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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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, caf├ęs 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 […]

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. […]