SOLVING MARITAL PROBLEMS

Problems in marriage are inevitable and they will continue to arise. As marital couples start out in life, they would begin to realize differences that may not be there during courtship. Differences in feelings and approaches to life would suddenly surface and create problems in the home. Many homes break or love waxes cold when couples are not able to deal with their marital issues.

There is no problem free marriage and old coupes who had remained married for decades would still say they disagree many times. Solving marital problems is a decision that couples should be ready to make and adhere to. Below are ways to solving marital problems.

1. Talk About It.

It is always tempting to ignore each other at the first sign of a problem but that is not the wise path to follow. Ignoring the realities of a problem does not make it go away but makes the root of that problem grow deeper into the soil of the home. It is best to face reality and talk about it, no matter how impossible it seems. When partners in marriage fail to talk about their problems, it may lead to lifelong bad feeling for each other.

Tell your partner how you feel about what had happened. The first time you discuss a problem may not lead to the solution but couples should not be discouraged. Only continuos dialogue will lead to a lasting solution to marital problems that arises in the home. Specific times must be set to discuss about the problem with the aim of finding a solution.

2. Be Ready To Listen.

No tangible solution will come when partners are not ready to listen to each other. This happens in heated arguments and these arguments are the hardest to mediate. If one is agitated, the other has to be calm. If one is shouting, the other has to be silent. If one is talking, the other has to be able to listen patiently and to really understand the message being passed across.

It can be tempting to want to interrupt when we feel that what is being said is not true or the other person is being unfair. Interrupting will only lead to more agitations and bad feelings. Even when a discussion breaks down, it should not be an opportunity to stop talking to each other. Still talk to and respect each other's feelings.

3. Stick To Your Decisions.

It is important to arrive at a decision or a solution to a particular problem but it is more important to stick to that decision. Making a decision is easy, but carrying it out steadily is the hard part of it. It is never easy when it comes to the issues of marital problems. It takes much hardwork and consistence to follow through on a solution and make sure that marital problem don't surface again.

Solving marital problems is teamwork. Always look forward to the future of a marriage than the present problems. Bringing up past problems will be a constant weakness to a marriage. Cooperating couples would always overcome any marital problem and have an overall happy marriage.

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WHY STUDENTS FAIL EXAMINATIONS

In the past, academic failures were thought mainly to be a function of unseriousness or lack of preparation of students, but today studies have shown that why students fail examinations goes beyond lack of preparation or unseriousness. In my own personal research and experience, I have found out that brilliant students could fail when supposed dull students are passing exams.

I discover that why students fail exams can be divided into two categories. The INTERNAL and EXTERNAL factors.

INTERNAL FACTORS

Internal factors are the one's that has to do with a particular individual. Exam failures in this category could be said to be caused by the self.

1. Lack Of Preparation.

This is the major internal cause of examination failure. This factor is relative, meaning that it could affect all categories of students, whether they are brilliant or not. A genius who fails to prepare for an exam would most likely fail and a slow learner who prepares would most likely pass.

Academic activities should not only begin by attending classes but should end by personal and intensive study. Examinations are only once in a term, semester and sometimes a session and no student would have a genuine excuse of not being able to prepare well. Students fail examinations when they don't prepare. No matter how small the preparation is, there is a higher likelihood of passing, even if it is just the threshold of the pass mark.

2. Unseriousness.

Some students simply don't care. They won't attend classes. They won't do assignments or group tasks. They would go late to class. They find it hard to read or study. Unseriousness is a bad thing in academics. Many students get so unserious to the extent of not even caring about the outcomes of their unseriousness.

Many unserious students tend to also have unserious friends who won't make them do the right things at the right times. Unserious students find it hard to be able to balance their social lives with their academic lives. Infact, they don't even care. Unseriousness is another reason why students fail examinations.

3. Fear Of Failure.

A lot of students suffer from this. They are always already scared of failing, even before they write the examination. Fear of failure is something that affects the emotion and psychology of students. Truth is, examination is inevitable in academics and if you are in school, you must be prepared to face exams with boldness.

Fear is a state of the mind and attitude towards something, in this case, examination. Fear of failure will affect a students study, assimilation and overall preparation.

4. Examination Phobia.

This phobia is the last minute tension that students experience before an examination. It could be likened to the surge of adrenaline that Usain Bolt would feel before a 100 metre race. Every student has examination phobia. The better and the poorly prepared students both have the same tension.

What makes the difference is how this tension can be overcome before writing an exam. Tension will lead to lack of coordination and also leads to forgetting easily what has been read.

5. Pressure To Pass.

Many students fail because of the pressure to pass. This pressure could come from themselves, from parents, from friends, lecturers or even the department. When there is no healthy competition between students in the same class, department or faculty, it then leads to pressure to pass.

Academics should be seen as a healthy competition and the excessive notion of wanting to pass mainly to please people should be discouraged totally.

EXTERNAL FACTORS

1. Inadequate Teaching.

The process of teacher-learner interaction is one of the pillars of academics. It is important, as most of the times, students won't understand what they read by themselves only. They need the teacher or instructor to make known or explain unto them the meanings of what they had read or are going to read.

When teaching is not adequate, students won't understand and when the exam question comes, you can only imagine what would happen. Questions become so strange like they were not part of the subject. They are, only inadequate teaching made it so.

2. Deliberate Failing.

In my part of the world, some lecturers could deliberately fail students and brag about it. Many students keep failing some courses, not because they were not brilliant or not, but because they had not given in to some demand by the instructor or teacher.

Many students fail yearly due to this and it seems no really strong advocacy is on ground to curb and eradicate this negative academic trend. Many students even fear to report because of the dire consequences of it.

8. Others.

A whole lot of other factors fall under this category. Serious sickness during exam time could make a student fail an exam, depending mostly on the policy of the school. Lateness to examinations could amount to not having enough time to answer questions. Exam malpractice is also a strong theme in failures in exams.

A whole centre could be failed if too many malpractices happened there and innocent students could also suffer from the consequences of this. If this post have be helpful, please share. Thanks.

THE FIVE CARDINAL POINTS OF INVESTMENT

When investment is being talked about, it isn't about having some cash somewhere and just rushing to put that cash into something and hoping it would profit. Many people have become bankrupt just doing that. Investment and investing has to be approached holistically and should be tailored around history and recent trends.

Even though there are several types of investment opportunities, in this post, I am going to talk about the five cardinal points of investment. When I say cardinal, I mean that historically and economically, these investments usually don't fail. These investment opportunities have proven to be lucrative again and again for any investor going into them.

1. Precious metals.

For over two thousand years, man has been investing in precious metals, especially gold and silver and today, wise investors are still diversifying their investments in gold and silver investment. Precious metals are used extensively in the manufacturing industry and I still don't envisage a time when it would loose it's value.

Gold and silver investments are lucrative because historically, they are not affected by inflations or economic meltdowns. They serve as an edge against physical money. This means that when money fails, which it always does, gold and silver are always used as bailouts till money picks up again.

They serve as store of value and wealth. This means that they are money in metal form and they are relevant in every geographical location of the world. Precious metals investments are arguably the wisest form of investment year-in-year-out.

2. Agriculture.

This is also an important investment sector. This covers cash crops and foods. According to Abraham Maslow's pyramid of needs, food is a standard necessity of life. Everybody eats food. People can overlook a lot of other things due to their socio-economic status, but nobody overlooks food, including the rich and the poor.

This is why investment targeted in agriculture is bound to be a good one, save for natural disasters or pestilences. Agriculture is the oldest form of investment and because it is still relevant today, it made the list of the five cardinal points of investment. So far people will continue to eat and drink, wear clothes and build things with materials gotten from agriculture, it will always continue to be a lucrative investment decision.

3. Real Estate.

Shelter is important and people have to live somewhere. Infact, real estate became a political and economic system in the middle ages when Lords who had lands controlled the destinies of serfs who get the land on lease for shelter, agriculture and military service.

To show the importance of real estate, the major wars of the world have been motivated by the urge of wanting to aqcuire more land and the resources they hold. A large percentage of the richest peoples have stakes in real estate investing as it has the spontaneous ability to always increase in value and earn investors stress free passive income for life.

4. Communication.

Even before Abraham Bell invented the telephone communication was a great economic and social interaction pillar. After he did, it has opened up the world of communication to the world, making the world shrink more and more with each passing day. Like food, communication has become integrated into the lives and cultures of people. People just have to get in touch with people by any means.

Investing in communications ranges from mails to satellite calls. Investment in this sector won't fail as people won't stop wanting to get in touch with each other, whether by manual or electronic mail, calls or texting or through social and instant messaging networks. This is why the inventors of Whatsapp and Facebook would be billionaires.

5. Transportation.

Whether it is by animals or by supersonic jet, transportation is also a cardinal investment because people have always been moving, are moving, and will always continue to move from one place to another. For people to move, they have to move by some means of transportation. In any economy, the transportation industry is one of the most important sector, that is why investment in transportation is cardinal, insofar that people have to move.

These five investment opportunities have been proven historically and economically usually not to fail. So, be wise and invest in any of them. If you have enjoyed this post, please share. Thanks.

REAL ESTATE INVESTMENT: the benefits of investing in real estate

Real estate investment is one of many investments that everybody want to go into. If many investment schemes are compared with one another, it would be found out that investing in real estate definitely ranks very high. Real estate investment is able to produce a lot of stress free income for the investor.

Below, I am going to discuss the benefits of investing in real estate.

1. Long term appreciation.

Technically, real estate is one of few investments that does not depreciate. This means that the value of a property or land does not decrease in value. What it does is that it increases in value year in, year out. Only an easily avoidable mistake would make an investor loose in real estate investment.

2. Passive cash flow.

Investing in real estate leads to passive and residual income. This income comes in the form of rents and leases, or even outright sales. You don't have to work yourself up over your investments, and you could engage a team to manage your estates for you. You just invest and see the money coming in stress free.

3. Tax advantages.

The tax advantages you get when you invest in real estate are just too numerous. Your property usually would increase in value, but it doesn't mean you pay tax on this increase in value. Infact, you don't pay tax on profits until you sell your property. You could even roll over your profits into another property and avoid paying tax altogether

4. Ability to increase rents and leases over time.

In the long term, real estate investment gives you the ability to increase your rents and leases, even faster than the rate of your expenses on the property. Even though your profits are subject to income tax, it would still rise comfortably.

5. Fulfilling professional career.

Investing in real estate is a career that is almost unequalled, in terms of the massive gains that could come from it. Real estate investors are usually among the highest paid across every industry and profession anywhere in the world.

Real estate investment is the rave of the moment, and next time you think about how to invest your money, investing in real estate is a decision you are highly unlikely to regret. If you have enjoyed this post, please share. Thanks.

CUSTOMER SATISFACTION TIPS

Whether you are in business selling a product or offering any form of service to people, then customer satisfaction should be one of your top priorities. If you can master the skill of satisfying your customers, then you would be able to retain old ones and always have new ones. Customers are the best advertisers of a product or service, mainly through word of mouth. That is why you must do your best to satsify them. Below are ways to maximize customer satisfaction.

1. Let the customer know what you can offer.

In simple ways and language, let your customer know what you offer and what you don't. For example, customers may not know that a dry cleaner also offer ironing services because the dry cleaner didn't tell them. For customers who want to dry clean and iron, they may not come to you because they won't feel satisfied.

Again, if customers discover later that you offer a service that they were not aware of, and which they needed, they would feel disappointed. A simple flyer, brochure or sign board may be all that is needed for you to let your customers know what you offer to increase customer satisfaction.

2. Genuine attitude.

Whether you are communicating physically with a customer or corresponding through mail, fax or phone; you should be able to impress on your customer a genuine attitude. For customers to be satisfied, they must have the impression that you want the best for them, and not just to collect their money. When customers know this, they will keep coming back to you.

3. Give your customer top priority.

Without your customers, you won't be in business or service, so you must give them top priority. For customers to be satisfied with your services, you must attend to them first before doing any other thing. Customers hate to queue, but believe me, they will remain on that queue if they know they are being given top priority instead of being abandoned.

But if customers feel they are not being taken serious, they may leave and may never come back. Worst of all, they spread the word around if not treated well. Customer satisfaction means that customers should be put before any other thing.

4. Equal treatment.

Customer satisfaction is that feeling you put in customers that will make them continue to come back. Customers hate partiality and being biased. Whether in prices of products or in rendering services, customers value being treated in the same way. Customers hate it when a fellow buyer or client is treated far better than them. If customers know your integrity of equal and fair treatment, you may retain them for life.

Customer satisfaction goes a long way in determining the success or the failure of your business. So whenever you see a customer again, do whatever it takes in satisfying that customer. That is always what makes them come again and again. If you enjoyed this article, please share it. Thanks.

PREPARING FOR OLD AGE

Every young or middle aged person wants to grow old, but the question remains of how many of these are preparing for old age. In recent times, maybe due to the economic instabilities of the world, there is an higher increase of old people living in worse conditions. These conditions could be health, relationship, or socio-economic related.

Old age is generally accepted to be 60 years and above, but it doesn't just come suddenly. It takes about 30 years of youth and about 30 years of middle age to arrive at old age. This is why it is important to start preparing for old age as a teenager. When old age is not prepared for, it becomes frustrating and makes life a utter regret. Below are tips for preparing for old age.

1. Recognize the fact that you would get to old age someday.

If you can't admit or recognize this fact, then there is no point preparing for old age. If people don't die young or die in middle age, they eventually reach old age and this is reason enough to prepare for old age. If you can recognize this and also the fact that old age is the most important part of the stages of life, you would do everything in your capacity to prepare for it.

2. Decide to have children early.

Having children early in life is usually a great advantage that begins to help right from middle age. This does not mean individuals should have kids they can't train well all in the name of wanting to have early children. Early children is an important step to prepare for old age because by the time you get to old age, they would have come of age and probably would be on their own.

This would be a great relief on you as it is not good to be 60 years and still be raising a child of eighteen. It would be added stress. Have children early to have a stress free old age.

3. Give children the best training.

Just having children is not enough but to take the pain in giving them the best training that would establish them well in life. It is not uncommon these days to see adults with children still bothering their aged parents for finances. Even though the reason for this may not always be poor training, the best training would still go a long way in preparing for old age.

4. Have a retirement account.

A retirement account is usually the last financial hope of most old aged individuals. Imagine getting to old age and realising there is no money to fall back on after retirement. That would be a miserable old age that wasn't prepared for. Retirement accounts are monies deducted monthly from salaries which could be collected after retirement as a lump sum or monthly as salaries. Plan your future from today by having a retirement account.

5. Have a durable investment.

Apart from having a retirement account which is usually not always enough to cater for the finances of old people, it is advisable to invest in the future. There are a lot of investments that would allow for passive income during old age as the ability for physical work is no more there.

Investments like real estate, precious metals and many others are a good way to prepare for the future, as it has been proven that lack of money or insufficient money is one of the nightmares of old age.

6. Maintain good relationships.

Old age is always usually characterized by loneliness and boredom. Infact, apart from age related diseases, loneliness is a major killer factor of old people. While growing up, make and maintain a healthy relationship with neighbours, family, colleagues, acquaintances and friends. These same people are the ones who would be with you in your old age.

If you don't want to have a lonely old age and die too early, you must prepare for that old age by having a large heart.

7. Have a passion.

A passion is something which comes natural that you love doing anytime, anywhere and anyhow. A passion is like a second friend that will be with you till death. If your passion is a strenous one, you can learn or develop a less tasking one as you age. A passion could be in sports or in the arts and these are things that could be done till death.

8. Live a health conscious life.

Most old age related sicknesses and diseases are most times usually a reflection of how individuals have lived their early lives. So, right from youth, you should be conscious of a positive healthy lifestyle to prepare for old age as this will make you age gracefully. Cut all excesses, maintain a life of adequate exercise and good eating and drinking habits. This will prepare you adequately for old age.

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BEFORE YOU START YOUR INTERNET BUSINESS

A large percentage of beginners going into internet business end up getting frustrated and eventually quitting. You don't have to be one of them. Before you start your online business, I suggest five criteria to consider so you won't end up frustrated and quit before succeeding.

1. Be Prepared.

Assuming people want to start a retail shop, they go to every length in preparing for it; but if they want to go into online business, they feel they don't have to prepare. If you want to succeed online, your preparation must be rigorous as the internet is vast. You must be prepared for the time and energy that goes into it.

Read numerous books and articles on online business and get the basic things you need ready. Take enough time to thoroughly understand the internet and how it works before launching out.

2. Know That The Internet Isn't Money Magic.

The internet is not a place where people pluck money freely by a click of the mouse or a press of the keyboard. It is no joke that online businesses are generating hundreds of millions of dollars, but it didn't start that way. You should realise that even people who are making millions on the internet have had years of frustrations, sacrifice, and dedication before they started making their millions.

3. Focus On A Specific Niche.

One of the major mistakes beginners make is that they fall into the temptation of wanting to do everything they find on the internet. To succeed in online business, you have to be able to focus on an aspect. It seems painful in the beginning, but has long term gains.

The internet is too vast and nobody can do everything. What you will focus on may mostly depend on your experience, educational background, or skill. The goodnews is, no matter what your own is, the internet has a place for everybody.

4. Be Honest.

The internet is now so full of scams that it is sometimes hard to believe that anyone is still doing legitimate business. In internet business, whatever scamming would do for you, honesty would do more for you. In online business, the participants mostly never see each other, and that is why honesty speaks louder on the internet.

Dishonesty would spoil your reputation and ability to earn any serious money online. So, be prepared to do honest business.

5. Be Patient.

Lastly, you have to be able to give yourself time to gain experience from the numerous mistakes you would make. Doing online business is real hard work, regardless of what many scammers portray it to be. You have to be patient in carving a niche for yourself in that particular niche you have chosen. The internet awaits you. Go and start your own internet business. If you have enjoyed this post, please share. Thanks.

SEVEN STEPS TO RESOLVING CUSTOMER COMPLAINTS

Customers are king, and they are the main reason that you are in business. Even though customer complaints can't be totally eradicated in day to day business, skillfully resolving customer complaints will go a long way in preserving your product and service.

Customer complaints are good as they make it possible for business owners to improve on their products and services. Also, it increases the bond between customers and the service provider. Here are several steps in resolving customer complaints.

1. Listen Intently.

Dealing with customers can be very tricky, especially when they are angry. A good listening skill is needed to be able to deal with a complaining customer. Listening may not be applicable if your customer complain comes through a review. In this, you must read every review and understand it to be able to provide adequate feedback to the customer.

It is tempting, but you shouldn't interrupt customers when they are complaining, even if they are wrong. It tends to get them angry. While listening, treat customers like they are the most important thing to you at that moment.

2. Thank The Customer.

If a customer deems it fit to complain about your product or service, then that customer needs to be thanked. What if the customer had just kept quiet and left? It is unlikely they will patronize you again. A customer that is thanked for complaining would be surprised, and tend to be calm, even if angry. Thanking your customer for complaining is a key step to resolving customer complaints.

3. Apologize.

Whether customers are right or wrong in their complaints, apologize sincerely. Trying to justify that customers are wrong and you are right will only lead to more disagreements, and no tangible solution would be reached. Apologize on behalf of yourself or the company you represent to make it feel personal to customers. It is hard to apologize when you are not wrong, but with a customer, you have to do it.

4. Seek For The Best Solution.

In resolving customer complaints, don't just seek for a solution, but the best one. But it has a trap. Never profer a solution that you cannot meet. Allow your customers to suggest for solutions that best suits them. Never profer a single solution to your customer, but present options for the customer to choose. Also, you shouldn't force a solution on a customer against their will. If they are not satisfied with your solution, it will affect future dealings.

5. Reach An Agreement.

After your customers have chosen a solution, make sure you reach an agreement. Make customers very sure of the solution they had chosen. Reach an agreement that is both satisfying to you and your customers. When you don't reach an agreement, and you profer a solution, customers may turn it down, and this is not good for your company or business.

6. Take Quick Action.

After reaching an agreement, it would be so unwise to keep customers waiting while you provide solutions. This will again dissatisfy them. Prompt action must be taken, and it always wise to give customers a time frame while you seek the solution. If a solution is going to take you about five minutes, tell the customer to give you about eight minutes.

They would appreciate it more if their solutions come earlier. Never make the mistake of trying to please customers by giving them a time frame shorter than you will meet. If you will provide a solution in ten minutes, don't tell your customers to give you nine.

7. Follow Up.

The last important steps to resolving customer complaints is to follow up. Always make sure to get a contact detail of the customer to follow up after they might have left. Customers would feel important if they receive a call, an sms, or a mail checking on them to know the status of solutions provided. If you like this post, please share. Thanks.

BEFORE YOU INVEST IN REAL ESTATE

Even though it is always tempting to rush into real estate investing as it is one of the safest forms of investment, you still must be able to fulfil some conditions. Generally, it is believed that most people can succeed in real estate investment, if they are willing to put in their best. Before you invest in real estate.

1. Determine whether real estate really interests you.

You must understand within yourself whether you are just after gain, or you really have the passion for it. It is not enough that you are curious about investing in real estate, but you must be convinced that you really want to. If you are not totally convinced, it wouldn't be advisable to venture into it. If the thought of it gives you peace, then do it, but if not, wait.

2. Be financially healthy.

It is important to understand your financial status before going into real estate. You must count your costs before embarking. If you are weighed down by consumer debts like mortgages, overdraft, car loan and others; then you should consider paying off your debts before investing.

Debts would be a barrier to smooth investing, so you have to do away with them. Also, knowing how to spend wisely will be a bonus. You mustn't be spending more than you are earning.

3. Be able to create sufficient time.

Real estate investment does not work on autopilot. You have to be able to put in a lot of work which consumes time. You have to be able to devote time to investigating the best deals, engaging competent property managers and resolving tenant issues. If you think you wouldn't be able to devote necessary time to real estate investing, then it may not be for you.

4. Determine whether you can handle challenges.

In real estate investment, challenging issues will always arise. The process of searching, negotiating and closing a deal can be full of stress. Even when you eventually own the property, day to day challenges would arise. If you can handle stress, challenges, and problems, then real estate is for you. If you cannot, then a property manager would reduce the trouble.

5. Will you be able to accept fluctuations?

There is no investment advisor than can really predict the future of investments. They can only advise, based on past and current trends. If real estate is booming, and suddenly, prices starts to fall, will you be able to weather the market fluctuations. If you can answer yes, then you would do well in real estate investment.

In conclusion, you should also know that real estate investment is one of the wisest investments for today. If you have enjoyed this post, please share. Thanks.

THINGS TO KNOW BEFORE YOU ADVERTISE

Having a great brand or service alone is not enough to sell that brand or service. Every manufacturer or service provider would want to make their brand or service widely known and accepted. This is where advertising comes in, and this has now become a business culture with billions of dollars spent yearly on it.

It might be true that you have a great brand or service, but just before you rush into advertising, critically consider these factors.

1. Perfect The Standard of Your Product or Service.

The aim of advertising is to get your product or service to a wider audience. This wider audience could be geographical or economical. A substandard product or service being advertised is only asking for disaster. It is better not to advertise a substandard product or  service than to do so and prematurely kill the potential of it.

Before advertising, be sure the product or service you offer is of high standard, and can compete with others in the same niche.

2. Do A Product Survey.

If you intend advertising a product, a product survey could give you an insight of what to expect when you advertise that product. A product survey will make you know whether users would accept your product or not. It is all about sending a sample product and a simple questionnaire to potential consumers. They would use the product and fill the questionnaire. The analysis and result of the questionnaire would determine how the product would be accepted if advertised.

3. Determine Why You Want To Advertise.

The general motive behind all advertising is to create more awareness for a product or service. Before advertising, you must know why you want to do it. Advertising without a motive is like eating without knowing why you are eating. You must determine whether you want to use advertising to reach more people or to educate them about the product.

A lot of self advertising products, especially consumer goods usually aim to sensitize people about promos and discounts with their advertising.

4. Plan Your Advertising Campaign.

No matter what form of advertisement you want to adopt, you must plan from the beginning the amount of money you are willing to spend, and for how long. There are so many advertising options today, and you must be able to choose the one's that best suit your product or service. For consumer goods, it is advisable to choose an advertisement that would appeal to the public's sense of sight.

The public are mostly influenced by what they can see. Also, by working with an advertisement agency, you would be able to benefit from their influence and experience.

5. Will You Be Able To Increase Or Maintain Standard Or Quality?

Before you advertise, you must be able to envisage a positive outcome from your advertising. Determine whether you would be able to maintain or increase your standard in the long run. Increased demand as a result of an advertising campaign could be a serious test to the quality of your product or service.

You will disappoint consumers or clients if the quality of your product or service is decreasing. You shouldn't aim to sell more products or service at the expense of quality. Why? Because your quality is what differentiates you from others.

6. Will You Be Able To Meet Up With Increased Demand?

Do you have the capacity or the flexibility to increase production or deliver service when demand increases? When you can't meet up with demand, you present yourself as unplanned and unprofessional to clients and customers. And when they have that impression, they tend to leave you for your competitor, even though you may have a better product or service delivery.

Advertising should not be rushed into without first knowing some important things. So before you advertise, make sure you have fulfilled these things to the best of your conscience. If you enjoyed this post, please share. Thanks.

INVESTING IN GOLD WITH REGAL ASSETS: how it works

Are you interested in investing in gold?, but don't know yet what company to do business with. Your search is over, because in this post, I am going to share with you reasons and benefits why your gold investment should be with Regal Assets. Whether you are planning on having a precious metals retirements account, or just diversifying your investments, they are the best in the industry.

* For a start, Regal Assets is currently the only precious metals firm holding an A+ rating with the Better Business Bureau and a AAA rating with the Business Consumer Alliance. They also have over 333+ 5 out of 5 star verified client reviews with TrustLink. Also, they have also been featured in major publications like Forbes, Smart Money and Inc. Magazine. Regal Assets has been rated #20 in the U.S for financial services by Inc. Magazine and has also been featured in the 2013 investment Guide for Forbes magazine.

* In the area of investing, including retirement accounts, they have one of the fastest shipping and delivers precious metals to clients within 7 business days of account funding. This is remarkable because it takes most competitors over 30 days to deliver and as long as 90 days for retirement accounts. Even if they miss the 7 business day deadline for shipping, Regal Assets would add a free 1 oz. Silver American Eagle to the client as compensation.

When items ship, the client is notified and receives a tracking number to be able to track the precious metals right to their front door. All precious metals are sent out discreetly and are fully insured. Regal Assets takes full responsibility for precious metals until they are signed and received by the client.

* When it comes to retirement accounts, Regal Assets are the industry leader providing the best storage and fee structure as well as the quickest processing time. They store their precious metal retirement accounts with Brinks and are the only precious metals company that has segregated storage with Brinks for a flat fee of $150.00 per year. Most of their competitors start at $225.00 per year for segregated storage and typically don't offer it.

Administration fees for the year on all retirement accounts are a flat $100.00 regardless of the increase in value of the account, but most Regal Assets competitors charge clients extra money for increase in value of the account.

* When it comes to processing times, regal assets is the only company that does everything electronically, and this means clients don't have to hand sign documents. Doing business electronically eliminates many issues that their competitors run into and also shortens the transfer process. Since everything is done electronically, Regal Assets can open a new IRA account within 24 business hours of receiving a signed application form.

Their competitors take up to 5 to 7 business days to open a new IRA account. Also, when it comes to transferring requested funds from a custodian, Regal Assets typically get it done within 48 business hours.

* Regal Assets covers all first year dues for client's retirement accounts which include setup fees, administration fees, storage fees and delivery of metals. This is a savings of over $700.00 which most of their competitors make their clients pay. All retirement accounts will not receive a bill until the second year at a flat bill of $250.00. After the client locks up precious metals prices and funds their precious metals accounts, Regal Assets will typically ship to Brinks within 7 business days, fully insuring the precious metals.

With all these numerous advantages and benefits, make a decision today and invest in gold and other precious metals with Regal Assets.

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AFRICA, OUR AFRICA

Africa is the home of the black people, but if the black people are becoming strangers in their own lands, then what can we do? I believe it is more harder to live in Africa than even in the middle east. The middle east may be one geographical boiling cauldron, but they still have countries that could be said to be very developed, like Israel.

Africa is different. Out of the over fifty countries making her up, there is none that can be said to be a first world nation like Germany in Europe or South Korea in Asia. You can talk of countries like South Africa or Botswana, but these countries are still farther away from the worst countries in Europe.

The average african deals with an inflation rate that makes big money small and small money like nothing. In Nigeria, the inflation rate is about 18 percent. When stuffs are scarce, their prices would be high. Even when stuffs are abundant, their prices may still be high.

The african deals with a currency that is almost useless in value compared to international standard. In Nigeria, a dollar is about 365 naira. This means that a dollar in the hands of an america will buy 300 naira worth of recharge card and there will still be change. No american sweats to get one dollar, but many africans don't even earn one dollar in a day. So pathetic.

The african deals with a system where there are almost no social palliatives. Even if there are palliatives, many africans still can't afford them. Many times, you find that it is the rich people or the friends of politicians who can even afford these palliatives. That is why in africa, you find so many big business thriving on the grounds of monopolistic concessions. The banks? They don't give loans to ordinary people. They never do that.

The african deals with governments that don't offer them anything. Truth is, it can't always be the faults of the politicians. Many of them are elected by the people. This makes me wonder where africans put their brains when they are voting. When people vote rightly, no election rigging would entrench unwanted people in leadership positions.

Many africans prefer to criticize politicians, but they themselves won't get involved in it, even if they believe they can make more difference. Many times in africa, elections are between bad choices. I mean all the contestants would be bad choices, but people still have to vote, so they vote for the lesser evil. Who then do we blame? The people or the politicians? We blame the people. Why? Simple. The politicians are not aliens and they come from the people.

Today, more africans are leaving africa than any continent in the world. They want to go to Canada and the USA, especially USA where they feel they can live better lives. Who can blame them? If africa is conducive, with a low inflation like G8 countries, better currency value and other good things, nobody would be wanting to run away. I use run away as many africans don't intend returning.

Many times, you would wish you were not african, but now that it can't be changed, we just have to keep hoping that our hope is not a waste of time. If you have enjoyed this article, please share. Thanks.

THE STAGES OF LIFE

Life as is known is not one stretch of living. Life is divided in phases and periods. One phase doesn't last forever and only leads to the next one. How well an individual maximize a stage may determine how well the next stage might be. These are the stages of life.

1. The Stage Of Fun.(Birth to about 29 years)

This is the period from childbirth to about the end of youth. This period is divided into childhood, teenage, and young adulthood. This is called the age of fun because the approach to life is always weak. Most times in this period, individuals live a life of freedom and may lack resposibility.

Decisions in this stage are made mainly without regard of the consequences. Actions are carried out without thinking of the outcomes or implications of the actions to family and society. Because of all these weak approaches to life, individuals may lack little or no power of deep reasoning. It is also important to note that lifelong mentalities and philosophies are usually formed at this stage. Also, careers are usually determined at this stage and talents and gifts are also discovered.

2. The Stage of Reason.(About 30-59 years)

This stage encompasses adulthood. At this stage, youthful exuberance would usually had worn away and the realities of life has set in. This is usually a time when individuals get married, start working and also raise children. There is usually a high sense of responsibility to family, society, work, and religion and the effects of decisions are considered before making and implementing them.

This is the stage when men usually achieve or don't achieve the dreams or goals they set during the age of fun. At this stage, old habits(usually bad habits) are dropped and replaced by new ones(usually good ones). Dreams, aspirations and goals are still vigorously pursued at this stage, and making or having more money is usually the top priority of individuals. In the stage of reason, individuals usually regret the mistakes they may have made in the stage of fun, and may wish there is opportunity to go back and live it right.

3. The Age of Reflection.(60 years till death)

This stage is more of reminiscing about the past than looking forward into the future. This is the time when most individuals retire from working and the power and strength to work has greatly diminished. The approach to life is usually balanced and loneliness and boredom are usually the biggest nightmares of this stage. Individuals reflect on the lives they had lived from birth to that time, drawing strength only from good memories.

At this stage, individuals usually talk more about their lives and want to know more about what is going on locally and globally. Also, individuals tend to think that this stage should be used to heal old wounds, forgive people who had offended them and seek for forgiveness from people they had offended in preparation for death.

Whatever stage of life you are, I hope I am close to the truth in describing it. If you have enjoyed this post, please share. Thanks.

HAVING A HAPPY MARRIAGE

In this critical times when most marriages end up in divorce, and many more are having unhappy homes, having a happy marriage looks like an illusion. You don't have to be discouraged about the facts and figures as you can make your marriage work. It all depends on both you and your partner.

Wanting to get married is not the issue today, but the ability to make that marriage work. To have a happy marriage ;

1. Marry Right.

The foundation of your marriage matters a lot. If the foundation is wrong, then a happy marriage cannot be automatic. The process of finding a partner, going through courtship, proposing and getting married should be a very cautious one. Realize that even though love is important, it is still not the only thing to consider in having a happy home.

Never jump into any marriage. Analyze the pro's and con's of it, and you must be sure that your partner is someone you want to go the extra mile with.

2. Determine To Make Your Marriage Work.

Having a happy marriage is serious work and determination. This determination should be from both the man and woman. Marriage poses many challenges and difficulties, and the temptation is always there to bail out at the first sign of trouble. Only determination will make partners stay in a marriage and continue to work it out.

Marriage is all about the coming together of two imperfect people to draw perfection out of it. Marriage will always be ups and downs, but with determination, it would be a joyful experience.

3. Solving Problems.

Problems will come in marriage, as a result of differences in actions, thoughts and approaches of couples. When such happens, never run away from the problem, but tackle it head on. Couples should talk about the problem and express how they feel about it.

Talking about the problem shouldn't be put off to a later date. The longer it is postponed, the harder it may get to solve it. Whether partners disagree or not, they should still respect each others feelings. Also, partners should listen to each other carefully to be able to find a common ground.

4. Managing Money.

Issues of money cause a lot of problems in many homes. Couples should be honest with each other about incomes, and should be able to trust each other on how to spend money. Financial planning must be put in place and adhered to. Couples shouldn't indulge in self gratification at the expense of each other, and due consultations should always be made before spending.

Couples should train themselves to be able to live within their means and avoid financial obligations that would strain their finance and relationship.

Even though it is increasingly becoming difficult to have a happy home, you can determine that yours would be different by insisting on having a happy marriage. If you have enjoyed this post, please share. Thanks.

THE IRONIES OF AN ABSOLUTE SYSTEM

The foundations of the world has been built on systems that make it up or make it work. As the world and man evolved, man has continually set up systems he feels would bring orderliness and meaning to life. There are the educational system, health, political, economic just to mention a few. My focus would be on the economic and political system and their ironies.

In the past, it was much more easier to separate the economic from the political system, but today, it has become almost impossible to do that. Political and economic systems are now interwoven that the economy adopted determines the politics and vice-versa. From the feudalism of the middle ages to the capitalism of the 21st century, history has shown that an absolute system only leads to anarchy and chaos.

Past political and economic leaders have learned the hard way in the inexperience and folly of entrenching or trying to entrench an absolute system. An absolute system is the idea that a particular system is enough on it's own to satisfy the economic and political wants of the people without external influence, no matter how little.

This means that a people would believe that capitalism alone is enough or that democracy alone is enough to have a sane system. A system could have general features or characteristics, but no nation can claim to practise it the way it ought to be. Wiser leaders understand that when a system like capitalism is the constitutional economic system in a country, it only means that capitalism is only about 70% feasible while other systems are entrenched inside that capitalism.

A country like the USA is a perfect example. For a capitalist nation, it would be assumed that the idea of social security or Obamacare wouldn't be adopted. Social security and Obamacare are ideas entrenched in communism. This means that all capitalism and no communism will lead to revolution, and all communism and no capitalism will lead to anarchy.

Socialist China is another example. It only means that China is socialist most of the time, and capitalist more of the times. Freedom of religion and association are not core socialist values, but that is what happens in China. China operates a strong free market, and that is why their products find their way to many parts of the world. And we should not fail to realize that a free market is a core socialist evil.

Democracy is supposed to be a political system that should abhor every form of absolute or dictatorial powers, but the executive orders of a president are his absolute powers. Executive orders are usually the way of absolute or military dictatorships. This means that all democracy and no dictatorship will lead to disaster.

An absolute dictatorship like Hitler, Stalin, Mussolini and Idi Amin, with no democracy will lead to revolution. Every system abhors an absolute stance, and no absolute system can hope to survive long to be generally acceptable by the world. This is why absolute communism, feudalism, nazism, facism and military dictatorships all crash by themselves.

These are the ironies of an absolute system that will always make it a system for an immature era and inexperienced people. If you have enjoyed this post, please share. Thanks.

HOW YOUR LIFESTYLE AFFECTS YOUR HEALTH

The health sector is usually one of the most important sectors in every society, and the health of an individual is usually one of the most important aspect of that individual's life. Good health is so important as the productivity of an individual, and the quality of life that individual will live is based on how best their health condition is.

As more sicknesses and diseases seems to be emerging daily, the health sector has come under a heavy strain in meeting up to  the demands of providing quality health services. In the past, health practitioners had focused on enlightening people about what causes sicknesses and diseases. This idea is based on the premises that people would always fall sick. Later, they shifted to trying to increase efficiency in health care delivery.

Today, health practitioners are now preaching the message of prevention, which is the best approach to date. This is based on the premises that people don't have to fall sick in the first place. Trying to prevent things that will cause diseases and ailments may sound easy, but it is not, as it has it's basis on the lifestyles of different individuals. The way individuals live their lives may not be all it takes to prevent diseases, but it sure takes a larger percentage.

What individuals eat and drink, and how they eat and drink them eventually affects their health. The eating pattern of the world have gradually shifted to people consuming more of fatty and processed foods over fresh foods. People consume more of alcohol and processed drinks in unhealthy proportions. All these eating habits would inevitably lead to health complications.

That is why, today, more and more people are becoming overweight and obesity is rising at an alarming rate. Being overweight or obese leads to health complications like cardiovascular diseases, high blood pressure, diabetes and others. It seems that in today's world, there is no point trying to get people to stop eating and drinking junks, but the value of moderation cannot be underestimated.

More people are increasingly living sedentary lifestyles. At homes and in workplaces, people nowadays stay more in prone positions. Even children are not left out, with the average child prefering to play video games and watching tv than engaging in outdoor recreation. Added to this is a lifestyle of less physical exercises by individuals. Sedentary lifestyles leads to postural defects, weight gain, and cardiovascular diseases. Lack of exercises leads to lack of fitness and endurance.

Smoking may not be the cause of lung cancer or other smoking related diseases, but it sure increases the risk of having them. Smoking does not only harm the smoker, but also others who inhales the secondary smoke. In the issue of sexually transmitted diseases, a whole lot of them could be prevented by living a life of abstinence or protection. A lifestyle of sexual promiscuity will more likely lead to contracting diseases.

In recent years, many health practitioners have argued whether lifestyle alone is the only factor which determines a healthy or a sickly life. A lot of times, diseases could be hereditary, genetic, or simply unexplainable. This raises the question of whether the knowledge of family health history could help prevent the likelihood of having some certain diseases.

Even though lifestyle alone will not be the only guarantee of not falling sick, having a health conscious lifestyle will positively affect your health. If you have enjoyed this post, please share. Thanks.

HOW THE WAY YOU VIEW LIFE AFFECTS YOU

The way man views life is usually a function of his thoughts which leads to decisions. This decisions leads to convinctions and convictions leads to actions. Actions can either lead to man making mistakes or getting it right. In all these, reason makes it to be believed that the way man views life eventually affects him.

When man wants something, and sets his heart diligently to achieving that thing, man eventually achieves it because he thinks he can. Reason will also argue that man never gets everything he sets his heart to get. Life may not judge man based on what he wants or doesn't want, but why he may want that thing. The subconscious of man doesn't lie, but the consciousness of man can manipulate or be manipulated.

Life, and it's forces deals with man based on what he doesn't express or know, but which may be the reflection of what he truly is.

If man sees life as a bleak and unworthy venture, then the quality of life the forces of life will give him will be based on that view. Man does not see life as bleak and ends up living the best life by coincidence and accident. A bleak view doesn't stumble upon a better life. Whatever man wants is what life eventually gives. And if life does not give man what he wants, then we can assume that this is beyond reason.

If man sees life as a worthy venture, and believes success is achievable, then the forces of life will give man success. They that chase greatness eventually become great, either as tyrants or as nobles. Greatness and success are not accidental, and the decisions of man, based on his thoughts would eventually make life give them to him. And if man chases greatness and success, but life does not give them to him, then we can assume that this is also beyond reason.

Many times, man thinks that what will be will be. It all depends on what man wants to be. If man thinks that it will good, then it will be more likely to be good. But if man thinks situations will be worse, then they are more likely to go bad. The way man views life eventually determines what will become of him in life.

If all men begins to be positive in their views of themselves and the way they view life, maybe the general quality of life will be better than what we have now. If you have enjoyed this post, please share. Thanks.

THE POWER OF ADVERTISING

Advertising is the wheel of information that revolves around the world. Information and advertising are the only two different things which are still the same thing. Without advertising, which is information; and without information, which is advertising, the world would be a huge expanse of ignorant waste.

From the news reporter from the scene of a homicide to the copywriter in the corner of his office, advertising has become the most powerful tool of knowledge, awareness and imagination. Advertising has become a global economic entity on it's own and every year, billions of dollars are spent to advertise. Advertising has become the soul of the world. From the propaganda of politicians to the grocery seller by the side of the road, advertising has established itself as the world's global culture.

Advertising is news, and that is why manufacturers and sellers spend billions of dollars each year to make people aware of what they have to offer. Producers have long realized that the best distribution and production method alone cannot lead to a rise in the rate of consumption, which would correspond with production. Hence, advertising is used as a universal saviour to increase consumption, distribution and production at lesser cost.

The senses of man are the door to the soul of man. Man is affected by what he sees and hears, by what he smells and feels, and by what he tastes. This is why advertising is used as a powerful tool to influence and manipulate the minds of people, no matter their background, religion, language, race, or economic status. Advertising is like a big global story being told about the same things, but in different ways.

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Advertising is used as a tool to stir up new wants, behaviours and mentalities in the minds of people. It changes the way people view the world in themselves and also view themselves in the world. It shrinkes the thousands of miles that make up the world and turn it into a virtual world, a world without sea, road and air. The death of advertising will be the death of all enterprise, and the powers of advertising will continue to be absolute.

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LEADERSHIP SKILLS FOR GROWING YOUR BUSINESS

In today's world, it is not enough to have a business, but to be able to have great leadership skills that will grow that business. It has been shown that the difference between a successful business and a failing one is the quality of the leadership. The success of a business usually depends on how a leader is able to influence employees in achieving the visions of the business.

1. Have A Dedicated Team.

This is usually where it starts from. A good leader must focus on bringing together a team that will help fulfil the vision of the business. The team must be unified and loyal to the business as a whole. A good leader must know how to recognize the best talents in a particular niche; bring them into the company, and be able to keep them.

Only then can the leader have a team that will take an idea from nothing to make it acceptable by the society.

2. Be Available And Accessible.

As a leader, to grow your business, you have to be available. This means that you have to be on ground to oversee the business, solve work related issues, customer complaints, and even staff related issues. When leaders are not available when needed, it means they are already loosing control of the business. This affects staff discipline, work output, and customer relations.

Also, good leaders must have a system in which staffs can easily have access to them. Creating unnecessary barriers between you and your staff means that you wouldn't know most of the things going on in your business. To grow your business to the height you want, be available and accessible.

3. Take Responsibility.

Leaders are not infallible. Even the CEO's of big corporations make mistakes from time to time. As a leader, you must learn to accept responsibility for your actions. You must realize that not all your decisions will be good, so you shouldn't put the blame on others. If you give an instruction to a staff, and it leads to a mistake, you shouldn't blame the staff who carried out the instruction. You shouldn't also blame yourself, but to simply own up to your decision.

4. Communication.

Another leadership skill for growing your business is to be able to express yourself well. When you give instructions to your employees, make sure they are clear and easy to understand. Your instructions mustn't confuse them more. Communication is a two-way channel. You must also be able to listen well to your employee.

When you have a listening ear, they will tell you anything, including suggestions that would propel your business to the top.

5. Motivate Your Employees.

Motivating your employees is like a catalyst that would inspire them to produce more quality results for the business. When staffs are motivated, it makes them feel valued and important to the vision of the business. This will make them to want to do and sacrifice more.

Motivation doesn't necessarily have to be a promotion or money, even though they are part of it, but a simple "good job", or "well done" is enough to do the magic of growing your business. If you have enjoyed this post, please share. Thanks.

THE VANITIES AND UNVANITIES OF LIFE

Scientists claim that the world is billions of years old, and man's existence on earth is millions of years old. With all these years of man's experience of living life, nobody seems to know how to live life yet. The Preacher became angry at what his immense wisdom was able to make him discover about life, that life is a cycle of vanities.

The cycle of the vanities of life seems to be a pulling momentum, drawing everyone into it without any power or choice to resist. Life is a vanity, but nobody wants to stop or know how to stop it. The knowledge or the ignorance of life's vanity does not matter as that vanity affects all men.

Life is all about trying to do the same things for almost everybody. The young wants to grow old and the poor wants to get rich. The rich wants to get richer and foolish wants to get wiser. The tenant wants to have a house and the cleaner wants to be a director. Everything about life only revolves around wanting to achieve something. Still, nobody has discovered how to live a better life.

If it has been agreed that life is a vanity, and the pursuit of it is not a way to live a better life, then how can man live a better life? If man knows life as a vanity and decides not to chase it, it still doesn't mean that man has chosen the right part. From the monk in the monastery to the CEO on Wall Street, nobody can determine who is living the better life.

If man is lucky to be able to pursue and acquire vanity, fellow men would point out that it is a worthless venture. Man will point out the ultimatum of death and ask what the point is in chasing vanity. The pursuit of vanity can only be a worthy venture if men don't die, but when men die, then the folly of the lives they had lived is revealed in the magnifying glass of helplessness.

If man decides not to chase vanity, fellow men would point out that it is a worthless venture. Nobody seems to want to align themselves with people who are assumed to lack ambition and purpose. If man does not pursue vanity, he lives like an enemy in the midst of many friends. Vanity is not worth chasing, but unvanity is a greater absurd to the system of the world.

Life has been made to run on the wheels of vanity, so everyone is just hopelessly entangled in it's web. Life preaches chasing vanity, even though the same life will condemn it at death. Life also preaches unvanity, even though the same life will condemn it at death as having made no impact.

If man happens to find himself in life, then he shouldn't bother trying to set out on a course of determination of living a better life. Life is so wise to present two bad choices to man. Whatever choice man chooses would still be wrong. When two wrong choices are presented to man by life, then nobody can claim to be live right. If you have enjoyed this post, please share. Thanks.

HOW TO EXCEL IN YOUR ACADEMICS

The academia is a world on it's own and in one way or the other, most people are bound to pass through it. Many people go through academics without excelling, or achieving their desired aim. That is why in this post, I am going to teach you proven ways on how to excel in your academics.

A lot of people going through academics always fail to realise that academics is work on it's own. And like any other work, it needs a lot of attention. With these simple ways, you are on your way to excelling in your academics.

1. Have A Positive View Of The Subject And The Teacher.

People seldom excel when they do what they don't like. It is the same in academics. If you hate the subject matter or the department, it would seriously affect your results at the long run. Only offer subjects that you have an interest in or you love. Also, you must not hate the teacher or the lecturers.

Studies have shown that students don't do well when they don't like the subject or the teacher. This is the reason why academics is broken down into several fields. Only choose the field you have the flair for and you will easily excel in it.

2. Attend Classes Diligently.

Except when you are running a distance learning program, attending classes should be a standard for you. Studies have shown that the best performing students always fall within the categories of students with the highest attendance rate. Check your class, and you will discover that the best students don't miss classes. Also, most times, the lowest performing students are usually the one's who skip classes.

3. Set Your Priorities Right.

Not everybody going to school is there to achieve excellence, but you don't have to be part of those group. Setting your priorities mean having control of your time and how you use it. You have to deal with various aspects on the basis of how important they are. You must know when to socialize and when to read. You must know when to play tennis and when to sleep.

If you can't set your priorities right, people would set and control it for you, usually to your academic detriment.

4. Make Serious Friends.

The people you make friends with may determine how you will excel in your academics. Serious students always befriend themselves and unserious students always befriend themselves. Make friends with students who will encourage you to attend classes and to read regularly.

Make friends with students who will consciously or unconsciously teach you how to prioritize and manage yourself in time.

5. Daily Quality Studying.

The most important way to excel in your academics is to set aside time for daily studying. The time, as well as the studying must be quality and not quantity. Some experts have advised that students should be able to study for about three hours daily.

You have to discover the reading pattern that gives you the best result. Another important thing in studying is to solve a lot of past questions on the related subject matter. Make a decision today of excelling in your academics. If you have enjoyed this post, please share. Thanks.

HOW TO INVEST IN GOLD

Gold is one of the wisest wealth protection strategy that anyone can implement. Many people want to invest in gold, but don't know how to get started. Information is power, and I am going to share with you how to invest in gold. Before we go into how to invest in gold, we should know the benefits of gold investment.

* To Increase Wealth.

As a result of golds appreciative value, wealth can be increased in the long term in gold investments. This is a strategy that wise investors use to their advantage.

*  To Protect Wealth.

Gold is used as a wealth protection strategy to reduce capital volatility, provide insurance against risks, secure pension funds and reduce risks.

* As Hedge Over Currency.

Gold always rises when currency is falling. Also, historically, gold performs better than all the other means of investments like stocks, real estate or bonds. Don't wait to invest in gold. Click the link below.

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Having known why you should invest in gold, I am now going to talk about how to invest in gold.

1. Jewellery.

This is the most popular form of investing in gold in the world. Every year, 50% of the gold purchased is in the form of jewellery. Jewelleries always have higher values due to the cost of manufacturing.

2. Physical Gold.

Physical gold are divided into coins, bars and rounds. 1 oz Gold American Eagle is considered a physical gold. Physical gold does not require an investor to report any gains or losses. Request a free gold kit below

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3. Mining Stocks.

These are also called leveraged play on gold. Performance of mining is not only on gold alone, but also on operational costs, management, and environment. In mining stocks, mines can either underproduce or overproduce.

4. Futures Contracts.

Futures contracts are about making money by betting on the volatility of the market. It is just like forex, but best left to professionals.

Now that you know how to invest in gold, don't wait. Request for free gold kit below and you are your way to investing in gold.

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THE NEXT FINANCIAL CRISIS

 No matter how strong or weak the economy may be at the moment, there are always speculations that there would be another financial crisis. What scares most speculators and economists is that the next financial crisis will be worse than the last one. If world political and economic issues are anything to go by, then the speculators may be correct. Below are strong points why the speculators may be right.

1. Global unemployment.

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Statistics showed that before the last economic meltdown, unemployment rate in the U.S alone was 4.4%. Right now, it has risen to 4.7% and the rate of employment has decreased than the previous five years. This means that more people would be jobless in the next financial crisis than the last one.

2. Volatility of the markets.

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The already weak markets are being made weaker by the issue of the Brexit as more european countries are also planning on leaving the European Union. Also, a Donald Trump in the white house means nobody knows what the guy can do or not do with his constitutional powers. The future seems bleak and these are already affecting world markets.

3. Failing businesses.

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More business are failing today than ever before. In the U.S, existing businesses are failing faster than new ones for the first time in about thirty years. Small and medium scale businesses are becoming extinct, and even bigger corporations are not left out. These days, even Amazon and Microsoft are cutting costs.

4. Banks are no more safe to put money in.

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Statistics shows that banks are more unstable today than the last financial crisis. Many bank stocks have hit rock bottom and today, only five U.S banks are among the list of the top fifty banks in the world. If the U.S is seen as the economic fulcrum of the world, then this is not good news.

5. Governments are tampering with workers' money.

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In recent years, several governments have been using corporate accounts to bail themselves out of budget deficits and huge debts. Retirement accounts have become more unsafe in the last few years. When the next financial crisis comes, we wonder what will happen to pension, insurance and private funds.

6. The decline of peace.

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The unprecedented rise of terrorism and islamophobia all over the world is wrecking more economic havoc than ever. The violence that has spread all over the world has already displaced over 60 million people, according to the United Nations. With that large number of displaced people, the next economic meltdown would be catastrophic.

The next financial crisis is the reason why you have to secure your future properly. If you have enjoyed this post, please share. Thanks.

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WHO IS SERVING THE TRUE GOD?

Since it started, religion has become a potent force that everybody, excluding atheists have come to agree with. The thousands of religions scattered over the face of the earth makes one wonder who is serving the true God.

Religion has become a phenomena that unites the world in the short run, but divides it in the long run. But the question remains of who is serving the true God. Answers can only be sought if it can be established that men are indeed serving God. If men are serving God, how then can it be determined whether it is the true God.

The entity of God is the simplest but most mysterious of any of all understandings. Nobody seems to know when or how everybody began to spread the rumour, or the truth of the existence of a God. Is there a God,? or man had just been manipulated to believe that there is God, and that everyone should acknowledge and serve him.

Since it can't be substantially proved that there is a God, since nobody have seen him, the following arguments would be based on the assumption that there is a God.

Religion developed as a system whereby men tried and are trying to reach God. Men don't see God, but still and will continue to believe he exists. Religion is used as the medium or as the way to reach the creator. Some people believe that God and gods exist. While the God is assumed to be the supreme being, the gods are assumed to be intermediaries between them and the God. Many others believe that there are different gods having the same status, and they can worship anyone of them.

Others believe that God is the only one that exists and there are no gods who serve as intermediaries. They believe God can be worshipped directly. In all these, there seem not to be a general agreement that all the religions are serving the same God or god. Even though there will never come a time when the about 7 billion people on earth will come together under the umbrella of one religion, religion has still succeeded in unifying the world in her diversity.

If the God or god is an entity that can only be served in one way, then woe would be to mankind who don't know that only way. Man can only be safe, if the God or god can be reached by many means or ways. If God or god can be reached by only one way, it then means that only one or no religion is serving the true God or god.

This is because if the religions are serving the same God or god, then they will serve him in the same way. If God or god cannot be served the same way, it then means every religion is serving a different God or god. On the other hand, if God or god can be served in different ways, then all the religions are serving the same God or god, but in different ways. If you have enjoyed this post, please share. Thanks.

THE FAILURE OF THE WORLD SYSTEMS

 

Many times, I pause to think about the world systems and their failures. I think about all the agencies, governments and machineries that had been put in place, just with the sole aim of making the world work. Whether we are individuals or part of government machineries, we all would come to the bitter conclusion of the failure of the world systems.


If past and present happenings are anything to go by, then the world should understand clearly that we are living in perilious times. No lasting solution seems to have evolved from any of the world systems. The world is now in her highest point of conflicts, terrorism and economic distabilities. From the most organized terrorist organisations to the radical trade unions of each nation all contribute in giving life it's present shape.

The murky and unstable diplomacy by governments and organizations is also a very big factor contributing to the failure of the world system. There are high levels of unemployment everywhere, when before, it used to be the mark of underdeveloped and developing economies.

When the wrong handling of diplomacy led to the outbreak of world war I(1914-1917) a century ago with millions dying, several world governments came to put in place a system that would resolve conflicts, and prevent future war. The failure of this world system, under the League of Nations led again to the outbreak of world war II(1939-1945).

Today, the United Nations(UN) is the biggest world system put in place to bring sanity to a rabid world. Alas!!, it seems the world is getting hotter and more unbearable under their watch. If the major duties of the world systems are peace, cohesiveness and tolerance to be entrenched and working, they it should be known that failure of the world system is as glaring as the midday sun.

Even though the African Union(AU) is the biggest system in Africa, Africa is still one big heap of violence, extreme poverty, bloodshed and many failed states like Libya. The North Atlantic Treaty Organisation(NATO) is in the middle east, but there has never been peace there for a day. Terrorists are having a field day, rebels are fighting governments, and China is still fighting over Hongkong and Macau.

Many people are displaced all over the world on a daily basis, and the world systems seem to have their hands full, and can't do anything about these things. This is the failure of the world system and we all hope they don't eventually annihilate us from the face of the earth.

THE CAUSES AND EFFECTS OF LIFE

Jean Paul Satre and his existentialist theory, which was world famous in the 1940's believed, that life is meaningless and each person is alone and responsible for their own actions which make their character. Based on part of this theory, I present to you the causes and effects of life.

If life is believed to be totally meaningless, and there are no external forces that controls the affairs of men, can we then assume that man is a victim or a victor of his actions? Causes and effects are like inputs and output. The output is always a function of the input.

If man will determine the kind of life he will live, and there is no God, Satan or the spirits to influence the affairs of man, then it can be assumed that God is non-existent, and the world came to be on it's own. If there is a God that created the universe, we can assume that it's entity would want to influence, or would influence the world he created, and the affairs of man. No creator wouldn't want to do that.

Now, if the world just began by itself, and men are living and dying, will there be an end to the cycles and vanities of life? Or will the world continue into endless infinity, making true of it being without any meaning? Can we also assume that the world indeed has a creator who has decided to leave the affairs of man to man?

The causes and effects of life is that, if a man is rich, it is because of his decisions, which ultimately leads to his actions. And if a man is poor, it is still based on his decisions which leads to actions. The causes and effects of life means that if a man suddenly has stroke, it will be a result of the lifestyle he had lived. If someone has malaria, it will be because he allowed mosquito to bit him.

Causes and effects would be realistic all the times if we assume that the supernatural and spiritual are not real, making religion a useless venture. If we assume that there are external spiritual forces controlling or overseeing the affairs of man, then the causes and effects of life would be true more of the times, making religion a necessity.

Man may not find a way of explaining away what the supernatural really is, but many men will not deny the supernatural. If man then is assumed to be alone in a lonely world, where then does the supernatural come from? If we assume that the supernatural is unreal, then we should be able to explain what is making it unreal. And if we assume that the supernatural is real, then we should also be able to explain what is making it real.

We can then assume that the causes may not determine all the effects, and the effects may not determine all the causes. If you have enjoyed this post, please share. Thanks.

FOOD SHORTAGE : A CRITICAL VIEW

World food shortages is rising every year and poverty and diseases are ravaging mankind like never before. Poor countries seem to be getting poorer and rich countries seem not to be showing signs of trouble, even if they are in trouble.

Away from that is the issue of food shortage and abundance. Food shortages are generally presumed to be caused by conflicts, war, terrorism, natural disasters and others. Food abundance is generally believed to be a function of a peace, low inflation, food preservation and storage. But in a situation of stability, food shortage is usually still a mark of poor countries.

While a country like Nigeria has about 70% of her citizens as  agriculturers, a country like the U.S only has about 5% of it's citizens in the agricultural sector. The question is, what makes the difference in the two countries, that makes food abundant in one and short in the other.

A lot of times, bad storage facilities and mentality has been seen as the biggest challenge in countries far from food abundance. The argument is that, if food can be stored in abundance, then it will still be available when it is supposed to be scarce. If poor storage is said to be the biggest issue in food shortage, nobody seems to be talking about food preservation.

Places that have food in abundance always have it all throughout the year, even though they import most of those foods. Places that have food shortages would have scarcity of some foods even though they are the ones producing them. The argument now is what makes the difference.

If food can't be preserved, then there is no point trying to store them. A country without stable power supply would always have the problem of preservation which would eventually affect storage. Developed countries have power all year round, which makes presevation very easy. It is really hard to imagine that developed countries have food banks where they store their foods.

Adequate power supply, combined with the necessary technology will go a long way in solving the issue of food shortages. If you have enjoyed this post, please share. Thanks.

GUIDELINES FOR MAXIMUM SEO

To deal effectively with google and other search engines out there, these are some important things to do for maximum SEO, or search engine optimization.

1. Provide good content for your website or blog.

There is almost no substitute for a well researched content that will increase the search engine optimization of your page, blog, or website. For good and professional content, you don't have to be the best writer on earth, and you could pay people to do that for you. The web is full of individuals and sites that can write good and professional looking content for your website.

2. Avoid hidden links and texts.

Hidden links and texts may not be visible to the users of your site, but only to the search engines. The disadvantage though is that instead of reducing the ranking of your page for maximum SEO, it would actually decrease it. Search engines would eventually discover the trick as fraudulent.

3. Website map.

A site map is necessary to help users navigate a website very easily. If there are too many categories or links, it is advisable to divide them into different pages to avoid the frustration that comes from a clumsy site. Website maps should be precise and lead to current and well researched content.

4. Avoid cloaking.

Cloaking is done by some webmasters to manipulate search engines for better rankings. This is a scam as it covers the real pages and mislead users about the real content they will find on the site when they click on search results. Search engines, especially Google doesn't approve such, and could actually place a ban on the website, thereby affecting the site's search engine optimization.

5. Avoid images with hidden texts.

When explaining links, names and keywords that are important, images which have text hidden in them should not be used. The simple reason being that Google and most search engines would not acknowledge them. It is preferable to stick to text that is plain that Google would recognise easily.

6. Put your important information at the top.

When there are a lot of categories, links and directories on your website, put the more important ones at the top and not at the bottom. Due to the way Google's crawlers are built to perform their functions, they may presume that the more closer to the top the information is, then the more important it is. So, for maximum search engine optimization, place your important keywords higher up the content or article.

7. Don't send queries to Google.

Never send any query or queries to Google, especially if those queries are on autopilot. Google would discover this and this would impact negatively on the ranking of your website.

In general conclusions, don't cheat site users by giving them content that are not what they searched for. It is also bad to use fraudulent links network to increase the ranking of your website or blog for better search engine optimization. Long pages which are professional in appearance and contain rich information should be prefered above short pages with contents that are not relevant to the search queries.

With these Google guidelines for maximum seach engine optimization for your website or blog, your traffic is bound to increase. This would in turn increase the cash you can make on your blog or website. If you have enjoyed this post, please share. Thanks