If you have cash on hand, the question of paying your mortgage versus investing the money will depend on many factors. This article will look at the factors to consider and what assumptions are implicit in the process. The situation is that the mortgage is for $300,000, with an interest rate of 3%, which is due in 3 years. Current […]
Case Study: Do I Pay My Mortgage or Invest My Cash?
alcohol abuse at work
Alcohol is prominent in all regions of the United States. It doesn’t take much of a search to see alcohol or alcoholic advertisements in stores, at the market, on billboards, and on television. Alcohol is almost everywhere. Sometimes it almost seems like more people drink alcohol than don’t. A common thing among our friends and family is to go for […]
NFL news and notes
The New England Patriots continue to lose players on defense, most recently safety Rodney Harrison against the Pittsburgh Steelers yesterday. But, true to form, kicker Adam Vinateri does your big kick (again) with the game on the line. Yes, indeed, despite losing key players and both coordinators, Bill Bellichick is still putting the pieces together and the Champions continue. Speaking […]
Free verse
After studying and writing poetry since I was in the third grade, more than fifty years ago, I have come to the conclusion that the more I learn, the more there is to learn. Every time I turn around, I discover another form or type of poetry. Some of the ways I have tried; others I decided not to use […]
Is being a full time stay at home mom more rewarding than being a full time career builder?
It is beyond terrifying for me to even ask myself this question let alone out loud. After a lifetime of supporting all things “women’s rights,” working full-time in a career my entire adult life, I wonder if I made a big mistake. After 11 years of marriage, an unexpected divorce completely upset me. Instead of asking for alimony and child […]
Perfect desks for call centers – Calling The Shots
In the increasingly demanding call center market, businesses are under considerable pressure to place and process more customer calls without increasing overhead. In an effort to meet these demands, call center desk design has come a long way in recent years and the days of cubicles are long gone. Modern call center desks need careful design to allow for both […]
The power to bless your money
We all know that in order to open the channels of abundance and prosperity, we need to bless money and those who have it and use it for good. Of course, it is not up to us to judge why a person needs to use money to buy expensive cars and mansions when half the world is starving. Nor do […]
What exactly is the concept of advertising 4.0?
The concept of Advertising 4.0 is not my invention, but it is the reality of smart advertising on the internet. It is a system made up of creators, publishers, audience groups and regulatory agencies. I was in the business of creating and delivering advertising work on the Internet 10 years ago. The first was creating advertising for Google. You may […]
4 kinds of popular educational toys
Educational toys are becoming a staple in most homes around the world. As parents realize the importance of early education, they try to find ways to make it as fun and simple as possible for their children. This is where educational toys come in handy. They are affordable, fun for your kids, and provide them with the best educational material […]
Why Buy Terpenes?
Buy Terpenes You can Buy terpenes for many uses, including fragrances and cleaning products. For example, limonene, which is a component of lemon scent, is found in lotions. Linalool, which is found in lavender, is used in lavender-scented soaps and other products. If you’re considering purchasing terpenes for use in your home, be sure to do your research. There are […]