Just an update...I won the contest!! :)
Pumpkin Carving - 2012 Creation
Here's my latest creation! It's for a contest. It took a few hours to create. I basically found the picture online, enlarged it then taped it to my pumpkin. With a woodcutting tool I "traced" the outlines by making small cuts into the pumpkin through the paper. Then I took the paper off and used a black marker to outline. I had to decide what I was going to leave black-filled in...not taking away the skin and which areas I would "take away". I used woodcutting tools and the cheap pumpkin cutters you find at the stores. In addition I used a chopstick to poke all the way through. Any questions about how I did this just ask away!
Just an update...I won the contest!! :)
Thanks for visiting!
Just an update...I won the contest!! :)
Produce Codes on your fruits & vegies tell you a lot!
This is great information! Look at the PRODUCE CODES when you're purchasing your fruits and vegetables. They tell you a lot more than you think!
Conventional produce gets a four-digit number. This means the produce was sprayed with chemical fertilizers, weedkillers, herbicides or fungicides.
Organic produce gets a five-digit number that starts with 9. These numbers ensure that the produce was not treated with chemicals.
Genetically modified produce have a five-digit code that starts with the No. 8. This is produce that where man has intervened by manipulating the genes to produce a larger or brighter colored food. This produce may have been chemically treated.
Make it a great day!
12 Success Factors to Building a Business with Lifetime Residual Income
Which one would you be willing to leave out and still put in your time, money and effort with building a business from home?1. COMPANY TRACK RECORD
> Most companies fail within the first 5 years> Company MUST be in business a minimum of 5 years (10 years or longer preferably)
2. FINANCIALLY SOUND
> Company needs to be financial healthy
o Debt free is preferable
3. STRONG MANAGEMENT
> Strong Fortune 500 style management
> Company should NOT be ran by MLM people -
o They own the down lines and start making decisions to make themselves wealthy off the backs of everyone else
4. UNIQUE CONSUMABLE PRODUCTS
> Products must be highly consumable by ALL
> Products people are already buying
o No new money being spent
5. COMPETITIVELY PRICED
> Products must be considerably less expensive than the stores they are already shopping at
> Great value in being a customer
6. HIGH MONTHLY REORDER RATE
> 95% or more of your customers shop every month
o This is with BOTH business builders and customers
> If people aren’t ordering, they quit
o There needs to be overwhelming value to be a customer and stay ordering whether or not they’re making money
7. LOW PERSONAL PRODUCTION REQUIREMENT
> Low monthly order requirement with NO monthly quotas
o No matter what position you advance to in the company
8. LOW COST TO START
> Very low cost for anyone to join *Under $50.00
o No buying inventory with their membership fee
> The enroller should not be paid a bonus on this fee
9. LOW ATTRITION
> If people are quitting, theyʼre NOT ordering
> Must be overwhelming VALUE to be customer whether people are making money or not
o This is what creates life-long residual income
10. TIMING> No ʻground floorʼ deals
o What happens when itʼs no longer “Ground Floor”?
> Bad news travels fast
o This is why most MLM companies get a bad name -
o When people get hurt and lose money, they tell everyone they know
11. NO BREAKAWAYS / BINARY
> You should NOT be penalized for enrolling someone better than you
o You should not lose a person (business partner) because they do better than you
> Leadership development should be rewarded... not penalized
> Company should be built on a sense of gain... not a fear of loss
> Many MLM companies today use Binary Plans
o They really go against SOLID business principles
￭ They reward the non‐producer in order to get paid
12. NO RISK
> There needs to be a 100% Money Back/Satisfaction Guarantee... no questions asked!
o It needs to be safe for everyone! Both customers and business builders.
One other important tip: Ask for printed, documented, annual income statistics as well as a documented monthly re-order rate. If that is not provided, consider that a red-flag that you should be concerned about. When considering starting a business, you NEED to know the numbers!
Please “like”, tweet and/or share on FaceBook. Also please share your comments and thoughts. I always love hearing from you!
To your success!
Saving for Retirement - How will you do it?
You probably have asked yourself, “How much do I need to retire?” And there are plenty of calculators online to help you figure that out. But is anybody coming anywhere near the numbers it takes? Not really.
Fidelity Investments recently posted that a 65 yr. old couple will need $250,000 just to pay for medical expenses over and above what could be covered by Medicare.
Bank of America reported that 57% of workers who have $50,000 to $250,000 in household assets plan to push back their retirement, citing health care costs as their top financial concern.
The fact the “Forever Young” generation is working longer into life might say more about lack of savings than feeling young for their age. The financial collapse of 2008 blew up savings plans, and low rates on fixed-income investments have had a hugely negative impact on financial plans.
As a result, a 65 year old couple who want a retirement income of $6000 a month will need $1.5 million in savings and another $250,000 for retiree health care before they retire.
So How Much Do You Need To Save Each Month?
To Save $500,000 -
You need to Save $3,200/Month for 10 years or $1,200/Month for 20 years
To Save $1,000,000 -
You need to Save $6,400/Month for 10 years or $2,400/Month for 20 years
To Save $1,500,000 -
You need to Save $9,600/Month for 10 years or $3,600/Month for 20 years
Even if people end up discouraged, as many are, they are more aware of the need to save and plan and this is now a Top Priority!
www.StartUpYourDreams.com
Make it a great day!
Fidelity Investments recently posted that a 65 yr. old couple will need $250,000 just to pay for medical expenses over and above what could be covered by Medicare.
Bank of America reported that 57% of workers who have $50,000 to $250,000 in household assets plan to push back their retirement, citing health care costs as their top financial concern.
The fact the “Forever Young” generation is working longer into life might say more about lack of savings than feeling young for their age. The financial collapse of 2008 blew up savings plans, and low rates on fixed-income investments have had a hugely negative impact on financial plans.
As a result, a 65 year old couple who want a retirement income of $6000 a month will need $1.5 million in savings and another $250,000 for retiree health care before they retire.
So How Much Do You Need To Save Each Month?
To Save $500,000 -
You need to Save $3,200/Month for 10 years or $1,200/Month for 20 years
To Save $1,000,000 -
You need to Save $6,400/Month for 10 years or $2,400/Month for 20 years
To Save $1,500,000 -
You need to Save $9,600/Month for 10 years or $3,600/Month for 20 years
Even if people end up discouraged, as many are, they are more aware of the need to save and plan and this is now a Top Priority!
www.StartUpYourDreams.com
Make it a great day!
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