Transforming Debt to Wealth

Dave wants financial stability and financial freedom.

However, he has a large mortgage plus student loans, personal loans, two car payments and credit card debt. His income just generates enough income to make the basic minimum payments. He is frustrated in that he wants to provide well for his family while building a nest egg for retirement.

What’s more, is the bank wants him to refinance his loans, or to consolidate his debts into one package. The result would be that he would be paying much more in interest to the bank, while the bank is generating more revenue by loaning out his deposits to other people at a high interest. Looking at amortization schedule he sees that in the 20th year of a 30 year mortgage at 4.5% interest rate, 37.7% of his monthly payment is going to interest!

This is not giving him the financial freedom and stability he desires.

I understand Dave’s pain. I too once refinanced my home then added my car into the mortgage. The result was a 30 year mortgage on my car! The bank won again!

There is a better plan the banks have told you nothing about. It is the Financial GPS system, provided by Worth Unlimited.

Testimonies

“This is the best debt-reduction system we have ever seen. We reduced our mortgage payoff date from 27.5 years to 8.3 years” – Robert & Denise

“This program is incredibly user friendly and takes minutes to learn” – Kimball & … Continue Reading ...

Video games are the most common forms of electronic games today. These provide human interaction with the help of user interface, input and output devices. Video games are played with the help of different devices namely the input controller, main console and a visual display unit. The users use a certain input device also known as game controllers to generate a visual feedback on the video device and all this is controlled by the main console.

The platforms via which video games are played have been evolving since the beginning. From simple pin ball machines to arcade machines, they have been played with different units. There are several platforms available for playing electronic games these days. The popular ones are namely: Personal Computers, Video Game Consoles and Mobile Devices.

Personal Computers

Personal Computers are one of the most convenient types of video game platforms available today. They can be desktop PCs or Laptops with special hardware configuration that helps users load up and run these games on their system. The hardware should include a powerful main memory and also a graphic processing memory known as GPU. Powerful GPUs are considered better for generating excellent output. Together with these and other common hardware of PC such as a display monitor, keyboard and mouse games can be easily played.

Personal Computers can also be configured with additional devices like joysticks to make the experience better. The experience can also be improved by connecting computers to big TV screens with the help of … Continue Reading ...

The world that children are growing up in today is far different from what I remember as a kid growing up. I was born in the 1980s, which was not long ago at all. However, with the speed at which technology evolves in the present time, a lot of changes have occurred.

When I was in elementary school, I played with action figures, like Teenage Mutant Ninja Turtles or Disney characters. There was also the Pogs craze and of course, Ty Beanie Babies. I can remember our first computer, it ran on MS-DOS, and the games we played were on floppy disks. I can also remember a time without the Internet. And also a time when AOL was the most popular Internet service provider.

The majority of my free time as a child was spent outdoors, weather permitting. I played with chalk, rode my bike and participated in outdoor games with neighbor kids. My friends and I went for walks and found alternate ways to occupy our time that did not involve an electronic device.

My friends and I made three-way calls on cordless phones that were twice the size of phones made in the present time. Further, my first cell phone, which was before even flip phones had been manufactured, had a grayish-green screen with black font and a four-inch retractable antenna.

Kids growing up in the world today have been exposed to a much different world. They have always lived in a world with the Internet, computers and … Continue Reading ...

One of the biggest debates going on in the country today is about the rising cost of healthcare, and the fact that so many of us are now unemployed and without insurance. Everyone says that there are affordable low cost medical insurance plans out there, but where are they? The President’s healthcare initiative plan will address this need, but a lot of it does not take effect until 2014, so what are individuals and families to do in the interim? This is an issue that needs a cleaner solution than what has been offered so far to be sure.

Finding And Keeping Affordable Low Cost Medical Insurance Plans

If you are employed, then you most likely already have affordable insurance plans available to you, and by all means keep them if you can. Should you become unemployed, you will find that those plans will be one of the first things to disappear, along with that paycheck. You will be offered the option of continuing with your current coverage, but you will find that it might be too expensive to continue. Instead of only paying a portion of the premium your employer paid to provide, you will now be carrying the entire premium on your own.

Before you decide to give up those plans, check out some of the alternatives first. COBRA plans will often charge up to three times your monthly premium to manage those plans for you, more if you have separate individual and family medical insurance plans. If … Continue Reading ...

When you as a real estate agent lease commercial property today, it is quite important to ensure that you have the right tenant for the property that can successfully trade for the duration of the lease. If you also have other tenants in the property, there will be matters of tenant mix to consider.

Let’s face the facts of today’s property market; there are lots of vacancies to deal with, so any way you can specialise the process and get to the key particulars, the better. Tenants and landlords will not always give you all the facts on first request.

To qualify a tenant for potential lease negotiation on any property there are some standard questions that you can incorporate into a checklist. To do this well you can have a checklist for each property type (office, industrial, and retail), so your questioning and qualification process is quite specific and relevant.

Here are some important facts to get into when you want to qualify a potential tenant to lease your vacant property:

1. Who are the tenants that you are talking to and where do they come from? Who is the decision maker to talk to in the leasing process? Make sure that you are talking to the right person.
2. Get them to summarise exactly what they are looking for in a property.
3. What access do they need to transport routes or ports? Will they need to access main roads with heavy or large vehicles?
4. Will they want special on-site areas

… Continue Reading ...

Once again, we can see that tube amplifiers are rising in popularity. In fact, they are considered high-end audio equipment. In the 1960s, the use of the tube amplifiers was almost abandoned. They were replaced by lighter but a lot more powerful transistor-based amplifiers. Today, they are back in the market.

In the past, tube amplifiers were the favorite choice of most audiophiles, recording engineers, and musicians of the world. In this article, we are going to talk about how these classic devices are becoming a new trend in the here and now. Read on to know more.

Today’s transistors can be connected to powerful loudspeakers directly. However, this is not the case with a tube amplifier. You cannot connect a tube amplifier to a loudspeaker directly. To make the connection, you need an output transformer as well. That is why these transistors are found in almost all types of tubes.

The problem with the transformers is that they add to the weight and size of the device. That is the reason you can’t find tube-based mP3 players in the market. On the other hand, the benefit of the system is that the amplifiers can deliver their highest power regardless of the type of speakers. This is the biggest advantage of having multiple types of connections for compatibility with speakers of different types.

Although you can’t get high power rating with the tube amp, the output transformer will be powerful enough to meet your power needs. So, your speakers will … Continue Reading ...