Shopping For Camping Chairs

If you have purchased camp chairs before, you know that you can find them almost anywhere: discount stores, sporting goods retailers, websites, even supermarkets and drug stores. As a result, you have probably never given much thought to where you should buy your next one.

On the other hand, would not you like to find the chair you really want and feel like you got the best price without running all over town or spending a bunch of time surfing the web? Assuming you know what you want, which of these many choices will give you the best deal? Let's take a look at each of these options.

Let's start with the least reasonably sources. Without you spot something in their weekly ads or happen to see the perfect chair when you are there shopping for other things, places like pharmacies, supermarkets and office supply stores (Yep … I've seen camping chairs there!) Are not going To have what you are looking for. You may get lucky, but these retailers should not be your first choice.

Shopping for camp chairs online looks like the easiest route. You can sit in the comfort of your home and browse through different websites while keeping your other eye on the ballgame. What could be simpler?

Unfortunately, it is pretty rare to find the best camping chair prices online. Generally speaking, you will find better deals in brick-and-mortar stores. Even the discount chain websites usually do not feature their least-expensive chairs … you have to get in the car and go look for those in person. On top of all that, you will probably have to pay for shipping, and then wait to have the chair delivered.

So, shopping for a camping chair online may not be the best plan, but it can save you time in researching the different types of chairs available.

The big discount chains often seem like the obvious place to look for a camp chair. They emphasize low prices, and they will indeed beat out the other retailers much of the time.

On the other hand, there selection is not always that good. You may not find more than four or five choices, none of which may suit your needs. Remember, these stores sell everything from groceries to dresses to HD TVs, so they will only allot so much space, sometimes one aisle, to camping equipment, and only a small portion of that to chairs. Still, if you just want a cheap, basic camping chair, these are not bad places to look out.

Your best bet for finding a camp chair, however, is probably one of the sporting goods or outdoor gear chains. These retailers will give a lot more space to camping chairs … sometimes more than one aisle. This means a lot of choices, so you can find exactly what you want.

Not only that, but because these retailers know how easy it is for you to just pick up a cheap chair at a discount store, they are almost always running sales that will save you a few bucks. Finally, if you have questions about a chair, the staff at one of these stores will probably be able to answer it. That beats the heck out of a blank look and a shrug.

After reviewing these options, you should be able to find the camping chair you want with less hassle and at the price you want. Take a look at your local discount store if you already have to go there for something else. Otherwise, you will save the most time and effort by heading over to the sporting goods place. Happy shopping!

How To Start Investing For Financial Independence, Part 1

Today, I am going to start a multi-part series about how to go from being a beginning investor to being "financially independent" in a steady and predictable way. At our website, we get tons of e-mails about how do I start, how do I start with little $ 's, etc., etc., etc. If you are asking this question, congratulations because you are ahead of most. All of us have been there at some point.

I must warn you …. What I am about to share here for free is what "gurus" across the nation charge thousands of dollars for in weekend seminars. The "secrets" disclosed are going to seem pretty simple because quite frankly, there are no secrets. The methods used here have been done for centuries and there is no real reason to complicate them. Let's apply these principles to see how fast someone might become financially independent without betting the farm.

Realize that everyone has wildly different starting points and different financial goals. For this series of articles, we assume that an individual has access to at least $ 15,000 liquid capital (or home equity) to start, is at least breaking even with their current income income expenses, and has decent credit to obtain financing. Note there yet? …. See the footnote below.

To start, what you need is to make your money grow while keeping your current income stream, and current expense level in place. I can not say this more plainly ….. To change your current financial path, you have to us your money and your time to grow additional income streams that increase wealth. There is many ways to do this but we are going to use investing in real estate as an example.

Now for beginners, here is the really bad news …… As an investor, you reap rewards by putting your money in HARMS WAY. You do everything in your power to minimize your risk but bottom line is that real investors make money by taking CONTROLLED risks. As investors get better, they learn how to make fantastic investment returns doing things that all their friends and relatives thing is crazy ….. However, they know exactly what risks are small in comparison to the potential Rewards.

One reason people really like real estate investing is leaseage; Ie, you can purchase an expensive property using 0-20% of your own money while financing the rest. So if you put 10% down for example, and then the property goes up by 20%, you have made a 200% return (ignoring expenses, taxes, etc. for simplicity). Of course this works in reverse … If the property drops by 20%, you have lost not only your original investment but have to come up with another 10% as well ….. Ouch!

For someone beginning, here is what I would suggest:
1) Look for an opportunity that will return at least 150% in 2 yrs or less;

2) Be mentally and financially prepared if the investment does not work out;

3) Have VERY good reasons why you do not think you will lose money …… You may not make as much as expected but you would rather not lose money at this stage.

4) Be patient. This single result should not either make or break you but it is crucial to a longer term plan.

In our Mastermind Group, we are bringing out a land project (see related article Land Investing that appears to meet these criteria (each investor has to decide for themselves.) So let's say the purchase price is $ 150,000, with 10% down and another $ 3,500 In closing costs. With good credit, then the financing obtained would make the land payments for 2 years while waiting for growth.

Now let's say after you did your analysis, looked at what had happened in the past, looked at why you thought more and more people would want this property, etc., you decide that you think this property will average 20% / Yr escalation over The next 2 years. MORE IMPORTANTLY, you decide that barring a major meltdown in the market, you think there is little chance that you can not at least break even after 2 years.

So if you end up being right about the growth, then you might net a tidy $ 43,000 (before taxes) or so after everything is considered. After long term capital gains at 15% let's say, then you just picked up about $ 36,000 of the "market's money". That is money that if you take a loss on the next investment will not be nearly as painful as if you lost your original money. When you combine this with your original investment amount, you now have around $ 55,000 of operating capital for step 2.

Realistically, you can not predict how much you will make from the investment. When I invest, I try to establish in my mind what is reasonable. Frequently, I have been surprised to the positive and made much more than expected. Sometimes I have made less. The key being put to yourself in a low risk situation where you have a strong reason to believe the market will go in your favor.

To accomplish this first step, let's look at what you really had to do:

1) Had to be willing to put $$ in harm's way;

2) Had to educate yourself enough to evaluate the risk and the opportunity;

3) Had to find the opportunity or be in a position to have the opportunity presented to them;

4) Had to act.

I would like to comment on the education side. As a former professor, I have seen very smart people spend 1,000's of hours and 10,000's of thousands of dollars educating themselves to "earn a living"; This is a great move in many cases. On the other side, I have seen very smart people who want investing to be a major source of income but will not spend any time or any money educating themselves.

To me, this is a recipe for disaster. By the time we finish this series, you will see that with a few simple steps, implemented over time, many people can easily produce more money than their regular job. Tomorrowmore, many people will put 100's of thousands of dollars at risk but know almost nothing about what they are doing. If you chose the path of making your investment dollars grow steadily with time, I hope this does not end up describing you.

** Footnote: If you are not yet at that level, here is what I suggest. First, read Michael Masterson's book called "Automatic Wealth". This is an excellent book on how to quickly change your financial position while staying employed. Next, I would read Van Tharp's new book called "Safe Paths To Financial Freedom". Van uses a very different thought process from many and so adds a great deal of rounding. Like anything else, you will not agree with everything written in these books but they provide some great thought processes. When you have some capital and are cash flow positive, they come back and revisit this article.

Why Home-Based Businesses Need Advertising

In the world of internet Marketing, you will always need to advertise over and over again. It has been said that any proposal will be looked at seven times before anything is or is not purchased.

This means that you need to advertise at a steady rate. In order for you to advertise, you need places to do so. Advertising can be done free or paid advertising, which can be expensive. Now, you can do your advertising for free through Online Services, a lot of the online services offer their services for free and also paid.

If you can afford to pay for the services, that will work much better in most cases. Now, just because they offer free services does not mean that they will not work, it only means that you will not be able to send out your messages quite as often which will still work for you as long as you do it regularly.

Now that you know or have learned the necessary requirements for Internet Marketing, you will need a product to promote. You can either put together your own product, a product of some other publisher or join someone's Affiliate Site, which can be one of the easiest and highly paid, and fastest way to start your very own business, all you have to do is promote, Promote and promote.

A lot of the Product Vendors offer great incentives and tools to help you promote their products. Why do they do that, they do that to make money while you make money also, how much you make is all up to you. In order to get the best results, you have to do a lot of research.

There are a number of ways you can do this, you just need to do your research and decide which one is right for you. You can find great resources through Articles, which is a great way to earn, especially if you enjoy writing. Articles with great content is always searched for by everyone. So if you like to write, get started today, there are plenty places to post your articles, either through Article Boards to Blogs. You can even start your own blog or article site. You can find on the Internet great places to start for free to very expensive websites. There are pros & cons to either way you choose, it all depends on what you want and can afford.

Join as many Ad sites you feel comfortable using. Pay attention to the results of your ads on each one and maybe you would want to use the one that gets better results, but do not stop using them all, even if you only get one or two hits, that is more than you got without Advertising.

How to Pack for a Summer Vacation

It’s that time of the year again when the scorching heat becomes unbearable with each passing day. At such a time, all you want is an air-conditioned room and something cool to sip on. However, if you are going on a holiday, you will be spending a lot of time outside, exploring different places. If this is scaring you, considering the temperature is rising everyday, here are some tips that will help you stay protected from the heat.

Carry a Sunblock Lotion or Sunscreen

Going out in the sun without protecting your skin is a big no no, especially in summer. So, while you searching for the cheapest airline booking online and packing your clothes, also get a bottle or two of sunscreen or sunblock lotion. Sunscreen will not only prevent you from getting a sunburn but it will also protect your skin from the harmful UV rays. When you are buying the lotion, make sure you get one that has both UVA and UVB protection.

Pack Cotton and Lightweight Clothes

During the summer season, it’s advisable that you wear cotton clothes so that your skin can breathe. Wearing synthetic clothes may cause irritation and you might end up feeling hot and suffocated. So, when you are packing for your vacation, make sure you put in light clothes that will help your body stay calm. When it comes to shoes, carry open-toed ones or flip flops so that your feet can get as much air as possible.

Choose the Correct Accessories

Since you will be travelling during peak summer, carry a straw hat, a pair of sunglasses, and a scarf, just in case the heat becomes unbearable. These accessories will keep you protected from the heat when you are out, visiting different places. If you are going to be spending a lot of time on the beach, carry a beach bag and towels with you too. It’s also preferable that you carry a change of clothes so that you don’t have to stay in your sweat-soaked clothes for a long period of time.

Take Necessary Medication with You

Some places can have heat waves during the summer. In such a case, you should be prepared for it. Additionally, if you have diseases that can be triggered due to the heat, take the prescribed medicines with you. You might also want to take vaccinations that will protect you from falling sick from insect bites or mosquitoes.

These are some of the simples steps that you can keep in mind while packing for a summer vacation. And while you are vacationing, just remember to drink a lot of fluids and keep yourself hydrated.