The Money Value of Time

I've visited with a number of business owners over the last several months and I've noticed a pattern.  As the economic climate becomes more and more difficult it has become harder for them to step back and really analyze where they are taking their business or organization or even their personal life.  You've heard the phrase 'can't see the forest for the trees' well, as the trees become more dense it becomes even more difficult to see the entire forest as a whole.  I'd like to encourage you to take a few minutes to step back and do that very thing - see the big picture.
If you've taken any kind of money management course in your life whether personal or business related you were taught the time value of money.  Save early and often, put the money in an interest bearing account that can then compound that interest and it will grow exponentially over time - in fact there's even a rule of 7's - make 10% interest and your money doubles every 7 years (or 7% interest and it doubles every 10 yrs).  The converse is also true - spend more than you have and the interest you pay compounds to soon put you into a hole you can't crawl out of.
I'd like to propose there is also a principal called 'the money value of time' in that as you delay action on certain opportunities in life the monetary value of those opportunities decreases.  I'm just past mid-life and as I've evaluated my life over the last couple years I can see patterns in the way I've approached various decisions and their outcomes.  The decisions I've made quickly and without fear have ultimately rewarded me with either great learning experiences or financial rewards.  The decisions I've fretted about due to fear of failure or procrastination I now look back and see others taking advantage of an opportunity that I missed.
I've enjoyed a modocum of success in my life but I also rub shoulders with people who've been incredibly successful in a reletively short period of time - there is a pattern to the different ways those very successful people make decisions vs. the way the average person does.  There is a tendency in my personality (and many type A personalities) in that we tend to be perfectionists or think we are the only one who can do a certain procedure correctly / have the only right answer.  We tend to not want to ask for help or advice or think that we can learn from our competitor and their processes and procedures.  This causes us to spend too much time on a task or process before putting it into place when we would learn more from perfecting an existing procedure or just putting a plan into place and learning and perfecting as we go.
As I look at several ultra successful people I know there is a common theme - they make bold decisions and make them quickly - they are not afraid to ask for help either from paid experts or from their competitors.  Maybe you have a rift with someone or don't necessarily get along with a competitor but if you can mend fences for a bit and swallow your pride you may gather some information that will save you weeks and months of trial and error.  Don't allow decisions to linger and weigh over you for days and weeks at a time as it will cloud and distort everything in your life.  It's like dealing with a bad employee - fire quickly as a bad apple will ruin the attitude and productivity of an entire department or organization.
I read a blog post this week about making the '90 second decision'.  Take no longer than 90 seconds to make the small decisions in your life and this will trickle up to the larger decisions you make.  If you've ever been with a group of people going out to eat and someone asks where to go, then the group spends the next 45 minutes trying to decide you know how valuable this can be.  Trust your instincts and make your decisions quickly - if it's wrong you can fix it - you can never get back the time you've wasted with indecision.
The other thing very successful people do is to delegate freely.  Even though there may be a task you enjoy or may be able to do better, anything you can pass off to automation or an assistant will free you up to make big picture decisions that ultimately will make you more successful.
There are computer programs that can automate almost any task that you do on your computer.  Whether it's gathering information and compiling into a word processor document for presentation or logging onto a web site and compiling the latest financial information for a presentation almost any repetitive task can be automated.
If you can't automate it pass it off to an assistant - if you don't have one there are numerous ways to subcontract work to virtual assistants both here and overseas
By Dean L Martin

Increase Your Odds With Double Or Nothing Poker

Everyone who enjoys card games, especially when there are stakes are involved will enjoy the growing in popularity double or nothing poker. This is becoming the new craze. The fundamentals of player are the same, but the winning version has a twist to it.
If you've played regular poker, to any who has ever played before most likely played double or nothing the traditional way. This is when you double your bet and hope you get a winning hand or close to one you can enhance by throwing in a couple of cards and receiving new. With a winning hand you double your money and with a losing hand you will lose what you doubled.
The new exhilaration in double or nothing poker is attributed to the new version of poker. If you join a double or nothing table in an online casino, you'll see what so many are talking about. The new way of playing poker is becoming a phenomenon and is more intense.
The difference between old double or nothing poker and the new is the winning rules. The table seats ten players before the game. Each player enters with a specified dollar amount. The first five players in the game that lose are eliminated without earning winnings.
The last 5 players in the poker game are awarded with winning status and each will double their money. This is their buy in also known as the entry fee. This helps boost the odds that you can win. This makes the game fascinating.
The odds are in your favor of winning when you play double or nothing poker in this new game. The people who win, win double, the people who lose win nothing at all. But, this is the glory of the game and what makes it even more exciting and popular than ever.
By Carl Walker

Make Money Fast and Easy - Double Your Cash Without Doubling Your Risk

If you're looking for a way to make some money fast without losing your money to a slot machine or blackjack dealer, then here's an idea.
Buy scratch and win tickets. This is no joke. 1 in 4 scratch and win tickets are a winner. If you purchase $10 worth of scratch tickets, you are most likely going to win at least once. The most common prize amounts are $5, $10, $25 and $100. However, you just might get lucky and scratch the jackpot.
The thing about scratch tickets is this: the most common prize money is almost always double the ticket's value. For example, if you buy a $1 scratch and win, the most common prize is usually $2. This is still doubling your money. If you buy a $2 scratch ticket, the most common prize is $5. If you buy a $5 scratch and win, the most common prize is $10.
Scratch and win tickets are a win-win situation, even if you lose. Many are entertaining to scratch such as Crosswords and Bingo. You get a game and you also have a chance to win.
Furthermore, unlike the slot machines or the card games in casinos, you don't feel like you are gambling your money away. You have a much better chance of winning on a scratch and win than you do with a slot machine. Furthermore, you don't have to bet $100 in order to actually make some money back, like you do with black jack and poker.
So, for a quick, fast and fun way to double your pocket change, visit your lotto store and purchase a scratch and win.

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by Lucas Collingsworth

How To Double Your Income With Your Natural Talents

How would you to double your income? You are sitting there saying: "That is a really dumb question Andrej." Well not really.
See, anybody can double their income. Hardly anybody decides to double their income. Now think about it, what do you have to do to double your income? You have to get better at what you are good at. There is no hidden secret about that. It's simple.
You have to get better at what you are good at.
Great example are actors. The skill of greatest actors in the world is not acting, but living the part. they live the part. When I am teaching my students or clients how to get started in affiliate marketing, I live the part.
What skills do you have in your arsenal? What skill will you develop to double your income? Now, first of all, you have to recognize what the target is. So, ask yourself what you earned last year, and how you can double it.
Put the double down and you can start your year right now. You don't have to wait until January first. You can stat right now. It's like a company, a fiscal year can start anytime.
You are going to double your income. Get serious about this and spend some time thinking. Write down ideas. Analyze your work and your skills. Think about how you can improve. Money can impact every aspect of your life. With more money, you will be more comfortable, and you will improve other areas of your life to.
You probably won't make more money by working harder, but you will make more money by getting better. We all can be better at what we do. We all have natural talents. The psychology experts are discovering that we are all geniuses in different areas of our lives.
Here's what I mean by that. Some people are geniuses at physical things, like using your hands, fixing stuff, building things and getting things done with your hands. Some people are emotional geniuses. They are great at connecting with people, building relationships, and persuading others. Some people are mental geniuses, who are good at understanding complex ideas, learning new things and systems. Each of us are a combination of these types of geniuses I just described.
The amount of money we earn is in direct ratio to the need of what we do, our ability to do it, and the difficulty there is in replacing us. You get really good at what you do, you will be difficult to replace, and your stock goes up.
Spend some quality time and really think about that seriously. Close your mind to anything else. Connect your skills and natural gifts to highly paid opportunities. Get real good at it and make a commitment. You will be happy you did.

by Andrej Urek

Double Glazing Explained

Installing or upgrading your double glazing can not only reduce your energy bills, but double glazing can also make your home cleaner, greener, quieter and more energy efficient, which means you are doing your bit for the environment.
The benefits of double glazing are simple; double glazing saves you money, reduces your energy bills and reduces your carbon footprint.
Save money on energy bills by replacing all the single glazed windows in your home with energy efficient glazing. This could save you around £135 per year on your energy bills.
Reduce your carbon footprint by cutting down on the energy used to heat your home because less heat is escaping through your windows. You will generate less carbon dioxide (CO2) which is what leads to global warming.
Be more comfortable in your home as energy efficient double glazing reduces heat loss through windows and means fewer draughts and cold spots.
More peace and quiet because as well as keeping the heat in, energy efficient double glazed windows can insulate your home against unwanted outside noise.
Reduce condensation because energy efficient double glazing reduces condensation build-up on the inside of windows.
The costs and savings of double glazing will be different for each home and each window, depending on the size, material and installer. But on average fitting double-glazing to your home can save around £135 a year on your heating bills, in addition to saving around 720kg of CO2 (carbon dioxide). Double glazing can help to reduce your carbon footprint.
Double-Glazing can save energy and reduce your energy bills
Over 18% of the heat your home loses is lost through the windows. Heat that is lost through this ways means that energy is wasted, and money is wasted. If less heat escapes from your home you can save energy and save money.
Energy efficient double-glazing cuts heat loss and also reduces noise and condensation problems. Installing energy efficient double-glazing could mean savings of around £135 on bills annually if whole-house single glazing is replaced with Energy Saving Recommended double glazing.
All properties lose heat through their windows. Installing energy efficient glazing is an effective way of reducing your energy bills and keeping your home warmer and quieter.
Double glazed windows use two sheets of glass with a gap between them which creates an insulating barrier, whilst triple glazed windows have three sheets of glass. Both options can deliver a high level of energy efficiency. It is not the case that you have to use triple glazing to gain the most energy efficient window.
Energy efficient windows are available in a variety of frame materials and styles. They also vary in their energy efficiency, depending on how well they stop heat from passing through the window, how much sunlight travels through the glass and how little air can leak in or out around the window.
Some window and door manufacturers helpfully use a window energy rating scheme to show the energy efficiency of their product. This is similar to the one you may have seen on appliances such as your fridge, or washing machine. A-rated windows are the most efficient. To check a window's energy efficiency before you buy, look at the energy label.
The benefits
Smaller energy bills: replacing all single glazed windows with energy efficient glazing could save you around £135 per year on your energy bills.
A smaller carbon footprint: by using less fuel, you'll generate less of the carbon dioxide (CO2) that leads to global warming.
A more comfortable home: energy efficient glazing reduces heat loss through windows and means fewer draughts and cold spots.
Peace and quiet: as well as keeping the heat in, energy efficient windows insulate your home against unwanted outside noise.
Reduced condensation: energy efficient glazing reduces condensation build-up on the inside of windows.
The costs and savings of double glazing will be different for each home and each window, depending on the size, material and installer. You could save up to £135 a year on your energy bills and up to 720kg of CO2 a year.
Replacement windows and double glazing come in a range of styles and designs and there are particular features you should look out for to increase energy efficiency.
To find the right double glazing windows for your home, ask yourself these questions:
How energy efficient are the windows?
When choosing replacement windows, you can check its energy efficiency by looking at the Energy Saving Trust Recommended logo and BFRC energy label. The Energy Saving Trust endorses any double glazing windows rated C or above. The higher the energy rating, the more energy efficient it is. Unfortunately, at the moment there is no obligation for double glazing window manufacturers to label their products, however by opting for a high rated double glazing window you know you will be buying the most efficient.
How many layers of glass do you need?
Double glazing has two layers of glass with a gap of around 16mm between them. There's also the option of triple glazing, which has three layers of glass. Both A rated double and tripled-glazed windows are available.
What type of glass is best?
The most energy efficient glass for double glazing is low emissivity (Low-E) glass. This often has an unnoticeable coating of metal oxide, normally on one of the internal panes - next to the gap. It lets sunlight and heat in but cuts the amount of heat that can get out again.
What's between the panes?
Very efficient double glazing windows might use gases like argon, xenon or krypton in the gap between the 2 sheets of glass.
What keeps the panes apart?
All double glazed windows have pane spacers set around the inside edges to keep the two panes of glass apart. For a more efficient window, look for pane spacers containing little or no metal - often known as "warm edge" spacers.
The BFRC window energy rating scheme checks all the components to ensure the final window achieves the energy efficient standard claimed. This means that you just need to look for the A-G ratings and remember A is best! Alternatively, just look for the Energy Saving Trust Recommended logo which will only be found on glazing that is C rated or above.
Which frame suits your home?
The frame you choose will depend on your home and your personal taste. For all frame materials there are double glazed windows available in each energy rating.

• uPVC frames are the most common type. They last a long time and can be recycled.
• Wooden frames can have a lower environmental impact, but require maintenance. They are often used in conservation areas where the original windows were timber framed.
• Aluminium or steel frames are slim and long-lasting. They can be recycled.
• Composite frames have an inner timber frame covered with aluminium or plastic. This reduces the need for maintenance and keeps the frame weatherproof

Do you need ventilation?
Because replacement windows will be more airtight than the original single glazed frames, condensation can build up in your house due to the reduced ventilation.
If there is not a sufficient level of background ventilation in the room some replacement windows will have trickle vents incorporated into the frame that let in a small amount of controlled ventilation.
Condensation can sometimes occur on the outside of new low-e glazing. This is because low-e glass reflects heat back into the home and as a result the outside pane remains cool and condensation can build up in cold weather - this isn't a problem.
When to improve your Double Glazing
Most homes now have double glazing, but what some people do not realise is that double glazing (like anything else needs to be maintained and sometimes replaced if you have had double glazing for a number of years.
Mist or condensation inside glass
If there is moisture inside the panes of glass, it often means the sealant has broken, allowing new moisture in. This means it is usually time to replace your double glazing. "If it's steamed up and there's condensation, it's usually had it and the pane will need to be replaced," says Nick Lowe, of City Windows in Chester.
My windows have changed to a dull yellow colour
The PVC changing colour over time does not mean the quality of the double glazing has been compromised. You can often find specialised paints to re-paint the frames of your windows. Most suppliers nowadays guarantee against discolouring but not against minor dulling and fading.
The hinges on my windows are too tight and it is hard to open the window
If you examine the hinge, you should see a small brass screw. This is the tensioning screw and if you loosen it slightly, it should solve the problem. If this does not work, your local glass shop or double glazing repair company (see local paper ads or Yellow Pages) can usually replace the hinge for you. The hinges on my windows are too loose and my windows fly wide open when opened
If you examine the hinge, you should see a small brass screw. This is the tensioning screw and if you tighten it slightly, it should solve the problem. If this does not work, your local glass shop or double glazing repair company (see local paper ads or Yellow Pages) can usually replace the hinge for you. There is a draught coming through my windows
First, check for a loose handle, slightly bent hinge or a hinge where a screw or rivet has become loose. If it is none of these you may need to replace your double glazing, although it is worthwhile to contact your local double glazing repair first to check if you can have the window repaired.
Double glazing can last for years and years, but like anything else is subject to 'wear and tear'. Before contracting a double glazing company to replace your windows, get a few quotes to ensure that you are getting the best deal, and only go with approved and registered double glazing installers, who offer a guarantee.

By Ally Christian

How to Invest $1000 Dollars - Doubling Money

To double $1000 dollars to make it into $2000 all you need is one thing and that is a good eye. Doubling your money is no mean feat and doubling it in a month or so could be seen as alchemy. But it is not. In this article we break down the goal of doubling $1000 dollars and identify risk management measures to boot.
There are roughly 4 weeks in a month so our first step is to break down our 100% goal into smaller weekly 20% goals. That almost immediately seems to be helpful. Adding 20% and compounding it at each week, you would have nearly 100% at the end of the month.
This is a hands on technique and far from the 7% returns you get from the stock market and other traditional investment vehicles. The goal of this doubling technique is to become expert in a particular field in terms of local market prices.
You have to realize that in your local area, wherever you live, if there are people around, there are needs. These needs translate into consumer purchases and not all people want to or are willing to buy new. There is a strong secondary market for any item you can imagine and buying something below intrinsic value it is possible to resell the same item immediately for a profit in this secondary market.
You could for example look at small cheap 4 cylinder cars and establish a particular model that is popular. Buy it for $1000 dollars knowing it is worth $1200 or more and sell it for a profit. Of course, the one big advantage to this kind of i9nvesting is that you receive in return for your money a tangible item that can be cleaned and improved without too much expense to not only increase the actual value, but ultimately protect your investment making it more desirable to the market meaning you will have no problem getting your money back on the item.

If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read about Martin Thomas in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.

by Terry Hart

Doubling Money in a Week

I found myself in a serious financial bind a few months ago. I only had $400 to my name and needed find a way of doubling money in a week to pay my rent. I thought it would be impossible, but not only was I able to double it that week - I have continued to see money pouring in!
My plan was really very simple. First, I found a business that was going out of business. The first one I found was a local drug store. They were selling all of their merchandise for very, very cheap. I invested my initial $400 in 800 rain ponchos, as it was Spring and they were in high demand. I got lucky and it rained 4 days that first week. All I did was go stand on a corner in a busy area of downtown and sell the ponchos for $1 a piece.
The ponchos sold out by the 4th day and I'd managed to double my money! I knew I was on to something really special. Now I keep an eye on the Sunday ads in the paper for super sales or going out of business sales. I buy cheap and sell for market value. Typically I will sell my goods on the internet, and the time it takes me to make over $2,000 a week is well worth it!
If you find yourself in a situation where doubling money in a week is a necessity, it is possible. You just have to keep an eye out for opportunities around you.

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How to Make Money & Double Your Income in 90 Days

A very rich man once told me that it's not all about the money. My response was "that's easy for you to say. You have the money."
He then went on to explain the difference between value and money.
Before we get into that, let me explain:
I was the opportunist sales guy always looking for the next transaction. My sales techniques were a little unpolished but it didn't matter because I was doing the numbers. We all know that sales is a numbers game so no matter how bad you suck, if you just do the numbers you will get some results.
Well, I was getting some results as a matter of fact they were above average results but who wants to be just above average anyway. I wanted more than I was getting so I worked harder at chasing the sale and closing the transaction. I learned all of the closes and mastered the art of handling objections. From this my numbers improved but still were not getting me where I wanted to go. My goal was to get over the $100K/year mark but I just couldn't crack it. How could I work harder? How could I leverage my time? There were only 168 hours in a week. I needed more.
In my first year in the recruitment industry I did 1532 face to face meetings with decision makers. 90% of those meeting were first time meetings which should tell you that I didn't do a lot of follow up. I was looking for the transaction. If someone didn't have business for me, I would move to the next person and so on... After reviewing my 1st year numbers, I realized that I had to do something different but I didn't know what. This is where the very rich man comes in.
His advice was, "forget about the money, forget about the commission, forget about the sales awards. Focus on bringing value to others and all else will follow." Again I thought that it is easy for someone to say that when they already have the money. You've heard the saying "Money isn't everything." I didn't believe that until this point. I always thought that money is the solution to everything. If I'm going to be miserable, I may as well be miserable rich (I still believe this just in a different capacity).
So the lesson is, bring value first and the money will follow.
I was out of ideas so I thought that I would give it a try. I joined a few networking groups as well as the Board of Trade. I went to these events looking for ways that I could bring value to others rather than get a sale. I looked for ways that I could connect other people to help them out so that both parties could benefit whether it was to my benefit or not. I stopped worrying about the transaction and the short term gain and started looking at the big picture and the long term gain. It was no longer all about me but about those around me.
You'll never guess what happened. Prospective clients became clients. Orders just seemed to drop on my lap from people that I helped previously. Orders came from people who I had never spoken to before but they had heard of my value proposition.
From helping and bringing value to my co-workers I was promoted to manager to senior manager to VP. I was now able to leverage my time and make money from other people's efforts rather than limiting myself to the 168 hours in the week. I then cracked the $100K benchmark. Wow! That rich guy was right.
I also learned another valuable lesson here. Be careful who you take advice from. If someone has no money, don't take advice from them on making money. If someone is out of shape, don't take fitness advice from them (I've never understood personal trainers who are out of shape. What credibility could they possibly have?).
So the way to double your income is to bring value to others first. Look for ways that you can increase your value in your community. Do some volunteer work, coach a team, write an article or whatever you come up with... Be the resource in your industry. Become the expert.

I have found a way to further leverage my time. It lies in the power of the internet. I have learned to harness the internet and make money in my sleep. If you would like to see the formula, feel free to visit my site.
Kiven Wenman is a VP Sales and Sales Trainer helping people succeed throughout North America. Kiven has coached and mentored many people to success through consultative mindset focused awareness. He is able to take you outside of yourself in order for you to have a clear look into yourself to see how others are seeing you. Kiven can be contacted at kwenman@gmail.com or visit http://www.myiflylikeaneagle.com.

5 Little Steps to Double Your Money

The best way to save money is to, this is what you hear very often, write a shopping list. Do not just walk around the mall with your wallet filled with cash and credit cards and buy what your heart tells you to. Buy what you brain thinks is necessary!
Next, get a saving account. Bank in your allowance or paycheck straight into the bank and withdraw only a specific amount each month. Remind yourself to only spend that amount of money. Tell yourself all you have is only that amount of money! Make sure you apply for the bank card too so you can keep track on the amount of money you saved. There will be a huge feeling of satisfaction seeing your money doubled every month.
Credit card's promotions are very tempting especially when there are free movie tickets, free bags, or even cutleries! However, the more cards you have in your wallet, the more you will tend to spend. This will cause an excess in spending without even noticing till the end of the month when all your bills arrive. Therefore, keep a card in your wallet at a time only or the best way is to just apply for one bank only.
Bring your meals to work/school! This really works! Spending probably 5-10 bucks a day for a meal can sum up to 100-200 a month. You can save about 100 bucks a month by bringing your own food to work for at least 3 days a week. The 100 bucks extra can buy you a week of groceries.
Last but not least is to reward yourself! Set a target and a prize with it. It can be the pair of shoes you have always wanted, a nice meal or even a slight increase of the amount of money in your wallet the next month. Just make sure to not spend all the money you have saved.
These tips may be what you often read elsewhere and it may seem nothing to you because it is very basic but keep this in mind, every little step is a BIG step in achieving your goals.

Anna has been writing articles online for nearly 3 years now. Not only she does her own research in finance, you can also check out her latest website Princess Phone to learn more about latest deal of princess phones.