Why pensions are safer with stocks?

If you are looking for a place where you want your money to grow well, this is a valid question. Firstly, annuities are a collection of different securities. They are bonds, stocks and other securities. This means that your money is scattered across a variety of portfolios. On the other hand, buying a stock means that you invest all your money into a company. This is the old saying: Do not put all the eggs in a basket. By diversifying you can reduce the risk of loss.

The other says the security of the numbers. If you get a lot of money, many people may be exhausted, but others will also go out. In this way, the overall trend may be upward and bring a better return on investment. Even though stock market rumblings – as we have seen in recent days, but in your treasury bills, bonds, etc. Also, you can be sure your investment is safe.

Next, control. Investment funds have staffed to manage day-to-day operations, make decisions about buying and selling investments, and reviewing all the information that is the best place to invest. Now some people do it rather; they believe this is part of the fun game on the market. But if you do not care, an investment fund is ideal for you.

This leads to the following point: paperwork. Purchase and sale of stocks contains many documentation, and this can be very time-consuming. Now, here are people who enjoy this. But if not, the investment fund is a much better investment. Managing staff handle purchases and sales without ever having to bother themselves. So there are far fewer bureaucrats about it.

If access to your money is important, your annuities are much better than stocks. One day you can get money from an investment fund. For stocks, you need to allow a sale, and then it takes up to three days to process before you get paid. If time is critical for you, investment funds are the best.

Finally, it's time. Investing in the stock requires you to pay attention to market news or to pay regular attention to your broker's advice. An investment fund is much more stable – in the long run; so you almost literally invest in the money and forget it. For some people this kind of mind is very important.

Source by Steven Hart

Creating an Investment Portfolio

What is an Investment Portfolio

An investment portfolio is a set of financial assets or physical assets you buy from savings or surplus stocks, mainly for two reasons: –

  1. to fund long-term needs or goals [19659004] Money Growth.

What factors determine your investment portfolio?

Individuals have their own goals and requirements in life. Creating an investment portfolio is the most important element to help you achieve your goal. To create an investment portfolio, you need to consider the following questions and decide which type of portfolio would best suit: – Your long-term goals : It is best to invest your long-term goals in your early career stage; this will allow you to properly plan your money. Consider, for example, whether you would like to buy a beautiful seaside home in 20 years and need 500 kilograms, and in reverse you could find out how much you would need to accomplish your dream.

  • Your Risk Capability : If you have a low risk and you can not withstand huge market fluctuations, your portfolio will be more consistent with low-risk assets. : In your young age you may risk and invest in the long run, but at a later stage we offer more stable and safer revenue
  • Your Income : If you need good extra income, you need to invest long-term risks. if you do not earn significant revenue, government securities such as government securities investments are advisable for the portfolio.
  • What are the financial assets that make up the investment portfolio?

    Individuals' portfolio must consist of the following financial instruments for good diversification and return on investment: Shares : Shares of companies that hold the company's share of the business in proportion to the enterprise.

    Risk Level: 5/5

    Challenge Level: 5/5

    Best: Long-Term

    2) Government Bonds : Debt Accumulation. This is the safest type of investment, as the probability of government default is almost zero. The yield of such bonds is also very low compared to other securities.

    Risk Level: 0/5

    Return: 3/5

    Best: Safe Revenue

    3) Investment Funds You are not aware of the investment in the inventory. You are professionally managing your money for a very minimal fee.

    Risk Level: 4/5

    Return: 4/5

    The Most Suitable: Medium to Long Term

    4) Gold is designed to diversify the portfolio. Historically, a good investment return was provided.

    Risk Level: 3/5

    Return: 4/5

    Most suitable: diversification and medium to long term

    5) Corporate bonds debt-increasing companies. These bonds are rated by credit rating agencies such as S & Ps & Moody's and based on their yields.

    Risk Level: 4/5

    Return: 3/5

    Most suitable: Medium

    6) Real Estate . Investment in real estate may require a lot of capital requirements, so investment funds can be used by small investors for real estate investment.

    Risk Level: 5/5

    Return: 5/5

    Most Favorable: Long Term

    Portfolio Design Calculator: –

    in one basket and as it always always diversifies your portfolio , needs, requirements and income. You can use this investment calculator that we have developed and customized according to your needs:

    The scores for the different parameters are: –

    Risk appetite: –

    High Risk

    Low Risk Taken: 1

    18-30: 3

    30-50: 2

    50+: 1

    Income Income: –

    Good Savings: 3

    Moderate Savings: 2

    Low Savings: 1

    Moderate: 2

    Simple: 1

    Now your investment portal may look like this:

    Stocks / Investment Fund – 45%

    Government Bonds – 20%

    Gold – 20%

    Real Estate – 15%


    Stocks / mutual fu nd – 40%

    Government bonds – 3 0%

    Gold – 20%

    Real Estate – 10%

    Score 4-7 :


    Government Bonds – 50% %

    Corporate bonds – 10%

    Real estate – 5%

    19659013] Treasury / investment fund – 5%

    Government bonds – 70%

    Gold – bonds – 15%

    Real Estate – 5%

    model portfolio; you can always customize the same understanding and requirements.

    Source by Siddharth S

    Internet businesses are not the lazy people – Really

    Everyone has your own boss. How many people are dreaming about the internet business, they do not know they are likely to work a lot of hours in their online business as a 9 through 5. Not only are long hours, no paid holidays, and free woods during the break.

    Internet business requires discipline and hard work from all other things. Business may not require much money in advance and does not require much technical knowledge, but if hard work and commitment are not there, your business has little chance of success. If you want online business on the planet, there is a lot of research on the market that they are pursuing. This can take a long time and seems meaningless, but in order to get money, the entrepreneur needs to understand the market and the competition and that the market for goods or services is growing and changing.

    After understanding the product market, it comes out. Strong Internet presence is vital for creating an online business and it can take a long time. Even if the business owner does not have his own site and works on other sites, he should be present there. Marketing your site or service is one of the most time consuming tasks for an Internet business and requires time and resources even after you start business. Even at the top of the online food chain, Google should even advertise.

    As research and marketing have taken place, unless it is a purely affiliated business, it is still a product or service. This can be time-consuming, depending on what you sell. Most internet business gurus suggest that a sale product is sold and sold as a affiliate. This means that we provide something at some level, whether it's physical goods to be delivered or digital goods that can be sent by email. Maintain the system, even if it requires automated time and patience. Even if you are using an automated system such as Clickbank for digital products, it's still a mini-site check, fixing faulty links, retaining the current state of the information, ensuring proper checks, and placing the product on the market. on sales aspirations. Add the time to maintain this business aspect, and a front end product competes solely with your daily work time.

    Everything in the internet business, regardless of what you sell or marketing, things have changed fast. The bottom can be dropped from one of the markets that others can replace. The affiliate search site will stop or change its payment structure. Anything can happen that can change business forever. The business should be able to adapt and change with supply and earnings. This requires constant research and contains more dirt. It also advocates diligence and creativity to expand continuously and create new markets and new revenue sources. Of course, there is no boss, but it is still not easy. Worth it? You have to believe it better.

    Source by Gray Rollins

    The need for corporate social responsibility among corporate organizations in Nigeria


    The Corporate Social Responsibility (CSR) concept deals with the need for a strong and ethical ecology that reflects the broader social and cultural morality of society. To be able to develop this ecology, support must be given not only from governments but from all stakeholders, but not least from the private business sector.

    Over time, the private sector has always been subject to public scrutiny. The information today understood by corporate social responsibility was strongly influenced by the different economic systems, the evolution of the modern company and the corporate responsibility assumptions.

    Cadbury's 1909 example is a remarkable example when trying to put CSR into context. These questions were in many respects the same as today's. First, companies were there and many feel they have the duty to maintain certain human rights, even if they have no legal responsibility. Secondly, companies that purchase commodities or processed products were considered to affect the behavior of their products and take responsibility. These superiors were involved in the 1909 court case and have a central role in modern corporate social responsibility, such as ethical trade.

    Social responsibility was established in the early 1960's and 1970's, after many multinational companies created the concept of stakeholders, that is, their impact on an organization's activities. The owners of the company were used over interested parties as a result of an important book, "Strategic Management" by Edward Freeman; stakeholder approach in 1984. Supporters argue that companies produce longer-term profit prospects, while critics complain that CSR distracts the business's economic role. Others argue that CSR is merely a window binding or an attempt to prevent the role of government as over strong multinational corporations.


    "Social Responsibility" may also refer to Corporate Consciousness, Citizenship and Social Performance. It is a self-regulation form integrated into a business model. The CSR policy works as a built-in, self-regulating mechanism in which business activities monitor and actively support the spirit of law, ethical norms and international norms. Corporate Social Responsibility is intended to encourage the company's activities and to encourage its positive impact on the environment, consumers, workers, communities, earthquakes and all members of the public who can also be considered as spinal nurses.

    The purpose of CSR is to support the organization's mission as well as a guide to the company and support consumers. Development business ethics is one of the forms of ethics applied, which examines ethical principles and moral considerations, and problems in the business environment. ISO 26000 is a recognized international standard for CSR. The public sector (eg the United Nations) fits into the triad end point (TBL). It is widely accepted that CSR insists on similar principles, but there is no formal legal regulation. The United Nations has developed the principle of responsible investment as an investor organization.

    Sustainable Development Business Council in the publication; that Lord Holmes and Richard Watts set up good business sensitivities, defined corporate social responsibility as a continuous business engagement to ethically look and contribute to economic development while improving the quality of life of work and their families, as well as local communities and society.

    Well-functioning CSR assists in supporting the company's business purpose, builds relationships with key landlords whose opinions are most sensitive during difficult times and reduce business costs and maximize efficiency.

    Challenges to Corporate Social Responsibility

    Criticism and critical criticisms reflected the concept of CSR and made the audience vulnerable to the existence of social responsibility. One of the challenges faced by this concept is the challenge people use. We assume that we are talking about responsibility, how it performs the basic function of the company – not just money-making companies.

    Some key arguments and some answers derived from CSR:

    1. Owners are owned by their owners – the money spent by CSR for managers is the owner of the ownership of the company's shareholders. This is obviously the laissez faire 1980s voice heard by lawyers such as Elaine Sternberg who argued that there is a human rights case against CSR, which means that a stakeholder approach to management deprives the owner of their property rights. He further explained that the goals set by the traditional views of social responsibility are absurd. Not all aspects of CSR, however, are guilty, Sternberg added that all companies need fair honesty, honesty and equity.

    2nd The leading companies reporting on social responsibility are basket issues – they argued that most effective business leaders do not waste time on CSR. This argument was that CSR is merely a cosmetic publication and that, when surveys are among the most respected business leaders, they often find names such as Microsoft Bill Gates, some years ago, did not achieve world-class status during game play , Welch still remembered the brutal downsurf with which he was doing business, and environmental incidents and prosecutions. Furthermore, pointing out that Microsoft was one of the highest levels of recent dominance in the market, and Gates was able to reach the financial status where it could be cruel in the business. They noted that this point implies that True people do not commit to CSR and do not live in a world where value is always considered to be rewarded.

    3rd Companies have overcooked the hard times to do so; we can not afford to take our eyes off the ball – we need to concentrate on the core business. "It was claimed that it was good for large corporations who could issue huge sums of money to CSR and that their companies did not have the capacity to reproduce the same gesture for society. Moreover, for those who are struggling to survive, it is very difficult for them to do the same. Saying you can not spend money on unnecessary edges when you stop people and the morale at Rock Bottom. And the odd part of the volunteer worker will not make any difference to the Company if it feels cynical and negative about the company's operation. They have argued that managing social responsibility is like managing a business, and it can never do too well. No matter how much you want to be happy with society, you never considered enough for babies, and that's why it was the essence of practicing futility.

    4th The task of politicians is to deal with all these things. We do not have the role to play. This view is of the opinion that the Business has traditionally gone beyond the lending and public order. We will do what we can afford. They believe that the government is solely providing services and providing a legal framework that tells how the society will subscribe and that there is no point in preventing smoking from being legitimate – and then behaving as if the tobacco factories would immediately pass. – If you think it's so terrible, you should be banned. If not, then all of us must contribute to the job to meet demand for adults who can choose.

    5th I have no time to do so, I have to get out and sell more to get our profitability. This group of people is of the opinion that there is not enough time to implement CSR and that they must have time and energy to reach the need for a profit line so that the company can compete competitively.

    6th Companies are not really interested – they are just tempting the poor and the environment to have their obscene profits. Some companies are not really interested in contributing to the development of their host community, but are inclined to harm the environment for their business. Such companies are, for example, Oil and Gas Exploration Companies that, without adequate compensation or the appearance of CSRs, reduce their inclusive environment that is sufficiently proportionate to the degree of destruction caused by their immediate environment. massive rise against them, where host communities embrace them and make the region uninhabitable. This can be seen in Nigerian communities, such as Ogoni's In Rivers, where illiquitous and inhumane activities by oil companies have, by their nature, caused them clean rivers and air pollution to consume and breathe.


    It is not appropriate to discuss the concept of corporate social responsibility without taking into account the perception of other parts of the world. Corporate Social Responsibility (CSR), which engages the company in its impact on society, can contribute to sustainable development and poverty reduction in the world. But what can be asked is that the CSR model developed in the West is best suited to CSR institutional and management models exported to other parts of the world, but not always very successful. In view of this, it is considered appropriate to study different models of the world in order to balance the need for CSR.


    Traditionally, in the US, CSR was defined in the Filantrop model. Companies gain profits unhindered unless they meet their tax obligations. They then donate some share of the profits for charitable reasons. It seems that the action of the company is to benefit from the donation. Americans do not see corporate social responsibility as things like morals or traditional ethics; they rather see something happening that perhaps looks at the entrepreneur's human friends. This is evident from the various criticisms that the concept has resisted. Simply summarize the conclusion that organizations generally do not want to incorporate the culture of social responsibility into their different communities without being mandatory. In order for all business units to be socially responsible, it is necessary to make laws that force compulsion and the consequences of omission.


    The European model focuses more on the operation of core activity in a socially responsible way, complementing investment in communities for solid business cases. This model is more sustainable because:

    Social responsibility becomes an integral part of the prosperity process, which, if appropriately addressed, is necessary to enhance business competitiveness and to maximize prosperity for society.

    When times are tough, the incentive to practice CSR more and better – if it is a philosophical practice that is peripheral to the core business, it is always the first thing when times are difficult.

    CSR's business definition, however, can be characterized by doing business that meets or exceeds the ethical, legal, commercial, and public expectations of society.

    On the other hand, the European Commission handles its reception with two definitions:

    1. A concept that companies voluntarily undertake to contribute to a better society and a cleaner environment.

    2nd A concept in which companies integrate social and environmental concerns into their business and volunteer interaction with stakeholders.

    When both are critically reviewed, they largely agree that the definition now focuses on how it affects the management of its core business. Some people continue to learn how to figure out how far companies are going to address their impact on their territory, especially outside this area, to contribute to achieving leadership and social goals. This is a key difference when many business leaders feel that their companies are poorly equipped to pursue what social goals and activists envision, arguing that companies have no democratic legitimacy to acquire such roles.


    Public opinion should not be underestimated in business as it can determine the existence of a business venture and its competitors. If the concerns of the Going-Concern principle become apparent, then the reputation and ability of the Company can be well established and managed in such a way that the company clearly shows the setting of a Good and Responsible Business. This is only possible if the company has a true and German interest in the well-being of its citizens in the various management of corporate social responsibility. Undoubtedly, people like to associate with businesses that have a good reputation. Therefore, a concerted and intentional effort is needed to continue this course.

    Goodwill, as we all know, is immaterial in nature. Its quantity or value can never be summed up during the action, and this can be the difference between one business and the other. Creating a good business reputation as responsible business clothing will differentiate you. By doing so, the organization is widely accepted by people by having their own feelings, promoting competitive competitive advantages between competitors and becoming an ongoing partner. Business perception should not be underestimated, as this may be a thin line between prosperity and destiny.

    Well-thought-out CSR helps build a good relationship with key landlords whose opinions will be most valuable during your opponents and insecurities, and will lower your business costs and maximize your efficiency. Finally, this may affect the choice of Doing Business people. It's best to have a company appear as a partner and not an enemy of People. This course will affect business. Even the cost of business can be. Some customers handle not only responsible business clothing but also insist on it. Often, it is a good idea for some companies to purchase business clothing that is responsible for introducing responsible policies, as this can have a positive impact on how customers perceive them.

    Business leaders, however, corporate social responsibility must be considered as good relationships between companies and the Society for their own benefit. Based on the above, it is important to make the most of corporate social responsibility activities public by making sure that customers, suppliers and the local community know what they are doing. CSR is thanks to Good News Stories. Such publicity can create the charm of using CSR to win many contracts.

    It is known that people want to buy from businesses that are respected and approaching, and a company has been found to have social responsibility.

    Nigerian Experience in Corporate Social Responsibility

    (Nigeria Governance and Corporate Social Responsibility)

    A fast-growing trend in business is the development of corporate social responsibility packages for multinational corporations and other corporate bodies. This is not linked to public opinion about the adverse effects of day-to-day business activities on businesses, how it affects the environment, the economy, and the lives of host communities.

    Corporate Social Responsibility is a standard that a company associates differently to affect society. Its ability to contribute to sustainable development, poverty reduction, vulnerable and older citizens, and contribute to the national economy and private enterprises. This is rapidly becoming an apology for fraudulent misuse for social responsibility and environmental protection to maximize profits.

    From Oil-Multinational Companies in Nigerian Delta Nigeria, Telecommunication Giants, Drug Producers, Until the Consolidated Banking Sector. Well-published charitable and philanthropic businesses, such as corporate social responsibility (CSR), have become very popular for designing abusive publicity. Over time, Nigerian multinational corporations simply sign agreements with the indigenous government without distinguishing between direct host communities. Of course, this is what illustrates the protracted agitation of the Oil-rich Niger Delta, as multinational corporations have been constantly violating environmental rules for decades to the detriment of host communities in the Ogoni lands and criminals in brutal violations. human rights in these communities is a successful civilian and military government.

    When the late-dictator's dramatic government, General Sanni Abacha, for the Mozoni Movement and Ken Saro-Wiwa, and eight other members of the Mozoni Movement, made the Ogoni People's Resistance (MOSOP): Against Local and International Outrage in 1995 Oil Multinationals such as shells, can not release themselves from the complicity of the murders because they have been unable to satisfy the legitimate needs of host communities by reducing environmental pollution without any tangible compensation without spillage or gas blowing. Shell would have been regarded as socially responsible if the hosting communities, the development of social infrastructures and the payment of their rights and compensation to the abuses in question had been substantially facilitated rather than the deception of host communities in spite of the non-khalant government who ignored this Outside the court of jurisdiction for damages against the shell of Ogoni Martyrs.

    In order to overcome such abuses, the government's budgetary responsibility towards citizens must be in line with the corporate social responsibility activity for the people. This will help eradicate generous violence in the ever-resting Niger Delta and in the southeastern part of the country where the militia, the vandalism of the pipeline, and the latest kidnapping of the mighty Ransom criminals are getting bigger. The recent history has shown the military's impact on national security, socio-political activities and the economy. They give a look at the riots that led to the announcement of the state of emergency in Bayelsa in 1998 to withdraw oil molecules from the region and partly and definitively halt oil production in the country.

    The latest settlements of Pfizer's international drug giants have begun a lawsuit against malnutrition in the Kano state during a meningitis epidemic on child abuse and the other on misuse of corporate social responsibility. The company and the parties concerned agreed on a $ 75 million settlement. Pfizer's spokesman, as quoted in the Associated Press Communication of 29 July 2009, confirms that Pfizer is based on the 1996 study, which was approved by the Nigerian Government with the consent of the participants. the parents took the priests and the study was consistent with the Nigerian laws.

    Pfizer's offense to our children with experimental floating birds: if the government asks for help in the endemic outbreak, it is untenable. It does not release Pfizer to unlock the unfortunate incident and accuses the government of being a criminal offense as non-injured victims, the Children are the constitutional discharge of the public debt function to the citizen under the 2007 Fiscal Responsibility Act. By failing to verify the facts about the risk of such an unprecedented experiment of such innocent children, the government, which has become a major misuse of multinational and governmental crime. This prompted Richard Altshuler to argue that the settlement agreement accused the victims in a short time and received millions of dollars of Nigerian officials. Even the government can reach $ 10 million as a litigation.

    Also denies the corporate ethics of corporate social responsibility when Pfizer wants to transfer the remaining funds from municipal money to the local government fund against the early agreement that the remaining $ 30 million will be spent on building the state metropolis hospital. Moreover, the misinterpretation of the turn of events is a real corporate social responsibility. This is because even damages money, which is a punitive action, can not correct the nasty event.

    In the telecommunications sector, multinational corporations are also in this sector of the CSR philanthropic buzz. MTN, for example, was created by the MTN Foundation and the Child Risk Improvement System (CARES) to provide psychosocial support for the child's social and psychological support. This project was aimed at children who lost both parents: it is no doubt a commendable initiative. But it must be seen that this is encouraged to sponsor a wide range of scholarships and laboratories and cancer care equipment in schools and Nigerian hospitals.

    In the light of the above, the holistic approach is unworthy of real corporate social responsibility in our society. The government needs to create a supportive environment by aggressively handling security, power and poverty issues at the highest minimum. so multinational corporations have the opportunity to meet the Triple Bottom Line credo; profit, environmental protection and the maintenance of social justice. While the federal government is struggling for the security of private businesses, despite the good governance of its citizens and its other obligations towards its multinational partners, the Nigerian government must be worthy of the trust of people in multinational companies, a double standard for oil spill prevention, timing of gas weapons eradication to fair relations with trade unions in their business.

    In the light of the above, the holistic approach is unworthy of real corporate social responsibility in our society. The government needs to create a supportive environment by aggressively addressing issues of security, power and poverty. Thus multinational corporations must comply with the Triple Bottom Line credo; profit, environmental protection and the maintenance of social justice. While the federal government is struggling for the security of private businesses, despite the good governance of its citizens and its other obligations towards its multinational partners, the Nigerian government must be worthy of the trust of people in multinational companies, a double standard for oil spill prevention, timing of gas weapons eradication to fair relations with trade unions in their business.


    The term CSR has three main keys to the Nigerian organization; include Philanthropy, economic support and compensation. Philanthropy refers to a humanitarian and charitable service run by corporate organizations to the people. Companies are well-versed in their activities to make people feel comfortable with their operations. Local communities often have an unforgiving amount of money for community development, cultural practices and festivities.

    Another activity of the Nigerian Institute for People's Costs is considered as an economic aid. In this case, corporate organizations help provide social services such as portable water, school building and maintenance, park maintenance, support for basic and basic care systems, the introduction of authorization systems, and less privileged.

    The third is the compensating CSR thread that gradually gains ground. Organizations compensate the Nigerian government, communities and individuals for some breaks in the manufacturing process. The three strands of corporate social responsibility can be viewed by various organizations in Nigeria, such as the United States of Africa (UBA) and MTN Nigeria.

    Source by Newton Obanore

    Network Marketing offers people the real chance of creating financial security and independence

    This unique business deals millions of distributors every year with billions of pounds a year. It takes place in nearly 100 countries around the world. Praised by leading business people as well as heads of state to boost the economy. Still, most people in the United Kingdom are still completely confused.

    Network marketing has created millions of millions and spread this exception to millions, but just what is the reality of this business?
    So what is network marketing?

    Network marketing is based on the concept of "networking". We all have people we know in the circumstances of our everyday life, and each one has its own knowledge, collections, family and friends. Network Marketing not only sells products, but also offers business potential to potential new distributors who will then launch the process of selling and recruiting their own networks.

    In network marketing, services and products are distributed to end consumers through the network of self-signed distributors or agents (hereinafter consultants). These distributors are financially rewarded in two ways: a) from the sales responsibilities and overwrites, and b) their network contribution to the new "enrollments" to downline distributors. The network marketing business model works from the distributor to the consumer price difference. If registered registrations generate sales, we get a percentage of the sales price difference and so on.

    Network marketing is usually accompanied by pyramid or pontiff scams. This is because the main structure of the two models can be fairly similar at first glance. However, if we look closely at the models, there is a big and decisive difference between them. The most important difference between the legal network marketing company and the pyramid scam is that it offers the first real products and services, the latter only promising opportunities and generating money from the registration costs of registered members. Pyramid scam re-enters incoming money from newly-paid members [#] pays to enter the system and does not generate any profits from other efforts. The founders of the scam benefit, while the financial burden mostly leaves not all of them, leaving the lower lines.

    o Because the networks are widening, the individual leader will benefit not only from their own sales, but also from one percent of their sales from their network. As more people join the network, the remaining income is growing.
    o Network marketing allows distributors not only to outpace the network to sell the product, but to downline lines up to a limited depth or even infinity. However, the two terms are generally used without discrimination.
    o As with any other home business, distributors need to work hard, courageously and resolutely. Finding a good sponsor is as important as finding an interesting product and a good compensation plan that provides flexibility and reward for effort. Contrary to expectations, the novice has the same success as the long-term sponsor, provided the required research and skills are done. It's not necessary initially, "and in some cases, it may be more difficult and risky to join the beginning than at a more mature stage. Network Marketing is specifically tailored to married women with family responsibilities, as it offers them the opportunity to start a part-time business with little capital entrepreneurial women are able to base their talents and maternal skills on building businesses based on the founding and support of others' efforts.

    Two trends lead the industry:
    a. A general shift towards self-employment.
    b. People seek a better way of life – They do not want to work 40 or 50 hours a week to pay their bills.

    For many people, Network Marketing is the only way to create financial freedom for the United Kingdom

    A business magazine wrote: "Network marketing is so far ahead of the competition when it comes to money and lifestyle that is in its league."

    With a traditional career you only pay for working time. When you leave your employment monthly salary and all you stay is your experience and sometimes your retirement, which is rarely enough to live. Network marketing is completely different – Your efforts are multiplied by helping people succeed with their business, so your investment often returns, time and financial freedom. The longer you work on it, the easier it will be. The more you help others succeed, the more successful you will be.

    "Network marketing offers people the opportunity to build their own business with small capital, in their own time and with a sponsor who is willing to help them in every step." Prime Time Magazine

    As you take advantage of your efforts, you create a "residual revenue" by getting enough people to reach. In time, we can create a really passive income that will pay you long after you've done the job.

    Network marketing offers people the opportunity to build their own business with small capital, in their own time and with a sponsor who is willing to help them in every step. "Prime Time Magazine

    Creates" residual revenue "to help you make your efforts – helping people succeed with success and generating a truly passive income for a long time

    See this
    In the US in 1995, : About 100 people who work under the age of 25 are 65 years old …

    o 63% depends on social security, friends or relatives
    o 29% are dead
    o 3% are still work
    o 4% have sufficient capital for retirement
    o 1% wealthy [19659002] Network Marketing Questions Generally Questioned

    Q.Can Can Successful Have Network Marketing Successful Part-Time? .. are really very common in a part-time without giving up the current source of income while Network Marketing does not produce the necessary income. And the best part is that you can continue working indefinitely on a part-time basis. What could you do if you were financially self-sufficient and most of your time was free to do what you liked? That's why there are so many people at Network Marketing. And for that reason, say, Network Marketing gives freedom to a free business!

    Q. Should you give it to the door-to-door or to the parties or meetings?

    A. No. One of the most important features of Network Marketing is that success can be achieved through a number of methods. You choose the methods you are comfortable with. We use wonderful internet technologies within Tiscali. They do not deliver products, do not collect money, no party planning meeting!

    Q. Is not Network Marketing one of those pyramid schemes?

    A. Definitely no. Although network marketing and pyramid schemes do not show similarity, there is a very important difference to the latter illegally. In pyramid schemes, income is only the process of getting others into the pyramid. Sometimes a product or service of a value in question (which will never be delivered to the public on the go), but usually what you buy is the right to add others to the system. This is illegal. In addition, in the pyramid schemes, those who first arrive and who are at the top are all lost. In a lawful network marketing company, however, distributors are only paid for product movement; not in recruiting. Both wholesale and retail. In addition, there is compensation for training and management of the marketing team. And unlike the illegal pyramids in Network Marketing, no matter where you are or if you are joining, you can go to the highest level of income and earn more money than over the network.

    Q. I'm not a seller, so this is probably not for me.

    A. In fact, studies have shown that people without marketing experience have a great performance in network marketing. In fact, studies show that they are often better than those with previous sales experience. This is because network marketing is not about selling; at least not in the way most people think about selling. There is no place for winding or high pressure techniques in network marketing. Rather, Network Marketing is simply about sharing the concept and products of Network Marketing that you use and excited about.

    Q. How Much Money Can I Do?

    A. The point is, you get out of what you've got. It works … if yes. But that beauty too; you control it; How much do you think it is worth? And do not forget that the income generated by Network Marketing is a remnant. This basically means that work to date can not only earn money today, but also in the coming years.

    Q. How important is sponsorship in this business?

    A. It's … it does not matter how intelligent, rich, energetic or dynamic you are; we are all limited to 24 hours a day. However, sponsorship can eliminate this limitation. By sponsorship, you can basically clone yourself and dozens, hundreds, or thousands of people can work indirectly on your behalf in time and get what you are doing. Sponsorship also provides security in this area. Why? In most traditional businesses, what happens when you are ill or disabled and can not serve your customers? Or would you like to have a long, long vacation? Whatever the case, you can lose most if you do not have all your income overnight because you rely on being there. This is not your own life, and this is certainly not financial freedom. However, through the process of sponsorship and construction of network marketing, it can create total financial freedom. With a downstream job for self-employed businessmen, you do not have any eggs in a basket anymore. On the contrary, since all people in the downlink have an interest in continuing and building their own businesses, they generate income that does not depend on you – an income that can continue or even grow infinitely or without it.

    Q. Do I need to store and transport products?

    A. Most network marketing companies today allow distributors (and often even retail customers) to order directly from the company. At the same time, the company monitors your accounts, credits your account, and automatically sends you a check for the full amount due.

    Q. Network Marketing is not another "get-rich-quick" system?

    A. No, "get-rich-quick" is a fairy tale. This does not happen in the real world. Of course, there are some exceptions, but extremely rare. In fact, if the nightmare is your dream, your odds are likely to play better in the state lottery than in business – in every business.

    Q. I could not get involved with Network Marketing. This is not a "real" business.

    A. It's really real. Network Marketing is now a billion-dollar industry, involving millions of independent businessmen and large US companies such as Colgate-Palmolive, Gillette, Sprint and MCI. And this is a fast-growing international force as thousands of network marketing companies operate in Canada, Mexico, Europe, Japan, Australia, New Zealand and the Pacific.

    Q. If Network Marketing is so great, why is there no more people involved?

    A. This can be summed up in one word: misconceptions. The general public simply does not understand what network marketing or opportunity is. But it will eventually change. At present, we estimate that only 2% of the US population are involved in network marketing. But industry experts predict that this may rise to 10% by the end of the decade. You can set yourself to take advantage of this trend if you are starting to network marketing now. Timing is great for working together!

    Q. What are the costs involved in starting and running such a business?

    A. Virtually any Network Marketing company requires you to first buy some "Starter Kit". This is a one-time cost, usually less than $ 100. Plus, of course, there are monthly costs for office supplies, postage, advertisements, and so on. Between 50 and 150 pounds of snow is likely to be a realistic expense. Anyone can afford this amount without jeopardizing their current lifestyle while trying to create a better one. And here are some good news – most, if not all, tax deduction.

    Q. What if I can not afford to buy extra products?

    A. I should not. Network marketing companies just want the products you buy from elsewhere, where Network Marketing produces the same but higher quality products. This will probably save you money as you buy now. Plus, it just makes sense to buy it yourself – buy a "own shop."

    Q. I've been trying to network marketing and did not work for me.

    A. Suppose he was moving to a new town and he decided to come that night. Unfortunately, the restaurant you raised was terrible. But just because it is one of the worst experiences, I certainly do not swear to eat at other restaurants in town, right? Of course not! Network marketing is no different. There are decent Network Marketing companies, great Network Marketing companies, and yes, even some bad Network Marketing companies. But Network Marketing Works! Just be connected to the right company and the right opportunity at the right time. See MLM RockStars.

    Q. At present I have no cash to participate in Network Marketing.

    A. Get it! If you offered a brand new £ 60,000 Mercedes for you 1,000 pounds, would you find some money to buy it? Go and get the money because your own Network Marketing business could do much more than Mercedes.

    Q. I see that others have been successful, but I do not think I can do it.

    A. All ages, all backgrounds, all the moves of life in Network Marketing today. If you have a desire, then Network Marketing succeeds.

    Q. If I'm halfway sponsoring the country, how do I get a response? And what about training?

    A. Free advice and assistance from a sponsor, other upline staff (and often from corporate network staff at Network Marketing) is a phone call. Faxes, email, voicemail and other new technologies provide fast and efficient communication up and downline … regardless of where they are located. As far as Distance Learning is concerned, you can easily manage it on video courses, phoned seminars, books, online computers and telephone conferences, etc.

    Q. I do not have time to start the Network Marketing business. There are too many iron in the fire.

    A. That's why it's worth considering network marketing. In addition to creating financial freedom, Network Marketing expressly provides you with a personal freedom to do all the things you really want to do in a lifetime.

    Q. Do not you need to enter the beginning to make real money? Does not occur saturation?

    A. This is another big misconception that the media has captured year after year. The fact that there has never been evidence of "saturation" in network marketing. This topic was discussed at the same time by US courts, and this was the conclusion of the courts. Secondly, notice that since Network Marketing is still a very young industry, there are hundreds of millions of lookouts around the world that have never heard of Network Marketing. It takes years to do the tooth. But here is the most important reason why "saturation" is a myth: Timing. Only in the USA, tens of thousands of brand new perspectives each year "each year, among the numbers, the young adult who just got to the stage of their lives, where he would consider (and afford to) start a business, and there are the thousands who are just they have experienced a significant change in their lives due to changes in the workplace, at home, etc. The same people who had not been able to look any way or could not have been able to see Network Marketing a few months ago, are suddenly very open to the proposal.

    Finally, business people who are recognized by the Internet agree that Network Marketing is one of the greatest opportunities of today. [196599054]

    Source by Majid Hussain

    Apple Recipes for Autumn Apple Taking

    Falling fast, it's time to start thinking about the wonderful aroma of baking apples in your home. If you live somewhere where apple grows, you know what I mean. Taking Apple brings many apples to use a number of pleasant trips, but sometimes the same recipes are repeated over and over again. There are so many things that can be made with apples and not all sweet trees. In fact, you can cook apples as well. Adding the apple's delicious flavor adds a wonderful touch to many meat and some vegetables. The listed are just some of the great ways to use all the apples you gain with the advent of the next enjoyable apple picking.

    Apple Pork – There are many varieties of apple pork chops. I found one on the internet, though this was particularly pleasant. The recipe combines the thick flavors of apple and onion to create incredibly good contrast. Sprinkle the apple, the brown sugar and the onions to make sweet and tinces sauce to use clean, succulent pork. The whole family will love apple pork slices. You can search for an online recipe or even your own creation.

    Apple stuffed chicken breast filled with this recipe stuffed with boneless chicken breast apples and delicious cheddar cheese filling creamy, sweet stuffing. It will be so guided to cut the delicious chicken and taste the contrasting taste of your favorite cheese piece and the seeds you have chosen. The rice goes great with this chicken because the stuffing is delicious. Everyone wants this recipe after he has prepared for them.

    Making Your Own Potpourri – If you already offer large quantities of apples at home, there is really no reason to buy potatoes. You can steam apples alone or add other wonderful fragrances to make a more complex smell. Add a lot of cinnamon, orange peel, peanut extract, or any other element that has a wonderful smell to make homemade cash, which can do everything you can in a store.

    Roasted Apple – Many people follow these complex apple recipes, but can simply return the whole apple for a simple enjoyment. There are many ways to do this, all you have to do is find the best you like for a recipe. Everyone will love fried apples and do not have to make a slave in the kitchen.

    Finally, what would happen without at least a delicious apple would be sharp. Not much more than brown sugar, oatmeal, cinnamon and, of course, apples, this is a very simple recipe and warm and curly treatment that awaits each and every preparation.

    This autumn, experiment with apples and find something new that will please the whole family.

    Source by Matt Hosty

    Baby Bottle Warmers – Why You Need It And What It Benefits

    Baby Bottle Warmers – why do you need them?

    Mother should be cautious in pumped breast milk or formula. If you breastfeed your microwave in a microwave oven, you may change the milk composition that results in loss of certain anti-infective properties and nutrient content of the milk, even if you have a microwave for a short period of time. They are therefore very effective and why they are bought by the newborn's parents. Breasts are usually very sensitive to warm temperatures and are very easily losing vitamin C content. The warming breast is also ineffective in the stove because the middle spike causes the temperature to cause the bones break. Just like microwave breast milk, it quickly causes minerals, immunologic properties, vitamins and microelements to lose. What can you do? Pumped breast milk may be in a sterilized bottle and run in hot water for ten minutes, but who wants to do it when a newborn screams because it's hungry? The same formula. For years, doctors claim that microwave baking forms cause terrible heat dissipation, which can cause infants' mouths and warmth of the belly. Although most people shake the bottles to avoid this – it does not always work because the heat is usually conglomerated again. Warming up water is a much safer method.

    How do you use infant bottles?

    Most can easily heat the breast milk and formula for about one to three minutes. They are very comfortable, because if your baby's room is upstairs, you can keep it warm. By changing your newborn's diaper, the baby's warming heater can easily warm up with 3 or 4 ounces of milk. It is very easy to use, fast and reliable. You never have to worry that the new babysitter will cook a bottle in the microwave oven. I bought a Philips Avent iQ Bottle Bottle and it works like a charm. You only add water to the tank and choose the setting. Put the bottle and close the lid and let it go. Baby warmers warm milk quickly evaporates water and heat milk without hotspots and without breaking the milk composition. Now that the baby is about 4 ounces, approx. Within 3.5 minutes, I can heat the bottle to heat the milk to a perfect temperature.

    Did you know that breastfeeding or nutrition would be such a science? In addition to the above-mentioned great benefits, I find that the baby just prefer warm milk, so it's perfect for me. It is very comfortable, it does not occupy much space and can be easily inserted into any closet if I'm ready. Very compact and transferable to all rooms! There is a small tip that the bulk of the bottle is warming up – if you can use distilled water, do it. Otherwise, if you use tap water, the bottles of the bottleneck heaters will be built.

    So the baby bottle is needed?

    I think so. I think if the parents are feeding the bottle, their baby will pump the breast milk at the same time, if absolutely necessary. Not only has many advantages but is very easy to use. Add the water and stick to the bottle. When it gets warm, baby's baby warms up and that's it. Shake the bottle and feed the baby. Infant bottles on the market are able to hold both thicker newborn bottles, short, tall, or thin bottles. They work very well during the night and can do the whole process with one hand.

    Which would I recommend?

    Definitely Philips Avent. It was fantastic for my husband and myself. The First Years Night & Day bottle warming system is good because it is a glass cooler. If I did it again, I would probably buy the Gerber bottle heater or the Munchkin Deluxe bottle and food with a warmer cleaning rack. The Gerber Electric Bottle Heater offers great reviews and fantastic travel. The Philips Avent Express Baby Food and Bottle Warmer is also a large baby bottle warmer.

    Remember to use a microwave oven for pumped breast milk and never recommend baby glasses. It is not only difficult to judge how long it is necessary to heat up the glass, because it breaks down and loses minerals, immunologic properties, vitamins and microelements very quickly. The hot spot is a threat to sensitive infants. You can run the bottles with hot water, but wait 10 minutes and keep checking. This is the greatest gift we have received for our newborn baby. These are revolutionary new products that frozen breast milk is very safe, fast and without the need for vitamins and nutrients important for babies. Advanced thermostatic controls and thermal fuse allow hot water bottles, disposable bags without boiling or overheating of frozen pumped breast milk. Another idea – get a timer!

    Source by Joe R. Knoxville

    Black kitchen accessories and lighting

    Lighting is one of the most important pieces of kitchen accessories. This is especially true in black kitchen just because it really needs extra light. It's important to just make sure the room does not feel too dark and depressing because it really overwhelms the goal. Instead, you probably want a more dramatic look, especially if you choose to have a black-colored color.

    You can have a very traditional look. In this case, use only lead glass. The bottle is perfect because it wants to get the accent. His room is quite saturated. Instead, it becomes really lighter and clearer and you will really notice it, but it will make a huge difference in the room. There are all sorts of black pendants that can be coordinated with larger luminaires. In this case, it could be a star-shaped design. This has a vintage effect and can work in blue kitchen design. This is a modern way to make a vintage kitchen just because of the black and white traditional in this type of room. However, instead of black white walls and black accents, you will change black walls and white accents, which is due to the usual white walls and black accents, which is a pretty classic way for the kitchen. Just choose a light fixture with a simple glass shade that also truly provides the maximum amount of light in space.

    Another trend with which you can do this is more natural appearance. This is a lot of urgent relief in the dark room. In this case, only a spun shadow could be searched. This can be pretty cheap. It also delivers Zen's mood better. Of course, in basket and woven blinds, you can also keep continuity across the room for a homey touch.

    As part of the black kitchen accessories, you can also try the blend color with the lighting. In this case, it is more a shade of a blown glass type. This will be all the complicated ironwork and the various colors of lead glass. It will simply be sculpted. There is even a bubble in it. This is a chance to really get a quality piece of equipment so the room does not look too cheap. However, since it is a small luminaire, it will still be affordable and you can add a bowl of color to your room, such as turquoise.

    Source by Isobel Gibbons

    Make your senses with a hot balloon ride!

    You can not deny some things in life, and an exciting hot air balloon ride is one of those. Not necessarily an adrenaline drug for such tours. Ideal for all ages. Fear will never prevent you from going to the balloon for an adventure.

    Once you know exactly how it feels like floating in the air, it would not be too bad if you ignore fear of heights (if there is one!) And just get a big balloon to get started.

    I said that I felt. The moment the balloon leaves the ground, it feels that it is not just a moment. Ascension is so flexible, so gentle and very interesting. I saw that I was at cactus height, then I was above the cactus. I lifted slowly. Soon I felt that I was constantly raising up, in silence, and the basket was so calm that I was not afraid at all. Yes, I say: Drop your fears and go into the magical experience of the very hot and ecstasy filled air springs!

    Most hot air balloon companies offer balloon flights for an hour. After the balloon experience, breakfast is closed after returning to the geographic company. Due to the sudden increase in the popularity of a plane, it is very important that it is seized at least 2 weeks in advance.

    Did you know Rajasthan is India's most popular place to swim on a hot balloon? Over the Udaipur and Ranthambore National Park, start at the start of the sky with India's largest largest balloon.

    Do not forget that due to dependability on the weather, most bookings are temporarily received a few days from the main event. This ensures that the weather is ideal for traveling to the balloon.

    Then take a look at the landscapes below. The best way to enjoy the level is to go before sunrise. Start the day at the beginning of the day. This also helps in exposing those strong edges that tend to get up after sunrise. I'm sure you'll be excited to be on the launch site. Let the sunrise shine on his face. Look at the sun in the place where heaven meets the earth as it drifts quietly over the mountains and valleys.

    Source by Anil Tandoon

    Cure back with young people's understanding of how to overcome arthritis naturally

    In changing times, it is getting harder and harder to figure out the age of people by looking at their faces. Sixty is really the new forty. But the sign of personality often pays attention to it as they move. Often, the older the person gets, the more they go. They may experience pain when they open the pots or go up the stairs. The family history review provides the opportunity for a person to suffer from stiffness and pain offered by businesses.

    Not everyone who suffers from joint pains and stiffness wants to cure their problem. In an age where finding healthy alternatives to diseases is becoming increasingly desirable, natural exploration of arthritis is indeed the source of youth for those people who experience discomfort, even performing simple activities. It may be surprising that people suffering from arthritis find out that there are foods that prevent arthritis from fun lifestyle. There are some methods that teach a person how to beat arthritis naturally and return spring to their stairs – fruits, herbal treatments, exercises, vitamins and foods that really exist and are really a huge difference between for people. the damaging effects of arthritis.

    Maybe one person laughs and suddenly feels knees when the basket is raised upstairs. Or maybe they find themselves doing the finer job for the younger people. Even those hobbies and activities that people enjoy in themselves are sidelined when the pain and stiffness of arthritis appear more and more often. All of these things can limit activities and bring the joys of life to millions of people around the world.

    But that's not the case. By consuming foods that prevent the prevention of arthritis in people's lifestyle and learn to understand arthritis, of course one person can gain their body, health and future without expensive treatments that often have dangerous or unknown side effects. Of course, there are natural methods for treating inflammation of the joints and make a more enjoyable and healthy daily order.

    It may be confusing to understand how to overcome arthritis naturally. Finding all the foods that can prevent arthritis, hours and weeks. It would not be good if all the information is available in a simple report that would prove the most effective and proven way to treat arthritis naturally? No more ineffective tablets, creams and rub. There is no smelly smell and ointment.

    Is the end of medical visits that spend money and honestly call a person getting older? There is indeed such a report. A person must be as young as they feel. And feel like young people like them.

    Source by Cyrus Houston