Is Financial Planning Necessary For Financial Freedom?

Financial Planning and how it is intertwined with your financial freedom concerns everyone. You can embrace the topic and deal with it. You can ignore the topic and live your life in a monetary mess. If you are ready to start, then we will begin with some interesting information for everyone to be aware of when doing your financial planning. For instance, did you know that back in the 1930's when the Social Security Administration was first created to take care of all of us when we retire, there were 40 people working for every person that was receiving benefits. In 2009 there were approximately 3 people paying in for every 1 taking benefits out and it will drop to 2 people paying in for every one taking benefits out very soon! Because of this fact, you would be well advised to make believe that social security is not going to be your retirement dream bailout. Take the position that you will have to be financially prepared for retirement and if you get to enjoy full social security benefits, well than that will just be the icing on the retirement cake that you have baked for yourself! Your financial freedom will be that much more rewarding if you can retire without social security. Of course if the program is there for you, take it!

Ben Franklin said "By failing to prepare, you are preparing to fail". So many of us just slip through life without ever giving a thought to any plan ... financial or otherwise! Of course if you choose not to plan, well then THAT IS A PLAN! Not a good one, but a plan nonetheless. This lack of true financial planning will come back to haunt you in your quest for financial freedom.

So what exactly is Financial Planning? I am glad you asked because the answer is multifaceted and includes all the various life processes that you will go through. It includes significant events such as budgeting and cash flow, education funding for you and your family, investment planning, tax planning, insurance planning, estate planning, and retirement planning, all of which we will call sub-plans. Very often, people will seek out the help of a professional because of the complexity of some of these concepts. Equally important, a person needs to understand how a financial decision in one area of ​​the master plan impacts the other areas of the plan and what the consequences will be. Your ultimate financial freedom will be based on sound financial planning of these various entities.

An effective financial plan looks at all the aforementioned sub-plans while considering one's lifestyle and resources. Sometimes patience and sacrifice are an integral part of the overall plan in order for an individual sub-plan to be carried out. Additionally, each sub-plan should have attainable goals involved with a timetable attached for achieving these goals where appropriate. Of course a good plan will be flexible enough to take into account life altering events such as getting married, buying a house and raising a family. The final point to understand is this: just because you took the time and energy to put your plan in writing does not mean that it will be carried out. You must work very diligently to see your plans to fruition. Here is where the weak among us seem to "drop the ball". Do not let that happen to you and your financial planning as your financial freedom is at stake.

Types of Computers in the Market

Types of computers

There are a number of computer options to select from in today's computer and technology market. Today, computers come in different sizes and styles. Current computers are made in a way that they fit people with different needs and requirements. Apart from the initial desktop and laptop computers there are other types of computers available on the market. Netbook and tablet PCs computers are now available, and a number of people are using them for different purposes.

Netbook PCs

Netbook PCs are similar to small laptops and are primarily meant for travel. They are smaller and lighter when compared to the standard laptops. Netbook computers do not have in-built DVD or CD drives, and their storage space is less. Netbook PCs requires less computing power and are relatively cheap. Netbook PCs perform basic computing activities e.g. word processing and Internet surfing.

Laptops

Coming to the laptop computers, they are solely meant for placing on the lap of a person. What distinguish a laptop from a desktop is the size, structure and mobility. Although laptops are mobile devices, they are not meant for travel. However, laptops are more convenient than desktop PCs.

Tablet PC and convertible laptops

A tablet is a compact single-screen device. Instead of using the traditional keyboard in desktop and laptop PCs tablets use a stylus or finger touch. General uses of tablet PCs are media playing, sending email, reading among other uses. Tablets come in two design namely convertible tablets and slate tablets. On the other hand, a convertible laptop is similar to a tablet PC. The keyboard of the convertible laptop can be folded to form a touch screen tablet. It allows on to use a stylus or touchscreen.

Desktop PCs Vs laptops

A desktop computer primarily stays in one position. The size and components of a desktop computer do not allow for easy moving. However, the system of a desktop PC is stronger and more powerful than that of a laptop. Laptops are mobile and more convenient than desktop PCs but upgrading laptop hardware is nearly impossible.

Laptops Vs tablet PCs

The primary advantage of a tablet over a laptop is the weight. Tablets are light, and you can use them while walking unlike laptops which require you to sit down while working on them. Tablets are useful when one is in a conference since they can be laid down. In today's computer market there are laptop tablet PCs which are basic tablets but have a keyboard and mouse attached to them. You can use them vertically as a traditional style laptop or use them as a tablet.

Hiring a Money Management Expert

Everybody is worried and overwhelmed in relation to their financial predicament. People are spending months discharged and relying upon family and friends for help. Is not it time we all made a few actions to become more financially self-sufficient? If we would start off following the guidance in all those money books that are piling on our shelves then I think all round we'd build more healthy neighborhoods and general financial systems.

To aid manage wealth, or lack thereof, take into consideration financial coaching. If you begin seeking around your community you may be able to find numerous resources for a money management expert. Financial coaching is typically obtainable through your bank, on an individual basis or on scheduled seminars. If you want individual analysis from a money management expert, then they might have a list of local people that offer financial coaching for their fee.

Also keep your eyes and ears out for large seminars. When money management experts come out with new money books, they often accompany the release with a tour of presentations that you'll be able to attend. This may be an 8 hour event that you pay to attend, but you walk away with invaluable financial coaching, whatever money books the money management expert has published, and hopefully a new plan for a stable financial future.

You'll find classes such as these targeted at those who work in different phases of their life. For some who will be working to make the most of their nickels, then look for the proper money books. Other people with extra budget to invest somewhere would do better on a different level of financial coaching.

Commence with taking advantage of a local resources be it at the library, a nearby college, the bank, any local church-sponsored or non-profit advice. Lots of times these places offer services to their community like financial coaching that will help you get started on the right foot. If you have tried these and it is still not quite what you are looking for, then its time for you to move on and employ the service of a money management expert for one on one analysis and advice. You can get a lot out of a few hours of individual attention and then follow it up with their money management books and maybe even a few emails back and forth.

To help manage wealth, or lack thereof, take into account financial coaching. If you pause looking around your community you could be capable of finding numerous helpful information on a money management expert.

How Often Should You Milk Your Prostate?

Prostate Milking or Prostate Massage is the process of either massaging or stimulating the prostate gland. There are two reasons for massaging the prostate which can either be for sexual stimulation or medical purposes. Sexual stimulation via the prostate is highly beneficial to men since the level of orgasms is 10-folds higher and the durations are much longer. Medical prostate massage provides urologists samples to detect prostate cancer nodules and expressed prostatic secretions to be further analyzed. For whatever purpose a man wants to milk their prostate, there is a guideline to be followed such as a right procedure and a frequency.

So, how often should you milk your prostate? The frequency of prostate milking should be done less frequently compared to you having sex this is to allow your prostate to rest and recover. Not only that but frequent milking may cause serious harm to your prostate. Beside the point stated for limiting the frequency of prostate milking, it is crucial to massage the prostate gland lightly and carefully to avoid lacerations. Take note that you are rubbing your prostate through your anal wall and any laceration may highly cause an infection than can be very harmful and toxic to the prostate gland, your blood and the whole body. If you're having a regular satisfactory sex life, milking the prostate isn't really necessary since the fluids and semen is ejaculated on a regular basis.

If you are interested in the benefits of Prostate Milking, there is a guideline that you must follow and it's about carefully studying the procedure. Know where to massage and how to properly milk your prostate. It's imperative that one should be aware of how sensitive the procedure is so you need to make sure that everything is well sanitized.

- Start by washing your hands with soap and water and the anal opening.

- Once this is done, use a disposable glove and lubricate your index finger and anal opening or the sphincter muscle. The purpose of the glove is that you don't want any foreign contaminants introduced inside your body.

- Carefully insert your index finger and allow the sphincter muscle to relax and accommodate your index finger. Once you feel the prostate, carefully and gently stroke it. If there is pain, stop massaging immediately. There might be something wrong with your prostate. Proceed with caution if none.

- Once you are done, carefully remove your finger and clean up.

There are a lot of advantages to Prostate Milking such as cleansing the prostate gland of fluids. Through decades, milking the prostate has also shown signs of reducing the size of enlarge prostates. This activity also has an intense effect on a man's orgasm. It also helps drain the semen which reduces the impulse of a person to have sex. This is best for people who took vows of celibacy. People who also suffer from Prostatitis are also recommended for prostate milking.

Medical research has also conducted studies on impotence and it's relation to prostate milking. According to research, men who undergo it, not only allow them to drain the prostate gland but allows them to reverse their impotence as well. If you are familiar with swelling, then you might also be familiar with the accompanied pain that will just not go away. Where there is swelling there is also a need to ejaculate and the pain in swelling will not give you that opportunity. Here's where prostate milking comes in. It's another option and it's a good one. There is an abundance of benefits to prostate milking as it also lessens your chances of acquiring prostate cancer.

Make Money Online

In today's economy a lot of people are wondering how to make money online. The secrets to making money online are the same as making money in the "real world": Hard work, creativity, innovation and knowledge. The Internet is the real world, it just has some aspects that allow a person of lesser means compete with people with much deeper pockets. That is its biggest draw.

Hard Work

Perhaps the biggest myth to making money online is that you don't have to work hard. This is far from the case. In fact, in the beginning you might be working harder than you are now. Most people who succeed online do so by working very hard work at whatever project they are doing online. They did not just put up a website and sit back and wait for checks to flow in. They worked hard to get their businesses off the ground and were rewarded for it. A person who wants to make money online will have to commit several hours a day at least and lots of sweat equity to the project. If you're not prepared to work hard forget about making money online. You have a chance to make a good deal of money online but you do have to earn it.

Creativity

The people who make the most money online are those who come up with new ideas and concepts. Whether it's SEO marketing, blogging, selling through Twitter whatever somebody had to create it. The biggest fortunes will be made by those who are willing to create something new and work hard at it. This has been the case in the "real world" for some time. It was Bill Gates who decided the PC need a new operating system Now he can give away billions and not miss it. The same creativity takes place now on the Internet.

Innovation

After the creators the people who make the most money online are the innovators. These can be those who come with a new idea or those who have the courage to try and implement a new idea. If an innovator sees something new that looks like a big money maker they try it, they adapt it and they start doing it. In many cases innovators simply take somebody else's idea and run with it. Next time you see a really great money making idea don't just try to figure out how you can get in on it. Instead, try to figure out how to do it better. That will make you an innovator. It was Henry Ford who realized cars could be made efficiently with an assembly line process. That innovation changed the way cars are built.

Knowledge

The old saying that knowledge is power has never been truer. The online world is all about knowledge; those who have the most knowledge will succeed online. That means learn as much about your business or product as you can. Read, do research online, talk to others in the business, or develop a mentor relationship with a more experienced marketer. Do whatever it takes to get more knowledge and you make money online.

Mobile Apps For Business - The Power Is in the PUSH

Thinking about launching a Mobile App for your business? If not now, when?

Now is the time to ride this wave of opportunity.

We all know as Entrepreneurs and Business Owners that in order to stay competitive in today's marketplace, you need to position your business to take advantage of emerging trends. Mobile Marketing is NOT in the future, it's NOW!

Did you know that statistics show mobile consumers have their phone or mobile devices within 3 feet of them 23 hours a day? Just think about the opportunity you have before you to have YOUR business on your clients or prospects mobile device 23 hours a day / 365 days out of the year? Now that my friends is what I call OPPORTUNITY! I don't know any other marketing medium that has the same power to instantly get the attention for your target market.

What do you think the average response or open rate is today with email marketing? Unless you have a super responsive and active list, you will only see 4% - 9% open rates within the first 24-48 hours of you pushing the send button. Mobile push or text messages are seen and opened 97% of the time within the first 4 minutes. Now that is impressive! Just think about your own mobile behavior, or heck just look around you.

Consumer expectation is that every "Brand" has an app they can download and access on their mobile device.

We are often asked the question, "Why should I have a mobile app?" Here are just a few reasons why you should have one:

• Builds customer loyalty. Everyone likes to feel included in something special, so make customers feel like VIPs by offering discounts, coupons, and promotions just for using and downloading the app.






• Creates a viral buzz. Encourage customers to use the mobile app to quickly tell all of their friends about the business using the built-in sharing capabilities of Facebook, Twitter, LinkedIn, your blog, SMS, and Email.






• Grow customer lists. A mobile app can gather names and email addresses from directly within the app and easily export them into the top email marketing campaign services to be used in additional emails.






• Get instant feedback. Mobile apps allow customers to leave feedback on fan walls, share photos, and send comments in a variety of ways.

What is an App? An App is an application that has to be downloaded and installed on a mobile device, rather than being rendered within a browser. Users visit device-specific portals such as Apple's App Store, and the Android Google Play Market in order to find and download apps for a given operating system. An app provides an interactive engagement with users and works more like a computer program than a website.

The app may pull content and data from the Internet, in similar fashion to a website, or it may download the content so that it can be accessed without an Internet connection.

It is expected that by mid-2012 more people will be accessing the internet on their mobile devices than on PC's. With that in mind, it cannot be emphasized enough the importance of having one's business or service seen properly across all the different mobile platforms otherwise you will lose business.

What better way for your business to stay in touch with your customers than with your own customized mobile application!

Do you have clients and customers that you want to communicate and stay in touch with? If so, what is the best way to do that and get responsive results? The clear choice is through Mobile Apps.

I've put together my top ten tips to ensure your app success:

1. Determine your Objective

Are you looking for sales, brand awareness, social media engagement or to stay in constant contact and in front of your clients and prospects?

As Entrepreneurs and Business Owners it's easy for us to get distracted and become overwhelmed with all our responsibilities and otherwise great ideas. Be sure when developing your mobile marketing strategy that it aligns with your core message, and resonates with your viewing audience.

2. Integrate Social Sharing Features

We all know and understand the power of social engagement, and social sharing features of our information. All of your social sites can be integrated into your Mobile App which will insure and increase your brand awareness.

3. Keep Your App and its content up to date

Just as important as updating a blog, your app must be updated with relevant and engaging content. You need to keep the end user engaged, or just as quickly as they downloaded your app, they can remove it.

4. Integrate interactive and events features

Provide up-to-date information about all of your business events and specials by creating an events calendar. Whether you conduct live events or virtual events online, you will want to keep your new users engaged and in-the-know of what you're doing, where you're doing it, and how they can participate. We are social creatures by nature, and want this information available at our fingertips..literally!

5. Create Loyalty / VIP Programs

You will want to incentivize your subscribers, and give them a reason not only to download your app, but to also keep it on their mobile device. It's very simple to create Loyalty or VIP programs, and your clients and prospects will LOVE you for it.

6. Develop an effective Mobile Marketing Strategy

It's not if you build it they will come... You need to prepare your marketing plan prior to the launch of your new App in the App Stores. This will include, but is definitely not limited to:

• Be sure to send an email notification to your subscribers with URL links to the Apple and Android (Google Play) Marketplaces. So they can download it. Don't forget to incentivize them in some way for doing so!






• Create QR Codes that link directly to your App (QR Codes are 2-dimensional black and white squares that contains a url or specially coded message that your phone's camera along with QR Scanner Software will decode for you.)






• Social Network promotions... oh this can be a great tool!!!






• Keyword research for your App is just as important as for your website. As you build your App, or have a developer do it for you, determine what your keywords will be as well as the description for your App. These are both extremely important as they are two of the more permanent features of your App and will immediately assist you in generating new clients and leads when done correctly.

7. Create Raving Fans

It's very important to create an opportunity for your App users to feel as though they are part of your community. Remember the Social Sharing feature? Well this is just as important. What if at your next event, you gave your App users the ability to upload their photos from the event, or even write on your App fan wall? We have seen it time and time again on Social Networks how important this is, in fact it's a must!

8. Track your progress with in-App Analytics

You want to be sure you have a way to track the downloads of your App in the App Stores/Markets. Tracking the number of downloads is important as you prepare for future promotions, as well as revenue streams from advertising opportunities. The more downloads you have, the more valuable you are to advertising partners. This is a great way to help monetize your app!

9. YES... The Power IS in the PUSH!!!!

Here's the most important feature of all... PUSH Notifications! This is very similar to sending out an email notification, but is much more effective. Remember you will have a 97% open rate within the first few minutes of sending it. You can send out notices immediately, or schedule them to go out on a particular day, and time you set.

The push notification will show up on a mobile device just like a text message would. These are delivered to everyone who has downloaded your app on their mobile device. They are displayed on smartphones and iPads/Tablets. The message will be displayed on the home screen of the phone or tablet literally the moment you press "Send".

One word of caution though... Do NOT over use the Push Notification feature. This can be interpreted at SPAM, so please don't abuse it. Treat your new App Subscribers just like you would your email list and provide value first, then create the hunger and desire for your products and services and the sales will naturally follow.

10. Promote, Promote, Promote!

Once your App is completed and published in the App Stores, you will need to get busy promoting your new marketing tool! Your app will not download itself to other mobile devices, so you will need to be proactive in the marketing and promotion of your new App. Now is the time to get in front of potential clients and customers.

Enroll the help of marketing partners to promote your new App, and yes even your friends and family, and most importantly don't forget about your existing client base. They are already your RAVING FANS!

In order for your App to be successful and provide you a great new way to market to your audience, you must be willing to follow the steps listed above.

Don't forget the golden rule of marketing: People buy from People, and those they Know, Like and Trust! Having a mobile app for your business will help expand your "Brand!"

Isn't it time to share your expertise and reach your mobile consumers before your competition? It's your responsibility to make it easy for them to connect with you!

The possibilities for your Mobile App are endless.

Increase Your Knowledge - Learn About Computers

We live in a technologically advanced society where computers are utilized in every field imaginable. Due to this, having knowledge about computers is a must in today's world. Children are exposed to computers at a very early age. Computer subjects are taught from grade school to high school and even in college no matter what major you are taking. Computers have become a necessary part of one's studies. A person does not need to take up a computer related course nor be enrolled in a computer class in order to increase his / her knowledge about computers. Studying could take place even inside the walls of your room or anywhere else you would prefer for that matter. You do not even need to have an instructor. All you need are the right materials and determination for self-studying.

There are many available computer books that can help increase your knowledge about computers. You can choose to borrow them from the library or purchase one for your private use. Libraries offer a wide collection of computer books but you could only borrow books for a limited period of time. You would also need to be very careful in handling these books since they do not belong to you. You would not be able to do what you wish with the book you just borrowed. You can also choose to purchase books from the bookstore or for an easier access and cheaper prices browse the store for computer books that suits your needs.

Learning about computers is not limited on reading about the topic that interests you. Aside from having theoretical knowledge, you would also need to put in into application. Learning computer programs and software entails having experience on using them. This guarantees a full computer learning experience. There are many available computer software and applications which you could choose to learn about. Of course, having hands-on experience with them would involve having the actual software for your personal use and study. If you have a particular software in mind and does not have it yet, go to and choose from the available software they offer. This store offers a wide range of computer software. Whatever software you need to get to increase your knowledge or simply because you do not have that particular one yet, you could find it and get it at the cheapest price at this store.

Studying is an on-going process. You must not limit yourself to the knowledge you have at this moment but you must learn to adapt the changing times and increase your knowledge according to the needs of the time. The information you have today may not be true and applicable some years from now. The best way to do is to continue learning and there is no better way to do this than through reading. This need not be expensive and hard. All you need is the will, determination and a little help. Cheap Shopping Store can be the help you need. Just visit this store, explore and search for technology books that will aid you in your use of different computer products.