Drivealogues

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU!

You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only.

Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn.

Since these advisors are paid commissions which may or may not be disclosed, and the amounts may vary based on the insurance and investment products they sell, there is an inherent conflict of interest in the financial advice given to you and the commission these financial advisors earn. If their income is dependent on transactions and selling insurance and investment products, THEY HAVE A FINANCIAL INCENTIVE TO SELL YOU WHATEVER PAYS THEM THE HIGHEST COMMISSION! That’s not to say there aren’t some honest and ethical commission based advisors, but clearly this identifies a conflict of interest.

Fee Based Financial Advisor – Here’s the real “dirty little secret” Wall Street doesn’t want you to know about. Wall Street (meaning the firms and organizations involved in buying, selling, or managing assets, insurance and investments) has sufficiently blurred the lines between the three ways your financial advisor may be compensated that 99% of the investing public believes that hiring a Fee-Based Financial Advisor is directly correlated with “honest, ethical and unbiased” financial advice.

The truth is FEE-BASED MEANS NOTHING! Think about it (you’ll understand more when you learn the third type of compensation), all fee-BASED means is that your financial advisor can take fees AND commissions from selling insurance and investment products! So a “base” of their compensation may be tied to a percentage of the assets they manage on your behalf, then the “icing on the cake” is the commission income they can potentially earn by selling you commission driven investment and insurance products.

Neat little marketing trick right? Lead off with the word “Fee” so the general public thinks the compensation model is akin to the likes of attorney’s or accountants, then add the word “based” after it to cover their tails when these advisors sell you products for commissions!

FEE ONLY Financial Advisor – By far, the most appropriate and unbiased way to get financial advice is through a FEE-ONLY financial advisor. I stress the word “ONLY”, because a truly fee ONLY financial advisor CAN NOT, and WILL NOT accept commissions in any form. A Fee-ONLY financial advisor earns FEES in the form of hourly compensation, project financial planning, or a percentage of assets managed on your behalf.

All fees are in black and white, there are no hidden forms of compensation! Fee-Only financial advisors believe in FULL DISCLOSURE of any potential conflicts of interest in their compensation and the financial advice and guidance provided to you.

Understanding the conflict of interest in the financial advice given by commission based brokers enables you to clearly identify the conflict of interest for fee-based financial advisors also – they earn fees AND commissions! Hence – FEE-BASED MEANS NOTHING! There is only one true way to get the most unbiased, honest and ethical advice possible and that is through a financial advisor who believes in, and practices, full disclosure.

Commission and Fee-Based financial advisors typically don’t believe in or practice full-disclosure, because the sheer magnitude of the the fees the average investor/consumer pays would surely make them think twice.

Consider for a moment you need to buy a truck specifically for towing and hauling heavy loads. You go to the local Ford dealership and talk to a salesperson – that salesperson asks what type of vehicle you’re interested in and shows you their line of trucks. Of course, to that salesperson who earns a commission when you buy a truck – ONLY FORD has the right truck for you. It’s the best, it’s the only way to go, and if you don’t buy that truck from that salesperson you’re crazy!

The fact is Toyota makes great trucks, GM makes great trucks, Dodge makes great trucks. The Ford may or may not be the best truck for your needs, but the salesperson ONLY shows you the Ford, because that’s ALL the salesperson can sell you and make a commission from.

This is similar to a commission based financial advisor. If they sell annuities, they’ll show you annuities. If they sell mutual funds, all they’ll show you is commission paying mutual funds. If they sell life insurance, they’ll tell you life insurance is the solution to all of your financial problems. The fact is, when all you have is a hammer… everything looks like a nail!

Now consider for a moment you hired a car buying advisor and paid them a flat fee. That advisor is an expert and stays current on all of the new vehicles. That advisor’s only incentive is to find you the most appropriate truck for you, the one that hauls the most, tows the best, and is clearly the best option available. They earn a fee for their service, so they want you to be happy and refer your friends and family to them. They even have special arrangements worked out with all of the local car dealerships to get you the best price on the truck that’s right for you because they want to add value to your relationship with them.

The analogy of a “car buying advisor” is similar to a Fee-Only financial planner. Fee-Only financial advisor’s use the best available investments with the lowest possible cost. A Fee-Only financial advisor’s only incentive is to keep you happy, to earn your trust, to provide the best possible financial advice and guidance using the most appropriate investment tools and planning practices.

So on one hand you have a car salesperson who’s going to earn a commission (coincidentally the more you pay for the truck the more they earn!) to sell you one of the trucks off their lot. On the other hand, you have a trusted car buying advisor who shops all of the vehicles to find the most appropriate one for your specific needs, and then because of his relationships with all of the car dealers can also get you the best possible price on that vehicle. Which would you prefer?

Truly unbiased financial advice and guidance comes in the form of Fee-Only financial planning. You know exactly what you’re paying and what you’re getting in return for the compensation your Fee-Only financial advisor earns. Everything is in black and white, and there are no hidden agenda’s or conflicts of interest in the advice given to you by a true Fee-Only financial advisor!

The fact is unfortunately less than 1% of all financial advisor professionals are truly FEE-ONLY. The reason for this? There’s a clear and substantial disparity in a financial advisor’s income generated through commissions (or commissions and fees), and the income a financial advisor earns through the Fee-Only model:

Example #1 – You just changed employment and you’re rolling over a $250,000 401k into an IRA. The commission based advisor may sell you a variable annuity in your IRA (which is a very poor planning tactic in most cases and for many reasons) and earn a 5% (or many times more) commission ($12,500) and get an ongoing, or “trailer” commission of 1% (plus or minus) equal to $2,500 per year. The Fee-Only financial advisor may charge you a fee for retirement plan, an hourly fee, or a percentage of your portfolio to manage it. Let’s say in this case you pay a $500 retirement plan fee and 1.25% of assets managed (very common for a Fee-Only financial advisor in this situation). That advisor earns $500 plus $3,125 ($250,000 * 1.25%) or TOTAL COMPENSATION of $3,625 – FAR LESS THAN THE $15,000 THE COMMISSION (or Fee-Based) financial advisor earned! In fact it takes the Fee-Only financial advisor over four years to earn what the commission (or fee-based) advisor earned in one year!

Example #2 – You’re retired and managing a $750,000 nest egg which needs to provide you income for the rest of your life. A fee-based financial advisor may recommend putting $400,000 into an single premium immediate annuity to get you income and the other $350,000 into a fee-based managed mutual fund platform. The annuity may pay a commission of 4% or $16,000 and the fee-based managed mutual fund portfolio may cost 1.25% for total compensation of $20,375 first year (not including the “trailer” commissions). The Fee-Only advisor would possibly shop low load annuities for you, possibly put the entire portfolio into a managed account, possibly look at municipal bonds, or any other variety of options available. It’s hard to say how much the Fee-Only advisor would earn as their largest incentive is to keep you the client happy, and provide the best planning advice and guidance possible for your situation. BUT, in this case let’s just assume that a managed mutual fund portfolio was implemented with an averaged cost of 1% (very common for that level of assets), so the Fee-Only financial advisor earns roughly $7,500 per year and it takes that financial advisor THREE YEARS to earn what the fee-based financial advisor earned in ONE YEAR!

The prior examples are very common in today’s financial advisory industry. It’s unfortunate that such a disparity in income exists between the compensation models, or there would likely be many more truly independent and unbiased Fee-Only financial advisors today!

Now consider for a moment which financial advisor will work harder for you AFTER the initial consultations an planning? Which financial advisor must consistently earn your trust and add value to your financial and investment planning? It’s obvious the financial advisor with the most to lose is the Fee-Only advisor. A Fee-Only financial advisor has a direct loss of income on a regular basis from losing a client.

The commission or fee-based financial advisor however has little to lose. You can fire them after they’ve put you in their high commission products, and as you can see from the examples they’ve already made the majority of the commissions they’re going to make on you as a client. They have little to gain by continuing to add value to your financial and investment planning, and little to lose by losing you as a client.

Wouldn’t you prefer a financial advisory model where your financial advisor must continually earn your trust and add consistent value to your planning?

It’s clearly more difficult to earn a living and run a profitable financial advisory firm through the Fee-Only financial planning and guidance model. For this reason, most financial advisors take the easy way and sell products for commissions and charge fees on assets managed – that way they can make a nice living on your investment portfolio and still have an ongoing stream of revenue every year. For this reason also, less than 1% of financial advisors are truly Fee-Only, yet it’s that 1% that is truly objective and unbiased, and that 1% whose only incentive is to manage your financial plan, investments, and overall wealth to accomplish the goals you wish to achieve!

The real “dirty little secret” Wall St. has is the undeniable truth that the commission and fee-based financial advisory model has inherent conflicts of interest, and your advisor may be “selling you investment products” rather than “solving your financial problems”!

Do you suffer from heavy metal toxicity?

Chances are you do. If you are suffering from symptoms such as; chronic fatigue, chronic infections from decreased immunity, autoimmune diseases, chronic candida overgrowth, and even cancer, heavy metal toxicity may be the root cause of it all.

Your Dr. may not be testing for heavy metal toxicity and prescribing medication instead without getting to the root of the problem. You need to know better.

Although mercury toxicity from amalgam dental fillings has recently gained some exposure, mercury is not the only dangerous heavy metal you need to be aware of.

Cadmium, aluminum, lead, and arsenic are some of the heavy metals we are exposed to just by breathing in the air around us. Industrial discharges, pesticide run offs, incinerator emissions, manufacturer smokestacks, and aviation, and auto vehicle exhaust all spew heavy metals into the air we breathe and the ground we get our water and food from.

Aluminum toxicity is also easily leached into processed, packaged food during manufacturing and packaging. Aluminum can leak from giant vats used in commercial kitchens, aluminum lined juice boxes, cans, and other packaging materials.

Cadmium is another heavy metal leaking into the environment on a continuous basis from a variety of sources. Commercial fertilizers, fish from polluted waters, burning fossil fuels, auto and industrial exhaust, the incineration of plastics and batteries, all affect the air we breathe, the water we drink, and the food we eat, contributing to nationwide heavy metal toxicity.

There is actually an average daily intake of cadmium exposure of 30 micrograms. People who smoke or work with metals may be exposed more heavily. Smoking one cigarette provides 2 micro grams of cadmium, and people who smoke don’t smoke just one cigarette.

As cadmium stockpiles in the kidneys, symptoms of heavy metal toxicity begin to show as hypertension, or arterial disease with ringing in the ears. Cadmium toxicity can interfere with intestinal absorption of calcium and other minerals leading to osteoporosis, or anemia.

Without any detoxification protocols it takes the body 10-30 yrs to naturally rid itself of half of its cadmium. But we are still getting a dose of it every day! And since cadmium exposure is not decreasing any time soon, you make the calculation of where that leaves you!

It may take 20-50 yrs. to accumulate enough heavy metals to actually cause heavy metal toxicity symptoms, and damage such as hypertension, osteoporosis, arthritis or cancer. Since our children today are already born with higher levels of toxicity, it may not be long before we see younger and younger people suffering from heavy metal toxicity symptoms which look like diseases we normally associate with old age.

Cancer can be caused by cadmium toxicity, and if there is a heavy cadmium burden which is not eliminated, it may not allow healing to occur.

If research scientists need rats with cancer of the prostate all they need to do is give them a dose of cadmium. The cadmium has a remarkable ability to zero in on the prostate and testicles as target organs.

Although it has been known for over 35 years that cadmium toxicity is one of the factors leading to prostate cancer, we are still not being advised by family doctors, or oncologists, on how to take precautions to prevent cadmium toxicity and cancer.

Cadmium heavy metal toxicity is like a thief in the night that doesn’t leave footprints.

Cadmium affects the thyroid function by lowering the T3 active thyroid hormone, although it does not raise the TSH which is the brains message to produce more thyroid hormone. When doctors test for thyroid function they test the TSH levels which most often appear normal despite lowered T3 levels.

With a normal lab test result, physicians will often blame their patients for complaining and overreacting, instead of taking the complaints serious.

It is important to have adequate levels of zinc, as fortunately zinc is able to displace the cadmium and kick it out of prostate storage. Selenium is also effective in protecting the body against cadmium toxicity.

High levels of nutrients that assist detoxification are of utmost importance to keep from developing symptoms of heavy metal toxicity.

If you have just bought a car then you should know that getting an auto car insurance has been made mandatory by law. Without this you won’t be able to drive on the roads and you will be collecting a lot of driving tickets. Getting auto car insurance is not that difficult; all you need to do is choose the right agency. This is not a daunting task if you are a wise buyer. There are so many insurance agencies to choose form, so finding the right one can be a bit tedious. It is vital that you choose the right agency if you want to save your hard earned money. Making a wrong decision will just make your money go out the window. Not everyone is a perfect driver so there is a possibility of you meeting with an accident. Paying for the repairs can be a bit expensive and at such times having auto car insurance in hand is beneficial. This will help you save your finances.

You really need to shop around to find the right agency and the easiest way to do is online. On the internet you will be able to find an agency nearest to you. You need to make sure that you browse through different websites before you actually settle on one. It can be a bit time consuming, but rushing into this will only make you suffer. So to avoid this you need to take your time and not hasten with this process. Browsing through an entire website will only take a few minutes, but by doing this you will get to know the policies of different companies. You can just choose a company randomly. You should choose the right one and make sure that they have all the services that you are looking for.

On the internet you will be able to compare auto car insurance rates to figure out which one is the most affordable. You should choose an agency that charges an affordable amount and it should also give you full coverage. Before you sign the fine print make sure that you read all the terms and conditions. If you find an agency that provides the required services and coverage then you should certainly take advantage of this. There will be many agencies that will lure you will attractive offers but you should take your time and choose the right one.

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio.

There are advantages and disadvantages for each and I will briefly highlight some of these below.

Let’s start with single family homes.

Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell.

They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.)

Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much.

Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property.

Another advantage of single family homes is that there are lots of them. However, single family homes tend to cost more per unit and they are harder to justify an income approach to pricing.

If you looked at a cost per rental unit, single family homes tend to be much higher than the cost per unit of similar (in terms of bed/bath) multi-units.

Since single family homes are primarily built for and sold to owner occupants, they are not priced based on the amount of income that they will produce. Sellers tend to rely on appraisals to value their houses and not on the amount of rent their house can generate.

Now, let’s look at multi-units.

Multi-units are different (not worse) to finance and tend to have better cash flow since the cost per unit is usually lower than similar single family homes.

Multiplexes with more than four units usually don’t qualify for residential financing and require a commercial loan, which is a significantly different process than financing single family homes.

This can be an advantage or a disadvantage depending on your specific situation. It usually requires a larger down payment, but your personal credit score is less important.

Since the cost per unit is lower, you can usually realize better cash flow from the property when looked at on a per month basis compared to single family homes.

Since the number of people looking to buy multi-units is smaller than those looking to buy single family homes, you may be able to negotiate a better deal when buying, but it also may mean you need to give a better deal when selling. This may be a contributing factor to why the cost per unit is lower than similar single family homes.

Personally, I prefer single family homes, but I believe that multi-units have their place in the right portfolio.
Single Family Homes Versus Multi-Units – The Great Real Estate Investor Debate

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio.

There are advantages and disadvantages for each and I will briefly highlight some of these below.

Let’s start with single family homes.

Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell.

They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.)

Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much.

Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property.

Another advantage of single family homes is that there are lots of them. However, single family homes tend to cost more per unit and they are harder to justify an income approach to pricing.

If you looked at a cost per rental unit, single family homes tend to be much higher than the cost per unit of similar (in terms of bed/bath) multi-units.

Since single family homes are primarily built for and sold to owner occupants, they are not priced based on the amount of income that they will produce. Sellers tend to rely on appraisals to value their houses and not on the amount of rent their house can generate.

Now, let’s look at multi-units.

Multi-units are different (not worse) to finance and tend to have better cash flow since the cost per unit is usually lower than similar single family homes.

Multiplexes with more than four units usually don’t qualify for residential financing and require a commercial loan, which is a significantly different process than financing single family homes.

This can be an advantage or a disadvantage depending on your specific situation. It usually requires a larger down payment, but your personal credit score is less important.

Since the cost per unit is lower, you can usually realize better cash flow from the property when looked at on a per month basis compared to single family homes.

Since the number of people looking to buy multi-units is smaller than those looking to buy single family homes, you may be able to negotiate a better deal when buying, but it also may mean you need to give a better deal when selling. This may be a contributing factor to why the cost per unit is lower than similar single family homes.

Personally, I prefer single family homes, but I believe that multi-units have their place in the right portfolio.

Looking for a great place for vacation with family? Europe is one lovely continent where everyone has an ample number and variety to choose from according to their interest. However, this can also confuse the travellers since they may not be able to decide as where to go and what all to skip. For this, there are numerous pre-set Europe travel packages which are available to the tourists to choose from.

These travel packages which are available to tourists for holiday are prepared keeping in mind the general interest and preference of the tourists. For those who have an interest in history, the places and destinations which have a high historical importance are included in the packages and thereby suit the tourists. Also, for those who have an interest in architecture, such people can take up a package which is prepared keeping in mind architectural wonders of the continent of Europe. Out of these Europe travel packages, the tourists can easily choose one and enjoy the best trip according to their interest.

The Europe travel packages that are pre-set and defined are also done considering the budget that a traveller has. Also, keeping in mind a time frame too, the packages can be obtained. Proper planning by online tour planners, tour guides for Europe etc precede the making of the package for the travellers which thereby suit their needs well.

Complete care of the travellers is taken. Europe travel package includes all the facilities for the travellers. Whether it is hotel booking, flight reservation, sight seeing, taxi bookings etc, all is done beforehand through the package organiser itself. Prior booking also helps in saving money of the travellers.

With Europe travel packages available to the tourists easily, they can make a readymade choice which suits their needs. This way they can have a great holiday and at the same time, stick to a proper budget as well as time frame.

It doesn’t matter if the jeans are high or low rise this season. It doesn’t even matter where the skirt lengths end up. No matter what the latest fashion style, you can wear it beautifully with a little bit of shopping savvy and a thorough knowledge of your body type. The key to wearing clothing well is to choose pieces that will accentuate your positives and minimize your – not so positives, no matter what the current fashion trend might be. All it takes is a little bit of time in front of the mirror and an honest evaluation of your shape, and you will be ready to choose the fashion styles that will look fabulous on you.

Five Body Types While every woman has her own unique shape, most will fall into one of five basic categories. The hourglass shape is wider in the chest and hips, with a narrow waistline. This is the shape that is tailor made for trendy belts, flowing skirts and v-neck tops to flatter your bustline. An apple shape is wider on the top and narrower on the bottom – perfect for the wide-leg and bootcut pants that are popular now. If you have a pear shape, you are narrower on top and wider on the bottom. There are plenty of lovely choices in the current fashion style for this figure as well. Try the current fashion trend of longer jackets and sweaters with a v-neck blouse underneath to make the most of your assets.

The petite figure is fortunate today, because there are many pieces in the latest fashion style designed just for her. Beware of outfits that cut you off at the middle, shortening your already small physique. Cropped jackets and straight leg pants are the perfect choice for this figure. Finally, for those who have been blessed with a long, lean shape, your options are fairly wide open when it comes to the latest fashion style. Sometimes the most challenging aspect of this figure type is finding clothing that is long enough to accommodate your tall stature. The good news is that many retailers are now offering many of their fashion styles in tall and long sizes just for you. 

Fashion style will come and go, but knowing how to wear those trends will make the difference between a fashion savvy dresser and a woman who is a slave to the current fashion style. Get hip to your body shape and choose your latest fashion style according to what will look good on you. Clothes worn well are always in style.

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances:

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.

Second, main goal of finances is much wider then “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit”. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests”.

In the manuals of the political economy we meet with the following definitions of finances:
“Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests”.
“The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations”.
As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.

India is a land of contrasts with diverse languages, ethnic groups, religions and traditions. Immerse yourself in the teaming bazaars, holy cities and Moghul forts. See a wide array of wildlife with 500 species of animals including tiger, leopard, elephant, and rhino, 200 species and sub-species of birds and 30,000 insect species.

High Himalayas, dark deep woods, Great Indian Desert, and an extensive coastline make India a formidable destination for those who are always up for dares and challenges. Adventure Holidays in India are rigorous and intense. You can opt for India Luxury Tours with sufficient number of adventure activities planned throughout the itinerary or go for more unusual travel experiences that qualify for off-the-beaten track adventure trips in India.

Jungle safaris on an elephant’s back along Tiger Trails in some of the best known National Parks and Tiger Reserves of India might be more popular but you might love to go for adrenaline-pumping motorbike safaris on a Royal Enfield or ‘Bullet’ as it is popularly known in India. Hot air ballooning, para-gliding, heli-skiing, zip-lining over the ancient Neemrana Fort are just some of the various fun activities you can opt for during your India Adventure Tours.

Bicycle tours along the countryside in South India are highly recommended if you want to experience real India first-hand. An option to stay and dine with traditional Indian families in their homes allows you to mingle with the locals and know more about their culture and lifestyle. Riding an elephant back like a King or Queen to the Amber Fort in Jaipur, Rajasthan is fun while Horse Safaris with descendants of erstwhile royals to rural Rajasthan or high-altitude trails in Himalayas are once-in-a-lifetime experiences you will cherish forever.

It takes some time to get used to the wobbly strides of a Camel, the Ship of the Desert and the most popular form of transport to more remote areas of Rajasthan. Yak Ride in Ladakh is another unusual activity you might want to try. There are endless options for Bird watching Tours and Wildlife Adventure Tours throughout India and each region has its own flavor with unique climatic and geological conditions, amazing biodiversity, and rare and endangered species of flora and fauna endemic to that region.

Those who are more active may perhaps want to go for more rigorous options of mountaineering, rock climbing, trekking, skiing, white river rafting, rappelling, bungee jumping, cliff jumping, snorkeling and deep sea diving. There is no dearth of adventure in India. The vastness of the country offers such diversity of landscapes and geology that it just takes a little imagination to come up with a personalized tour itinerary that keep entire group of vacationers happy for any length of time.

Fun-filled nights in Goa, known for its tropical beaches and music, serve as a happy break to foreign tourists from America and Europe who feel more at home there. The early Portuguese domination in Goa followed by the British rule has lent an European feel to the entire region. You will find a number of swanky churches here too.

Romantic houseboat cruises in Kerala backwaters many not make blood rush to your ears but they are highly recommended for couples visiting the country. The quaint beauty of thick forests casting their emerald green reflection in the channels and waterways look especially beautiful at sunrise. Bird songs, and fishes and amphibians (not found anywhere else in the world) that you encounter during Kerala houseboat cruises provide a perfect epilogue to your delightful adventure tours in
India.
Adventure holidays are becoming the choice of today’s traveler. India offers wide opportunities in this field because of its rich and varied climates. In northern India, one could experience trekking, mountaineering, gliding, paragliding and many other adventure activities in snow covered peaks of Himachal and Uttaranchal. In Rajasthan, adventure has a different face. You can experience the heat of desert and sand dunes while on Camel Safaries or Jeep safaris. South India offers water sporting opportunities like boat race, water sports and much more.

If you love wildlife, you can take experience the beauty in dense forest among wild animals in wildlife safaris, jungle safaris and jeep safaris of Uttaranchal and Karnataka. Uttaranchal, the land of holy rivers and there origins offers White water rafting and is hub for various other adventure sports activities like trekking, river rafting and wildlife safari. Garhwal offers some very exciting opportunities for the water sport lover. The Ganga with its frothing and foaming waters throw up a challenge that no rafter on this earth can look away from. The rivers in Uttaranchal are said to offer the best rafting opportunities in world. The hills of North India have all the ingredients for exploit packed with thrills – an unexplored valley, towering peaks, flowing rivers, a splendid combination of flora & fauna, snow-capped mountains and vast tracts of virgin snow.

Karanataka, another state in India unfolds its many surprises that seem to have been created just for the adventure holidays seekers and nature lovers. Verdant forest, unexplored hill ranges and deep blue water are peculiar features which describes adventurous tours in Karanataka in the form of Rock climbing, Aerosports, Water Sports, White water Rafting, coracling, canoeing, kayaking and windsurfing.

The beauty of Kashmir attracts many tourists to this “Paradise on Earth”. Apart from the enthusiastic nature lovers, the high peaks of the Himalayas attract thousands of adventure sports lovers to the state. Adventure holidays in Kashmir are increasingly attracting Indian and overseas lovers of the outdoors.

Kashmir is one of the major attractions for the tourists for enjoying holidays. A range of options exist in the valley for the adventure loving visitors. There are some places in the valley where the adventure sports facilities are available like Gulmarg, Sonmarg, Pahalgam, Drass, etc. The mountain ranges as well as the gushing rivers of the valley provide abundant opportunities for adventure travel in Kashmir.

Other states of India are also encouraging adventure tours and tourism and several adventure tour parks and camps are being organized for a traveler seeking adventure tours.

Explore Paros beaches, sites and attractions.

The Port of Paros is in Parikia (the capital) which is situated on the western part of the island. Parikia is a well-developed tourism infrastructure town offering lots of accommodation units, beaches and archaeological sites to visit.

There are also daily flights from Athens to Paros (4 flights per day – 45 minutes flight), with Olympic Air.

Paros is the third in size island in Cyclades, after Andros and Naxos, with a total area of 195 sq. km and 120 kilometers of shore and beautiful sandy beaches. Apart Parikia which is the commercial center of the island, the most beautiful village in Paros is Naoussa, which is much more picturesque and has a lot of beaches and attractions to offer. The center point of interest is around the small fishing harbour of Naoussa where are situated some of the best restaurants, fish taverns, cafés and bars of the island. Near Naoussa are some of the best beaches of Paros, awarded with the “blue flag” sign.

In this article we will talk about things to do in Naoussa Paros during the day.
Get up early in the morning, have a rich breakfast at your hotel and get ready to discover the beauties of places around Naoussa. If you prefer to have your breakfast in Naoussa, go to the Café Santé, situated in the heart of the village. It is one of the most popular meeting points in Naoussa, serving all kind of coffees and delicious omelets.

After that, rent a scooter (or hire a taxi or a boat) and drive to some of the best nearby beaches. Start your beach tour from Kolimbithres beach which is situated in the bay, just opposite of Naoussa village. Due to impressive huge sculpture-like rock formations that divide the whole beach into little coves of sandy beaches, Kolimbithres is one of the most popular beaches near Naoussa. Some of these small beaches offer umbrellas and sun loungers for hire and some water sport facilities as well. Another small sandy beach, pretty close to Kolimbithres, is Monastiri (or Agios Ioannis beach). It’s a very well-organized beach, with crystal clear waters, sea sport facilities and seafront fish taverns to enjoy your lunch with delicious tastes.

For snorkeling and windsurfing lovers, it’s suggested to go to Santa Maria beach, situated east of Naoussa at a distance of 5 km, facing Naxos island. This is a fully organized beach with sun loungers, umbrellas, sea sport centers and beach bars with nice music.

In the afternoon you may visit some churches, such as Kimisis tis Theotokou (the Church of the Assumption of the Virgin) which is the main church of Naoussa, located on the highest spot of the hill, the church of San Nicolas and the Monastery of Logovarda which is located 4 km from Naoussa on the way to Parikia. Logovarda is a male monastery and it is forbidden for women.

If you are going to stay in Paros for more days, then it’s worthy to visit some of the most interesting sites in Parikia, such as the church of Panagia Ekatontapiliani (meaning Our Lady of the Hundreds Gates) which was constructed in the 4th century A.D. by Saint Constantine, the first Emperor of Constantinople (Istanbul) and is one of the best preserved Christian monuments in Greece, where you may visit the Byzantine Museum and admire a collection of rare icons, various religious relics and other christian items dating from the post-Byzantine period. In Parikia is also located the Archaeological Museum of Paros where you may see a huge collection of findings dating from the Bronze and Neolithic period.

And last, don’t miss to visit Antiparos island, a small picturesque islet, just 1 nautical mile southwest of Paros, where you will feel like in paradise. Antiparos is accessible by ferryboat from Paros port (Parikia) which is a 20 minutes trip and from Punda beach which is just 7 minutes trip.

Owning and running your own small business is a great thing to do, but it is not always easy. If you want to have success with your small business, there are some ways to do it, though. Here are some small business tips to maximize your profits and minimize your headache, even early on with the business.

The first of the small business tips that you need to remember is that in the early time of the business, you want to keep your profits as high as possible. This is not always an easy thing to do because often, especially when your business has first opened, your customers are pretty low, and therefore your money is pretty low. In order to make this happen, keep your spending as low as you can. Avoid buying anything that is unnecessary in order to keep all the money that you can.

Another of the great small business tips that you can use is about advertising. If you want to get customers, which are necessary for the success of many businesses, you will have to advertise in order to get them. Advertising is something that you should always make room for in your budget. Of course, finding the most affordable methods of advertising early on will make quite a bit of difference. It may take more work, though.

If you want to start your own small business, the market for a business is something you should consider. If there is no market for your business, you will not have any success with it. So, make sure that the people in your area will want to purchase the products or services that you will offer them. This is a very important part of having any sort of success with a business – possibly the most important in some cases, because it can often determine the success or failure of a business.

Another of the great business tips that you can use is to always take advantage of the Internet. Even if your business is not one that would benefit in any way from a website, it is a great idea to advertise on the Internet. This can greatly expand your ability to get customers. And what’s even better – Internet advertising is far more affordable than many local newspapers. This is advantageous for additional advertising at a great price, which is especially great for young businesses that don’t have a lot of money to spend on advertising.

If you have a successful small business, then you will experience all of the great advantages of it. But, you have to have a successful small business in order for that to happen. These small business tips will help you make your business more successful so that you will actually make money. Keep all of these in mind when you buy a business or when you start one of your own. They will be helpful in both cases to get your business established and help you actually make money.