Tips on how to teach your kids to save money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.

You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.

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Here are some tips on how you can teach your children how to save money:

1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

Car stereo speaker: let your car stereo speak for itself

Even if you’re not a car audio connoisseur, it’s easy to be impressed with a car stereo speaker while looking around in an expo or convention. They’re the first thing you’ll probably notice, they come in different colors, shapes and sizes. Those big throbbing concaves blaring incredibly low bass lines or cool little tweeters whistling out seething treble sounds.

Car stereo speakers are interesting and very tempting to buy, especially the big loud ones. But big is not always the best. Each speaker has its own unique quality, intended use and price range. Some may also be better than others at certain things so it pays to investigate your type of car stereo amplifier or head unit before you finally decide on a car stereo speaker for your system. Here are some features to consider:

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Car stereo speakers are not all the same size and wattage, and this can cause a problem once you try to hook it up in your car. Know the specs of your system. Sort this out ahead of time, it will save you a lot of hassle. You will be happier with your new acquisition if you can get to see it in action as soon as possible.

There are also a lot of car stereo amplifiers on the market, it pays to be aware of how the car stereo speaker you are considering compares to the others, and how compatible it is to your amplifier or the amplifier you’re planning to buy. Car stereo speakers and amplifiers go hand in hand. You’ll want the car stereo speakers you buy to be suitable for your automotive entertainment needs and not strain the system.

Style can be an important factor when choosing your special car stereo speakers. You’ll want the one you choose to fit in perfectly with your other all sorts of stereo speakers. If you’re planning to install something different, you have to take into consideration the modifications your going to have to make in order to accommodate your new car stereo speakers.

One of the biggest issues in buying a new type of car stereo speaker is suitability. How suitable your car stereo speakers are is probably the biggest issue. Don’t forget the reason you’re buying the type of car stereo amplifier in the first place, and ensure that the all sorts of stereo speakers you are looking at will do the job you need no matter what other fancy features they may offer.

Brand is an important consideration when you are shopping for a car stereo speaker. The fact is, one brand of type of car stereo amplifier may have a much better reputation than another, and for good reason. You be the judge. Do your research. Ask car audio enthusiasts. Read magazines and reviews. Do you want to take a chance on just any car stereo speakers, or go for the proven name brand?

Lastly, price is important even if you think it’s not. After all, would you want to pay more for your car stereo speakers only to find it cheaper the next day at a different store? Nobody likes that. When shopping for better car stereo speakers, it pays to check at least a couple of different stores, just to make sure you’re getting your car stereo speakers at the best price.

4 tips for lighting a cigar

For new smokers, lighting a cigar can seem as daunting as learning to choose a good single. Here are four tips to guide you in lighting a cigar for the first time.

1. Use cedar matches, if possible. If you prefer to use a lighter, make sure it’s butane lighter to avoid strong odors.

2. Warm the open end of the cigar (aka ‘the foot’ of the cigar) slowly over the flame, without touching it to the fire. Let a black ring form around the end.

3. Place the cigar in your mouth and draw in slowly. Hold the cigar over the flame, about half an inch above it, again without touching. Continue to draw in until the cigar draws the flame. Turn the cigar slowly, spinning it to establish an even burn.

4. Once your cigar is lit, take it out of your mouth and observe the burn you have established. If the burn appears to be uneven, simply blow on the unlit sections to draw the burn, and then take one or two draws from the cigar to reestablish an even burn.

Reducing load time through image optimization

Even though more and more Internet users switch to broadband every year, a large portion of the web’s population is still running on good old dialup connections. It is therefore unwise to count them out of the equation when you’re designing your website, and a very major consideration we have to make for dialup users is the loading time of your website.

Generally, all the text on your website will be loaded in a very short time even on a dialup connection. The culprit of slow-loading sites is mainly large images on your website, and it is very important to strike a delicate balance between using just enough images to attract your users and not to bog down the overall loading time of your site.

You should also go to a greater length and optimize every image on your site to make sure it loads in the least time possible. What I really mean is to use image editing software to remove unnecessary information on your images, and thereby effectively reducing the file size of your image without affecting its appearance.

If you own Photoshop, it will be obvious to you that when you save an image as a JPEG file, a dialog box appears and lets you choose the “quality” of the JPEG image — normally a setting of 8 to 10 is good enough as it will preserve the quality of your image while saving it at a small file size. If you do not have Photoshop, there are many free image compressors online that you can download and use to reduce your image’s file size.

On the other hand, you can opt to save your images in PNG format to get the best quality at the least file size. You can also save your images in GIF format — the image editing software clips away all the color information not used in your image, hence giving you the smallest file size possible. However, saving in GIF format will often compromise the appearance of your image, so make your choice wisely!

The beauty that sports cars possess

Cars, in general, possess both form and function. The designers did not compromise aesthetics with performance.

However, there is something about sports cars that make them stand out when it comes to beauty. And we are not talking about external features only.

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There is more to physical features like, sleekness of the car, that determine its beauty.

Here are some of the characteristics that endear sports cars to car enthusiasts.

– Sports cars have attitude at first glance.

Sports cars speak the attitude that they possess. They are not like mere cars whose presence can be ignored. They captivate the eyes of those who see them. They imply that thrill and enjoyment van be expected when their hands are those that control the wheel.

Sports cars stand above other cars, that are seen very day, primarily because the designs imply what they are capable of doing. A sleek look really matches a car with sleek activities.

– Sports cars possess greater power.

Their power comes from their more powerful engines and has other specifications than other the cars have. A sports car can do more than ordinary tasks because of the features that only they possess.

– Sports cars are made for driving pleasure.

Ordinary cars make driving monotonous and boring, while on the other hand, sports cars primarily aim to give the drivers a “high” feeling of speed and control. Only sports cars can provide that need for drivers who seek adventure.

Sports cars bring the thrill back to driving. They express what other cars can not. Sports cars are not designed just for practicality, but for pleasure too.

– Sports cars are made for drivers who enjoy their ‘wild side’.

Drivers do have the need to express this ‘wild side’. Sports cars make any road a venue to satisfy those needs. Only sports cars can match the “wildness” that drivers innately have. For that reason, sports cars perfectly compliment the child in every driver.

– Sports cars have evolved and improved through the years.

Drivers appreciate the improvements that have been made to sports cars. You could say that sports car technology has infinite possibilities. The stereotypes of sports cars have long been debunked. Those limits have been crossed. The only thing that car enthusiasts can do is to watch as these improvements unfold before their very eyes.

– Sports cars make their owners feel good about themselves.

Sports cars are lifeless. They cannot feel proud because they are beautiful, but their owners take pride in having them.

With all these things said about the intrinsic and extrinsic beauty that sports cars possess, only a person who does not appreciate their beauty and/or speed will not opt to get one.

Niche websites with articles

Choosing a good niche subject to base your website around is one of the most important aspects of making money off of your articles. This will give you a foundation to build from and you can target one general audience with a pack of keywords that they are most likely to be searching for. You should take each one of these keywords and use it for the basis of one article on each page. This way, even though you are targeting one specific subject, you will be sure to interest a wide variety of people in that one niche. They may also find other pages that interest them, which will keep them returning to your site to learn new information about the niche subject.

The best way to find keywords for your niche subject is to use a keyword software program and type in the word that is the subject of your niche. This will generate a list of keywords or phrases that contain your niche and will also show you approximately how many people search for each word or phrase. Some software programs may also tell you how many sites are out there to compete with for each word or phrase (this will help you know if those sites are worth competing with for the number of searches out there). You then deicide which of these would be most profitable by determining which have the least amount of competitors, so that you have a chance at making it to the first or second page of search engine results, but that also have a decent amount of people looking for that keyword or phrase each month. These will be the keywords or phrases that you will base the pages of your niche site on.

If there are a number of topics that you like, pick the one that you feel would be easiest to start with and then, once that site is built and generating some revenue, you can start another site. The most profitable website marketers, who use their talent of finding niches and combining that with good site content and a handful of affiliate links, have a good amount and variety of niche sites that they have started. You are never limited in what you can do with niche website marketing, unless you find out that you do not have the marketing skills or the needed funding to make it happen. Otherwise, the sky is the limit!

Tips to find the ideal hotel in New York

You’ve finally got the vacation you deserve after slaving on a desk for half a decade. You saw fit to reward yourself with a trip to the Big Apple; New York, New York, here you come…you’ve got the brochures ready, the traveling checks are in your hand bag and you’re wearing your best Gucci shades to keep you from the harsh glare of the sun. But haven’t you forgotten something?

Like..maybe knowing what New York hotel you’re going to stay?

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Touring New York would no doubt be something akin to paradise with all of the tourist spots it can boast of but no doubt at first glance, New York prices would make your eyebrows raise and possibly, gulp at the exorbitance of it. But remember, everything comes with a price and rent or living space is usually the hardest to tackle when it comes to New York. When choosing a hotel to stay in New York then, it’s imperative that you ask yourself the following questions so you can determine what place is ideal.

1.) What part of New York do you plan to stay in?

New York can divided into several districts and these districts usually determine the range of hotel fees you’re going to encounter. Do you want your hotel to be situated in Manhattan, where most New York attractions can be found? If you want, however, to stay in a funky upbeat district then the hotels in Soho and Greenwich and the likes are probably what you’re looking for.

2.) How much can you afford?

Now that we’ve got a specific location in mind, the next step to take is to count our available dollars. Hotels in New York range from the exorbitant to the wonderfully cheap. Naturally, the features are somewhat dependent on the price.

3.) Who are you with?

If you’re bringing kids, then not all hotels in New York can of course, open their doors to welcome you. With children in tow, we can suggest hotels like the Doubletree Guest Suites and the Hilton Time Square, hotels that are both famous for reliable, warm and efficient service. And then there are the pets. If you’re the type to bring around your Dalmatian or Siamese with you wherever you go then the lists of prospective hotels in New York that you can stay on would narrow further. For travelers accompanied by their furry friends, try checking out hotels like 70 Park Avenue Hotel and Carlyle Hotel, which even offers dog-walking services just in case you find yourself busy touring New York City.

4.) What features / services do you need?

If you’re on some sort of business trip, then definitely you’d prefer a hotel with Internet access. If you’re planning to host some sort of gathering then you’ll also be interested to check out hotel facilities and see what best suits the event you have in mind. Also, not all hotels in New York come with Olympic sized pools, Grade A spas and fitness centers so you must take all these things in consideration as you try hit upon the best place to stay in New York.

If and when you do find a hotel to stay in New York then we will leave you with just one more tip: be wary of pickpockets, have fun and don’t forget to take a picture of the Empire State Building!

How to experience oneness

Thanks for opening your heart to an eternal experiences. It can seem like a battle and a swinging back and forth in emotions until all investment has been withdrawn from the ego. The ego is a decision, and as long as this decision has even the least bit of value or allure, the flip-flopping between love and fear, sanity and insanity seems to persist in awareness. Realize that the ego is constantly being undone or unraveled, and the ego interprets its undoing as fearful.

Non dual teachers
David Hoffmeister
PO Box 789 Kamas, UT 84036
435-548-2479


You, however, are not being undone—for You are Pure Love, Pure Spirit. The ego seems to resist the approach of Light, as if the Light was its death. Yet the ego is the investment in death, and once the clouds of fear have been passed through, there You are: the Oneness of Pure Love! To stay in Love, so to speak, requires only the growing willingness to not hide or protect any fearful thoughts which arise in consciousness.

Let the fear arise, for it has long been kept out of awareness and must arise, that it may be released forever. The ego wants to offer the bait of a “battle” because that is how it perpetuates the illusion of conflict and fear. Yet there is nothing to fight and only an illusion to forgive or look past. Our Spirit is beyond the possibility of a “battle,” for our Oneness and Love rest in the Heart of God.

Truth does not fight against illusion, illusions only seem to battle with illusions. Our Identity in God is no illusion, and Reality needs no defense. With faith all scraps of fear rise into awareness and are looked upon with the Holy Spirit and seen for their nothingness.

In Awakening, the split mind, or the mind which tries to serve two masters, comes up into awareness. As this occurs, it can feel as if one has a “split personality” of love and fear. Divine Love transcends the illusory aspects of the self-concept, the ego-image that was made to cover over and substitute for the Real Love deep within.

The “good” aspects of the mask, or persona, are as illusory as the “fearful” aspects, for illusions are but one error: the belief that God’s Love can have an “opposite.” God and Christ are “unopposed” for Love has no “enemy” or “opposition.” Be grateful, therefore, when the illusion of fear seems to rise into awareness, and do not attempt to “battle” or “repress” or “distract away from” the fear.

See that the fear which had been denied from awareness, the fear that seemed to block the Light of Love, is presenting itself again so it may be forgiven forever. Look at the fear with the Holy Spirit and see the nothingness of the fear. Correctly perceived, fear is a Call for Love, and as this is acknowledged you are Answered in Love. Love is knocking at the door of consciousness, asking that all self-imposed barriers to the remembrance of God be released.

Be happy that the Awakening is occurring through your willingness and readiness, for nothing more is asked of you. Fear has run out of time and has nowhere to hide. Fear used time to conceal the wish to separate, yet under the Holy Spirit’s direction time is neutralized and used for miracles that collapse time and show its meaninglessness.

The unconscious was the belief in fear. Fear made the dream of the world seem real. As unconscious belief is raised to the Light and disappears, the experience which remains is being fully conscious, alert, and aware of dreaming a happy dream of non-judgment.

This is the Perspective of the Holy Spirit, and awareness of dreaming means you are no longer “at the mercy” of dream figures or dreams of any kind. You are having the dream… the dream is not having you. You are having the dream and there is nothing “outside” one whole mind illuminated by the Light of the Holy Spirit.

A happy dream has come to take the place of the dream of judgment, and so the fear has gone and never was. The mirror of mind is clean and clear and reflects the Light of God for there is nothing to block the Pure Love of Heaven.

I love You forever and ever Precious One, for You are my Self. Our strength is the Love within, and this world can offer nothing to delay the Awakening to Pure Love. I rejoice in our Oneness! All Glory to God for creating All as Pure Oneness and Love!

Blessings always,

David Hoffmeister

4 crucial things you need to do to build your list

Online marketing may have developed a sudden surge these past few years, but many in the know how have felt its rise even from way then. As more internet based businesses are put up, the need to develop new marketing skills and knowledge based on this new medium have arisen. More and more marketing strategies are being discovered and developed to cope with the changing face of business the business world.

The demand for online marketing tips and strategies have drastically grown and a new form of business has been born, internet marketing strategies. While there are companies that are all too eager to help your site and business build a clientele for a fee, there also many ways that can spread the word about your sites subsistence in a more cost free way. One of this is Opt-in email marketing, also known as permission marketing.

Opt-in marketing requires the permission of a willing customer to subscribe to your marketing materials, materials that take form in newsletters, catalogs and promotional mailings via e-mail. The more opt-in marketing mail is sent, the more chances there is to bag sales and more sales. To do this, you must build a list of all those who wants to subscribe to your opt-in marketing list.

From your list, you will get your targeted customer, this is a good list since they already have shown interest in what you have to show and sell since they have willingly signed in for your list. These are the people who have liked what they have seen in your site and have decided they want to see more and maybe even purchase what ever product or service your company and site has to offer.

Many people would think that building their lists would take hard work and a lot of time to build and collect names and addresses. This is not so, it takes a bit of patience and some strategies but in doing this list, you open your site and your business to a whole new world of target market. Take the effort to take your business to a new level, if traffic increase and good profits are what you want, an opt-in list will do wonders for your business venture.

There are many sources and articles in the internet available for everyone to read and follow in building a list. Sometimes they may be confusing because there are so many and there different ways. Different groups of people would have different approaches in building an opt-in list, but no matter how diverse many methods are, there are always some crucial things to do to build your list. Here are four of them.

1) Put up a good web form in your site that immediately follows the end of your content. While some may say this is too soon to subscribe for a website visitors application, try to remember that your homepage should provide a quick good impression. If somehow a website visitor finds something that he or she doesn’t like and turns them off, they may just forget about signing up.

A good web form for subscribing to an opt-in list is not hard to do. Just write a simple short statement about how they would like to see more and get updated about the site. Then there should be an area where they could put in their names and e-mail address. This web form will automatically save and send you the data’s inputted. As more people sign in, your list will be growing.

2) As mentioned in the first tip, make your homepage very, very impressive. You need to have well written articles and descriptions of your site. Depending on what your site is all about, you need to capture your website visitor’s fancy. Make your site useful and very easy to use. Do not expect everyone to be tech savvy. Invest in having good programming in your site, make your graphics beautiful but don’t over do it.

Don’t waste your time making the homepage too overly large megabyte wise. Not all people have dedicated T1 connections, the faster your site gets loaded, the better. Go for a look that borders between simplicity and sophisticated knowledge.

3) Provide good service and products. A return customer is more likely to bring in more business. Even then and now, a satisfied customer will recommend a business always. Word of mouth and recommendations alone can rake in more business than an expensive ad. As your clientele roster grows so shall your list. With more members on the list, the more people will get to know about what you have new to offer.

4) Keep a clean and private list. Never lose the trust your customers have entrusted you. If you provide e-mails to others and they get spammed, many will probably unsubscribe to you. Remember, a good reputation will drive in more traffic and subscribers as well as strengthen the loyalty of your customers.

Rules of adsense surrounding invalid clicks and being in control

What Is So Important About An Invalid Click and How Will It Affect Me?

More than anything, an invalid click is a big no-no and it will get your account terminated faster than anything else. Having said that, an invalid click is when a publisher clicks on their own ads to add to their earning potential . It’s also when a publisher asks others to click on their ads just to raise their revenue. It also raises the advertiser’s costs and Google won’t tolerate this. Google Adsense has state of the art technology and they know what’s going on.

Invalid clicks also happen when someone uses robots to click on ads or automated software. It is any deceptive practice used to click on ads.

Invalid clicks are also unnecessary as there are plenty of money-making opportunities with valid clicks. With an optimized website, useful content, and attractive ads, there’s no reason for anybody to even entertain the idea of using invalid clicks.

Having Control Over Your Adsense Account

You the publisher, have complete control over the advertisement that runs on your site. You can choose to run only image ads, only text ads, or a combination of both. Google recommends that you choose a combination of both to maximize your earning potential, but the decision is yours.

When making your ad decision, you also have the freedom to choose which type of ads run across your entire account (image or text) or you can narrow that decision to what type of ad might run on a particular page.

As of right now, you are not able to differentiate your image ad click rate from your text ad click rate. You can of course, differentiate your click rate from one site as opposed to another site. Say, for example, you run only image ads on one site and only text ads on another site. By setting up channels to track both sites, you can see which site has the better click rate. Of course, you have to take into consideration there would be more factors than whether you were running text or image ads. The content, the placement of the ads in general, even the color could make a difference.

Refer to the Google Adsense Support Site for specific instructions on how to enable or disable image ads. Remember, it’s all up to you!