Ebook Table Of Contents
Foreword and Introduction 3-8
Why this guide came to be 3
The S.C.O.O.T.I.N.G. Method 8
The basics of Last Minute Travel 9-10
1. Special Discount Success
What is it (last-minute, on-demand, 11th hour).
Knowing what to get where for short-term travel needs.
What is a ‘last minute travel deal’ exactly?
How does it work and different types of travel discounts and options?
What you are looking for and how much are you willing to pay?
What, Where and how long will you be traveling? What is available? Where to look to find it? How to find the best deals?
2. Cashing-in – making the most of (which and where, value and cost of trip, travel or vacation, how last-minute travel really works), Finding and leveraging
various options and strategies. 11
3. Opportunistic - travel booking and reservations, brokering and limited offers, capitalize and leverage your position and travel bargains around every corner.
13
4. Obvious and Obtainable – where to find the best deals and making the most of last-minute travel – a quick and detailed overview 19
5. Travel brokering – who to ask and where to go to get the best deals, following a process that works every time! 24
6. Investment in your leisure – where the real payback and value-proposition is.
25
7. Negotiating – It is a process and skill-set that requires attention and mastery
30
8. GREAT results – getting them, focusing on what to do and what NOT to do! 37
9. Closing Thoughts and Remarks 43
10.Bibliography and Online References 51-54
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Foreword
Short-notice traveling is a modern phenomenon that is increasingly happening around the world. Global travel is taking on a new character and transformational identity that morphs as the needs and demand of modern globetrotters and earth-dwellers change.
This, combined with the wonderful enabling technological advances that we have had in recent years, all contribute to almost on-demand and real-time travel solutions at our fingertips.
This ‘how to’ guide has your best travel interest and budget at its heart and core. It will make the most out of your every journey, quest and world travel – even and especially when booking last minute.
It will help you discover how to make the most of finding and getting the best travel deals and last minute travel bargains. It will help you to enjoy life, freedom, memories, others and exploration.
We are calling all nimble adventurers to join us in our 11th hour, last minute, short-notice quest and journeys around the globe. You will be pleasantly surprised at the real value and low cost of ‘globetrotting’ these days, IF YOU KNOW WHERE TO LOOK AND FIND THE BEST LAST MINUTE TRAVEL DEALS.
It will offer some insights into how to capitalize on life’s unplanned or unfortunate events and highlight how to optimize or leverage cancellations, to have your best vacation deal at rock-bottom pricing. When you want it all, great value, low price, choice destination, on-demand and today, how would you get the best last-minute travel deals? Any ideas? If not, definitely keep reading… YOU WILL NOT REGRET IT!
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INTRODUCTION
If you are looking to open a business of your very own, you are not alone. Every year more and more people make the decision to stop working to make other people rich and to start their own businesses. For most of them, having the start-up capital that is needed is harder than one might think.
Small business grants are often a hot topic with new business people with a small amount of money and little access to other capital. We have all seen the many media claims about "Free Government Grant for Small Business." It seems all too easy to get these days.
Of course, if it were really that easy, all you would have to do is find a government small business grant to apply for, apply and before you knew it you would have the money to grow your business.
Most U.S. government departments, like the Department of Commerce, do not provide any grants for help in starting a small business. Grant programs are available through state programs and other groups as well. The grant programs are often awarded to people in fields such as medicine or education, and they all have specific eligibility criteria.
The process of finding a small business grant program to apply for and reviewing the requirements to getting is very time consuming. After conducting a two-week search for a medical publisher, I found the requirements to be very specific and difficult to meet.
Eligibility can be based on your location, and your business’ sales revenue to the application date, years in business, sex, race, and even for the purpose of funding. If your business sets out on a small business grant seeking mission there are some questions that you will have to answer which are:
1. Do you have the time and the resources available so that you can search for a small business grant program and apply for it?
2. Can you afford to hire a consultant if you are unsure of how to do it, or can you learn the grant application process by yourself?
3. Does your business need the money right now for expansion or can you wait up to a year?
4. If you do decide to ask for a grant, will it hurt your business because it will be taking away time from selling and marketing?
If you want to take a look at the small business grants available, the best place to start is the Catalog of Federal Domestic Assistance (CFDA). The CFDA lists thousands of grants from all government agencies for free. Many business grants will be geared towards minority business development or rural business opportunity grants. Do not overlook the other assistance programs available such as equipment and training.
If you do find a small business grant program that is available for your business, you will need to be ready to go through a lengthy, approval process. With today’s funding cutbacks and the high amount of competition you will want to be prepared for it by following these quick tips:...
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Introduction: Dealing with Addiction
Addiction is an issue affects people from all walks of life. Not only is the addict affected, those people close to the addict will feel the destruction of addictive behavior. The following tips have been compiled to give you information about different addictions and how you can begin your recovery.
Some of the tips included in this book include:
• The importance of understanding what addiction is all about.
• Understanding the stages of addiction and the stages of recovery.
• Information about the detox process.
• Information about treatment programs.
• How you can get the most out of treatment programs.
• The importance of personal goals.
• The importance of finding balance in your life.
• Dealing with denial.
• Getting fit both physically and mentally.
• The importance of finding your own personal power.
Tip #1: Understand Addictions
Addictions eventually catch up with you and change your life in such a way that you will have to face the fact that you need help. Recovering from addictions usually happens once you have hit the bottom and finally realize that you need help from outside sources so that you can lead a life that is addiction free. There are many types of addictions that will have a devastating affect on your life.
Addictions, and recovery from them, require that you actively seek help from a source other than yourself. You may want to start by consulting with your family doctor or with an addictions counselor. This is a good place to start since it will be important to access both your emotional and your physical behavior as they are related to your addictions and your substance abuse. You and your doctor will need to decide what is going to work best for you in order that you stop using your drug of choice. It won’t matter what your type of addiction is since all addictions require the same amount of professional help and support.
There are several different types of addictions that you may or may not already be aware of. Addictions include:
• alcohol abuse
• opiates
• food addictions
• marijuana abuse
• relationship addictions
• sex addictions
• gambling addictions
There are also many other recovery programs that you can choose from that do not follow the 12-Step program. These non–12-Step programs include Rational Recovery, SMART, and Women for Sobriety. You will need to decide what type of recovery program is going to work best for you. The important thing is that you are determined to beat all your addictions.
Ebook Table Of Contents
Introduction……………………………………………………………………………………3
The History of the Wedding Speech………………………………………………4
Speech Giving Basics…………………………………………………………………….5
What to Consider When Writing a Wedding Speech…………………….8
Getting Started With your Speech……………………………………………….11
Creating a Speech Using Mind Mapping……………………………………….12
Getting Help with Toasting………………………………………………………….14
Sample Wedding Speeches…………………………………………………………..18
Do’s and Don’ts of Wedding Speeches………………………………………..57
Presenting your wedding speech………………………………………………….60
Building your Confidence……………………………………………………………..63
How to Deal with Speech Anxiety………………………………………………..66
Wedding Speech Topic Themes…………………………………………………….67
Jokes and Anecdote Advice………………………………………………………….68
A final Word………………………………………………………………………………..70
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Introduction
Giving public speeches is one of the largest phobias going right now; right behind heights, and tight spaces. Most people fear giving speeches out of a fear of looking or saying something foolish in front of others. The simple fact of it is that we all have to do it eventually. This is never truer than during a wedding.
Weddings are a time when everyone involved seems to be expected to give a speech. Most people do so willingly, but others are more reserved about it because it can be hard to find just the right type of speech that will be welcomed and enjoyed by the bride and groom.
Speeches are very uncomfortable when you have never given one. It can also be difficult to create a speech when you don’t know the fundamentals behind writing one. That is why this guide was written. This will be your comprehensive guide to writing and giving wedding speeches that will be remembered.
You will learn how to write a speech, how to give a speech orally and much more. You will also learn good relaxation techniques that will help take the edge off while you are giving a speech. You will also be given many speech samples that will help you in crafting your own speeches or you can just use those given here. It’s up to you.
Why agonize over the speech that you will give at a wedding? Weddings are meant to be a source of fun and happiness; not anxiety over having to give a speech. The next time that you are at a wedding, you can rest assured that you will be giving a speech that will be simpler than ever because you have chosen to arm yourself with the right tool. So let’s get started.
Ebook Table Of Contents
Legal Statement 2
Table of Contents 3
Introduction 5
Chapter 1 11
Coppercrest Funding 11
Coppercrest Funding and Trust Deed Investing 13
Chapter 2 16
The Basics of Trust Deeds 16
The difference between trust deeds and other investment types 18
Chapter 4 22
Typical Borrowers 22
Chapter 5 25
Legal Issues for Investors 25
Real Estate Law 25
TILA - Section 32 26
Chapter 6 28
Loan Underwriting 28
Loan-to-Value 29
Borrowers 30
Chapter 7 32
Title Insurance 32
Chapter 8 38
Collection and Distribution of Loan Payments 38
Chapter 9 43
Lien Priority 43
Chapter 10 46
Loan Documents 46
Information Regarding Notes 49
Construction Loans 50
Chapter 11 54
Escrow 54
Escrow instructions 55
Important facts about escrow to keep in mind 57
Closing Escrow 60
Chapter 12 63
Loan Enforcement 63
Foreclosure 63
Bankruptcy 68
Chapter 13 70
Pitfalls for Investors to Watch For 70
Chapter 14 74
Frequently Asked Questions 74
Conclusion 79
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Introduction
Today there are a number of ways in which investors can invest their money. From the stock market to savings bonds to deeds of trust, there is something for every investor looking for a way to grow their money. While most investments are made with the same end in mind, the main difference between each investment type are the strategies and the level or risk involved.
However, although there is always some degree of risk involved when making an investment, trust deeds happen to be one of the safest investments available today, because unlike other investments, a trust deed is secured by actual property – homes, buildings and land.
Aside from the security of real property, with a trust deed investment, the other advantage is the investor receives higher than average rates of return. This is due to the fact that borrowers are willing to pay a higher interest rate because private investors are flexible with their loans, as they are not limited by traditional rules of bank loans. Without the constraints of such rules, private investors can provide quicker loans that do not follow the same rules as is required for traditional lending.
Furthermore, deeds of trust are safe investments because borrowers are generally a good risk to take. The following are two excellent reasons why:
1. The borrower could loose their property (home, land, etc.) if they fail to pay the loan.
2. If the appropriate research has been done, the investment will have a more than sufficient loan to value (LTV) ratio. In other words, the loan amount is exceeded by the real property value.
PLR Ebook Table Of Contents
The Unpleasant Side of Divorce 7
The Dollar Costs of Divorce 9
The Emotional Costs of Divorce 10
Painless Divorce? 11
Divorce and Children 13
Some Eye-Opening Statistics 14
The Case for Staying Married (It’s still the best institution there is!) 18
Marriage and Happiness 19
For Better or For Worse… 20
Marriage and Instinct 24
How to Save Your Marriage 27
Recognizing Gender Differences 27
A Word from the Cos! 29
Notice the Small Stuff 31
And What of Money? 32
And What of Politics? 33
Alone Time 34
Turning Points 35
Complimenting and Praising 36
The Concept of Friendship in Marriage 38
Friendship is EVERYTHING! 39
Conclusion 43
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Introduction
If you saw the emotional turmoil portrayed in the movies War of the Roses and Kramer vs. Kramer, you’d probably think twice about divorce. Unhappy individuals who believe that ending their marriage would make them happier are often living a myth.
Chances are that they’ve attributed the failure of the marriage to their spouse, dispensing with self-examination. Blaming the other instead of oneself becomes the favorite pastime, the most convenient means to walk away.
By failing to accept their own frailties, and not realizing that they’ve entered the marriage with unreasonable demands and unrealistic expectations, they unconsciously released the forces leading to a potential separation.
There’s also the phenomenon of short memories. For some reason, the same individuals who vowed to support each other during their time of wedded bliss have forgotten their commitment and vows to love each other through thick and thin.
Our modern society has indeed become a disposable society. This is what Alvin Toffler had predicted almost two decades ago.
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Introduction
Fly fishing is a very popular fishing sport that can be both relaxing and challenging at the same time.
The following tips and tricks are ideal of beginners. When you’re just starting out learning to fly fish you’ll want all the help and advice that you can get from the experts.
Tip #1: Practice your Casting
The experts say that the one thing that you need to do to develop a good casting technique is to practice as often as you can. This will lead to a proficiency in casting that make all the difference between being a successful fly fisher or a frustrated one.
Try practicing against a wall on the outside of your house. Just imagine that there is a clock hanging on the wall that is at the same level as your shoulder. Place markers, such as black electric tape, at the 11:00 and 1:00 clock positions. Practice casting against these markers for a few minutes each day to improve your accuracy and style.
Tip #2: Rods
There are several things that you need to think about when choosing the right type of rod for you. Every reel and rod has a certain function that you need to be aware of.
One of the first things that you need to consider is comfort. Is the rod that you're using comfortable for you to hold? If you're shorter than about 5'5" you won't want to use a rod that is seven feet. Choose a rod length that is easy for you to hold and cast for a few hours at a time.
Most of the rods on the market today are designed to allow you to feel when a fish bites. The shaft of the rod is called a "blank" and when the rod is first manufactured the blank is made from fiberglass, graphite, or other materials. Each of these blanks has an action that is either: light, medium, medium/heavy, or heavy. The upper portion will also have an action that is either: extra light, light, or regular.
Both ends of the blank are assembled and the final result is a fishing rod, complete with a handle and guide. No matter what type of rod that you're using, the "action" of the rod will refer to the "blank". The action of the rod will have a great deal to do with the type of fishing that you're doing.
Tip #3: Holding your Rod Effectively
It’s important that you learn to hold your rod effectively under any fishing conditions. You want to make sure that you maintain good control at all times without gripping too hard. You can adjust the power of your hold when you’re in the middle of a cast. This will allow you to minimize the vibrations of each movement. With just a bit of practice you’ll be able to increase the tightness at the same as you learn to relax your grip.
Table Of Contents
INTRODUCTION 6
Section 1: Assessing Physical Damage and Accepting the Importance of Exercise 10
Lifespan and Physical Appearance 11
Assessing How Fit You Are 12
Turning You into a Fitness Buff! 14
Slowly but Surely… 15
Benefits of Exercise 16
MORE Benefits of Exercise! 16
Section 2: No Matter How Busy You Are, there are Ways You CAN Include Exercise 20
A Simple Exercise Program 21
Frequency and Intensity 22
Variety is the Spice of Life 23
Walk before you Run… 24
Time Management 25
Cubicle Fitness 27
Family Exercises 28
Chores Burn Calories! 28
Walk, don’t Drive! 28
Section 3: Busy Traveler? You Can Fit Exercise into your Trips! 30
Common Obstacles 31
Walk when on the Road 32
Fitness while Flying 32
A note about DVT 33
Important “to do” things when traveling 34
Working out with Friends 36
When there’s no Gym! 37
Yoga 40
Section 4: Exercise Equipment “To Go” 41
More Portable Exercise Tools! 42
IMPORTANT NOTE: Buyer Beware! 43
Using a Pedometer 45
Always Carry… 46
Keep a Record! 46
Eating Fit! 47
Section 5: Information/Resources for the Hurried and Harried 48
Fitness-Friendly Hotels 49
Fitness-Friendly Airports 50
Websites of Interest 51
Conclusion 52
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INTRODUCTION
Fit exercise into your busy schedule? That’s as absurd as saying that there are eight days in a week!
First, you’ve never exercised before or engaged regularly in a sport; second, you’ve never been into the fitness crowd and have had meager time for such pursuits, and third, you’re far too busy to even think of exercise.
In other words, YOU’RE JUST NOT INTO IT.
Of course your friends talk about it and rave about the latest fitness craze, but you’ve seen it too often: some of them are on the “on-again-off-again” treadmill / stair master mania, and you wonder why they haven’t shred the fat that they’re desperately still trying to hide.
Seeing what your friends go through and not seeing any results, you cling to the notion that your total lack of interest is justified.
You’re not the least bit inclined to engage in these circus-like contortions or do those mindless freestyle strokes in the water. That would only encroach into your already busy schedule of...
PLR Ebook Table Of Contents
I. INTRODUCTION 3
II. SELF-EVALUATION 5
III. PROCRASTINATION AT HOME 12
IV PROCRASTINATION IN SCHOOL 17
V. PROCRASTINATION AT THE WORK PLACE 22
VI. PROCRASTINATION AND HUMAN RELATIONSHIPS 33
VII. SELF IMPROVEMENT – A GENERAL SENSE OF WELL BEING 39
VIII. BONUS TIPS 46
IX. CONCLUSION 54
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I. Introduction
On the back of the jacket of Jack Canfield’s book, The Success Principles, this quotation caught our attention: “The principles always work if you work the principles”.
Perhaps this is too simplistic a statement or merely echoes another familiar marketing “come-on”, but it does translate into a variation of the work ethic. To us, this means doing instead of just thinking.
And doing is synonymous to action, execution, implementation, carrying out – all these convey the active mode as opposed to the passive mode of just thinking.
The human brain knows no limits when it comes to thinking out ways and strategies in dealing with all kinds of problems, but if these strategies and plans are NOT acted upon, they really hold no meaning – they’re like empty blueprints camouflaged in sparkling rhetoric. And rhetoric comes cheap these days.
We’ve made up our minds to be less ambitious about this work, and called the 101 recommendations and suggestions contained in this book as simply TIPS. Tips on how NOT to procrastinate.
Procrastination pervades every aspect of our lives. And we’ve mastered it to perfection having learned a subtle form of it when we were babies.
We delayed falling asleep because our mothers wouldn’t cradle us in her arms. We’ve procrastinated in performing our duties at home, in school, in...
Table of Contents
Making Time Work With You ........................................................ 4
Are You Wasting Your Own Time? ................................................ 8
Make Your Body Work for You .................................................... 16
Arranging Your Day to Day Life .................................................. 18
Learning How to Prioritize ............................................................ 20
Making it all Work Together ......................................................... 24
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Making Time Work With You
Modern life was meant to be about time saving devices. We were meant to be surrounded with cool gadgets that did all those jobs we hate to do, and life was going to be about sitting around watching grass grow, or realizing with a cocktail by the pool.
Instead it’s become more and more frenetic. With every new device created to make our lives simpler, the pace speeds up. Take away ten hours a week to hand wash all our clothes, replacing it with an hour tops to use a washing machine and dryer? We get some other work on our hands. Get a cool new gadget that let’s you surf the net anywhere? Suddenly people want us to call them at all hours of the night and day, and our off time seems to disappear into a huge abyss.
Of course we all have the same amount of time in the day. But some people struggle to get even the simplest of tasks completed while others can work a weeks worth of jobs into one single day. Time can be our worst enemy or our closest friend.