Need Help With Your Organic Garden? Try These Tips!

Organic gardening is also cheap for the most part. Here are some strategies to aid you in becoming a successful organic gardener. Organic Gardening

Try to put an aspirin in the water for fighting plant diseases. Dissolve 1 aspirin (1.5 pills per gallon of water for a bucket and administer to your plants. You can easily spray this concoction to help them to fight of disease. Try to apply the mixture to the plants with this around every three week period.

It is simple to prepare your garden for perennial garden. Use your spade to slice chunks of turf up, then flip each piece over, then spread the area with approximately three inches of wood chips. Let this sit for a couple weeks, then turn the earth and set up your new perennial bed.

Have plastic bags on hand that you can put over your muddy gardening shoes if they are muddy.

Pine is a great source of mulch. Cover soil beds with a few inches of pine needles, they will release acid into the soil and nourish your plants.

Add used coffee grounds to your garden’s soil. Coffee grounds are full of nutrients that plants need.

Don’t let all the little chores in your organic gardening tasks stack up for very long. Even if you are too busy to tend to your gardens needs every day, do small tasks that will help you avoid having to do large tasks when you finally do have time. For example, while your canine is outside going to the toilet, such as when you take your dog out for a potty break.

Use an old laundry basket to help you collect your produce. The basket will make a makeshift strainer for the fruits and vegetables.

Do you prefer to eliminate weeds naturally? You need many layers of newspapers.Weeds must have sunlight to grow. The layers of newspaper will block sunlight and weeds won’t be able to grow. Newspapers break down into compost nicely. You can then add a mulch to make them look more attractive if you like!

Organic gardening is more difficult than gardening with chemicals, but the payoff in the end is well worth the work. Chemicals are extremely efficient, but a chemical free organic garden will always produce the best results.

Adjust your watering to the season and current climate. For instance, if you are in a warm and humid climate, humid climate watering the leaves can cause leaf fungus.

You may be able to skip watering for an entire day if rain is on the pending weather.

The bulbs are ripe for harvesting when the tops turn brown.

When you are purchasing tomato seedlings for your organic garden, look at the roots as well as the green parts. These starts will stick to the seedlings for quite some time, hindering the growth of the seedling as long as they are present.

Utilize the advice provided here, and you will soon be on your way to having a flourishing organic garden that is both healthy and free of pollutants. When you are organic gardening and working with nature, you will also see a lot of wildlife coming to visit!

Is one of your goals to earn more money this year?

Do you ever feel trapped in a job you don’t find rewarding? The key to living a more fulfilling life is to go after your passions. Being someone’s employee often requires you to put these passions aside so you can work towards their vision – not yours!

Becoming an entrepreneur is not for everyone. There are many obstacles between you and your dreams, including coming up with the willpower to get started on your project, finding the confidence to get through multiple mishaps, and devoting many hours of hard work to building your vision.

Being an entrepreneur is hard work and can be disheartening at times – but owning your business can be a very fulfilling and freeing experience.

Follow these steps to follow your passions through your own business:

  1. Find your calling. You could base your business on a talent you have, a hobby you love, or your desire to make a difference in people’s lives.

* There is a popular belief that it takes 10,000 hours of work before one can be considered an expert in any field. This belief may not be true, but it shows that expertise requires time and hard work.

  1. Register your business and apply for necessary licenses. Registering your home business is a very simple process.

* All you need to do is register your business name through the U.S. Small Business Administration and apply for a tax ID.

* You will also have to register your business through state agencies. Applying for licenses is necessary if your field is regulated – for instance, if you prepare food, work with dangerous chemicals, or provide services that require special qualifications such as legal advice or accounting.

  1. Create your business plan. Creating a business plan is a systematic process that provides a blueprint for your business and will help you obtain funding for your project.

* Start by explaining what the purpose of your business is and how you’ll achieve it.

* Explain what kind of products you want to sell or list the services you’ll be providing.

* Define your target audience in as many details as possible.

* Create an outline for your marketing strategy and include your expected prices as well as how much profit you expect to generate.

  1. Explore your financing options. Go over your budget and business plan carefully to assess how much money you require.

* Look for investors among your friends and relatives, or angel investors through local business associations. Borrowing money is usually your best option if you cannot find investors for your project.

* The U.S. Small Business Administration is a great place to get started with financing, but you could also contact your financial institution to learn more about the business loans they offer.

  1. Get to work! Becoming a successful home business owner requires time, hard work, and real dedication.

* Besides spending some time on developing your products or services, promoting your business, and providing excellent customer service, it’s also important to work on acquiring more skills that will help you become a better business owner.

* Divide the large goals from your business plan into smaller goals you can accomplish on a weekly or daily basis. This division will also help you assess your progress.

* Keep in mind that your goals might have to shift if your market changes.

The best way to launch your business and achieve financial stability is to put together a detailed plan with a series of small, manageable steps that will lead you to your goals. Use these five steps as a broad template for your project and add any additional steps that are relevant to your business.

We’ll keep adding new ways to this page so go ahead and bookmark it. And please do share your own ideas in the comments!

8 Ways to Save Money on Family Road Trips

The family road trip can be a great experience, but it can easily go over your budget. It’s important to plan ahead so you can save money on your trip.

Road trips can be economical if you follow several important tips:  8 Money-Saving Tips

1. Carefully plan everything at home. It’s easier to plan ahead than to come up with last-minute solutions on the road.

* You can find a variety of deals online, make phone calls, and compare rates. Book your arrangements ahead of time so you can actually use your vacation to relax.

2. Compare gas prices. Gas prices often fluctuate from one area to the next.

* Use apps and websites to see the gas prices along your route. You can compare gas stations and read reviews.

3. Reduce the cost of food. Fast food is convenient, but the cost can quickly add up during a road trip. You may want to bring your own snacks and meals.

* Consider getting a large cooler with ice to pack food and beverages. Your cooler may hold enough food for a couple of days, but in most cases you’ll still want to eat out sometimes. This is another opportunity to do research ahead and find the most economical restaurants.

* Restaurants aren’t the only option. You can also make pit stops at grocery stores to fill up your cooler with more snacks and meals.

4. Check twice to ensure you’ve packed essentials. Did you remember to bring all of your medication and other medical supplies? You can save money by avoiding a trip to a pharmacy.

* Do you have enough clothes and shoes for everyone? Are you prepared for emergencies? Avoid having to shop for a new pair of sneakers during the road trip because your child’s feet are cold.

5. Check out free events and attractions. You’ll find that many museums, events, and other places have free admission. You can add these to your plan as you put together your list.

6. Carefully check your car before you leave. Inflate your tires to the pressure that’s recommended in the car’s manual to maximize gas usage. Also, consider the car’s weight. Heavier cars burn more gas, so just pack the essentials and avoid bringing unnecessary items.

* You can avoid costly roadside assistance and towing by doing recommended maintenance that you know will be needed soon. Do you need an oil change or minor repairs? Do them before you leave on your trip!

7. Find flexible cancelation policies. Are you making reservations ahead of time? Road trips can be eventful, and the best plans cannot prevent all possible emergencies.

* Search for hotels and restaurants with flexible cancelation policies to avoid adding extra costs to your trip. If you’re late and miss a reservation, some businesses charge you.

8. Look for coupons and additional discounts along the way. These money-saving items can reduce the cost of your trip.

* Coupons and discounts may be available from hotels, restaurants, and other places. Museums and shops may also offer them along your route. Stock up on additional savings.

Road trips can stay under a budget with the right plans. If you consider the costs of common items that occur during a trip, you can save money.

7 Hidden Benefits of Using a Credit Card

Credit cards come with several hidden benefits. Are you aware of some of the perks of using your card? Credit card companies offer multiple perks to help you get the most out of your card.

Check the terms of your credit cards for these benefits: Credit Card Benefits

1. Roadside assistance. Did you know credit cards often offer roadside assistance that is similar to AAA?

* This perk varies greatly based on your credit card provider. Companies either offer free service or a paid service. You’ll have to carefully check the policies as you sign up for this perk.

* If you’re stranded and need help, roadside assistance can come rescue you.

2. Longer warranties. Did you purchase an appliance or electronic device with your favorite credit card? Your credit card may extend your warranties.

3. Protection from cancelations. Did you miss your concert or play? Credit card companies can refund the money you spent on tickets. However, you have to use the card to make the initial purchase.

* Even if it’s your fault you missed an event, you might still get a refund. This service is only provided by some carriers, so check your card before you claim this benefit.

4. Exclusive access while you travel. The fancy airport lounges can be yours if you have the right card.

* Credit cards can offer you the chance to stay in the best airport lounges and hotels, at no extra charge. These exclusive offers vary greatly based on your card, but many of them will grant you special access. Enjoy a unique cocktail or appetizer while you wait for your next flight.

5. Extra help while you travel. The lounges are not the only travel benefit. If you have an emergency while you’re traveling, credit cards can help you. They offer services such as insurance to help you if your luggage disappears or your phone is lost.

* Companies can offer assistance in several ways. They may replace the luggage or send you money so you can replace it yourself. They may also help you track down the luggage.

6. Replacing stolen items. Was an item you purchased stolen?

* If one of your purchases is stolen, credit cards can help you. As long as you paid for the item with the credit card, you can report it to them. This will vary by provider, so check your card.

* Items that can be replaced vary from electronics to furniture. However, not everything is covered. For example, stolen food isn’t covered by most cards.

7. Help returning items. The sweater you purchased is too pink, and the shoes are too tight. Your credit card can help you return these items.

* If the person or business refuses to take back the items, then the credit card will refund it anyway. This is done within 90 days of the purchase.

* You’ll need to save the receipt and tags to ensure everything is covered.

* Credit cards limit the total amount of money that can be refunded, so extremely expensive items are usually not covered. In addition, some items like food may not be a category that falls into the help section.

Credit card perks are often hidden in the fine print. However, you can benefit greatly by being aware of these benefits.

Basic Tips for Beginners Investing in Real Estate

Investing in real estate can be a challenging process for beginners. However, there are basic tips that make it easier. Real estate is a major investment, so ensure you approach it with care and consideration. Following these tips will help you get started.

Real Estate Investing Tips

Which Investment Method is Right for You?

Most real estate investors choose one of these methods:

1. Buying shares of a Real Estate Investment Trust (REIT)
2. Purchasing actual real estate to rent out or flip

The differences between the two are huge, so this is a big decision.

Investing in a Real Estate Investment Trust

If you select the REIT method, then you’ll be purchasing shares of a portfolio of real estate. REITs have professional managers that select the real estate in the trust. This method is similar to purchasing a mutual fund, where you just invest your money and don’t have anything to do with managing the real estate yourself.

A real estate investment trust can be a good investment. It’s easier to enter the real estate market through REITs. You can buy shares at a level that’s comfortable for you and hold them or sell them whenever you’re ready.

Many REITs also pay dividends monthly or quarterly and offer you the choice to automatically reinvest your dividends into the trust, automatically growing your number of shares until you’re ready to start receiving the dividends to supplement your income.

It’s important to research multiple trusts and compare them before you invest. Study the terms of each trust and how money is added. Has this been a profitable trust? Even though past performance doesn’t guarantee that future profits will be similar, you can see how their investment philosophies and methods have worked out in various real estate environments.

Investing in Actual Real Estate

Buying actual real estate is a large investment. Do you want to buy properties, fix them up, and flip them? Or would you like to hold on to the properties and rent them out?

Have you considered all of the obligations that come with owning extra property? Can you afford additional mortgages and property taxes? What about repairs and maintenance costs of the property?

Investing in homes, businesses, or apartments is a big decision. Plus, these investments are not liquid, like REITs. If you want to get out of the investment, it could take some time to sell the property.

Consider these aspects of buying, managing, and selling properties:

1. Decide if you want to manage your properties. Being a property manager is a challenge, and there are other options. You can hire management companies or individuals to handle the process for you. They’ll be responsible for dealing with the property and potential tenants.

* If you decide to handle the property on your own, be prepared for a time investment, as well as a money investment.

2. Consider potential tenants. Properties that are sold empty will have to be filled.

* What type of tenant is the property most likely to attract? Can you recoup the cost of the mortgage payment each month?

* Make a list of tenant aspects that you favor, such as not having pets or not being a smoker. These requirements will help protect your property and make it easier to choose tenants.

3. Think about the market long-term and the area. Does your property investment show potential growth?

* The area around your property also matters. Are the schools highly ranked? Is the city planning new developments? All of these factors affect the long-term value of your investment.

4. Make spreadsheets for each property you’re considering. Research is the key to making an informed real estate choice.

* A spreadsheet is an easy way to organize your real estate finds. You can create fields for addresses, phone numbers, square feet, yards, rooms, prices and other aspects. You can also add your own feelings to the spreadsheet such as likely to buy or may or may not buy.

* Lining up the properties in a spreadsheet lets you immediately see the winners.

Investing in real estate is a big step. Consider talking to a professional advisor about your options to ensure you’re aware of all the possibilities and downsides. By thinking ahead and carefully planning your investment, you can make more money and avoid headaches.

 

Boost Your Financial Success With Meditation

Meditation and financial success might appear to be in separate worlds, but meditation can be very helpful for dealing with financial pressure and reaching new levels of financial success. Meditation might be the missing link you need to reach your financial objectives. It can be that powerful.

Achieve your financial goals with meditation: Success With Meditation

1. Find a quiet spot and put yourself in a comfortable position you can maintain for at least 30 minutes. A quiet place at home is easiest. With practice, you can learn to meditate on a noisy subway. Find a comfortable seated position.

2. Spend the first few minutes emptying your mind. The easiest way to do this is by placing all of your focus on your breath. Feel the air moving in and out of your chest. Breathe in through your nose and out through your chest. Keep your attention on your breathing.

3. Focus on a financial challenge in your life. Notice the changes in your thinking. Notice the sensations in your body. Your mind might be racing to the future and imagining the worst possible outcome. Your heart and breathing might quicken. The key is to dispassionately observe your reaction.

* Continue observing until everything subsides. The uncomfortable thoughts and feelings in your body will rise and fall. Talk yourself though it. “That’s interesting. My stomach is feeling nauseous and my mind is racing.” “The feelings are starting to go away.”

4. Think about a financial goal. Lots of us have financial goals. Most of us fail to take any real action. Think about a challenging financial goal and repeat the same process above. Notice your feelings and thought processes. Continue until the noise subsides. Make note of the thoughts that arise.

* “I don’t know how to accomplish it.”
* “My ex will take any extra money I earn.”
* “I don’t know enough.”

5. Visualize taking the first step toward that goal. Imagine taking the first logical step toward realizing your financial goal. What thoughts and feelings arise?

* Realize that if all of your thoughts and feelings were positive, you’d be aggressively and enthusiastically pursuing your goal!

* It’s the negative thoughts and feelings that are holding you back. Meditation is an effective way for dealing with these roadblocks.

6. Consider the end. Imagine that you’ve just achieved your goal. How do you feel? What are you thinking? This is important. Even the achievement of an amazing goal might not be 100% positive. Maybe you’re worried about the taxes you’ll owe. Perhaps you’re worried about how your friends and family will react to your success.

* These issues can prevent you from ever attaining the success you desire.
* Continue meditating until the feelings subside.

6. At a later time, sit down and examine the beliefs that might be blocking you from financial success. Remember, if you had effective beliefs, you’d already be knocking your finances out of the park.

* Are the beliefs reasonable?
* How did you develop these beliefs? Who taught you these things?
* Can you put your faith in alternatives that are more supportive of your goals?
* What are the benefits of changing your beliefs?

You’ll find that meditation needs to be done regularly to achieve excellent results. It’s a skill that develops over time.

Meditation isn’t just for Buddhist monks. You can use meditation to make positive changes to your financial life. Apply a little meditation to your financial challenges and goals and boost your financial success.

Common Money Beliefs That Aren’t True

It’s not the things you don’t know, but rather the incorrect things you believe, that cause many of the real challenges in life. A few errors in your thinking can be a detriment to your finances. Enhancing your understanding of money and personal finances is an effective way to get on the path to prosperity. 
Money Beliefs Avoid these money myths:1. Income equals wealth. People that make more have a tendency to spend more. Lottery winners are notorious for losing everything. Many of the families that earn over $1 million per year manage to outspend their income. You can earn a very high income and still live paycheck to paycheck.* Wealth is what’s left over after you’re done spending. The more money you’re able to invest in appreciating and income-producing assets, the more you can expect your wealth to grow. A high income provides opportunity. It doesn’t provide a guarantee.

2. More money equals more happiness / Money has nothing to do with happiness. Studies have consistently shown that more income results in greater levels of happiness to a point. The break-even mark appears to be $75,000 per year.

* If you’re earning less than $75,000, you can expect your feelings of happiness to increase with a greater income.

* If you’re already earning that much or more, more money isn’t going to make you feel any better.

3. Wills are for rich people. Everyone with children or assets needs a will. Unless you want the courts to decide who will raise your children and receive your assets, you need a will. A simple will is only a few hundred dollars. You might even be able to do it yourself for less.

4. Owning is better than renting. From a financial viewpoint, it depends. Mortgage interest is deductible, but it’s still a significant expense. Home ownership also includes property taxes and maintenance. The upside is the potential for appreciation and a place to call your own. Crunch the numbers and decide for yourself.

* Renting is generally advantageous in the short-term.

5. Quality and price go hand-in-hand. There are many examples of this statement being false. Generic drugs are identical to the brand name version and cost much less. Companies price goods and services in order to maximize profit. That means the perceived value affects pricing, not the actual value.

* Many items are priced to accommodate expensive marketing campaigns. The Beats headphones so popular with teenagers are considered by experts to be only worth half the common retail price. In this case, you’re not paying extra for higher quality.

6. An index fund never wins. Over time, index funds outperform the majority of managed funds. More often than not, the lower expenses and turnover rate of an index fund are more important than a professional stock-picker. Take advantage of the ability to match market returns for very little expense.

7. You should never have a credit card. Credit cards are a wonderful invention if used properly. However, credit cards also provide a means to spend money you don’t have. This can be a challenge or a godsend, depending on the circumstances. Credit cards can also help (or damage) your credit.

Are your erroneous beliefs limiting your financial growth? Consider all of your money beliefs and question if they might be incorrect, too. Having accurate beliefs enhances decision-making and results. Avoid buying into the myths.