Tuesday, September 11, 2012

What About Wealth?


100 tonnes of gold worth $ 2.447 billion, 240 tons of refined silver, worth $ 104 million, was donated by David. Those responsible donated another 170 tons of gold worth $ 4.162 billion, 375 tons of refined silver, worth $ 163 million, 620 tons of bronze worth $ 2 million, 3,450 tons of steel worth $ 828,000 and workers donated precious stones. $ 6.878 billion more has been donated for the construction of the Temple which was built by Solomon.

Of about 119,000 tons of gold extracted from historical times to 1995, nearly 15% claimed to have been lost, used in industrial applications, or otherwise unrecoverable or unaccounted for. Of the remaining 102,000 tons, 35,000 tons are official stocks held by central banks, and about 67,000 tons are private as coin, bullion and jewelery.

Now the image of a city that is 1400 miles from any side or 1,960,000 kilometers square, with a wall thickness of 200 meters. The wall is made of jasper and the city built of pure gold! The foundation of the city is made up of twelve layers of precious stones. The twelve gates are made of a giant pearl for each port. And the highway is also made of pure gold, like transparent glass.

Now that is wealth!

Solomon was the richest person in the world, but was he? He was certainly rich, but he was rich? He could go 80 miles per hour at any place in his kingdom? He could fly through the oceans in a few hours? He could talk to his commanders on the ground while they were in the field of battle?

Take almost all the modern comforts that we enjoy in our everyday life, Solomon has one of these? We can follow the events that are happening around the world from the comfort of our living room. We are able to access the Internet and find the answer to almost any question and get many opinions on any subject.

If Solomon visited your house and saw how they live, I would think he was saying that we were the richest people on earth. Being the wisest person on earth, I wonder what would have to say about our lifestyle? "One man pretends to be rich, but it has nothing, another pretends to be poor, but has great wealth." (Proverbs 13:07 NIV)

Take a look at ten richest people in the world, and it is clear that to this day and age it is possible for anyone to get rich.

Carlos Slim Helu, at the age of 67 with 67 billion dollars is a Mexican businessman and entrepreneur involved in a diverse group of companies that include telecommunications, retail, banking and insurance, technology and auto parts manufacturing business. He is the richest man in Mexico. In June 2007 it was reported that Carlos Slim Helu's wealth rose to an estimated $ 67.8 billion, making him the richest man in the world. This puts Carlos Slim ahead of Warren Buffett and Bill Gates.

William Gates III at the age of 51 years from 2006 was the richest with $ 56 billion. Of course we all know how he made his fortune with Microsoft. The Bill and Melinda Gates Foundation is a non-profit organization that focuses on health, poverty and education in developing countries.

Warren Buffett to 76 years with $ 52 billion is the richest third. He arranged for most of his fortune to go to five charitable foundations and wants the money spent within about 13 years after he dies. It may be worth noting that William Gates serves on the board of directors of Berkshire Hathaway Warren Buffett, chairman of the board with as CEO.

Ingvar Kamprad at age 80 with an estimated value of $ 33 billion founded IKEA, with a long tradition of community outreach and philanthropy, with each store encouraged to support local causes, as well as international sponsorship of UNICEF and others. Citizen of Sweden.

Lakshmi Mittal at the age of 56 years worth $ 32 billion to his wealth and power came from realizing his dream of consolidating global steel industry. Mittal is known to be generous and charitable, and gave millions of dollars without fanfare to tsunami relief and other causes.

Sheldon Adelson at the age of 73 and a value of $ 26 billion lost fortunes in venture capital and real estate before hitting full of wild beasts. He started Comdex Computer Dealers Expo in 1979. Casino and Resort magnate, Adelson promises to change the face of Jewish philanthropy. The new entity will be an important advantage for American and Israeli causes, with a commitment to distribute more than $ 200 million dollars to Jewish causes annually - the largest ever pledged to a Jewish foundation.

Bernard Arnault to 58 years is worth 26 billion dollars. He built the world's largest fashion and luxury goods group has not done so as to be soft and frilly. He controls LVMH and Christian Dior, which sells about 50 well-known brands, including Marc Jacobs, fashion handbags of Louis Vuitton and a group of famous champagne.

Amancio Ortega to 71 years is worth 24 billion dollars. It 's majority shareholder of the Inditex group (Industrias de Diseño Textil Sociedad Anónima) which includes the brands Zara, Massimo Dutti, and Pull and Bear. The mysterious Ortega keeps a low profile that few Spaniards have never heard of him, and there are virtually no pictures of him.

Li Ka-shing, 78 years is worth $ 23 billion. Its activities include such diverse areas as property development and investment, real estate agency and property management, hotels, telecommunications and e-commerce, finance and investment, retail, ports and related services, energy, infrastructure and materials , media and biotechnology. He is recognized for his philanthropic efforts and his contributions to society

David Thomson at the age of 49 years worth $ 22 billion. He took control of the family fortune after his father, Kenneth Thomson, died last June. Well known art collectors, the family bought $ 5 million worth of native North America at auction last year, including a $ 1.8 million face mask, the highest amount ever spent on a single piece of 'Art of Native North America.

"He who loves money will not have enough money, who loves wealth is never satisfied with his income." (Ecclesiastes 5:10, NIV)

We see that some of the richest people in the world are giving away large sums, as they age, perhaps you realize that they can carry!

David said, Yours, O Lord, is the greatness and the power and the glory and the majesty and the splendor, for everything is heaven and earth is yours. Yours, O Lord, is the kingdom and thou art exalted as head over all things. Wealth and honor come from you, you are the lord of all things. (1 Chronicles 29:11-12 NIV)

One can imagine the wealth that God has for us of Serbia, here in this life and eternity....

1st Class Eurail Travel Guide


Travelling Europe on Eurail is a great way to save the environment and save money on gas and rents cars that had to buy, instead of traveling all over Europe. If you plan to travel for an extended period of time, you might want to consider a first class Eurail pass. The foot room in the quietest and most cabins offer a more relaxing trip ... especially in those late nights.

1 st class passes are the normal adult rate, although there are discounts for children and groups traveling together. In general, 1 st class travel is more spacious and quieter than 2 nd class. 1 st class seats are usually larger with reclining backs and more legroom than 2nd class seats. In a typical first-class car on the train, there are usually 2 seats on one side of the aisle and one seat on the other. In places in the cabin, and cabins to accommodate up to 6 passengers, which is great for group travel!

The great thing I like to travel first class is that they usually do not have to worry too much about thieves because the cabins are a bit 'more cautious, and most thieves do not want to pay for a first-class ticket only to steal your assets. I traveled the Eurail a couple of times and I find I am very tired of exploring all day, so when I get on the train is nice to have that extra room to stretch out on foot and take advantage of my sleep.

I hope that you enjoy your travels in Europe and the train is a great way to meet new people, not only, places to see, but that might not otherwise get to do. The environment is very grateful for this form of travel and the rise in gas prices this option is the more plausible .......

Owners of filing of insurance claim forms: what to do


Submission of an application for homeowners insurance can be done easily if proper procedures are followed correctly. Regularly review your insurance policy and keep up with what your duties and responsibilities for the specific plan are will assist tremendously filing an insurance claim homeowners.

First, when filing your insurance homeowners request. If a crime has been committed, call the police. Be sure to get a police report and document all names officals who are in contact with. Your insurance company must now be immediately notified of your request soon.

When talking with the customer service representative at your insurance company, it is recommended to ask questions. Most insurance policies have a period in which insurance claims homeowners can be stored, so you need to find the maximum time allowed for filing claims. Here are some other questions that need to be tackled is the disaster or an accident is required in fact covered by insurance? Exactly how long does it take to process the application?

Waiting to showcase your homeowners insurance claim, you as the landlord is obligated to make temporary repairs. And 'you make sure that your home is not damaged further. Save all receipts from the supplies that are used, and the insurance company will reimburse all costs.

The next step in filing a claim form homeowners insurance is producing a list of missing or damaged personal items. Do not throw away any damaged item until the insurance adjuster has paid a visit to your home. Generation of an inventory at home and present it to the regulator is also a good idea.

Your insurance company is required to submit application forms correctly once they were informed of the request. After you claim homeowners was presented, the question is out of your hands, and all you can do is wait for the company to agree upon the terms of your settlement. However, there is a light at the end of the tunnel. In most cases, insurance claims homeowners are treated fairly rapidly, and the laws state that the payment instructions to be delivered in a timely manner ....

Seek Residential Insurance rate increases


Florida has a plan to reduce the cost of property insurance, but some experts are questioning its viability are the demands of recent rates The Hartford, Florida Farm Bureau, Metropolitan Property and Casualty and car owners.

The latter are looking for an average increase of 41.9% at the level of state insurance and Cincinnati want a rate increase of 37.5% on average. Florida Farm wants to raise rates by 30.3% and Hartford is requesting an increase of 29.5%. Metropolitan Property and Casualty is seeking an increase of 14.9% on average.

All requests must be approved by the State. A spokesman for the Office of Insurance Regulation said that they wanted to ensure that rates charged are appropriate, non-discriminatory and not excessive.

The meetings between the governor and state lawmakers in Florida have been making efforts to reduce grinding costs in the first half of 2007, part of which enabled companies to buy less reinsurance (insurance that insurance companies take out), and make sure that all savings were transferred to consumers.

Hindsight suggests that this was a short-term solution with the risk involved, and a long-term solution, with less risk is necessary. Consumers are encouraged to look around on the Internet to find cheaper rates.

Although Florida Farm Bureau has attempted to cut rates by about 25% in early June, after he asked for an increase as a "correction," saying that the previous reduction was too steep. If the state approve the rate increase recently, the net result will be a reduction of 1.6%. The public hearing for this is set for July 10.

Metropolitan topic for the increases was that he had suffered a loss of two dollars for every premium dollar in recent years in Florida, and could not continue to operate in these financial conditions, but must manage its activities to the benefit of policyholders throughout the country.

Cincinnati Insurance has claimed that they had renegotiated its reinsurance contracts in early 2007, and could not make further savings at this time.

Hartford said it is to adjust the rates from time to time to ensure that they manage the risks in a responsible and appropriate price policies to cover the risk.

None of car owners, to ask the biggest increases, was available for comment.

There are many other insurance companies out there, and how many of those who will be responsible for rate increases? September 30th is the deadline for requests that show actual savings achieved by less reinsurance.

So far this year, the state says it has seen an average reduction of 15% for rates of property insurance policies for new and renewed .......

Monday, September 10, 2012

5 best ways to advertise your Home-Based Business


If you have purchased cables, you would have discovered by now that most cables are not worth your money. If you have not purchased the cables still good! Think twice and do more research before deciding if the cables are really for you.

I discovered that the following methods work best to get your name out there.

1) Word of Mouth - This is the best kind of advertising! Do you have clients who have purchased your products or have used the service already. They will be able to tell first-hand how much he liked buying or working with you.

2) Referrals - What better way to win customers from existing ones? Offer something for free or a discount to customers to refer people to you.

3) Website - A website is a great thing to have. Run a special only for online customers, this will encourage them to return to your website.

4) Business Card Exchange - Partner with another member to get your name out there. You can include another Rep business cards with your orders and vice versa.

5) Signatures - Most email providers allow you to write signatures that will be sent with every e-mail is composed. This is a great way to advertise and remind you of everything you do.

The data entry at home - Key questions answered!


Until recently, anyone with the need to do some work for a living usually had to go to the place where the work was available. However, the explosive growth of Internet has made it possible for work to go to the comfort of your home by making data entry a reality.

What is data entry at home?

Several types of data entry opportunities are available today. These include transcription services, data entry operations, writing services, accounting services etc. to name a few. By entering the data having established concept of home, work now moves without solution of continuity throughout the world. This allows a job to different parts of the world is doing in distant places. The work of data entry of an insurance company in New York can be done in Manila and New Delhi.

Who can benefit?

Virtually anyone who wishes to enter data at home can benefit from this. Young mothers can be in constant companionship with their children at the same time doing the actual work from the comfort of her home. The skilled will find even more interesting, because it will not be disturbed by the limitations of mobility that may be facing.

What do you need?

To be able to data entry at home, usually you will need a home computer and a reliable high-speed Internet connectivity. A single e-mail id can be an advantage too.

What are the attributes?

Most of the data entry at home jobs involved to zero supervision. Therefore, you should have a high degree of comfort without the supervision of work and the confidence to perform the particular task that you have contracted for. Punctuality, integrity and a high degree of responsibility are the basic attributes needed to succeed in the segment of data entry at home. Your employer may be positioned anywhere and it would be counting on you to provide that job or a part of the work within the agreed timetable. It 's very important that this aspect is adequately understood by you. You must build your reputation in a period of time and establish yourself as a reliable supplier of specific services that you offer. To get your first employer that offers a data entry at home opportunity, it may take some time, but to restrain him and get more clients, you will have to make a reliable service and generate positive reviews.

Where to find these jobs?

Your local newspaper can help to some extent, but the Internet has many options and opportunities. You can access any of the search engines to get a long list of opportunities. Depending on your abilities, you should be able to identify the right kind of appointments that best suits you. Remember, you are looking for a job to earn some money. When you are looking at various opportunities, will also come across a number of websites that offer to guide you and promises you an instant success. In most cases, you will be required to pay for 'sign-up' or buy a book or software. This kind of opportunity is best avoided. You should do data entry at home make money rather than lose money .......

A Strategically Structured Outline for Business Succession Planning


One of the most important questions entrepreneurs ask is: "Do you have a succession plan or exit strategy for your company?" I also ask employees: "Do you know if a succession plan or exit strategy exists in your company or organization?" You may be surprised to know that in my experience of over 90% say they will not have any succession plan or exit strategy. A 2004 CIBC Small Business Outlook Poll (conducted by Decima Research), has indicated that 39% of small business owners plan to sell their business and 15% plan to have a family member take over. Yet, two thirds (67% (of employers surveyed said that they had not yet addressed the issue of who will take over the company. To me, this result is very significant and frankly it's a motivation for writing this article.

Succession planning is critical for long-term success of any business. Transitions of leadership in business continuity throughout the organization, employee retention, customer loyalty and return on investment. E 'essential to create and implement a process that creates visibility, accountability and a greater integration of all aspects of business.

In another article, Your Strategic Thinking Business Coach provided seven (7) strategic actions to be taken to structure a process of strategic planning. Those seven (7) strategic actions are:

Strategic Action # 1: Start the process of succession planning early.

Strategic Action # 2: Determine and clearly communicate the goals, objectives and scope of leadership succession plan or program.

Strategic Action # 3: Clearly define the desired qualities and requirements of the new leader.

Strategic Action # 4: Develop a clear development strategy focused leadership.

Strategic Action # 5: Develop a talent management process that will incorporate the strategic thinking for the development of specific opportunities for future leaders.

Strategic Action # 6: identify future candidates for leadership by developing a system to assess the needs of current and future leadership.

Strategic Action # 7: Identify a system for communicating information to ensure that the succession of leadership and / or development programs are in line with the strategic business needs.

After developing the list of strategic actions, it was important to develop a general scheme strategically structured to present the elements of succession planning. Such a scheme is the following:

STRATEGIC PLAN OUTLINE OF STRUCTURED SEQUENCE

I. GOALS AND OBJECTIVES

Develop a vision statement for your business

Develop a mission statement for your business

Develop a list of values ​​and guiding principles

Develop short and long term goals for your business

Identify stakeholders for your business

Develop your personal vision

Develop your personal goals

Develop your retirement goals

Create a team of consultants for your succession planning efforts

Determine need a succession plan

II. EXIT STRATEGY

Develop options for your exit from your business

Examine the options developed for your exit from the business

Select the option for your exit strategy

III. Business Valuation

Get professional advice to determine the value of your business

Determine the value of your business

Determining a current value of your business assets and liabilities

Determine the value of the goodwill of your business

IV. Business Structure

Identify and quantify the corporate debt

Recruit and keep employees productive

Business structure to maximize the value

Document key processes and procedures used in your business

V. TAX CONSIDERATIONS

Develop financial goals

Identify the tax implications of your work in progress

Plan and implement tax strategy to reduce taxes

VI. LEGAL CONSIDERATIONS

Retain professional legal counsel

Develop a buy-sell agreement for your business

VII. SUMMER PLANS

Maintain a professional estate planning consultant

Develop an estate plan

VIII. SUCCESSOR SELECTION

Develop specific criteria for his successor

Recruit and select a successor based on your criteria

Communicate the selection of a successor to your stakeholders

IX. SUCCESSOR TRAINING

Develop a list of characteristics and skills necessary for his successor

Develop a training plan for his successor

Develop a coaching / mentoring plan for his successor

Establish a timetable for the successor plan

X. emergency plan

Develop an emergency plan (based on the "What Ifs?")

To research and identify the insurance needs (disability, personal life, critical illness, business, key person, etc.)

Select and train a key employee to take in case of emergency or unforeseen event

Communicate the plan to stakeholders and consultants

XI. IMPLEMENTATION PLAN

Document the roles, responsibilities and expectations regarding the ownership transfer

Identify a facilitator to ensure that the succession process is carried out

XII. CALENDAR

Identify the timetable for transition management

Identify your timeline for the transfer of ownership of your business

Identify the calendar to complete your exit from your business

XIII. COMMUNICATION

Document the succession plan

Document how to proceed with the succession plan in the event of an unforeseen event (accident, illness, death)

Document the transition or exit strategy to inform the family, employees, customers, suppliers, communities and all stakeholders ......