe first step in prepping walls for painting is to fill in any holes or cracks using a putty knife and nail-hole filler or plaster. Once dried, the smooth walls should be lightly sanded with sandpaper to get rid of any unevenness and bits of debris. The next step is clean the walls thoroughly so that it will be easier for the paint to adhere to the surface. Wipe down any sanding grit, cobwebs and anything else that might be on them. If you are repainting kitchen or bathroom walls, consider wiping them down with a degreaser. Kitchen area walls can be grimy and bathrooms tend to grow layers of film. Wipe the walls with a damp...more
Everyone is looking to save money in these difficult economic times. We have all had to take a closer look at our budgets in an attempt to stretch our limited dollars a little bit further. As you review your budget you will likely find numerous areas...more
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How to find love by dating expats is as full of challenge "" and fun "" as finding a soulmate of the same cultural background. Before jumping into the waters of a cross cultural relationship, however, keep in mind these 3 suggestions for dating...more
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