Create Personal Wealth Beyond Your Small Business, Part 4
Posted on May 22, 2008 - Filed Under Finance | Leave a Comment
If you combine a fully amortizing loan with flexible pre-payment terms, sophisticated money management software, and a low-cost line of credit, you can be commercial loan debt free in a very short time, saving you literally hundreds of thousands to millions of dollars in interest expense.
Amortization: Your Enemy; the Banker’s Friend
I have to digress a bit to property cover the next aspect of Small Business Wealth Creation. I want to show you the detrimental effects of loan amortization, how lenders benefit from it, and give you a strategy to “turn the tables? on your lender.
Read More..>>School Gardening ? How Horticultural Work Can Bolster A Young Person?s Self-Esteem
Posted on April 7, 2008 - Filed Under Gardening | Leave a Comment
Many social ills among young people can be traced to the unrelenting power of peer-group pressure and low self esteem. Can gardening projects in schools go some way in resisting these twin evils?
You do not have to be a child psychologist to recognize the link between self-esteem and achievement. While not every one can be an Albert Einstein or a Tiger Woods, every child, the severely challenged excepted unfortunately, can attain reasonable standards of proficiency in virtually all subjects and activities. There are basically two things holding back the vast army of under-achievers. One is peer group pressure and the other is a lack of self-belief. The two obviously feed off each other, because the emotional independence that stems from a healthy sense of self worth, is the only real weapon that can resist the tyrannical pressure to conform.
Read More..>>
