I have been a small-business owner for approximately two years now. What a ride it’s been! The road to small-business ownership can be a rough and rocky one, but I can tell you that I have learned a great deal along the way. Here, I will share with you the top 7 habits that I have come to believe all new entrepreneurs should cultivate. There are common characteristics of successful entrepreneurs, but these tips focus on action and what you need to do to find success.
My husband and I were joking around the other day that we could save money on our water bill by letting our dogs lick our plates clean when we were done eating. While I certainly do not want my dogs finishing my dinner, it got me thinking about the many ways that our dogs do save us money.
I can’t say that we definitely save more than we spend, because dogs are expensive (although there are still ways to save money on pets). For instance, there’s the cost of buying or adopting a pet, feeding healthy dog food, grooming, toys and health care fees at the vet, just for starters. However, the potential for savings is more than meets the eye.
Yes, I really do have tens of thousands of worms in my kitchen. And no, I’m not trying to get rid of them. That’s because I’m a die-hard fan of vermicomposting, which is the process of using worms to compost food scraps instead of throwing them in the garbage.
Why, you might be wondering, would I do such a gross, disgusting thing in my own kitchen?
Well, that’s the whole point. Unlike using a regular compost bin, let alone trash cans, vermicomposting isn’t gross or smelly. In fact, you can’t even tell the worms are there. Check out the photo; looks kind of like a side table, right?
The $858 billion tax-cut package recently passed by Congress to extend the Bush tax cuts contains incentives that will benefit all Americans. Democrats and Republicans were able to reach a compromise and managed to create a bill that includes various advantages that each party has been advocating. The bill’s financial incentives will provide help to both the employed and unemployed alike, at least in the short term.
Let’s take a look at 5 of the benefits that most Americans should begin seeing immediately in 2011.
“We make a living by what we get. We make a life by what we give.”
-Sir Winston Churchill
Did you know that there are 13 human behaviors that, when we engage in them regularly, can engender happiness with 92% probability?
According to the Human Thriving Foundation, a non-profit group of doctors and scientists who have spent over 15,000 hours studying the subject, engaging in these behaviors on a regular basis can do far more to make us happy than any drug we can take, or material possession we can buy.
The 13 behaviors fall under the following categories:
We all know that the Internet has revolutionized how folks sell their spare stuff for extra income (i.e. selling things online on eBay or Amazon), but did you know it can also help turn your free time into extra income?
So, the winter holidays are finally over with. All those cookies, turkey sandwiches and Christmas cake have been eaten. And now?
Your waistband is feeling a bit tight.
There’s an urban legend that goes around every year which says most people will gain 5 to 10 pounds through the winter holidays. The good news? It’s truly a myth. According to the National Institutes of Health (NIH), most of us gain around one pound.
If you’re anything like me, you’re sick and tired of browsing through those gigantic art posters at places like Target and Michaels. Sure, Klimt’s “The Kiss” and Van Gogh’s “Sunflowers” are great works of art. But it’d be great to have something unique to frugally decorate your home with, right?
I love art, but I’d never walk into a gallery and buy a work of art because the prices are so inflated. Most of the time, the gallery gets at least 40% of whatever the art costs. And museum stores often take 50% or more. So you’re always going to pay way more than you have to at these places.
One of the biggest debates in the investing community is whether the average investor should look for alpha or beta results from his or her portfolio.
What’s the difference? Let’s take a look at each investment style and then you can decide which one best fits your needs.
The Alpha Investor
You’ll often hear active investors refer to their “alpha.” This is basically the amount by which they have exceeded (or underperformed) their benchmark index. For instance, if you invest primarily in US stocks, you might use the S&P 500 index as your benchmark.
If I had to pick a kitchen tool I absolutely couldn’t live without, it wouldn’t be a hard contest.
Hands down, I’d choose my cast-iron skillet. I inherited the skillet from my mom, who inherited it from her mom, who inherited it from her mom. This skillet has made more cornbread than your local Cracker Barrel, and by now, it’s so seasoned that every loaf comes out perfectly crisp and flavorful.
There’s a lot to be said for today’s expensive, high-tech kitchen gadgets. We’ve got colorful avocado slicers, panini presses, vegetable steamers, and food processors. But many of these gadgets are made overseas. They often break long before they should. And some, like our Teflon-coated cookware, might even be leaching dangerous chemicals into our food.