How to Make Money With Alternative Investments

Anyone who has managed to set a little money aside over the past few years of economic turbulence, and perhaps invest in in some regular saving or mutual funds on the stock market, should give themselves a pat on the back. After all, times have been tough financially, and just managing to break even without having to rely on credit is, in itself, an achievement.

Deciding how and where to invest, then, is an important consideration. After all, having worked so hard to have something to put by, you need it to work equally hard to grow into something even better for your and your family’s future. It is with this objective in mind that the notion of alternative investments has become such a popular one over recent years.

What are alternative investments

We all know a little about stocks, shares, pension funds, futures and the like, even if it is only by name. These are termed conventional or traditional investments, and they typically behave in step with the broader economy. In other words, when the economy is in good shape, they perform well and generate good returns, while in times of difficulty, their yields drop off. This latter scenario is what has been seen over recent years. Low interest rates and a sluggish economy have meant minimal returns from those traditional sources.

Alternative investments are ones that are not directly correlated to the broader economy, and they can therefore be an important hedging tool to protect your money from exposure to market factors. Let’s take a look at two of the most popular ones.

Precious metal

You might think “alternative” sounds modern and innovative, but that doesn’t have to be the case. Individuals, companies and even governments have been investing in gold, silver and other precious metals since money was first invented. Today, anyone can do the same thing. Companies like Golden Eagle Coins can provide anything from a few dollar’s worth of commemorative silver dollars to bars of gold bullion that would be enough to satisfy any Bond villain.

Precious metal is one of the safest investments going, and as long as you are prepared to sit on it for a while, it will always generate a solid return in the long term. However, it is not just safe in that respect – you can’t help feeling secure when you own gold, as whatever happens in the world, even if the stock markets crumble and the banks fold, it will still be there in your possession.

Real Estate

Our parents always told us that there’s nothing safer than bricks and mortar. Recent years have proved them right, and the property market is the one sector that has remained healthy through the darkest of times.

Of course, buying property demands significant investment, beside which, not all of us have the time or inclination to become private landlords. If this applies to you, you can still take advantage of the property market by sinking some of your money into a Real Estate Investment Trust (REIT)– this provides all the gain of a booming market with complete flexibility. And you can buy and sell whenever you want to, so funds are not tied up for years on end.

May 22, 2018 at 11:53 AM Leave a comment

Online Marketing Ideas for Cleaning Companies

In the competitive business world of today, gaining large market share is not easy unless you’re aggressive enough. If you have a cleaning company, you must expect to deal with competitions. That’s why it is best to have online marketing ideas for cleaning companies to get your name out there.


In order to achieve this, you need to build a relationship with your customers by offering them solutions to what they need. You can make them aware of what you have to offer to them by marketing your company online.

But Why Go Online?

There’s no doubt the easy access of the internet and its continuous development has changed the way people run their businesses. The barriers that used to exist such as physical distances and complicated product comparisons have now stopped being an issue. However, in order to fully take advantage of this power, proper planning and strategies should be implemented.


When done right, online marketing for cleaning companies offers you a competitive business leverage that you can customize for your needs. A lot of small to medium-size companies focus on digital marketing in order to save time and money, while increasing sales and customer base.

So, how can you do this effectively? Below are some effective methods to succeed in marketing your business online.

·         Build a Business Website 


A website for your business will help you reach customers easier. With the help of a website, you are able to connect with customers no matter where they are especially that anyone has mobile devices now.

A website is also a great chance to showcase why you are better than your competition. You can even upload video or article tutorials such ashow to clean floors, ceilings, bathroom, and the like.

And most importantly, you could also list your contact details like physical address phone number, and email address. You’ll be surprised at the number of prospective customers you are able to get connected to with the help of your website.

·         Create Social Media Pages


Marketing through social media is an effective way to get connected with your current customers and potential customers alike, and this is the most commonly used marketing method today by businesses.

If you are not taking advantage of the free advertisement offered by social media websites to connect with your prospects, then you are absolutely missing out! Smart marketing on social media is able to bring an extraordinary result to your business, which creates dedicated brand supporters and even resulting in more leads and sales. 

Some of the effective social media accounts you may want to make include:

Facebook– As the most used social media site today, it is not surprising that creating a Facebook page is the most common way to make a presence online. 

Facebook is a surefire way to advertise your business. Although Facebook for business can be a bit tricky due to its algorithms and rules, it still guaranteed to help you reach people when done correctly.

Facebook knows so many things about its users, and it uses all the information to the advantage of business pages that are running their ads. This information includes age, location, and interests.

Instagram– With most users being active, it’s not surprising how Instagram is another great platform to promote a business. This photo and video sharing app have rapidly taken the world of business by storm.

Instagram is an amazing help for improving brand awareness and product introduction. About 70% of Instagram users have spent their time searching for a brand or service they need. Instagram lets you promote your business and service in an authentic way without having to push your service to them.

Twitter– When it comes to Twitter, knowing the right keyword is the key. You can find tweets that mention keywords relevant to your market.

For example, if someone tweets a post mentioning “apartment cleaning in Stamford,” and you happen to be a company based in the area, then you can tweet them back offering your service.

Excellent online marketing ideas for cleaning companies can help your business grow rapidly.

Oppositely, bad marketing strategies for cleaning companies can lead to the demise of the business right away. This is why an excellent marketing plan is important. You have to keep in mind, however, that it is not just about planning; knowing how to perform them is just as important.

This means you must have a great game plan and do your best to make it work. Good thing, however, is that when you finally have excellent marketing plans to promote your business, implementing them should not be so difficult anymore.

May 19, 2018 at 9:34 AM Leave a comment

What You Need to Know About Maryland Personal Injury Law

Maryland’s laws for personal injury claims are vast and complex, and it is difficult for the average person to navigate through the mountains of case law, reform, and arcane, legal terminology when parsing through a case.

Personal injury is defined as harm or ‘injury to a person’s mind, body, or emotions, inflicted by another’s wrongdoing.’  If someone injured you on purpose or through neglect, and you required medical attention, you may want consider filing a lawsuit against the culpable party.

First, contact a personal injury attorney. Most law firms will give you a free consultation, so you can explore your options and avenues of recourse. An experienced and qualified attorney will know how to handle your case and get you the justice you deserve.

There are several basic personal injury law terms you will want to familiarize yourself with so the process isn’t so confusing.

Personal Injury Terminology:

  • Deadline
  • At-Fault, Shared-Fault
  • Strict Liability
  • Assumption of Risks
  • Caps – Economic and Non-Economic


Maryland has a deadlineto protect all parties from faulty personal injury claims. To file a claim, Maryland law allows a three-year limitation from the date your accident transpired.

It is not recommended that you wait this long to file. Information can get lost the longer the time passes, and you may forget important information as the years go by. Consulting your Maryland personal injury lawyer,to discover if you have a case and filing as soon as possible is the best course of action so you don’t lose important documents or forget any facts.

At-Fault, Shared-Fault

Some states are an at-fault jurisdiction and others are a no-fault jurisdiction. Maryland is an at-fault state, and also a shared-fault state.

No-fault limits from where and when an injured party can file for compensation. In a no-fault state, for example, drivers injured in automobile accidents must file their claim within a set number of years, and the injured driver’s own insurance company is from where they will first receive compensation.

At-fault means the court will find a responsible party for the injury.

Shared-fault is when the party files a claim, but the court can also find the injured party is partially responsible for their injury.

Because Maryland is both an at-fault, and shared-fault jurisdiction, you can file a lawsuit against the party responsible, but you can also be found partially responsible, which will be factored in to your awarded compensation. If the injured party is found to be a shared-fault party, little or no compensation will be awarded.

Strict Liability

Maryland is also home to strict liabilitylaws.

Strict liability means an at-fault party does not have to exhibit negligence to be found responsible.

Negligence is defined as a failure to responsibly avoid harm, resulting in injury to a person or damage to property. In a personal injury case, it would be harm – physical or emotional – to a single individual or to a group.

For example, unknowingly on your part, your dog escaped your fenced-in backyard and bit a child playing outside down the street.

Under Maryland law, you are held responsible for the child’s personal injury, even if you were unaware your dog was on the loose. If the child’s parents wish to sue for a personal injury lawsuit, you will be found at fault under strict liability.

Assumption Of Risk

Under Maryland law, assumption of risk is when a person is aware of the possible dangers and risk before engaging in an activity.

An example of assumption of risk is if your neighbor has a large trampoline in their backyard, but has no protective netting surrounding the trampoline’s top.

Immediately, you should instinctively know the risks and possible injuries that could transpire to anyone jumping on the unsafe, unnetted trampoline.

Hypothetically, your neighbor invites you over to jump on the trampoline, and you willing accept. If you fall off trampoline and are injured, this would fall under assumption of risk, because you knew the possible dangers and injuries you could receive by jumping on a trampoline that is missing a safety net.

Cap – Economic and Non-Economic

Maryland places a cap on the compensation awarded in some cases. The most common area they place a cap on is a non-economic claim, but occasionally, economic claims are capped.

Economic claims are hard damages. These are quantifiable. An example of economic claims and damages would be missed wages, damage to a vehicle, and medical bills. Economic damages are usually immediately suffered by the injured party and are not on-going.

Non-Economic damages are non-quantifiable, harder to determine, and can continue indefinitely. An example of non-economic damages would be anxiety related to the injury, possible PTSD or other mental health issues that may or may not resolve in time.

Maryland will place a cap for compensations awarded, in any form, if they foresee damages to be ongoing or excessive. Caps are typically placed on non-economic damages.

Maryland personal injury law is comprised of complex terminology, and case law. It is not in the best interest of the injured party to pursue their case without adequate legal representation. If you’ve been injured by a negligent party, contact an experienced Maryland personal injury lawyer today.

May 18, 2018 at 1:11 PM Leave a comment

Money is More Than Simply Having It

Some people have plenty of it. Some people have just enough of it. Some people barely have any of it at all. Others only owe it. The amount of money that you have or owe is a statistic that will dictate what you are able to do today. It is also a predictor of what you will be able to do tomorrow, next week, or next year. The following is a summation of the power of money and the benefits that it can add to your life.

Money is Freedom

If your bank account never reaches four digits, your credit is poor, and an easy installment loan online is your only option for when cash is needed fast, it’s unlikely you’ll be moving into your own house anytime soon. How could you? On the other end of the spectrum, though, if your bank account is booming and creditors are craving your business, you have choices. You have the freedom to move anywhere you want on any day you feel like it.

Similarly, if you are stuck living paycheck to paycheck in a job that you hate, you have almost no other choice but to continue showing up day after day while waving farewell to any dreams that you might have once had. But people who have plenty of wealth can change occupations without stressing over how they will afford their next meal. And they can move into a new residence in any location without having to beg friends and family members for a loan.

Money is Opportunity

If you do not have any free funds, the only trips you can afford to take are those that are within walking distance. Without money, you can forget about ever seeing other countries or taking a cruise to an exotic island. When your income barely covers your monthly bills, you better get used to the fact that the closest you will ever be to taking a vacation is hanging out a friend’s house.

Speaking of friends, forces in the world tend to lump people with similar incomes in the same circle of friends. You do not typically see millionaires hanging out in less affluent areas and towns. It can be extremely difficult for relationships to grow between those who have and those who do not. As a result, rich people often look for other rich people when sharing in new ventures and business opportunities.

Money is Security

Not only does money put food on the table today, it ensures that food will be available in the future. When you have enough money to know that you can pay your bills for years to come if you were to lose your job today, you no longer have to deal with the everyday stresses that poor people are constantly fighting to free themselves from.

Even though money provides freedom, opportunity, and a sense of security, it will provide nothing in the future without being managed properly. In other words, the best way to keep your money is by managing money. Create a habit of spending money as if you had much less of it. The same goes for earning money. If you can trick yourself into believing that your bank account is nearly empty when it is actually overflowing, you should have no problem convincing yourself to work harder to constantly earn more. Then you can be certain that you will reap the benefits of money for years to come.

May 16, 2018 at 11:58 PM Leave a comment

Marketing Ideas for Plumbers

More and more home plumbing firms are starting to see the importance of using effective marketing ideas for plumbing in order to get ahead of their competition and spread awareness of services in their demographics.


All plumbing service providers need to know exactly where their would-be clients are. Obviously, prospective customers are just around the corner, but they spend a lot of time online or in television. So, the different ways plumbing companies can advertise themselves can’t be overstated. 

If you’re running a plumbing business, you must use the most effective marketing ideas and strategies. This is to reach your prospective customers and persuade them not just to use your service, but as well as to recommend your business to other people they know. But then again, this will require knowledge, time, and effort. 

Know Where Your Prospective Clients Are


Most people today have a Facebook, Instagram, Twitter, and other social media account. Furthermore, the majority of adults have mobile devices. In addition to all these, more than 85% of people use the internet on a daily basis. So, there is no doubt that the internet is one of the best places to reach your potential clients – May it be social networks, forums, blogs, or even landing pages.

Additionally, most of your prospective clients may have busy lifestyles – with their jobs, kids and a lot of other activities. You may find them driving their cars to work every day. You could also see them at public establishments and other places. 

Find them. From there, you can easily brainstorm how you can send your message from their locations.

Marketing Tips

Now that you’re aware where you might find your prospective clients, it’s time to find ways to approach them. Below are three effective marketing ideas to generate more clients today. 

1. Take Advantage of the Marketing Potentials of your Vehicles


Billboards attached on the side of vehicles are becoming more and more popular all over the world today. However, a lot of plumbing companies are not aware of how they can use their vehicles, especially the bigger ones like trucks and trailers to market their brand.

In order to make this effective, here are the important principles for you to follow.

– Use a creative, catchy tagline or title

– Use eye-catching images that are captivated enough to turn heads

– Highlight the messages you want to deliver

– Add a call to action – include your website and contact numbers that are easy to read     

2. Introduce your Service to Your Local Neighborhood


Another smart marketing method you can use is to find homeowners in your local neighborhood who might be in need of the services you offer. If you’ve got a new client in the neighborhood, finding new opportunities and possibilities would be easier. After all, the word of mouth is the best method of marketing. Drive around with your mobile sign, give away flyers, and offer special discounts to your potential clients.

Produce, print, and distribute colorful postcards to your prospective clients living in your neighborhood. Let them know that you offer high-quality services at reasonable prices and highlight how they can benefit from what you offer and not only what you can offer.

3. Use the Power of Social Media

You just cannot ignore the benefits businesses can gain from the internet. Today, almost everyone has an access to the internet, that’s why it’s not surprising how every business seems to put their presence online.

People tend to search everything they need online. If people cannot find you online, then your business does not exist to them. You may want to create a Facebook page and Instagram account for your business, regularly remind them of your services, may it be leaky bathtub faucet repair, drain cleaning, hydro jetting, or others.

Learning SEO or Search Engine Optimization is also another way to make a presence online. People search what they need on search engines like Google. Knowing how to write content that would easily show up on search engines would be very helpful.

Your success in plumbing business greatly depends on the marketing ideas for plumbers you will execute. No matter how skillful and good you are in the service you offer, you can only reap from it if you are earning clients through good marketing. You need to find ways how they can reach you.

You have to keep in mind that successful marketing ideas for plumbers don’t always require a lot of money to make it effective. Instead, plan it carefully and make sure that you are delivering your messages clearly. The secret to a successful marketing is by thinking like a customer looking for a service you need.

If you are looking for a reliable plumbing service, Sayan Plumbing of Bergen County is your one-stop shop for any plumbing services you might need. With years of experience in the plumbing industry, they offer an extensive range of solutions for homeowners looking to have their services.

May 15, 2018 at 8:00 AM Leave a comment

Becoming a Millionaire

I am obsessed with ESI’s Millionaire Interviews. Nineteen years ago I was a recent graduate who could barely afford to pay for food and rent. Now I could answer all of those ESI questions myself. What does it take to become a millionaire? How do thoughts and actions result in piles of money for some people and nothing but debt for others? I’ve been absent from this blog for a very long time, but I suddenly feel the need to tell my story.

May 8, 2018 at 2:07 PM Leave a comment

Get 300 bonus SB when you sign up for Swagbucks in May

All throughout May you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before June 1st, 2018. You’ll get a 300 SB bonus for it!

3. That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned over 54,000 points!

May 8, 2018 at 11:05 AM Leave a comment

What I Truly Wanted

I cannot get this quote out of my head… From the Mortified Podcast –

“The question was once posed to me how I would wish to be remembered… Recently I discovered what it is I truly wanted. I just want to be missed. The how or why of it wouldn’t really matter as long as I held the knowledge that someone somewhere really and truly missed me for who I am.”

May 5, 2018 at 9:27 PM Leave a comment

How To Drastically Reduce Your Medical Bills After A Car Accident

Medical bills are among the largest causes of debt. In fact,one in five insured Americans has reported having trouble making medical bill payments. If you sustain injuries in a car accident, you may end up with astronomical medical bills that can have devastating financial consequences on your life, especially if your injuries have rendered you unable to return to work. However, it is possible to save money on your medical bills and drastically reduce the amount that you have to pay.

If you live in a “no fault” state, your automobile insurance provider will be required to pay some, or all of your medical bills. Your health insurance will likely pick up a portion of the bills as well. However, if you live in a state that isn’t a “no fault” state, then you’ll probably carry more of the financial burden. An attorney can help you earn the compensation you deserve for your injuries, but if you decide not to hire an attorney, there are things you can still do to reduce the financial burden.

Compare Prices

Comparing prices is far more viable for minor injuries. When you’ve suffered serious injuries in an accident, prompt medical care will likely be required and you won’t have the time to shop around. Many people don’t consider shopping around for better prices when it comes to medical care, but you may find a wide variation in the amount that you pay for medications or medical treatments from one provider to another.

Compare prices of pharmacies, chiropractors, physical therapists and any other ongoing treatment you may need because of your accident. You may be surprised at how much you can save just by knowing all your options.

Review Your Medical Bills

Taking the time to review all the information on your medical bills may save you money. If you ask for an itemized bill and review all the services and procedures listed, you may find that you are being billed for things that were never done or medications that weren’t dispensed. Items on a bill may be inadvertently duplicated or billed at a higher amount than agreed to. Make sure the billing is accurate and dispute any items that you believe are incorrect.

Negotiate Your Medical Bills

If you are being billed thousands of dollars that you know you are not going to be able to pay, you may be able to negotiate with hospitals or doctors to accept a lower amount if you’re willing to pay a percentage of the balance owed immediately. This is not an option that many people think about, but insurance companies negotiate lower rates for services all the time, and individuals have the right to do the same. You may be able to pay half the total amount due or less by taking this approach.

Request a Payment Plan

Medical providers are often open to accepting monthly payments from people without charging any kind of finance charge. Having a payment plan makes facing a pile of medical bills a lot easier than thinking about trying to pay off large balances all at once.

Accidents are both physically and financially draining. However, you can reduce the financial stress by taking charge of your expenses to help prevent them from getting out of hand. You can significantly reduce the amount of your medical bills by following these tips.

About the author: Travis Patterson is a car accident lawyer based out of Fort Worth, Texas. Travis dedicates his time and effort to ensuring those who have been injured receive the access to justice they deserve.

May 3, 2018 at 12:50 PM Leave a comment

Get Your Home Sold in No Time with These Big and Little Investments

Selling a property is often a lot more work than homeowners realize. When you’re ready to move into a new property, one might assume that getting rid of the old one is just as easy as posting a for sale ad and waiting for the offers to come in. It isn’t until their house has been sitting on the market for several months that they realize it could take a bit more effort. If you’re going to get your home sold faster and for the highest amount possible, you’ll need a little creativity and a bit of cash to invest. Here are some big and small changes you can make to get the offer you want for your house.

Big Investments

If your budget allows, there are some significant investments you can make throughout your home that can make a huge difference to buyers. As buyers are looking to move into a home with few issues and aesthetic appeal, you might consider some of the following:

Kitchen Remodel – The kitchen, for many families, is one of the most commonly used rooms in the home. This is where meals will be made and conversations will be had. To draw the buyer’s attention, it is recommended that you consider upgrading your kitchen. You can work with service providers like GKandB who specialize in kitchen remodel San Mateo areas and in many other locations across California. They can do full renovations which can include expanding the area, installing cabinets and countertops, and installing new kitchen floors, or they can do minor renovations like adding backsplash, painting, replacing the countertops, etc.

Replacing the Siding – If your home lacks curb appeal and its exterior seems to be hanging on for dear life, you may want to do something about that. If buyers are driving past your house and they don’t like what they see outside, the definitely won’t be encouraged to take a look inside. Replacing the siding can be a huge investment that pays off in the end.

Deck Addition – Do you have a large outdoor space that’s a blank canvas? Give home buyers something to look forward to by creating an extension of the home outside. A deck or patio can be just the addition they need to imagine themselves entertaining and enjoying the yard in the spring and summer time.

Little Investments

If you’re selling your old home and moving into a new one, chances are you’re strapped for cash right now. Don’t fret as there are still ways you can sell your home fast and for top dollar. These tasks listed below may seem minor, but can make all the difference in whether a buyer is willing to make an offer:

Paint – A fresh coat of paint can go a long way to selling a property. If the paint throughout your house is chipping, appears dingy, or is just too bold for the average person, you can repaint. Applying a neutral color is great for buyers who can easily make it work with their personal style and decor.

Lawn Care – Remember, when selling your house curb appeal is everything. You don’t want someone to see a photo of your house and it looks unkempt outside. Basic lawn care like cutting the grass, pulling weeds, trimming trees and shrubs, and perhaps planting a few flowers can really bring out the look and feel of your home and attract more buyers.

Knobs, Handles, and Fixtures – There’s something about the feeling of a new space that seems to interest most hopeful homeowners. If you can’t afford to replace doors and cabinets throughout your house, it may be worth it to invest in new knobs, handles, and fixtures. Installing a new faucet and placing new knobs in the bathroom, for instance, can make the entire space feel new.

If you want to sell your house fast for top dollar, you have to start thinking like the buyer. You want to create a space that is move-in ready and feels like home to the average person. Start by reviewing your budget to see what you can afford and then make a decision on which big and little projects you’d like to invest in. You’ll be surprised at the many offers you get and how quickly you get your asking price – or more.

April 24, 2018 at 7:36 AM Leave a comment

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