Park Benches – Perfect for Creating an Inviting Outdoor Environment

A great way to make an inviting outdoor environment is to use park benches on your property. It does not matter if they are simple or elegant, a park bench will show your neighbors that you would like the outside of your home to be enjoyed by everyone. Park benches are also a great way to meet people since when people see a park bench in a nice outdoor environment, they usually want to sit down and relax for a while.

In a way park benches are a sort of open invitation for people to have a seat and relax enjoying the outdoors. They can sit down and take advantage of whatever you have around the outdoor areas of your house whether it be a beautiful garden, a pond, or just a nice open space to have a seat. Park benches will also create some beautiful outdoor areas where you can sit with friends and family just visiting or having a little get together. They are also a great place to sit with your neighbors and catch up on the gossip in the neighborhood! The inviting atmosphere that park benches bring about can be a great social atmosphere while enjoying the outdoors.

Park benches are also not especially for the backyard or front lawn as they can also be placed near the front entrance to your home or driveway. Having a park bench placed in the front of your property will give the message of openness to everyone passing by. If you do not want people lingering around your property you should not place park benches where people will be walking by as it can be sending the wrong message when in reality you do not want them hanging out there.

Park benches, along with most types of benches, can be made from a wide variety of materials such as wood, concrete, and metal. Some of the more attractive benches can be made of wood as there are several types of wood that are common with benches. Pine is attractive but is not one of the longer lying woods. Cedar and oak last a little longer and are very attractive woods as well. One of the better woods for benches is teak, which lasts longer and is a very beautiful wood.

One way to ensure that your wood park benches last longer is to weatherproof them. If you do not weatherproof your wooden park benches they can warp, split, and become brittle as well as being less resistant to insects. For metal benches it is also a good idea to coat the metal with some type of rust resistant covering to make sure that the metal does not rust and will stay more stable for a longer period of time. There are many styles of park benches to choose from whether it be a Hyde Park teak bench or a personalized concrete park bench. The style is up to you as they can be great additions for around the outside of your home.

Prosperity Investing – Tips For Your Financial Prosperity

Do You Know How to Fund Your Investments?

Welcome readers, and thank you for reading this post, "Private Money Goldmine". I realize that there are thousands of investment manuals and self-help books on the market, and that you could easily create another author's materials, but after reading my little known approach to increasing the return on your retirement investment money, you'll be certain you've made the right choice. What you'll learn in this article is everything that your bank, your investment counselor, your accountant and your attorney either do not want you to know, or do not even know themselves!

You'll find the secrets to investment strategies that only the wealthiest of investors have known for years. Be prepared to have your eyes opened to a world of investment opportunities that you have only dreamed of, but that can be a reality, right here, right now.

How long have you been waiting to grow your retirement savings into an amount that you're confident will keep you in the lifestyle to which you've become accredited for the rest of your natural life?

Or better still, an amount that you'll be happy leaving to your children or grand children to give them the start in life that you may not have had? If you're counting on Social Security to accomplish either of those goals, you're in for a huge disappointment. No, while Social Security may give you enough money to survive at the poverty level upon your retirement (if it's even still in existence when you get there), it will not begin to allow you the financial freedom to enjoy the lifestyle that you deserve .

Yes, your retirement "nest egg" is up to you to accumulate, and depending upon your age, some of us have more or less time than others to grow that retirement fund. That's exactly why I'm writing thisarticle, to educate everyone who's willing to listen, to the fact that your money will never grow fast enough to create a legacy for your family if it's invested in a vehicle that's providing an annual return of 1% – 5%!

No, you need a double-digit return at a minimum, coming to you by way of "passive income", if you want to create multi-generational wealth. But it does not end there. Actually, personal success is just the beginning of what I believe is my path of purpose in life. It's really a blessing to find out what it is that you are passionate about in life, and after searching for many years, I personally have come to the realization that my passion is helping other people accomplish their goals.

I have helped many people become first-time homeowners, helped others attract passive income into their lives, and now I'm ready to be the ultimate philanthropist. I'm ready to give in a way that I never thought I could give before, as well as show others that they can do the same thing.

Everyone is so fascinated by real estate, from the "flip this house" shows on television to the "no money down" investing programs sold on infomercials at 2:00 AM. Those real estate investors are not geniuses. They are average people, just like you and me.

It's just that they took hold of the information that they gathered and actually acted on that information. That's exactly what I'd like to encourage you to do.

Have you ever heard anyone say that he or she is a self-made millionaire? Is it possible to be a self-made millionaire? If you had asked me this question five years ago I may have believed that a person really can create wealth without the help of anyone.

"Self-made" clearly means to me that no one else had anything to do with someone's success. I only have one question to the self-made millionaires in this world. "What about God"? Where does God come into play in our narcissistic ways? Success does not come from a human being alone.

We should never feel that we do not need to acknowledge a higher power. From where I stand in my life at this time, the higher power is Jesus Christ. Without Him, I could not begin to do the things that I envision doing. If you recognize that a higher power is responsible for everything from making the earth to the heavens, you should give glory to the only Being that is really worthy the of the glory.

Everyone has a piece to a dream – something that they're passionate about more than anything else. Nine times out of 10 it's not the job that they're working at right now. Real estate investing is one vehicle that allows you to create massive wealth for your family and to leave a legacy.

Hopefully once you learn my techniques you will become more of a giver and you'll thank God for your blessings and you will believe that there are no such things as self-made millionaires. God-made millionaires are people like you and I who understand that alone, we are nothing.

This is my declaration to my Lord and Savior Jesus Christ. I acknowledge that all of my gifts and talents come from you. Give me the wisdom to teach your people to be givers and conduits of love. You are fortunate to have the awareness of the ministry that was instilled inside of you at birth. That ministry my friends, is a finance Ministry.

Most people do not have a clue about the concept of "passive income". The only thing they know is earned income, and as we all know, earned income is income that is totally dependent upon your personal efforts. I'm sure you know the routine quite well.

You get up every single morning at five o'clock to get the kids off to school, sit in traffic for 30 minutes on your way to a JOB (Just Over Broke) that you do not even like, only to walk into a world where you will be chained to a desk for the next 8 to 10 hours. At this JOB you will, by virtue of your job description, spend every day fulfilling someone else's dream.

You see, the owner of the company has a dream, and understands passive income. You, my friends, are his passive income. If your boss decides to take a vacation this week, his or her company will still operate and his income will not be negatively affected by his absence. Once you understand the concept of passive income, hopefully you will do whatever it takes to discover how to make it work in your life. Getting rich is not hard at all. It just takes "passive income".

Passive income applies to any business and any person. But what I'm going to do today is to show you how to use self directed IRAs (your private money) to create that tax free, passive income and capitalize on what I call the "Private Money Goldmine". I have recently discovered the power of investing in real estate with private money, and because of that knowledge I am creating a real estate empire for my family.

Real estate is the easiest way that I know to create passive income in your life and it does not require a Harvard education. So if you follow my steps and start thinking a little bit differently. Are you familiar with the power of a self directed IRA? It can truly transform your life.

This article is the blueprint for the average person to make fabulous amounts of money, tax free for life. I pray that this article blesses you the same way that is blessed me and that it allows you to triple your rate of return on your future investments.

As Always, Keep God 1st, Invest in People

Are You Thinking About Investing Internally In Stocks?

One of the big challenges an investor faces on a daily basis is market risk.

Working hard to satisfy your investment goals while at the same time limiting your risk and exposure to volatility takes a solid strategy, reliable information, and a patience like no other.

Sure, we've all heard stories of the home run hiring investor who laid his money down and made a "killing" in a stock.

These are the kinds of tales that grab the headlines and attract the interest of the "fast buck players."

"Steady as she goes" would be a more realistic view of how to invest. It is difficult to just wait for an investment to climb in value, but without patience and the fortitude to keep a long-term mindset, you're probably going to miss out on a solid move.

Using what could be called a butterfly approach and jumping from one hot stock tip to another can be the riskiest investment play of all.

Being patient is not enough though. If what you are investing in is oozing with risk, patience may not be the key to success. You devote your patience to solid investments and those with limited risk.

If you are an investor or contemplating investing in the various financial markets and instruments available, you must get into the flow of information.

Catching a thirty second or two minute report stating a company making an innovative new product that is going to revolutionize the industry should not be considered a call to action.

If you do not understand what you're being told to invest in … do not invest. Not having an understanding of what your money is invested in is comparable to sitting down at a high-stakes poker game without understanding the marks on the cards.

If you do not have basic investment knowledge to guide your decisions, your chances of making the right choices are limited.

It's simple; have a basic knowledge of how the markets work; have an understanding of what it is that you are interested in investing your money in; and most importantly, understand the upside and downside scenarios, in other words, what are the risks and more specifically the risk of losing your entire investment.

If you feel that the risk of putting all your investment dollars in the stock markets in the US is too great, perhaps diversifying into stocks from other countries is worth examining.

The mindset for many is that if the stock markets at home are suffering, there may be markets abroad that offer opportunity, because bad economic news on one front may be great news in another part of the world.

A quick example of such news would be the trade figures. If the US is witnessing a rise in imports month after month, you have to ask yourself; where are we importing from and what are we importing?

This could have the clue to invest in a company that consistently exports to the United States and the amount of its exports (in dollars) keeps rising.

On a more basic level; If a football team is having a terrible season, there is probably a team that is having a great season.

Think of it as; when two teams compete someone wins and in world economies, someone's bad economic news typically translates to someone else's fortune.

When you read a headline or story about some bad economic figures … ask yourself, "Who is on the other side of this?"

Who did well that directed in the US doing poorly? If the US did great, who suffered? Is this a trend? Is the company or industry showing real value in their stock price now?

Could this be just a fluke and there's a buying opportunity?

It pays to look past the headline and the story and into what made the story. Everybody hears news, but going the extra step and finding out what caused the news will give you better market insight.

If you think that you want to diversify in the international markets, you have to take into consideration what you stand to gain versus what you could possibly lose.

Currency fluctuation can boost a return on an investment. If the currency of a country you invest in increases against the dollar, when it comes time to sell, you'll get more dollars.

However, that can also work against you; the dollar increases against the currency of the country of the company you have invested in … and you'll get back fewer dollars.

Obviously, you want your stock to rise and a sweetener is getting a dividend (if it pays one) in the meanime. Keep in mind, markets rise and fall and companies announce separation suspensions, eliminations, or reductions.

This can happen in any of the world markets, not just at home.

Before you get too excited about international investment, you should understand that the US is not the only country where interest rates rise and fall.

The currency issue I mentioned, but worth mentioning again, currency fluctuations can hurt you.

In the US, you are fortunately because companies that list on the exchanges have to reveal a lot of information about themselves before they can be listed.

The rules are not the same all over the world, so investigate on your own, rather than trusting only what is offered to the public.

This would be of particular interest when it comes to the accounting methods of the companies and how they compute corporate and individual investor taxes.

Committing a portion of your investment dollars can be exciting and rewarding, but if you are not a savvy investor with a deep understanding of world markets, currency exchanges, tax laws, accounting, and company reporting practices, your personal investment risk will be very high .

I always suggest seeking professional advice when making any investment, be it; financial instruments, real estate, precious metals, or any of the other opportunities offered.

Take note, if you want to invest internationally there are alternatives to going directly to a foreign market and opening an account.

You may wish to investigate the various international mutual fund offerings, foreign companies that list directly on the US exchanges, or those that are offered through what are called American Depository Receipts.

The foreign markets always look inviting when our markets at home are showing some volatility, but with so many sectors in the US markets to choose from, it's not always smart to jump the fence into the yard with the grass that looks greener.

The more knowledgeable you are about investing, the better investor you will become. Multiple resources will provide varied opinions.

What one analyst loves, another analyst may dislike. Do your own research and do a lot of it, before jumping into the stock market because someone told you it's the thing to do.

"There are only two ways that you make money; you work and your money works … make your money sweat." -Lazz Laszlo

Electricity – Ground Fault or Arc Fault

If you were asked, "Who discovered electricity?" What would be your answer? I'm almost positive (a little electric humor) that Benjamin Franklin and his kite flying tale comes to your mind. It was not electricity that Ben discovered in 1752. It was the lightning rod. In 1800, Alessandro Volta manufactured the first battery capable to deliver a constant electric current. It was Volta, not Franklin, to discover electricity.

Many of the ways we use and deliver electricity today are still the same as in the days of Franklin and Volta. Differences in electrical potential between materials cause current to flow between them. Charges can be produced by rubbing fur or cloth over a non metallic surface. Metal wires are used to transmit electrons over long distances; but one property stands out the most. Electricity can kill!

Today, we have developed many ways to protect ourselves from the harmful effects of exposure to electric current. We use circuit breakers, surge protectors, arch fault, ground fault, and equipment grounding to safely control the flow of electrons from one place to another. Two of these safely systems generate a lot of questions. What is the difference between ground fault and arc fault?

Ground fault circuit interrupt (GFCI) protection has been around for a few decades. It is most commonly seen in areas where water is present. For instance, in modern homes, you will find GFCI protection in the kitchen near the sink, in the bathroom near the water sources, in garages, and any receptacles outside of your home. This type of protection guards against injury by monitoring how much current is flowing through it. If the GFCI detects a difference between the amounts of current leaving as opposed to returning, it shuts off. The missing current has to be going somewhere other than its intended destination. It's going to ground. A horrible place if you happened to be in the middle of the current as it's headed to ground.

Arc fault circuit interrupt (AFCI) protection has only been available to consumers for a few years. Like its parent GFCI, AFCI is designed to detect when electricity is not traveling to its intended destination. Unlike GFCI, AFCI is not protecting against the loss of current to ground. It is guarding against a broken conductor. These broken conductors are the primary cause of home fires in America today.

Primarily, AFCI is required in bedrooms. Bedrooms are notorious for having corded appliances, such as computers, alarm clocks, and desk or floor lamps in them. Many times the cords of these appliances are routed under beds, dressers, or carpets. This is not as safe as it looks. Cords are often cut by the items placed on them. Once severed, the broken conductor will arc. This arcing will continue until the metal is burned through or a circuit breaker trips. Often, the time between the initial cutting of the conductor and the tripping of the breaker is not quick enough and a fire breaks out. AFCI was designed to detect the initial arc caused by the severed conductor and immediately turn the power off.

In conclusion, electricity is the flow of electrons between items with differenting potential. If not properly controlled, this difference can have horrible repercussions, when people or property is in the way. Modern industry has taken great measures to protect us while using one of the most fundamental properties of nature – electricity.