Preparing Your Car for Winter

The Canadian winter season can considerably influence driving conditions. In situations like this, drivers are more prone to accidents. It’s critical to focus on cautious driving to protect yourself and keep your family. Safe driving also helps minimize your insurance rates while reducing wear and tear on your vehicle.

Here are a few checks that you can perform to ensure that you, your family and your vehicle remain safe over the winter months:

Take your auto in for a tune up before the first snow fall. Having the peace of mind of a well maintained vehicle all year is an excellent idea, but it’s particularly essential during the winter when driving conditions are impaired.

Ensure you have the right oil for your vehicle. In general, thinner oil like 5W30 works better in cold winter conditions than 10W30 or 10W40, which are thicker. Thinner oils circulate easier, which makes lubrication of your engine easier in cold temperatures. To find the right oil for your specific vehicle, check your owner’s manual.

Keep your gas tank full. A full gas tank lowers the chances of running out of gas and being stranded. In addition, it brings down the possibility that your gas lines will freeze up because of condensation or water vapor buildup in extremely icy climates.

Ensure your battery is in great condition. Being stuck in remote areas and being unable to start your car is dangerous. Check that your battery’s connections are corrosion free and for batteries older than 3 years, consider testing its capacity to hold a charge.

Ensure you keep a winter emergency kit in your vehicle. A well thought out kit can be a lifeline in the event that you are stranded in the middle of nowhere, or on a highway. A high-quality winter kit for your car should include:
No less than one warm blanket.
A flashlight.
A shovel, in case you need to dig out of deep snow.
Additional warm garments, including boots, gloves and caps.
A well stocked first aid kit.
A bag of salt or sand to give you extra traction if you get stuck.
Food and drinking water. Foods with high sugar content are excellent choices.
Jumper cables.
A flare.
Spare windshield wipers.
Extra windshield washer fluid.

Test your tire pressure. Because of the colder air, your tire pressure tends to drop a small amount in the winter. Keeping your tires at the maker’s prescribed pressure makes your vehicle simpler to handle, making you more secure on the road and will even improve fuel economy which will save you money!

Check that your anti-freeze mixture is correct. Your coolant should have a 50-50 mix of anti-freeze and water. If you’re uncertain, you can purchase a reasonably priced anti-freeze analyzer at most automotive part stores. Keep your anti-freeze levels above 50% to prevent leaving your engine susceptible to freezing up.

Think about snow tires. If you tend to get heavy snowfall in your area, it might be worth getting snow tires for your vehicle throughout the winter months. The deeper grooves on snow tires provide substantially more traction on snow covered surfaces, which makes them able to stop your vehicle up to 40% more rapidly than all season tires. As well, snow tires are constructed with a specific type of rubber which lets them to preserve their flexibility even in coldest winter conditions.

Consider replacing your windshield wipers if they are not in good condition. Defective windshield wipers can essentially debilitate your capacity to see in wet and icy climate conditions. If your windshield wipers are not making good contact with the windshield and are not clearing it properly, they should be replaced.

Check your brakes. On the off chance that it’s been over six months since your last brake check, have them checked again before the winter driving season. With the dangerous conditions that winter brings, having the capacity to stop quickly is much more critical than in warmer climates.

Performing these checks before the ice and snow can keep your vehicle running safely and easily all winter season. This will give you one less thing to stress over when you’re driving and help to keep your auto insurance premiums low.

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How to Live a More Exciting Life With Network Marketing

If you are a network marketing professional then you have the ability to live an amazingly exciting life. In this article, we are going to talk about how to live a more exciting life with network marketing.

When you are working in network marketing you have the ability to be working from anywhere in the world now that we have the internet. There is no reason to be constrained to one area of the world. We can go anywhere in the world and still support our teams and show people how to be successful in our organizations.

If we don’t design it is not going to happen. If you do not know where you want to go, what you want to do and how you want to do it, it’s not going to happen. This is why we need to create dream lines. We need to know what we are going to fill our free time with once we create it. If we don’t know what we are going to do with the free time, we will find something to fill it.

The biggest trap is getting addicted to working for work’s sake. Instead of working for work’s safe we need to create systems that will work for us and fill our time with things we enjoy doing. What are some hobbies that you have? What are some causes you want to help with?

Network marketing allows us to live any lifestyle that we want to live and create passive, residual income but we have to tell life what we want. It is not enough just to have a dream board. You have to have a game plan.

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How Using Social Media Can Affect Your MLM Business

Almost everyone has some form of social media whether it be for business or fun, people can pretty much find anyone they want to find and check them out. In this article, you are going to learn how using social media can affect your MLM business.

Social media can be a great asset to you and help you attract more team members and customers or social media can make people run from you like you have a disease. Before you post something on social media, just remember that unless you have a certain privacy setting on your content, anyone will be able to see it. The truth is that if you post it on the internet, people that you might not want to see it can probably get to it anyway.

When you are serious about building an MLM business, you have to run a great media company. You need to be able to show people who you are in a good light so they will be proud to work with you. Would you partner in business with someone if you weren’t proud to work with them? Probably not.

Clean It Up

I can’t tell you how many times I go to people’s social page just to find out that I cannot find one picture of them on their timeline. Many times their profile picture is a dog, cat or one of their kids. Since I have no idea who this person is or why they want to be friends, I just ignore the invite.

If you want to have people accept your friend requests or request to be friends with you then you want to have a clean social profile so that people know what who is behind the profile.

Controversy

If you want to build a strong social presence then you don’t want to be arguing with people back and forth over controversial topics. Save that for your close friends because no one wins an internet back and forth.

Now you know how social media can affect your MLM business. I hope you clean it up and are using social media in a way that can help your business and not hurt your business.

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Crony Capitalism – How Bad Has It Gotten In The US?

We all know the problem of the revolving-door in our political leadership and bureaucracy. Folks are in and out of government, keep their contacts and make a fortune from the known reality: it’s not what you know but whom you know. The problem with all this is exactly what Adam Smith warned us about; the incestuous relationship between government and business. Corporations in the US are large and powerful, and have and hire the best talent, retain and control endless resources – these corporations do not NEED government favors, nor does their executive leadership, they are doing fine.

To secure the most optimum efficiency in our economy, we must keep the free-market as free as possible, when we allow a skew due to political favors or inside information, or allow lobbyists to the run the table, often at the expense of the people all we do is prove the cynics correct that; the game is rigged. Perhaps this is why Donald Trump has promised to; Drain the Swamp. And, he’s human too, I have no doubt he will drain the left-side of the swamp first, but it’s still a good start. The trick is to set a new set of rules, lay down the letter of the law, and move forward.

In Harvard Business Review, December 2013 Issue, there was an interesting article titled; “Unwinding Inequality” and in that article was a quote by Angus Denton; “When people use their success to change the rules in their favor, that success is no longer to be celebrated.”

“Yes,” I say, “Indeed.” But let’s take this argument to a higher level shall we. First, I find it rather hypocritical to read of this in the Harvard Business Review, as most there believe in the concepts of Adam Bellow who wrote the book “In Praise of Nepotism” which might explain why all the Supreme Court Justices went to Ivy Leagues, Harvard or Yale, some both. Worse, look at the academic records of the last 5-presidents of the US, and a darn good many senators, and heads of major bureaucracies, corporations and NGOs.

Second, if we dissect that quote, it talks about “success” and the concept of changing the rules once one, a group or corporation gains in the synergy of their own success. Well, isn’t this really the same challenge with guerrillas or terrorists attacking the status quo, authority and government – if they succeed, they are then in control and then they inevitably seem to use the same so-called tyrannical methods of ruling that their predecessors had before they ousted them – thus, the word “revolution” as it just goes round and round as another group comes along to then unseat their new authority.

Now, one can see a similar process in business and industry. For instance, read;

1. “Rule Makers and Rule Breakers,” by David Garnder
2. “First Break All the Rules,” by Marcus Buckingham and Curt Coffman
3. “The Innovator’s Dilemma: The Revolutionary Book That Will Change the Way You Do Business,” by Clayton M. Christensen

Once the company garners market share synergy, and industry status, it moves to change the sector’s associations to lobby to get the rules and regulations changed to its way of doing things blocking future disruptive competitors from coming along to change the industry just as they had to get to where they are today.

The easiest way to do that is through crony-capitalism, campaign contributions, public-private business partnerships, which also leads to selling goods and/or services to the government and secure a free flow of money to further continue their dominance by playing with the political elite – who all went to Ivy League schools. Thus, I find it so fascinating that HBR (Harvard Business Review) had the gall to even publish that article – due to the obvious hypocritical nature of the norm which comes from that elitist institution. Please consider all this and think on it.

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The 8 Questions You Must Ask Before Working With Any Business Credit Building Company

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.

DON’T LET THEM RIP YOU OFF!

I’m going to try to show how to get unlimited capital for your business…

Without risking your personal assets, lowering your personal credit score, or damaging your personal credit history

These 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business Loan

There are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?

Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.

There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.

Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.

Question #1

Will I be obtaining only trade credit or CASH credit?

Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.

And if it is CASH credit, will I always need to personally guarantee the application?”

If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.

Question #2:

Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?

My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)

So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).

Question #3:

If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?

Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.

Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.

Question #4:

Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?

Why work with an advisor who is trying to blindly lead you!

Question #5:

When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?

Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.

If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.

Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.

Question #6:

How are your coaches paid?

This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!

Question #7:

When it comes time to apply for a business loan, are you going to pass me off from lender to lender?

This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?

Question #8:

What kind of a guarantee do you offer?”

It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough –

If after completing your program, you should have:

Corporate Compliance and documentation review

D&B file and a D&B rating

D&B Paydex Score

Business credit file with Corporate Experian with an intelliscore

Business credit file with business Equifax with the appropriate business credit score.

Trade accounts and/or Vendor Accounts with and without a personal guarantee.

A Business Credit that can be used to leverage financing opportunities

This is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!

Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

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Have You Ever Heard of Parallel Marketing?

Have you ever heard of Parallel Marketing?

If you haven’t I’ll explain it to you in just a sec.

I love the technology of the day. No more hassling friends and family, no more 3 foot rule, no more inviting everyone you know over to your house so your sponsor can “show the plan”, no more winding up being a member of the NFL club. And no, sports fans, I’m not talking about the National Football League.

In this case I’m referring to the NFL club as for NO FRIENDS LEFT club.

Trust me, back in the day your friends didn’t even want to see you coming because they knew you were going to try and sell them on looking at your business. And before you knew it… no friends left.

Thank God for the Internet. Now, even the most introverted guy or gal has a shot at building a downline that could pay them the extra money to make a car payment or afford the vacation of their dreams.

And this brings me to the question I asked you earlier. Parallel Marketing?

Parallel Marketing is when you offer someone something of value that other networker’s need which, in turn, helps them build THEIR business. This brands you in their eyes as someone they can trust. Therefore developing a bond of friendship between you and them.

I believe the FREE resource I’ve found is perfect for Parallel Marketing and thus helping you build YOUR business.

And to think I found this resource by accident. One night I was speaking with a fellow networking friend who asked me as to whether or not I had ever heard of a site that was ideal for networking. I responded with no, never heard of it. Anyway, I took his advice and went over to the site and started reading some of the comments of its members. Then I noticed some of the members kept talking about this new site. I figured I had better check the site out too. Next thing I knew, I was signing up as a free member, then happily upgrading.

The resource below will help you increase enrollments into YOUR business. Plus there is actual training that’s afforded to you too! And right now, for a limited time you can sign up for free and receive a Lifetime membership.

Anyway… here’s the link to hear an industry veteran explain what could very well be the secret to your business exploding within the next few months.

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Cellular Or Mobile Phones: How Are They Affecting Children And Us?

I am sure you are using one of them, like almost everyone else doe’s including me. As you become aware about some things, most likely you will be making changes the way you use a cellular phone from the information and awareness you be reading about.

There are as many as over 7 billion mobile phone subscriptions worldwide. Continued research to clarify any health risks coming from cell or mobile phones is ongoing. The first thing to come to mind is electronic radiation such as changes to sleep patterns and brain activity. Lots of evidence demonstrates that radiation from cell phones is a real danger.

Many different researches over years have confirmed that long-term exposure to cell phone radiation is a significant risk to health. Such findings of course are strongly denied by the other side of that argument, depending on which side of the argument you listen to. Debates like this have been ongoing for years and most likely will never be settled. After all, why would designers and manufacturers admit to any danger coming from phone usage? This would certainly kill the goose that lays the golden eggs!

The international agency for research, which is part of the world health organization released a statement over five years ago and declared cell phones a class B Carcinogen.

Long Term Exposure: How Long Is Too Long?

Whatever the brand name, I Phone, blackberry, android, tablets, Smartphone’s or just a basic flip phone has revolutionized communication in the 21st century. Some people spend as much as 2 ½ hours or more on the phone daily. Because cell phones are providing an efficient and easy way to communicate, but at the same time this can also take a toll on health.

The possible effect of a long-term heavy use of any mobile phone and the length of each call matters. The amounts of time people use cell phones are important factors which enhance the health related risk. The amount of radio frequency energy from a mobile phone use being released depends on different factors, such as distance from face and ear, the type of phone used, and the distance between cell phone towers.

What these findings are telling us: Make your conversation on a cell phone as short as possible or better still use a hand free device which places more distance between your head and the phone. Turn off the phone when not in use. Use the speaker phone when possible. Keep your phone away from your body as much as you can. Never use your phone while driving or even worse texting; this puts you and others in a potentially dangerous situation.

Children Are More Vulnerable

Children have the potential being at greater risk and affected in different ways. The brain of a child is not fully developed until the age of around 20. This makes any exposure to electronic radiation and radio frequency more dangerous for children than for adults. The other issue which affects a big percentage of children as well as teenagers is eye vision. Looking at mobile screens, what is it doing to kids’ eyes? Almost at any age children love playing with smart phones but what are the long-term effects?

Unfortunately some people are using such gadgets as baby sitters for the children without being aware of the damage it does. Children like to watch things close up on screen which is contributing to spike in becoming short-sighted. Studies have shown there is an alarming increase that affects many children between 10 and 12 years old and the amount has doubled over the last decade. The fact is: The more kids watch things close up on screen, the more they put their eyes in danger.

It is most common for children to develop myopia which gives a blurry long-distance vision. Myopia can also increase the risk of other eye problems in adulthood as well, including cataracts and blindness. However, most of the myopia cases are as young as six and 15 to 18, of course genetics play a role in severity in this.

As a guide, reduce screen time to as little of 2 hours per day from 2 to 5 year olds. There should only be a small increase of time allowed for older ones. Actually in Taiwan, if a child under the age of 2 has been found with a tablet or playing with any cell phone the parents will get a heavy fine.

Children who spent more time outdoors in fresh air and sunshine have a far lower rate of myopia. Limit the screen time, encourage kids to spend more “green time” hours in nature outdoors for better health. Make sure to include a colorful veggie diet from leafy greens which contain lutein, this is known to help eye sight and vision.

In General Common Sense Applies

A cell or mobile phone for most people has been one of the most revolutionary developments in time. It is a great communication tool being able to carry it with you wherever you go. It is a good security and emergency device that can save lives. So, what is wrong with all of those gadgets?

Could it be just the one who is using it creating that problem?

There are too many people going to the extreme and don’t know what is any longer normal or reasonable. That also applies to our food intake, beverages, including alcohol, and tobacco etc. All of those are not, or less harmful if used in moderation. If only used for short time this also can apply to cellar or mobile phones, and can reduce the risk factor as much as eighty percent.

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The Best Places For Destination Weddings

Wedding bells are ringing everywhere! If you’re someone who is planning to get married on the coming year then you need to read what we have to say before you make any further wedding plans. For all us, the day we get married is probably the most important day of our lives and we want to make sure it is arranged that way as well. To do that, you don’t necessarily have to throw a grand wedding at the most expensive place around. A simple and much cheaper alternative is to get married at one of the following locations which are known for their exotic beauty and their services all of which are at your beck and call for very economical prices. And before you move on, here’s a tip – if you’re planning a destination wedding make sure you book flight tickets well in advance!

1. Belize:
This place is on top of our list of wedding destinations and the reason for that is because it offers so much for so little. The place has some extremely beautiful destinations and rainforests as well as old Mayan ruins. Oh and let’s not forget that this place is also home to the second largest barrier reef in the world. The best thing about this place is that instead of being filled with expensive resorts like most of the other exotic travel locations, it has a lot of economical lodges and the sea food here is divine yet cheap too. So you can even host a wedding feast filled with exotic sea food but still save a lot in your pocket.

2. Jamaica:
The best thing about Jamaica is that it provides you with a choice of two very different and equally beautiful locations. You can choose to get married on the white sandy beaches or near the Rocky Mountains depending on what you like. Or maybe you could get married on the beach and throw the dinner or reception in the mountains to get the best of both worlds. And on top of that, the arrangements here are really cheap as compared to other travel destinations.

3. Vermont:
This small collection of beautiful landscapes and homey villages is probably the best travel destination to get married in. The scenic beauty here gives you the perfect backdrop to take your wedding vows and have a fun pre or post wedding shoot too. There are a lot of cozy and warm bed and baths here as well as halls where you can hold your wedding party. And the best part of this is that you can get all of this at very very economical prices.

Now that you know the best places to get married in, we suggest that you start planning for your perfect destination wedding and make sure you book flight tickets well before time so as to avoid any unnecessary delays and problems in your plans! All the best! Cheers to new beginnings!

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The “How” And “Why” Of Electric Panels

Electric panel very simply refers to the electric board which provides electricity to the sub circuits. These panels are extensively used in Process industries, Automotive industries, Food and Beverage sector, Oil and Gas Equipment, Aerospace, Metal Forming Machinery, Machine Tools, Power Generation, R&D Testing labs and Process Industries and other industrial sectors.

Are You Banking On The Right Product?

Once you go through this post, you will actually understand why electric panels play such an important role in the aforementioned sectors. Think about the times when you experience power outage owing to a natural disaster— then you must have run to the electric panel to restore power. When it comes to electric panels, getting the right circuit breaker can make all the difference between safety and risk. These panels are generally based in backrooms, basements and less visited areas of a particular place.

The products of reputed manufacturers are known for the following aspects:

– Quality performance

– Easy installation

– Flawless design

– Power efficiency

– Low maintenance

Make sure you are checking the credentials of the manufacturer thoroughly before you are roping the same in. If you’re looking forward to install these units, you should find out about the manufacturers who are known for offering products with the aforementioned qualities.

The internet will offer you information about a lot of manufacturers providing these panels. However, one should realize that that not all of them are equally credentialed to offer you quality panels. It takes years of experience and domain expertise to manufacture panels that go on to serve you satisfactorily in the long term.

So, it is important to ensure that you’re actually taking the trouble to conduct proper market survey and then going on to settle for their product. Now, the question is – how exactly would you know that you are actually posing your faith in the right name? You can consider the following steps.

How To Settle For The Right Electric Panel

The first thing to do would be to seek recommendations from peers. Now, let us clarify from the very beginning that in order to meet the diverse quality requirements, leading manufacturers employ quality analysts who ensure that the products pass multiple quality stages before reaching you. Those who have accessed products of these manufacturers are bound to endorse their products- while those who have actually gone on to choose manufacturers arbitrarily might not as well be in a position to do so. When you are not conducting research on the background of the manufacturer, you are not even aware of whether or not the particular name is actually taking the aforementioned steps to ensure that only quality products are reaching you. Without research there is every chance of unwittingly ending up with poor quality products.

Read reviews in order to find out how the companies have been rated. Kindly ensure that you’re not leaving any stone unturned to get the best value for your money. Taking the aforementioned steps will ensure that you are not repenting your choice later on.

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How to Take a Vacation And Make More Money In Your MLM Business

Being able to make more money in your business when you are taking a vacation sounds amazing and it is possible. In this article, you will learn how to take a vacation and make more money in your MLM business.

There are 3 reasons that you will be able to make more money in your MLM business because of your vacation so get ready to pack your bags.

Shows the Lifestyle

The last thing people want to “sign up” for is another job but when you can show how network marketing allows you to travel and enjoy life, more people will be interested in joining your team and coming on board with your business. Show people the lifestyle by going out there and living life. Not everyone is impressed by your ability to be a shut in.

Sense of Urgency to Get Things Done

When we are getting ready for vacation we understand that we need to get things done. We often get more done in the last few days before a vacation than we have gotten done all month. This is because our brains are helping us work toward the reward instead of just trying to keep busy with mundane tasks.

Clears Your Mind

After you get back from your vacation, you are going to have a new drive and desire to get things done. You will be operating with a clear mind. It is kind of life rebooting your brain so that you can think clearly and be able to get things done in a much more efficient manner.

So, now that you know, get ready to take your vacation and reap the benefits. Grow your network marketing business and enjoy your life at the same time.

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