Private Banking Services Vs Retail Banking

September 24, 2016

Private banking is a much more personalized banking service given to individuals who invest substantial sums, typically over U$S1M. The most noticeable difference between retail and private banking services are that private clients receive customer service on a 1-1 basis via a relationship manager or a private banker. Wealthy individuals with private accounts can expect to meet their bank contact in person, and have direct phone access to a relationship manager. Usually the private banking arm of a bank is separate from the retail banking arm and the service is completely distinct.A private bank is one that is not incorporated. Private banks are favoured by conservative investors because the directors are personally liable, and more likely to be cautious in managing client funds. Financial institutions like these are sometimes family owned and only cater to the very rich. One of the reasons why wealthy people choose them is their confidentiality – a pledge to maintain client records secret. For some it is a case of not wanting to be targeted by criminals, lawsuits or corrupt governments. Others use this secrecy to shield income from authorities like the IRS and evade tax.

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Many of the world’s private banks are found in Switzerland because of the strict bank secrecy laws and sophistication of Swiss financial services. Small banks in countries like Switzerland are also more likely to keep their client records secret because they limit their operations to within the country’s bank secrecy laws.Not only private banks offer private banking services – in fact some of the biggest providers of private banking and wealth management services like UBS, Credit Suisse and the Barclays are not privately owned. Private clients of these huge banks can take advantage of their in-house trading and research departments, and sometimes choose to have almost all their assets managed by the bank. This way they expect much higher returns than those given by a simple savings account or certificate of deposit.Types of Private Banking ServicesUsually only very affluent clients demand wealth management – where private bankers manage an investment portfolio for a family or an individual. The fee for this service varies from bank to bank and is charged yearly as a percentage of the total amount invested. The return of a portfolio will also depend on the standard of the private banking service. While some will provide excellent returns, others will continue to charge high fees while investing client funds in the bank’s own investment funds, regardless of whether or not this is beneficial to the client.

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A popular alternative to wealth management is Self-Directed private banking, where the client manages his own portfolio, at times calling on advice from the bank. The advantages of this type of account are lower fees and greater personal control.Inheritance and tax planning are extra private banking services provided either directly or by referral for an extra fee.

Mobile Computing

September 24, 2016

Mobile computing refers to the use of any kind of computer in a moving environment. The motion may be of the device itself, as in laptops, palmtops, wearable computers, and mobile phones; or it may refer to the dynamics of the computing process, as in digital cameras, podcasters and MP3 players. Mobile computing devices generally use wireless technologies such as LAN, Wi-Fi, GPRS and the more recently introduced MAN.Mobile computing can be broadly classified into two categories – portable computing and mobility computing. Portable computing actually refers to wired communication. Portable devices themselves are movable, but in order to access them one needs to connect them to a network port. That means, portable computing devices can be carried to wherever there is a network port available. Mobility computing is also called simply mobile computing nowadays. This is true wireless communication. Not only are the devices movable, but they can also be accessed from almost anywhere. Today, portable computing is almost on the verge of extinction; mobile computing has made its foray into almost every aspect of human life.

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The first usage of mobile computing devices was perhaps in vehicles. Speedometers were among the first devices to get computerized. Almost every modern vehicle has several mobile computing devices under its dashboard. Cell phones are another rampant proliferation of mobile computing today. Every single cell phone is a computer in its own right. With the advent of wireless technologies, it is also possible to access the Internet through cell phones. Blue tooth has brought cell phone users closer than ever before and has facilitated data transfer within a stipulated area. Another brilliant advancement in the field of wireless technologies is the Metropolitan Area Network, or MAN, which will allow vehicles and cell phones to remain in communication with each other forming a network probably much vaster than the internet.Today, mobile computing is a boon to people on the move. It can be used for checking mails while in transit and even carry out transactions and businesses. Services like SMS (Short Messaging Service) and MMS (Multimedia Messaging Service) are targeted towards the younger generation to remain in contact with their colleagues and friends. During sports events, mobile networks keep users informed of the goings-on.

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However, critics are concerned with the intrusion of privacy that mobile computing creates. Several members of the younger generation are turning into ‘gizmo freaks’ and becoming almost addicted to their mobile computing devices like watches and cell phones. Some of these devices which work on infrared technologies can also pose potential health risks.Yet, mobile computing has become an indispensable extension of technology today. It is definitely here to stay.

Benefitting Health With a PhD in Health Education

October 19, 2016

Imagine this real case scenario: In Africa, many people die daily due to malaria. This can be avoided by the use of mosquito netting, which protects the malaria-carrying mosquitoes from biting them. However, people are still ignorant and uneducated about how these nets can save their lives, and go on living without them.Now, picture this: If the people in Africa were educated from young about the dangers of these deadly insects, they would take precautions to save themselves. If, with that knowledge, they also knew that mosquito netting can reduce the number of incidences, many would be alive today.

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As the examples given, the education of living healthily is extremely important. Even without such an extreme case, health education helps us maintain a healthy life. Health education refers to learning about how health can be promoted, restored, and maintained. ‘Health’ does not only refer to the physiological aspect; it also includes the psychological and spiritual aspects.A profession in this field is where one educates others about health and wellness. Being in this profession demands a big heart and dedication towards helping others live a good life. While many might come in as volunteers, having a PhD equips you with the proper knowledge and credentials to educate others on health and wellness. You will also be able to conduct researches, formulate, implement, and evaluate health interventions, one like the mosquito netting example. Of course, this would mean that you would continuously be monitoring and correcting interventions so that society will be more aware of their health, which on the long-term is beneficial to our future grandchildren as they would have known how to live healthily.

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Lastly, with a PhD in Health Education, you are also able to advance your career in the field of health education. This field is never outdated as our society is constantly seeking methods to improve their lives and well being. At the same time, you are also able to discover ways to improve your own mental, physical and spiritual health.

Womens Health – The Secret Behind Good Health

October 22, 2016

Maintaining good health is important for women as they have to do many activities in the daily life. Lots of women have been suffering from many types of Womens Health related problems due to the lack of essential vitamins and minerals in the body. Vitamins are very important and essential ingredients for the body because the help the body organs function properly and due to this reason they need to keep themselves in a good health. Good quality vitamins help the women in slowing ageing process, strengthen the immune system, improve the energy levels and also support the hormones. But before looking for vitamins, a medical consultation is very essential as the medical professional will be able too find out the most suitable vitamins as per the body formation and functionality of vital organs.

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Physicians can provide better guidance when it comes to the Womens Health care as lots of studies in the medical field have proven that the body of women needs lots of anti ageing substances which are natural and provide specific benefits to their health. Fresh fruits and vegetables always help in supplementing for the vitamins and minerals required for the body. Apart from vitamins and minerals, women also require nutrients like amino acid, antioxidants and so on.Nutrients are important for both the genders but some nutrients are specially required for Womens Health because they are much important in balancing their female hormones. It is a fact that the women who are between 25 and 45 years of age need extra bit of care for the maintenance of their good health. Osteoporosis is a significant situation in women which begins when they attain 30 years of age so a diet of calcium and magnesium supplements and other necessary nutrients regularly are specially recommended to those who attain the age of 40.

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It’s important for the Womens to give proper care to their health and get the regular checkup done to keep them fit and disease free.

World’s Top Golf Resorts: Train and Play for Your Vacation!

September 11, 2016

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:Airfare
Resort Accommodations
Confirmed Tee Times
Prepaid Green Fees
Shared Cart for 18 Holes
Equipment Rental
Golf Lessons
Meals at Exclusive Restaurants
Transfers to the Course
Transfers to the Airport
All Taxes and Service ChargesGolf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States–Sandpiper Bay, Florida.

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Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called “golf hotels,” among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and “golf tuition” packages for all levels.Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California’s famous “Pebble Beach” golf resort, called Bajamar, only a few hours’ drive from San Diego in Ensenada.For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink’s which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let’s review these states for their best locations:In sunny, always temperate Florida, Club Med’s Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.
Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.
In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!
Another golfer’s paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.
Las Vegas, Nevada, is quietly emerging as one of the United States’ fastest growing golf destinations amidst the glitz and glamour of its casinos. The city’s huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.
CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin’s golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek’s top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

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Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!(c) 2012 Elizabeth McMillian

Equestrian Style in Your Home

September 9, 2016

Your love for horses doesn’t need stop at the barn. Horse people enjoy having decorative horse elements in the home. Whether you are a lifelong equestrian, an admirer of horse sport, or someone who loves the equestrian look, having equestrian style in your home adds character and tradition. How you bring equestrian elements together can make the difference in telling a story or having your items overlooked.Equestrian style was popularized when Ralph Lauren hit the fashion world by storm. He made both nautical and equestrian styles livable for mainstream people. It became possible and affordable to have the sporting lifestyle look. And while many people took up stirrup pants and hacking jackets, decorating with equestrian style has been around for hundreds of years. Look no further than the English countryside. Whether you have acquired equestrian pieces from the barn, or you are just starting out, giving your home or space an equestrian estate feel is not difficult. As with any design, the key is to start with a plan that includes well-thought-out furniture placement and a good color scheme. Traditional furniture works best when designing an equestrian style space. Dark, substantial wood furniture with good quality upholstery or leather gives mind to the English countryside, where most equestrian trends originated. Steeped in custom and tradition, equestrian elements have changed little through the centuries. Garner ideas from books and magazines, or search the internet for ideas.

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Once furniture placement has been established, anchor the space with a good rug. Vintage rugs protected fine wood floors from muddy hunting boots, numerous hounds, and country parties. These rugs were handmade and vegetable dyed. Today’s production rugs lack some of the character of the older rugs, but can still lend the style and are always a smart choice to bring a space together.Equestrians love art, and art that includes the horse is always a favorite. Some equestrian artists have stood out through the years, with George Stubbs being immensely popular during England’s sporting days. His works are traditional, beautiful, and have color schemes that are easy with which to work. Reproductions of his paintings are available on the internet.No equestrian space would be complete without horse tack, the equipment leather goods used in riding and training horses. Whether you choose stainless steel stirrups or bits, old horseshoes, or leather strap goods, these pieces strategically placed are key elements to bring your space to life. A favorite of ours is a silver mint julep cup used to hold pens or flowers. Stirrups make good bookends. Harness brasses can be framed or mounted cleverly over light plates. Snaffle bits can serve as window panel tie backs. Equestrian books are another design element that is readily available and brings authenticity to your space. These books are available as novels, training books, or picture books.

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To add softness and comfort to your space, yet still maintain style, consider adding needlepoint or horse themed equestrian pillows. Throw pillows come in many styles and colors. Look for traditional fabrics and authentic embellishments like fox hunt buttons, harness brasses, or other pieces of horse equipment.Bringing equestrian style to your home or space adds character. Horses have had a close relationship with man for most of human history. Only since the invention of the automobile have we been so distanced from him. Bring equestrian style to your home by using these design ideas, and bring horses into your decor.

Examples of Some Health Conditions and Physical Symptoms Related to Alcoholism

October 16, 2016

Alcoholism is not prejudice at all, nobody is completely safe from becoming an alcoholic. It is just important that you educate yourself more about it, so that you will know what to do in order to remain healthy and live a longer, healthier life.Alcoholism can damage many of the organs in your body and if you use and abuse alcohol for a prolonged period of time then you are putting yourself at a higher risk of getting serious conditions and diseases that could take your life. It is important that you take the time out to read about these different health conditions and physical symptoms that are sometimes related to alcoholism. Some of these that I am talking about include things such as, cirrhosis of the liver, inflammation of the liver, a higher blood pressure, malnutrition, erectile dysfunction, pancreaitis, insomnia, bleeding of the esophagus, nerve damage and brain damage could also occur with prolonged abuse of alcohol. These sound serious don’t they, because they are serious and they could be life threatening. Why would anyone want to hurt themselves in such ways? The fact is, most people do not take the time out to think about all of the negative consequences of drinking too much alcohol, they just live in the moment or the addiction has become so strong that they just can not do anything to stop it, or so they think.

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There are tons of treatment programs available for anyone that seriously wants to stop drinking or doing any other type of illicit drugs. It is up to you to get help or in some instances there needs to be an intervention from family and friends, getting you help whether you like it or not, although they do have to have your permission to put you into a program such as a rehabilitation and therapy center. It would be the best thing you could do for your life and your friends and family members would be so very proud of you and thankful, thankful in knowing that their dear friend or loved one is going to be around longer because they got the proper help and treatment that they needed to help in recovering from alcoholism or drug abuse. It will be so much hard work and it will take so much determination on your part, but it can be done, you can heal yourself and your body, mind and soul will benefit from it as well.

Cornwall’s Gardens

September 7, 2016

The ‘Garden Capital of the World’ is often how Cornwall is thought of throughout the world. Cornwall enjoys the power of the Gulf Stream with its temperate climate of warm summers, mild and wet winters which in turn allows exotic and rare plants to thrive.Where else can you find so many gardens with history dating back to the Iron Age? As long ago as the early 19th century Cornish gardeners were part of the Victorian plant hunters who collected exotic plants and seeds from all around the world.That gives us what we have today: over 60 fabulous gardens to explore with lush vegetation and sub-tropical theatres of colour brimming with exciting, rare and beautiful plants. Cornwall’s gardens are found in our magnificent Castles, Manor Houses, grand Farm Estates, Mill Houses, sheltered valleys, high up on blustery moorland and nestled in woodland and seaside gardens which meet the turquoise hues of the water’s edge.Cornwall’s gardens are so diverse as they vary in size from small and intimate to acres of rolling countryside. Some with enchanting lakes and a Victorian boathouse to water gardens with tree ferns, rhododendrons, camellias and magnolias. Others have walled gardens and manicured lawns to the newest of all two magnificent Biomes filled with magic from around the world.All around Britain you will be hard-pressed not to find a ‘Veitch’ plant or one derived from their nurseries. The Veitch family sent many collectors all over the world to bring back seeds and plants. These included two Cornish brothers, William and Thomas Lobb. William Lobb died in San Francisco in 1864 but his brother Thomas lived in Devoran until his death in 1894.In the East of Cornwall Mount Edgcumbe have The Earl’s Garden with ancient and rare trees including a 400-year-old lime. The Formal Gardens are found in the lower park and were created over 200 years ago in English, French and Italian styles. Cothele tells the story of the Tamar Valley and Antony was recently used as a backdrop for the film Alice in Wonderland. Also in the East is Ince Castle which overlooks the River Lynher. The garden enjoys woodlands filled with rhododendrons, camellias and magnolias, vibrant shrubs and formal gardens. Pentillie Castle’s gardens are only open on specific days and their orchard was replanted with old Tamar Valley varieties of apple and cherry.The South is awash with fabulous gardens which proves how sheltered this coast is in Cornwall and many are overflowing with collections of Cornish rhododendrons, camellias and magnolias. We can start with Hidden Valley Gardens, Near Par. These gardens won the Cornwall Tourism Silver award 2010 for small visitor attraction. Tregrehan is a large woodland garden and is home to the Carlyon family since 1565. The Pinetum Park and Pine Lodge Gardens, Near St. Austell is a 30-acre paradise with over 6000 labelled plants. Ray and Shirley Clemo travelled the world collecting seeds and plants for this garden and a pair of black swans have made it their home.

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The Lost Gardens of Heligan at Pentewan have been voted Britain’s finest garden and has scooped the title in the Countryfile Magazine Awards 2011. Celebrating 21years since Heligan’s Lost Gardens were discovered, this beauty provides 200 acres to explore. Discover the Northern Garden, the Jungle, the Wider Estate and the Horsemoor Hide and Wildlife Project.Next on our list would be Caerhays Castle Gardens which is situated in a valley above Porthluney Cove. A horticultural treasure covering 100 acres of woodland gardens and holder of the National Magnolia Collection. Lamorran at St. Mawes is a Mediterranean-style garden with sea views over Falmouth Bay. History says that it is the most Northerly Palm Garden in the world. From Lamorran you can see the lighthouse at St. Anthony’s Head. St. Just in Roseland has a 13th century church and is set in a sheltered sub-tropical riverside garden filled with magnolias, azaleas, bamboos and giant gunnera. Trelissick Garden at Feock was planted 200 years ago and has views down the Falmouth estuary. It has year-round plant colour, an orchard, woodland walks and an art and crafts gallery. In the autumn 300 varieties of apples will be on display in the Georgian stables. Enys Gardens at Penryn is one of Cornwall’s oldest gardens dating back to 1709. Penjerrick at Budock Water is unspoilt with historic and botanic interest; relax among tree ferns and hidden paths.Moving on down the coast to Mawnan Smith is Trebah and Carwinion, these are gardens with great historic interest. Trebah is on the North bank of the Helford River and in this garden you can wander among giant tree ferns and palms. Carwinion has a renowned collection of bamboo and has 14 acres of tranquil gardens. Glendurgan lies in a sub-tropical valley running down to the Helford River. Have fun in the 180 year-old cherry laurel maze and wander through the garden and down to the hamlet of Durgan. Potager is a new organic garden and is close to Constantine, five miles from Falmouth.Down the coast further to Cornwall’s Lizard Peninsula, Bonython Estate Gardens has an 18th century Walled Garden, a potager garden, an orchard of Cornish variety apple trees and woodlands. Bosahan at Manaccan is again close to the Helford River enjoying the Cornish microclimate and described as “the most Cornish of all Cornish gardens” in The Gardener magazine in 1909! Trevarno Gardens are the ‘Jewel in the Crown’ of their estate with a magnificent 70 acres. Several interesting features include a Serptentine Yew Tunnel and the production of organic skincare products and soaps. Carleen Subtropical Gardens are open by appointment only and are home to collections from South America, Mexico, Central and South Asia, Australia, New Zealand, Southern USA and the Mediterranean. The Hardy Exotics Garden Nursery at Whitecross, Near Penzance can create “Barbados in Birmingham” – “Mauritius in Manchester” and “Hawaii in Hertford”.Now we come to the beautiful St. Michaels Mount, walk across the causeway at low tide or travel by boat at other times. These gardens are steep but thrive in the shelter of the granite cliffs and you will find exotics from Mexico, Canary Islands and South Africa. Tremenheere Sculpture Gardens is a wonderful valley setting with St. Michaels Mount in the background. The National Trust owns Trengwainton and this historic garden is home to banana plants and enormous echiums. Finally in this part of Cornwall is Penberth which has 5 acres and is a natural valley garden incorporating sea views.Now we move on to North Cornwall which is a more rugged coast fronting the Atlantic. Our first port of call is the Japanese Garden and Bonsai Nursery in the beautiful Lanherne Valley at St. Mawgan. Just 1.5 acres but includes Water Gardens, Stroll Garden and a Zen Garden inspired by the East. Moving on up the Coast to Padstow we find Prideaux Place that has 40 acres of landscaped grounds and a deer park overlooking the Padstow estuary and the River Camel. Last but not least on this coast is Longcross Victorian Garden at Trelights, Port Isaac. This is 4 acres and gives a fine example of coastal gardening and hedging with views towards Port Isaac and Port Quin.Cornwall has some more fine gardens that are a bit more inland than the others we have mentioned before but when you are in Cornwall you are never more than sixteen miles away from the coast at any time.The 4 acres at Ken-Caro, Nr. Liskeard is another garden with a woodland walk, magnolias and rhododendrons, small but beautiful and set high above Bicton Manor Woods. Another one in the same area is Moyclare established in 1927 in 1 acre and arranged around the house. The broom “Moyclare Pink” and the astrantia “Moira Reid” originated in this garden. Pencarrow is a garden of 50 acres and this is where the Monkey Puzzle tree got its name. In this garden you can even walk on the grass! If you like one of the plants you will probably be able to buy a cutting from it. At Pinsla Garden, Cardinham there is something for everyone, an idyllic haven, and a hideaway full of secret paths with hazel arch and fantasy garden created by garden artists.Moving on once again to the National Trust owned Lanhydrock, a garden for walkers and a historical garden that has a woodland of 1000 acres. Boconnoc at Lostwithiel bas a beautiful spring garden and has camellias and azaleas from the 1850 original planting. These gardens are only open for the Spring Flower Show and Sunday afternoons during May. Trewithin close to Grampound means ‘house of the trees’ and has 30 acres of woodland gardens and more than 200 acres of surrounding parkland. The horticulturalist George Johnstone, who inherited the house in 1904, cultivated many of the seeds that came from abroad thus ensuring the reputation that Trewithin has today. Trewithin is an unforgettable garden gem.Next is the Eden Project close to St. Austell which is the newest of all our Cornish gardens. Created from a disused china clay pit in the year 2000 and the site opened on 17th March 2001. Two Biomes, one Tropical and the other Mediterranean are both constructed from a tubular steel space-frame clad in thermoplastic ETFE. At Eden you can travel around the world in a day!

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At Bosvigo on the outskirts of Truro an awkward wing of the house was demolished and using stone from the house the walled garden was created. This left a 100-year-old Victorian Conservatory standing. All the plants that are for sale in this nursery are growing in the Gardens. Burncoose at Gwennap is a 30 acre woodland garden and has achieved gold medal displays at Chelsea and Hampton Court flower shows. The Nursery stocks a wide range of shrubs and herbaceous plants. Back up the coast we find Trerice, three miles from Newquay, which is a 6 acre garden but there is still space to find seclusion at any time of the year. The National Trust has owned this garden since 1953.Finally, we cross the water and arrive on the beautiful Isles of Scilly and then head for the Abbey Gardens on Tresco. This amazing sub-tropical garden is home to species of plants and trees from 80 countries ranging from Brazil to New Zealand and Burma to South Africa. The building of tall windbreaks ensures any inclement weather is forced up and over the walled enclosure. The terraces at the top are hotter and drier than the ones below which give more humidity. In 1990 hurricane force winds created dreadful damage to the shelter belts and the loss of many plants but the shelter belts and garden are now restored and looking ‘better than ever’. This is one that you should not miss.Many Cornish gardens belong to the National Gardens Scheme who publishes The Yellow Book each year which is a guide or ‘bible’ to garden visiting. Most of these gardens are privately owned and only open on specific days.Lots of our gardens have tremendous interest in the Autumn such as Ellis Gardens at Polyphant, Wave Cottage at Lerryn, Half Acre at Boscastle, Primrose Farm at Skinners Bottom and Kennall House at Ponsanooth. The Homestead close to Helston is 7.5 acres and has a Wildflower Wood with over 1000 trees and a further 800 trees for a shelter and wildlife habitat.There are of course many more gardens in Cornwall, many of them small but beautiful and a lot of our gardens are Dog Friendly. So don’t leave part of the family at home, bring them along as well. It would be wise to check first with the garden you are intending to visit just to make sure that it is ‘dog friendly’. Some of our Cornish gardens are more accessible than others so again if part of your group is less agile check with the garden to make sure you will enjoy your visit.For more information on our Cornish Gardens most of them have their own website which will give you opening days and times, how to get there, what facilities are available and ticket costs.

Eight Tips For Launching Your Real Estate Investing Career

October 21, 2016

Eight Tips for Getting Started in Real Estate InvestingIntroductionThis article is just the basics for getting started in real estate investing. This is not a how to article but an article that gives you some information about things to do to get started. Everything in this article is tools that can be applied to helping anyone get started in real estate investing. I am going to give you my eight keys to getting started. Nothing is right or wrong but reflects the point of view of the author. Laws and legal practices vary from state to state, and laws can change over time. The author does not vouch for the legality of his opinions, nor is there any intent to supply legal advice. The author strongly encourages the reader to consult with professionals and an attorney prior to entering in any real estate transaction or contract. The author is not a writer but he is a real estate investor. There will be grammar mistakes and errors, so don’t be too critical of the grammar but focus your energy on what is being said. With that said prepare yourself to think a little differently and expand your mind. Let’s get started on an amazing adventure.The Eight Tips are as follows1. Desire
2. Goal Setting
3. Learning What To Do
4. Attending a Real Estate Investing Seminar
5. The Billings Montana Market
6. Finding a Mentor
7. Your Real Estate Team
8. Just Do IT1. DesireBefore we get in to the bolts and nails of real estate investing in I want to talk to you about desire. If you are going to be successful at anything in life including real estate investing you have to have the desire to do it. Desire is defined as longing or craving, as for something that brings satisfaction or enjoyment. Desire stresses the strength of feeling and often implies strong intention or aim. In real estate investing if you don’t have a desire to learn and grow as a human being and really get satisfaction out of it, then real estate investing is going to be hard to do. When I go out and look at a property it brings me a lot of enjoyment. Every aspect brings me joy from talking to home owners, figuring out how I can make a deal work, to buying the house and to finding a good homeowner or tenant for the house. Real estate investing may not be for everyone but real estate investing can offer anyone the financial freedom we all crave for. If you do not have the desire for real estate investing that is ok, it can still help you to live your dreams and help you to get where you want to go in the future.Why is real estate investing an amazing avenue for anyone to live out all of their dreams? Let me ask you a few questions. Do you have enough money to do anything you want? Do you have everything you want? No debt? A nice house? Great Marriage? The freedom to do anything regardless of how much it costs and the time it takes? If you have all of these things then you are one of the few people in America who does. Most people may be working fifty hours a week and making just enough to pay their bills. In today’s day and age most people are living pay check to pay check never really knowing if they will make enough to pay the bills that just keep piling up. If you cannot keep up with your monthly bills how are you going to plan for retirement or send your kids to college or have time to enjoy life. The answer to all of these questions is becoming financially free. Now it’s not going to be easy everyone will have to get off the couch and out of their comfort zone. Real estate is proven to be one of the fastest ways to get your out of the rat race of the nine to five and begin living the life you deserve to live. Everyone wants something different out of their life. Some dream of traveling the world, spending more time with family, volunteering, golfing, laying on a beach, giving back to the community, or anything that will make them happy. There are thousands of things that make people happy.Making it in real estate takes a person who has a strong desire to change their lives for the better and think big. Anyone can become a great real estate investor. It is going to take a lot of work and can be a struggle at times but in the end it will be the most amazing feeling ever. The people that make it in real estate investing all have a few things in common. First they run their real estate investing business like any other business out there. Second they get out there and network with anyone and everyone. Some people might be like me and have a hard time talking to other people. If you are that is ok, anyone can learn how to become a people person, it just takes hard daily work. You have to push yourself past your comfort zone. The third thing is that you cannot be afraid to fail. Everyone has failed at something but the most successful people out their learn from their failures. The fourth thing is that you have to put a good team together. I will go into putting a team together in a later chapter. The concept of putting a team together is so that when you don’t know something you have team members that know what to do and can help you with questions. The can also make sure that you are not working yourself to death. You do not want to be the person doing everything in your business. Doing everything is a receipt for failure. You have to put together good people who you can trust and rely on. The fifth thing is that you need a mentor. Sixth and final is the desire to do it. No one can become successful at something if they don’t want to do it and don’t get satisfaction out of what they are doing.2. Setting GoalsHaving goals is one of the most important aspects of achieving what you want in life. You don’t want to just have your goals up in your head you want to write them down and past what you have wrote on the wall somewhere or in the bathroom mirror. You want to review your goals daily and read them out loud to yourself. This way you remind yourself everyday why you are building your business.How should you start to write down you goals? First off you should think big, and by big I mean HUGE. If your goals are too small you will easily achieve them and have nothing else to look forward too. You should start off by asking yourself the question if I had all the money and time in the world what would I do, what would I buy, how would I spend my time, and how would I spend my energy. Are you starting to write these down? Well you should be. Think about what you want, spending time with family, traveling the world, the best cars, a castle, owning a small country, running for president, having the biggest real estate investing business in your area or in the country. Whatever your dreams and what you want out of your life, write it down. Some of my goals are becoming free, traveling the world, having a Ferrari, having 10 vacation homes all over the world. Right now I am just trying to get you out of your comfort zone of thinking and let your imagination run.

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There are several ways to set goals. I have learned a lot of ways you can set you goals and there is no right or wrong way. The best ways that I have found to set your goals is to break them up into two categories. First your short term goals. This should be goals from a month out to around a year. The second is your long term goals these goals are you think big goals and what you see for your future.For year one I like to first make a list of what I want to achieve this year and I will give you an example of how to do that. For year one you want to be very specific first you want to list what you want your income to be at the end of the year, next how much cash in the bank you want (this is money in your checking account, not assets). Next you want to list how much you are going to give. Giving is a very important, this can be giving to charity, giving of gifts to friends and family, giving to your school or anything you can dream of. As long as what you give brings joy to others who need it more than you. Next list what bad habits you have that you want to eliminate. Weather is be quitting smoking, spending too much on junk, drinking too much, working too much, not spending enough time with family, too much TV, not exercising and many more. We all have bad habits that need to be changed in order for use to grow as human beings. Under each of these bad habits list out some steps that you can take in order to quit them. If you bad habit is being lazy and not exercising enough what can you do to change that. Well you can get a gym membership or a home work out program. Commit yourself you following through with a plan to work out 3-5 days a week. For you to change these bad habits you have to be totally committed and follow through with a detailed plan you set for yourself. After you have your plans in place you should start listing several things you want to achieve or do in the next year. This can be start a successful business, spend time with family, travel to 2-5 places and so on. Now under each of these you should also write a detailed plan on what you need and what you need to do in order to achieve these goals. Finally you should take all of this information you have a write on page on what you see your life being over the next year. Doing this is a great exercise to really see what you want out of life.Goals Year OneThis is what I am going To Do This Year
Income: $500,000
Cash: $100,000
Give: $20,000Bad Habits that will be changes:Over Sleeping 1. Go to bed at 11 p.m. 2. Use a timer and set it for 8 hours 3. Set the timer on the other side of the roomBuying things that you don’t need: 1. Going out shopping less 2. If you have the urge to buy something think to yourself is thing item going to help me to achieve my goals of becoming financially free? 3. Tell friends what you are doing, so they can help to stop you.What I want to Achieve:Start a successful Real Estate Investing Business: (you should write a detailed step by step plan of everything you need in order to achieve your goal)Travel: Where do I want to visit? 1. Gators football game (what I need to do it, money, etc)And last your own page about what you want to achieve using words like I will and only positive words.For long term goals you don’t need to be as specific right now, but you should list them and under them list a few steps or smaller goals that need to be achieved before you are able to achieve them. With the long term goals always think big. Another good exercise for long term goals is to make a collage of you goals. Put pictures of the house you want on it, places you want to travel, a picture of your family, a number of what income you want in or anything you can think of.3. LearnKnowledge builds confidence and destroys fear. If you are starting any kind of business you need to learn the ins and outs of that business. The best way I have found to learn about real estate investing is to read all about it. But once you know it you have to apply what you have learned. Learning and reading is just one step to take. There are thousands of books on the market about real estate investing and everyone has something you can learn from. You don’t just want to read real estate investing books though. You also want to fill yourself with motivational and leadership books. Every successful person that I know if a reader and they all spend at least thirty minutes a day reading something that will teach them about improving their business or helping themselves to become a better person. Some of the best books that I would recommend reading are listed below.1. Rich Dad Poor Dad by Robert Kiyosaki (read this first and also ready everything in the rick dad poor dad series, great books to start with and will expand you mind)
2. Be a Real Estate Millionaire by Dean Graziosi
3. Flip your way to financial freedom by Preston Ely (this is an E-Book)
4. Four hour work week by Timothy Ferriss
5. The Attractor Factor
6. Short Sale Pre-foreclosure Investing by Dwan Bent-twyford and Sharon Sestrepo
7. Keys to success, by Napoleon Hill
8. Think and Grow Rich by Napoleon Hill
9. How to win friends and influence people
10. Any Book by John C. Maxwell (he has tons of amazing leadership books)
11. Getting Started in Real Estate Day Trading by Larry Goins
12. The E Myth by Michael Gerber
13. How to be a quick turn real estate millionaire by Ron Legrand
14. The Power of Full Engagement
15. The It Factor
16. Anything by Anthony RobinsThere are tons more you can read but these will give you a great start. You should also read books on negotiating, sales, motivation, and biographies on American business people.I hope this list gives you the knowledge it has given me. If you learn and apply what you have learned from these books there is no reason that you should not become very successful.4. Attend a Real Estate Investing SeminarAttending a Real Estate Investing Seminar can be one of the best places to learn about real estate investing from some very well known experts. There are several seminars going on all over the country every weekend. If you live in a big city it will be very easy to find one. If you live in a town like Billings Montana you might need to travel a little ways to find one. Now most of the best meeting cost money to attend them. Some range from five hundred dollars for three days and some can be up to $20,000. There are a few that I would recommend. Than Merrill is a great speaker to go hear. I have learned a ton from him. You can find his company online by Google searching him. Also rich dad poor dad has seminars all over the country. I attended one of their seminars in Billings Montana for only $500 dollars and learned a ton from it. There is also Preston Ely, Larry Goins, and hundreds of speakers out there. If you find a great book that you really enjoyed, then just simple search for that person online and see if they are speaking somewhere or offer a seminar close to you.Another reason I recommend going to a seminar is because they get you pumped up and motivated. I have not yet found anything else that just gets you feeling like you can do anything. When you get back from one of these seminars you will have tons of energy and knowledge. Every time I get back from one all I want to do is going out and do a deal or ten.These seminars will also provide you with several opportunities to purchase amazing real estate investing tools, software or learning material at a fraction of the cost. Believe me when I tell you all of the low priced seminars try to sell you something. But a lot of times what they are trying to sell is some really good stuff.Another reason to attend a seminar is to network with other investors and build relationships with them. You can meet other investors who you can partner with on a deal, sell a deal too, people who will provide you with deals and so on. You should have hundreds of business cards made up and try to give them all out. You never know how much one business card you hand out can make you.5. Learn About the real estate market in your areaMost real estate investors start their career off my investing around where they live. This is why I do my real estate investing in Billings Montana. You can venture out when you have more experience. The reason behind this is because we feel more comfortable with the areas and know the areas better. It is also easier to get local real estate information that we need. Investing in your local market is also cheaper to start out, there is less travel costs, you can see what you are buying and it may give you a feeling a comfort.First you have to decide which part of town is the best place to invest in. This can be determined by what kind of real estate investing you choose to do. I have not gone over the types of real estate investing but some include rehabbing (fixing up and selling), wholesaling (finding deals and selling them to other investors), buying to rent, and there are a few others. These are the real estate strategies that I use for the most part. When looking at the market you need to see where other investors are buying their houses. Most of the best deals will be found in low to middle class neighbors hoods. By low I don’t mean drug infested war zones, what I mean is blue collar safe neighbor hoods that might have somewhat older houses and houses that are not on the higher end price side. Now you can find deals in the higher priced neighbor hoods but most will be in the low to middle income neighborhoods. When looking where others are buying ask local realtors, other investors or appraisers.When talking with investors ask them several questions such as what neighborhoods they prefer, what type of houses they buy (3 bed 2 bath), and what they do (rehab, rent, wholesale). You should not look at other investors as competition but try and work with them.There are different types of markets such as appreciating markets, flat markets, and deprecating markets. Appreciating markets are markets that there is no enough houses or a very high demand for houses which causes the price of houses to go up. The reason there is a high demand for housing can be because of job growth, a very appealing area, or several reason. Flat markets are markets that have no or very little growth. This means that there is not a lot of demand; buy just enough to fill every ones needs. Depreciating markets are where there is a lot more houses than people to fill those house. This causes house prices to start going down. This can be because of a large employer leaving the area, a natural disaster or just over building. There is an old saying buy in a bust and sell in a boom. In depreciating markets you can pick up several deals, while in appreciating the house prices are going to be much higher and harder to find great deals. The deal will still be out there you just have to know where to find them.Learning your market is another key to becoming successful. Real estate Brokers and experts in your area can be the best source of information for you. Learn to use them to find out what kind of market you are in. If you are in Billings Montana we are in a pretty stable market. Billings Montana has not seen the ups and downs that other markets have experienced. I will have to say that I have been noticing a little bit of a downward trend but not much. Once the first time home buyer credit is over with we might see a little more decline. Every market can vary by neighborhood, so make sure you know you market well. I have seen the same houses just one mile apart selling for totally different prices.

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6. Find a MentorHaving a mentor to help you can be your biggest learning experience. Mentors can help you with any questions you may have, walk you step by step through the investing process, give you moral support, you learn from their proven system, and also network you with others in the business. Every successful real estate investor that I know says they owe a lot of their success to the mentors they have and had in their lives. I have had one of the best mentors around, my father. He is teaching me something new every day and pushing me to become successful.When trying to find a mentor I would suggest network with the investors at your local real estate investors club meeting. There is a real estate investing club in Billings Montana that meets once a month. You can find information about real estate investing clubs in your area by searching for REA or real estate investors club then your area in Google. When you go to the meetings ask around who the biggest investors are. Then ask if you could get together with them sometime and discuss real estate investing. Ask them if they would consider working with you to get their career going. Offer your services as a bird dog. Bird dogs are people who go out find deals or leads about deals and give them to other investors. A bird dog gets from $500 to $3000 dollars depending on the deal. Make sure that you have a bird dog contract signed with the investors saying that if you find them and deal and they buy it that you get paid a certain amount of money. Being a bird dog helps you to build credibility with the investor and they are more likely to mentor you if you have something to offer them. If you would like to contact me with a question go to my web site Big Sky Property Solutions LLC.7. Your Real Estate TeamBuilding an effective team can make your life as a real estate investor a lot easier. You are only one person and cannot do everything or be an expert in every aspect of real estate investing. Going at a project alone can become one of the most frustrating experiences you will ever encounter. Many people have become frustrated and quite real estate investing because they try and juggle too many things. Make sure that when putting a team together you provide everyone with win-win opportunities. When someone knows that working with you is going to make them money they will put you as a higher priority on their list. But you have to prove it to them that you are the real deal.
People to have on your real estate investing team includeo Real Estate Agents ( find the top agent for volume of sales in your area and other agents who work with real estate investors)
o Real Estate appraisers (find an appraiser that has done a few hundred jobs or more and make sure they carry errors and omissions insurance)
o Real estate contractors (good rehab crews that can get the job done in a timely manner, have 3-5 crews and on every deal get 3 estimates done. Ask for referrals from them and make sure they are licensed)
o Real estate attorneys (every investor needs an attorney, they can help to protect your assets, make sure you find one that works with investors)
o A property management company (can manage your properties and will give you leads on property they are managing that might come up for sale)
o Title companies (take care of the legal process and make sure there are no liens against the property you are buying, choose one that does hundreds of closings a year)
o Home inspectors(charge about $400 but will give you a great inspection and could save you thousands in the long run)
o And your MentorAll of these people can help you in various aspects of real estate investing. You might find that there are a couple others that are keys to your business but this is just a list of a few.8. Just Do itThere is no better phrase out there then JUST DO IT! Once you have learned all you can networked with investors in Billings and learned real estate investing strategies there is nothing left to do but get your feet wet. There is no better learning tool out there then doing a deal. Once you have completed that first deal you will know what to expect and find out that it is not as hard as you thought it would be. You will have learned what you did right and what was frustrating. Take that experience and ask yourself what would have made it run smoother. Apply that to your next deal. Then the next deal will be easier and it keeps getting easier as you go. I will say that every deal is different from the last but that what makes this business fun. You have to be creative and always keep on learning and growing with your business.The average person never uses what they learn. Don’t be average apply your knowledge. When going out and doing your first deal act like you have done 1000′s of deals. The fastest way to change a habit is to act like it is true.Five keys for success
1. Specialized Knowledge
2. Tools of a professional
3. Have the mindset of a winner
4. Mentors
5. Money and the knowledge of leveraging it (you don’t have to have millions to invest in real estate, there are many strategies out there to use other people’s money, or no money at all)This is going to conclude this article about getting started in real estate investing. I hope this gave you some ideas about how you can get started. I didn’t give you any strategies at this point but look for some in upcoming articles. These are simple steps you can use to get started. If you read this article thank you for listening.

Modern Electronic Gadgets and Their Advantages

August 22, 2016

Today, no one can imagine a life without the electronic gadgets. These gadgets have so many uses and perform several functions. Often these gadgets are available in different and latest designs. There is a wide variety of gadgets including smart phones, music players, home appliances and more. These gadgets work with technology and are quick in their working. Most of them are easy to use and clean. The ease of using these gadgets, make us dependent on them. Most of the times, we feel helpless without these gadgets.Some indispensable home appliances include fans, Air conditioners, vacuum cleaners and more, without which we cannot imagine our lives today. With the advancement in technology, several new gadgets have entered into the market, which has made human being’s work much easier than before. Owing to this, modern gadgets have become a part and parcel of our lives and we can’t think of living without them for even a day.

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Benefits of Modern GadgetsThere are endless benefits that a gadget can offer to us. Usually gadgets are compact in size and can be easily brought at home. For example a coffee machine has a compact design which can fit any kitchen space. Moreover it also helps you make a number of coffee cups in minutes without having to stand. There are several other gadgets which also perform great and are designed to assist people and make their work easier.Where to shop for Modern GadgetsYou can shop great electronic gadget at online stores. The online stores usually offer a wide variety of electronic gadgets as compared to the local stores. The price online is also less as compared to the retail stores and you can save a lot of money. Besides saving a lot of money you also save time as you can simply order your gadgets online and instantly move to other important things.Gadgets reviews are available onlineBefore buying a gadget online you should do an online research first. You should read about the product reviews before purchasing it online. Various online websites offer reviews on the latest gadgets available. Exact product description and specifications are mentioned on the website which let the customers know about the product and make a wise choice.How to shop online for Modern GadgetsOnline shopping is a very easy process. You just need to browse a website to look for a gadget you require. Enter the name of the gadget into the search engine you will see a list of gadgets stores that sell gadgets. Every store has a different selection of the gadgets. You should look at different gadget stores before making a choice.Convenience in online shoppingOnline shopping is a convenient option when it comes to buying electronic gadgets. You can make a research by browsing different online electronic stores. All kinds of gadgets are available online at very low prices. You can easily compare prices offered by different online gadget stores. The advance innovation of search engine lets you check prices and compare with just a few clicks. Moreover, online stores also give you the freedom to determine which online store offers the best quality gadget at the most affordable item.

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Online shopping has become a popular shopping method ever since the internet users have increased. There are a number of customers looking for convenient online shopping ways and online shopping gives you an easy access to a wide variety of gadgets. There is a reason why online stores are becoming popular these days and improving every single day. Advantages of online shopping are an additional knowledge for all the online shoppers that are useful before shopping online.