As an “Abundant Life Coach” I get asked about the meaning of “financial abundance” very often. What this means to you can be the difference between living the lifestyle of your dreams, or settling for something less than your dreams. I want you to live the life of your dreams!

Here, then, are 5 Essential Factors of Financial Abundance:

“The Abundant Mindset”

Thousands upon thousands of books, articles, media, programs, and so much more have been produced that discuss the awesome power of our minds, and the influence of our thinking upon our lives. It is difficult to say enough or emphasize enough that truth. As I see it, we are exactly as we think.

In my work, I recommend the adoption of an “Abundant” mindset. This means so much more than finance or money, however, for the purposes of this article, I will discuss abundance only as it applies to the world of money and finance.

A financial abundance mindset means enjoying an abundant amount of money, and yet not allowing greed. Greed does not work (sorry, Gordon Gekko). Of course “financial abundance” will be a relative concept; it will probably mean something different to each person. Greed, however, is fairly obvious; it is almost like knowing (within your mid or heart) the difference between right and wrong.

Further, a financial abundance mindset means having the monetary means or resources to enjoy an abundant lifestyle, yet balancing your financial wealth with philanthropy and generous giving (see point 4). When one’s personal motives are clearly defined and one’s goals are aligned with those motives, then financial abundance becomes clear.

“Specialized Knowledge”

The largest difference between the rich and poor (or the “haves” and “have-nots”) is knowledge. Or, more specifically, the largest difference is a specialized knowledge; meaning that they have the “right” knowledge and also know how to use that knowledge to their advantage. In other words, specialized knowledge is the information or data itself, coupled with the wisdom to know how to use the information or data.

For many, specialized knowledge is an academic education such as medical or law school, while for others this might mean computer programming, aviation repair, or something. Further, many of those with a financial education know how to leverage their own money to make more money. Obviously the point is that specialized knowledge translates to earning ability.

“The Power of Compounding Interest and Investing”

For many people, diligent savings and investment of a consistent percentage of income over considerable lengths of time has lead to financial abundance. I would certainly add that economic factors always play a significant role with regard to risk in investments. Even so, living well within one’s means while investing and saving can very often lead to financial abundance.

“Generous Giving”

Generosity does not necessarily mean giving away or donating money. Mr. Zig Ziglar has said: “If you can dream it, then you can achieve it. You will get all you want in life if you help enough other people get what they want.”

This is so very true. It must be an unwritten law of nature that over time, our generosity is paid back several times over. Of course there are exceptions to every rule, and yet employing an attitude of generosity is always a safe bet for a great return. And, if nothing else, it is an illustration of excellence of character.

“What You Love Over Time”

We should seek ways to turn what we love to do into a good living. I am a firm believer that when we do what we love doing, money very often comes as a byproduct, because our focus is not so much on making money as it is on enjoyment and lifestyle. Over time, money tends to take care of itself in large part when we are doing what we enjoy, especially when it helps others.

In conclusion, the very first point – having an abundant mindset – sums up all of the points I have made in this article. When we do what we love to do; when we are generous and seek to help others; when we live within our means and save money; when we always seek a more specialized knowledge…we then have an abundant mindset, and are bound to realize financial abundance.

Everyone loves music. Music is everywhere, it pervades our world. Everyone knows music has power and importance. But have you ever stopped to consider why? What it is about music that gives it so much power and importance?

Here are seven top reasons:

  1. Music is a universal language. It inspires common human feelings and bridges gaps between cultures that spoken languages cannot. It brings people together and creates universal community.
  2. Music inspires and evokes emotion in a healthy way. It touches our emotional being and evokes moods and feelings that are sometimes difficult to express. It can change a difficult mood and make it happy or excited; it can change a light mood and take it deeper and more profound.
  3. Music enhances learning and makes it more enjoyable. It is scientifically proven that music enhances brain functioning. Playing music uses many brain functions simultaneously: motor control, imagination, hearing, sight, memory, etc.
  4. Music creates ambiance. You can use music in any environment to enhance and augment what is already there. Consider the difference between a party with music and one without, or a sporting event, or a movie, or a romantic restaurant, or driving in your car…
  5. Music is spiritual. Music is of the spirit and inspirational to the spirit. All religions use music to help express spiritual values, and all religions use music to uplift the spirit.
  6. Music sparks the imagination. It invokes mental imagery and inner scenery that opens the mind to amazing insight and spans the distance between the stars.
  7. Music is a simple pleasure. All it takes is your ears and your imagination.

I believe that at the center of the phenomenon of the magic that music creates is the spiritual aspect. Music is a gift from God, a sacred expression of the Universal Life Force Energy that creates us all.

You might be surprised to learn that there are different types of locksmiths around. This is essential especially for those who want a more specialized service. Residential, commercial, automotive and forensics are the types of locksmiths that are accessible although the forensic ones are rare as they usually work with investigative agencies or law enforcement agencies.

Residential

Residential locksmiths are experts when it comes to making the home safe and secure. As most homes have the regular locks installed near window frames, it might compromise the safety of the family. These experts can install a double cylinder lock that needs a key inside for the door to open to give extra security. Aside from this base-knowledge they can also re-key locks as well as have them replaced in such a way that these are not easily tampered. They can also do entry gates, screen doors, sliding as well as emergency services.

Commercial

A commercial locksmith specializes in locks that are manufactured for business purposes. Examples would be installation of panic bars, replacing locks in file cabinets, installation of automatic door closer, safe/vault installation as well as installing a master-key system. Panic bars are especially important as they would provide workers a means to exit the building premises in case of emergencies.

Automotive

Automotive locksmiths are the ones that you go to if you ever need a spare car key or want a replacement when you’ve lost the original car key. These experts can help automotive owners in choosing the right type of car keys that would best suit their needs. Most automotive locksmiths are familiar with transponder car keys and can also do re-programming at a lower price compared to the same service that car dealers offer. Aside from transponders, they can also unlock cars, change or replace ignition locks, provide laser cut keys and even offer lock services for high security vehicles.

Services

In choosing the locksmith that would best suit your need(s), it is important to deal with a company that is licensed and has done background checks on their employees. This is to make sure that the company that you would be transacting with is legal and since some items in the house might be valuable or important documents are inside vaults or safes, one is assured that the person they are dealing with is someone who they can trust. Consider talking with someone who knows a reputable locksmith especially if you’ve just moved in or purchased a new home or office.

The Hotel industry is expanding with every passing day due to the boom in leisure and corporate tourism. Frequency of travel has increased over the past decade, leading the hotels to compete in every manner to attract more guests and give them a comfortable stay. Hoteliers know the fact that if they want their customers to choose them over the competitors they have to provide something extra to the guests. Most important one is by offering the quality and right hotel amenities to the guests at suitable rates. If you want your hotel to succeed than it should keep itself ahead in the current trends which will ensure better occupancy rates.

You can start on the hotel amenities services by providing the basic things and supplies like toiletries, towels, hangers, etc. These basic hotel supplies are targeted towards providing the guests ultimate convenience and feel at home factor. However the definition of basic hotel supplies differs on the hotel class and type. The Hotel industry is a highly competitive industry and competes with one another for business. Thus the hotel amenities and supplies that they provide are part of the competition which concerns things like- how many amenities are being offered, its types and the quality and design of the products.

Guests’ expectations of such supplies are affected by the type of hotel and its sophistication level. Hangers, ice boxes, absorbent towels, exquisite bed linens, wooden luggage racks, etc these are basic hotel supplies for mid level hotels. The main aim for providing such extra luxury items is to increase the occupancy rates of the hotel rooms. As the level of the hotel goes up, so does the quality and number of hotel supplies and amenities.

Hotels and resorts that are 5-star and above provide a high level of guest services and amenities to attract and sustain high-end guests. For instance- shaving kits, medical kits, microfiber Bathrobe and towels, shaving mirrors with fog-free feature, in-room lockers, refrigerators, mini bar, etc are just some examples of high quality hotel supplies of such luxury hotels and resorts. Not only do such additional amenities attract new guests but they also increase the occupancy rates.

Guests give rating’s for the hotel supplies and guest complementaries they utilize based on there quality and there convenience. When an hotelier is in the process of deciding which hotel amenities they would provide, a number of factors would influence the decision like- the budget, expectations of their guests, type of guests they receive, etc. The value and importance of hotel supplies cannot be overlooked as they have direct Affect on the occupancy rates.

A wedding photographer is not just any photographer who comes along to take some photographs; they should be able to connect in a friendly and confident manner, with the bride, groom, parents, grandparents and any children at the wedding and sometimes, the pet dog as well. The photographer should feel all the emotions and become a part of their day, by that I mean that they should understand the emotions of the people attending the wedding, after all, how else can the wedding photographer capture these emotions on camera, if they don’t feel and understand them.

The romance, excitement and the final realisation of months, maybe even years, of planning for this one day and it’s the wedding photographer’s job to capture these emotions in a realistic yet, beautiful way. The bride and groom will be nervous, the parents hoping everything runs as smoothly as they have planned for and the kids, trying not to look too bored with all the fuss around them. I often capture some great photographs of the kids at weddings. The photographs should reflect the events of the day in such a way that, looking back, when you’re an old married couple, it will seem like the wedding was only yesterday.

All the details need to be photographed, including the church or venue for the ceremony and of course, the reception. As a wedding photographer, I consider it a vital part of my work, to arrive early, get to know the layout of wedding venue, select the best positions and angles for the shots that I want to capture, during the ceremony and strive to produce incredible photos.

Unfortunately, there are still some people who will not allow the religious ceremony to be photographed which is another reason I like to arrive early, to give myself the opportunity to chat with the minister, priest or official who will be conducting the ceremony and if possible, gain a little compromise, in such cases. A good wedding photographer will be aware of all the areas to consider for every occasion. Your wedding will be unique and your wedding photographs should also be unique.

I chose to specialise in wedding photography, initially because I didn’t have a photography studio however, while I run a photography business, I also get so much personal enjoyment from photographing weddings, and I wouldn’t have it any other way.

My approach to wedding photography is very relaxed; I prefer the wedding photojournalism approach, as most top wedding photographers do. My wedding portfolio is full of photographs of relaxed couples enjoying their wedding day and spending time with friends and family not, the photographer. These photographs are far more enjoyable to look at and also help to capture the wedding’s events as they unfold, naturally.

In short, wedding photography is very much a specialised area and wedding photography should always be left to the professional. Weddings can’t be re-photographed in a photography studio. The photographer who chooses to photograph weddings, had better know exactly what he or she is doing and be able to get it right, every time. It’s a huge responsibility and requires a responsible wedding photographer.

What is a skater? A skater is anyone that loves the feeling of freedom they get when skating. Skaters come in all ages with all types of personalities. It can be the boy next door or the punk rocker down the street. It can be the nerd that never leaves his computer except for skating or the group of Goth kids that live in town.

Skaters love the feeling they get when they do an incredible jump perfect every time. They love the thrill of pushing themselves beyond their limits and climbing new heights and reaching new goals.

What types of skaters are there?

There are several different types of skaters and each type requires different equipment. The most common type of skater is the roller skater. This group includes kids and adults of all ages. Usually this type of skating is done at a skating rink and they either wear roller skates or inline skates. You can also purchase outdoor skates that you can wear anywhere.

Another popular type of skater is the ice skater. Ice skating is done by many just for fun in ice rinks located all over the world. However, it is also many professional ice skaters that perform in competitions for metals. Some of these have become quite famous. The performance that a figure skater provides is amazing and takes years of practice and patients. These skaters are to be greatly admired.

Skateboarders are another type of skater that has grown in popularity over the years. Skateboarders make up a unique group of people that love to have fun and spend time together. This type of skating requires skill and a desire for excitement.

Are there stereotypes about skaters?

The answer is yes. Unfortunately, there are many people that have the wrong idea about the skater lifestyle. This is especially true when it comes to skateboarders. Due to the fact that many of them roam the city streets and other areas searching for a place to ride others look at them in a negative way. They describe these skaters as dropouts and trouble makers. Many believe they are throwing away their life and that they have no respect for the law. Others look at them as being dirty and don’t want them in their neighborhood.

However, this is not normally the case. Most skateboarders are good, educated honest people that just enjoy having a lot of fun and socializing with others that enjoy the same things. They love the thrill of skating and take pride in what they do. They spend many hours practicing and learning new tricks and many skateboarders become extremely famous for their abilities as well.

When travelling, you want to have the most relaxing time possible. But with so many things to do it can be really hard to stay relaxed and to have everything in order. Concierge services come into the picture to take the burden off your shoulders so you have lots of time to do what you want to do most not worrying about personal things that need to be done. Concierge services can be residential, corporate or personal; the personal services are what you will need when preparing for a holiday travel.

Generally speaking, you will have a manager to take care of your daily tasks such as making phone calls, making hotel reservations, arranging spa services, booking transport and even coordinating luggage assistance. Some of the service providers will basically be open to offer you any kind of assistance you may need including pet care, dining bookings and procuring tickets to events that you want to enjoy during your holiday. The services you can enjoy can be as personalized as possible and they will:

Save your time – this is because you won’t have to spare your precious holiday time trying to get everything in order. You simply need to make your request and your concierge will be on the tasks promptly. You will have all your errands run for you as you spend valuable time doing what you want in your travel destination. You will have more time to relax, explore, enjoy and learn when you have a trustworthy manager handling all your personal tasks.

Save your money – It may seem ironical because the extra services will definitely cost you something. But the truth is when you choose to have a concierge you stand to enjoy services from different service providers and vendors working in conjunction with your provider. This increases the chances of enjoying discounts from the partners, including free upgrades, special perks and treatments and complimentary benefits for various products and services. You may get the rare chance of enjoying free trials, upgrades and discounts at top spas, restaurants, transportation and entertainment companies.

When looking for the best service provider for your travel needs, you should check out

The services – Checking what the concierge services offered entail is very important. There are service providers who may have limits as to what their assistants can do on your behalf while others may be flexible and willing to customize the services to meet all your requirements.

Charges – Also important to check is the charges; some charge at an hourly rate, whereas some will charge the services at a flat fee in consideration for everything you want to be taken care of during your holiday.

Partnerships – Concierge services usually brings a number of other service providers together. If you want something like spa arrangements made for you, you may want to check what spas your service provider works in conjunction with to ensure that they can offer you the best services. This should apply to every other arrangement you find necessary for the holidays.

Teaching and learning have taken on a whole new dimension due to the major impact of technology in schools. Teachers now have a medium to communicate effectively with one another and share ideas to better their teaching skills. They now have a pool of endless resources they can utilize to offer students the assistance they need to develop their ability and advance. The computer has improved education in many ways. There is now the reduced use of paper, which plays a role in environmental conservation. This positively supports what teachers are trying to instill in their pupils; it is important to preserve the natural environment and take care of our surroundings. There is no better way to do it than putting a stop to cutting down trees.

Other notable areas of improvements as a result of technology are;

– Information on different subject matter is readily accessible. This is not only beneficial to teachers, but students as well. There is no limit to the knowledge one can attain from the internet. What’s more, the material available is diverse since it’s presented by people from different parts of the world. This opens up a student’s viewpoint and allows for fresh, new ideas to arise.

– There is a lot of software that schools can use to create far more interesting presentations and programs. Students can use the software on projects thus they have a way to express their tasks effectively and in detail.

– Technology has helped do away with distance and time restrictions. Online education has opened numerous possibilities for students and teachers alike. You can now school or teach from anywhere in the world. Many online schools are accredited and registered with the necessary government bodies. This means that every individual interested in acquiring a higher education has the opportunity to do so now. Many people who have jobs also have the chance to pursue further studies without giving up their careers.

– The introduction of schools online has made education more enjoyable and achievable. Because this allows a visual and audio mode of communicating, everyone can share ideas, knowledge, as well as information and make others the better for it.

Through technology, education has been transformed. Learning and teaching has become more interactive. It has also done away with barriers as knowledge can now be shared across borders. Different cultures can now openly appreciate one another as they learn the various ways of life. Technology has undoubtedly improved the scope of education and through this there will be more technological advancements. Thus, technology and education are correlated; they work together to develop each other.

A Public Improvement District (“PID”) is a financing tool created by the Public Improvement District Assessment Act as found in Chapter 372 of the Texas Local Government Code. The PID enables any city to levy and collect special assessments on property that is within the city or within the city’s Extraterritorial Jurisdiction (“ETJ”). A county may also form a PID,but must obtain approval from a city if the proposed PID is within the city’s ETJ. The PID establishes a mechanism to finance improvement projects through the issuance of bonds secured by special assessments levied on all benefited properties. Because PID bonds can be used to reimburse the developer for eligible infrastructure early in the development process, often before the closing of the first home.

Public Improvements Eligible for PID Financing are; Acquisition of Right of Ways, Art, Creation of pedestrian malls, Erection of foundations, Landscaping and other aesthetics, Library, Mass transit, Parks & Recreational or Cultural Facilities, Parking, Street and sidewalk. Supplemental safety services for the improvement of the district, including public safety and security services. Supplemental business-related services for the improvement of the district. Water, wastewater, health and sanitation or drainage.

Benefits of a PID

A PID may be established early in the development process allowing the developer to be a reimbursed upon completion of the public infrastructure. Furthermore, unlike a Municipal Utility District (“MUD”), Water Control and Improvement District (“WCID”), or Fresh Water District (“FWSD”), PIDs do not require TCEQ approval, and are governed by the governing body of the city or county, thereby alleviating concerns regarding board turnover and the integrity of the board. If the city chooses to annex property that is within the boundaries of a PID, the city is not forced to pay off the assessments, and the assessments do not affect the city’s debt capacity or rating.

The advancement in technology has certainly had a major effect on the lives of many. This world is becoming a global village and distances no longer a problem. Communications and mass information is just a few clicks away; thanks to the computer related technology, more specifically the utility of internet, which is a part of the information technology.

Social networking websites and chat related applications are now presenting quite a number of advantages to the users. They reduce distances between the users and help them connect with relatives and friends from all over the world. The aim of any social networking site is to make the application and utility user friendly.

With the technological changes and new developments occurring every day, internet users no longer have to face the problems online that they had to face lately due to technical glitches, which resulted in frustration. Now the users no longer have to rummage through heaps of messages to access a particular conversation or read at hyperactive speeds just to keep in touch with the discussion on hand. The systems have become more streamlined and responsive and thus more convenient to the users.

This constant and rapid change in web technology has opened many windows of opportunity for both the users and the developers. The users now have more options to switch to and the developers have to work to develop newer, better, efficient and easy to use portals.

In its early days, E-commerce existed simply as a form of facilitation for commercial and financial transactions. It is one of the few things that have changed with the passage of time. This historic turning of e-commerce occurred about three decades ago.

Technologies such as electronic data exchange and electronic funds transfer have been introduced and they had a revolutionary effect because these allowed the businesses to communicate the commercial documents such as the basics of purchase orders and invoices via electronic network systems securely. The growth of telephonic banking services, credit card transactions and automated teller machines has added a new dimension to e-commerce. There are still innumerable aspects of business and other related issues that are growing as per the users need and the information technology is providing a highly efficient and secure platform to them.

Electronic payment systems have become the engine for almost all online transactions. The major electronic payment systems that govern current online transactions are credit card processing systems and electronic payment gateways. The electronic payment gateways are the companies that facilitate financial transactions online by authenticating credit cards and online bank accounts authorizing certain transactions. They basically form the virtual connectivity between merchant’s website and the credit card companies; this sure reduces the hassle of long bank queues and offer purchasing options when ever and where ever any one pleases to have these while utilizing the splendors of computer technology.

The information technology has come a long way and is ever evolving. It has truly made the world a global village.