There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU! You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only. Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn. Since these advisors are […]

Polyures and epoxy coatings are a new breed of concrete coatings with extraordinary benefits when properly applied with the highest quality blends. They are being applied by a small but growing network of highly skilled flooring entrepreneurs around the country. The highest quality polyureas are not massed produced. They require an investment in specific equipment and mastery of the application system. The Application System The first step is to acquire high production concrete grinding equipment. These are high torque grinders that cut the concrete easily. They have specialized dustless vacuum systems minimizing airborne dust. Surface preparation is critical to successful application. High spots throughout the floor are leveled, including along expansion joints, which typically are higher than most areas of the floor. Polyureas are not a self leveling product like epoxy. Epoxies tend to have varied thickness throughout the floor. Polyureas perform best with a smooth level surface resulting with a consistent coating thickness. Once the floor is ground smooth, cracks and damaged areas, including expansion joints, are repaired with a filler compatible with the coatings. These repair products are solvent free, do not shrink, are flexible and impact resistant. Once the floor is ground and cracks, expansion joints and […]

If you have just bought a car then you should know that getting an auto car insurance has been made mandatory by law. Without this you won’t be able to drive on the roads and you will be collecting a lot of driving tickets. Getting auto car insurance is not that difficult; all you need to do is choose the right agency. This is not a daunting task if you are a wise buyer. There are so many insurance agencies to choose form, so finding the right one can be a bit tedious. It is vital that you choose the right agency if you want to save your hard earned money. Making a wrong decision will just make your money go out the window. Not everyone is a perfect driver so there is a possibility of you meeting with an accident. Paying for the repairs can be a bit expensive and at such times having auto car insurance in hand is beneficial. This will help you save your finances. You really need to shop around to find the right agency and the easiest way to do is online. On the internet you will be able to find an agency nearest […]

Do you suffer from heavy metal toxicity? Chances are you do. If you are suffering from symptoms such as; chronic fatigue, chronic infections from decreased immunity, autoimmune diseases, chronic candida overgrowth, and even cancer, heavy metal toxicity may be the root cause of it all. Your Dr. may not be testing for heavy metal toxicity and prescribing medication instead without getting to the root of the problem. You need to know better. Although mercury toxicity from amalgam dental fillings has recently gained some exposure, mercury is not the only dangerous heavy metal you need to be aware of. Cadmium, aluminum, lead, and arsenic are some of the heavy metals we are exposed to just by breathing in the air around us. Industrial discharges, pesticide run offs, incinerator emissions, manufacturer smokestacks, and aviation, and auto vehicle exhaust all spew heavy metals into the air we breathe and the ground we get our water and food from. Aluminum toxicity is also easily leached into processed, packaged food during manufacturing and packaging. Aluminum can leak from giant vats used in commercial kitchens, aluminum lined juice boxes, cans, and other packaging materials. Cadmium is another heavy metal leaking into the environment on a continuous […]

Are you surprised? Next to the real estate and housing industry, the travel industry is said to be the second largest industry in the world. Did you know that in the USA more money is spent on travel annually than on healthcare, more than on telecommunications, far more than on computers and surprisingly, even more than on food? Travel is a 7 trillion dollar plus industry worldwide and is expected to continue to grow dramatically over the next two decades as members of the baby boom generation fulfill their number one goal: to travel more. Younger generations are becoming more adventurous as well. People worldwide, in developing nations and developed nations, desire to travel more as they are exposed to new worlds on the Internet and as their incomes continue to grow. We live in an increasingly smaller world. And, as people earn more and more money in their home travel businesses, they receive many wonderful travel bonuses and get to travel a lot more. There are currently a couple of home-based businesses in the field of travel and leisure that have become extremely popular within the past year. After carefully studying their business models, their compensation plans, their benefits […]

Best honeymoon destinations in India India is very well known for its diversity. In fact it is one of the top honeymoon destinations in the world. Best honeymoon destinations in India present the tourist attractions right from beach state of Goa to beautiful hill station of Kashmir to the back waters of Kerala. Best honeymoon destinations in India are Hill stations like Mussoorie, Dalhousie, Darjeeling, Ooty, Kodaikanal, Srinagar, Shimla, Nanital, Manali, Mount Abu, Gangtok and many more The other best honeymoon destinations in India are beaches like Andaman & Nicobar, Kerala and Andra Pradesh which provides you with picturesque beaches and many more. If you are looking for a best honeymoon destination then India is the place where you should visit and explore it. Package Tours from Bangalore Bangalore is known as the Silicon city of India. It is one of the cosmopolitan cities of India. Package tours from Bangalore offers you to visit places like Bandipur national park, Bannerghatta nature camp, Bhadra, Bheemeshwari, B.R hills, Cavery fishing camp, Coorg, Chikmagalur, Coorg, Kemmanagundi, Kudremukh, Mysore and many more. Package tours from Bangalore offer holiday packages, tailor made tours suiting to all categories in India on very competitive prices. So in […]

Outsourcing business solutions allows businesses to maintain a competitive edge while saving on costs. There are certain functions, like IT and web design, that are necessary but may not fall under a business’s core competencies. Maintaining in-house teams can be costly in terms of office space, equipment and training. Some businesses may not have the resources to spend on them. By outsourcing their solutions, businesses can leverage the expertise of a provider at a fraction of the cost of maintaining in-house services. There are distinct advantages to outsourcing, including: Cost-effective communication. Businesses can boost staff productivity with professional email and collaboration tools. These solutions require their own servers, however, and need to be maintained by a dedicated IT team. By outsourcing the IT solution, businesses can save on the cost and hassle of server maintenance while enjoying 24/7 support. Professional Web design. Businesses may not have the time or expertise to design their own website. Through a provider, they can have a professionally designed corporate website built according to their budget and specifications. Enhanced online visibility. It takes IT expertise to enhance a website’s visibility so the target audience can find it. By leveraging search engine optimization and pay-per-click advertising […]

When you start up or re-brand a pet or animal related business one of your first requirements will be getting a great logo design in order to create a brand that you can build upon and develop. Many new businesses are springing up today that are related to pets and animals. It is no longer just your traditional veterinary clinics and pet stores but a whole host of other service businesses relating to pet care, grooming and other niche areas like pet photography and pet boutiques and pet retreats. The pet industry can be divided into two area really. Firstly you have pet stores and vets who target the general population and secondly you have luxury pet supplies, gourmet pet food and services that only the upper middle class and the wealthy can afford. Some people treat their pets like members of the family and want only the highest standards for them in terms of the products that they buy and the services that they require. So the message that you want to convey in your logo is that your company values animals and is basically in the business of pampering them, giving them the best of care and the […]

Explore Paros beaches, sites and attractions. The Port of Paros is in Parikia (the capital) which is situated on the western part of the island. Parikia is a well-developed tourism infrastructure town offering lots of accommodation units, beaches and archaeological sites to visit. There are also daily flights from Athens to Paros (4 flights per day – 45 minutes flight), with Olympic Air. Paros is the third in size island in Cyclades, after Andros and Naxos, with a total area of 195 sq. km and 120 kilometers of shore and beautiful sandy beaches. Apart Parikia which is the commercial center of the island, the most beautiful village in Paros is Naoussa, which is much more picturesque and has a lot of beaches and attractions to offer. The center point of interest is around the small fishing harbour of Naoussa where are situated some of the best restaurants, fish taverns, caf├ęs and bars of the island. Near Naoussa are some of the best beaches of Paros, awarded with the “blue flag” sign. In this article we will talk about things to do in Naoussa Paros during the day. Get up early in the morning, have a rich breakfast at your hotel […]

With property management firms charging as much as 45% of a rental property’s income, more and more vacation home owners are turning to the Internet to book their rental properties themselves in order to keep more of their rental income. While websites such as HomeAway have given vacation home owners a new venue to advertise their rental properties, most vacation home owners are finding that these sites alone do not produce enough rentals to keep their properties fully booked. Even worse, vacation home owners are finding that the mundane tasks of replying to inquiries, manually sending out invoices and rental agreements, updating their properties’ availability calendars, and all the other tasks associated with replacing a property management firm all add up to a full-time job. There are online software management tools for vacation rental properties, though, that can greatly reduce the amount of time you have to spend managing these types of activities. To help vacation home owners find, book and manage online rentals for their rental properties, here are the top 3 time-saving vacation rental management tools that no vacation property owner should be without. 1. Online Booking and Reservations Management System If there’s one thing that online consumers […]