How the Small Can Win


There are billions of businesses in the world, millions and millions in different continents, some that are national bound while some are locally restricted but it is interesting to know that there are business that are across the globe and almost everyone under the sky knows about their existence (e.g Microsoft, Facebook, Google, Tesla, Amazon, Zara, Gucci, Versace, Pollo Clothings etc.) In a silent manner a young man that is just starting his business will ask, how can I make it in this competitive atmosphere and make my way to the top or simply put “how the small me can win?”

I will say the world has become educational in itself and everywhere is now institution where necessary knowledge can be harnessed for free without payment or restrictions. Payment for some educative information comes into play when the folks involved cares more about the certification which is the proof of attendance but if not, then the world is the class and available experience of successful people is the teacher. There is a common saying “never underestimate the power of free things”

There are countless websites outside there that will give good solid educative material without thinking a cent as returns, they believe the world should be a place of peace where everyone has food on their tables therefore they have put you in their plans. They also believe they will make little income by having you on their platform via adverts, thus it is a win – win case.  Jump at this opportunity and read from blogs. It is an opportunity to learn from people’s experience especially the big companies on the net and championing the stock exchange.

Maximize the power in the below websites for free:

  • com
  • com
  • com
  • com
  • com
  • com

I have a lot to mention and direct people to, but you can try out this great website; just to get more on free websites that provide educational materials on how the small people can also win. Some of the courses offered involves.

  • Financial Management
  • Budget
  • Management of funds
  • Human Management
  • Decision Making
  • Expansion Consideration
  • Building boards of director

This how the small win, the small can win cheaply, so let’s make it a reality.


Using Super Fund To Buy Property



There are many ways to fund your purchase of property or building. Sometimes, those means are a lot harder to use, depending on your circumstances. There are also instances when you may have the means, but using them is probably not the right move.


For example, consider the notion of purchasing real estate using superannuation. First, let’s define the term that probably looks unfamiliar to most of you.


The term means one of two things, depending on which side of retirement you’re on. If you’re not retired yet, it’s the amount of money you pay to build towards a future pension. If you are retired, it’s the amount you get from what you’ve built up.


Now, let’s ask ourselves if using that money as a good idea for buying property. Not just a home, mind you. We’re expanding that to cover all property because superannuation is very investment-driven.


The most general advice I can give is that if you do this, you’ll want to mix a home loan into the situation. It’s much less hassle and allows you a bit more leverage.


This type of property purchase can usually be somewhat complicated. There’s a lot of paperwork involved, pieces of bureaucracy that are meant to make a superannuation fund challenging to waste away. This is not something that most people allow to be done on a whim.


This also limits the ability to use it for tax avoidance.


Acquiring residential property with a super fund isn’t easy. It’s not usually the right choice, and you’re going to look for a professional to help because it is frustratingly hard to navigate alone.


The cost will be significant. There’s no getting around this. You can end up spending several thousand in fees alone. Since the fund has to be audited annually, that adds extra complications.


For the most part, you cannot use a superannuation fund to purchase a property you intend to use or live in yourself. You can’t rent it to your family or vacation in it. You can’t buy the property from someone associated with the fund or someone related to a member either.


Once again, I reiterate the need to have a professional on-hand. It’s essential for licensed accountants and financial planners to be available as you make decisions.


If the property you acquired falls short of expectations, you’re the one making up for the shortfall. This is going to be rough if you have no income beyond the super fund.


We all want to make big millions of dollar, I want also, don’t think I am an angel that doesn’t care for that but there are some basic things we ought to know while we aim at this our goal o the so-called ambition. What I am about to say will be short and this is not a rebook but rather a piece of information that we really need to know or an admonition. I have seen a kid that told me something fascinating but more dangerous than being funny. She said I want to be rich in millions and I will have enough money to eat chocolates and candy. That sounded too childish but do you know adults like this exist, they always dream of enjoying all they missed when young.


Truly if we have money and can’t enjoy, to what end is that dollars that we stacked up? but have you ever considered eating a proper meal? Taking a balanced diet? And not just digging deep into some particular diets of food you missed when younger because of the poverty state of the family then. Your health is of high importance and how you respond to it say more about how you love yourself before loving others.


As I pointed out earlier, desiring a good health does not automatically means you need to swallow drugs constantly as some ignorantly think but rather taking of balanced diet, get a timetable of nutritious food that your body needs, follow the diet. Do you even know you don’t need to see a doctor before you live in a good health or pharmacist because there are many apps on google playstore and ios-store that covers all these needs, they explain all you ever need to eat, the propulsion of your cooking ingredients, the in take of fruits and water and all mineral that your body can ever request for and if you have some body anomaly these apps can provide some statistics of fruit to eat and when to eat them and the proper time for exercise and you will actually gain your health back.

I am always here to help you, I will provide the information while you act on them, I care for your heart, I love to see you living in health and all these can be done on your budget.

DIY Projects for Home

You want to improve your home. However, you run into the problem of not having the budget for a large-scale renovation. You have a few skills and some tools. You have the time. Why not make those upgrades yourself?


If you can sew, why not make custom pillowcases and the like? There’s plenty of patterns out there, or you could choose a family monogram-like take on it. You can view more ideas at the link.


Buy polished chrome and install some hooks. If you’ve never had a towel hook in the kitchen, you’re missing out. Your hands are going to get filthy in the kitchen a lot of the time, so it’s good to have something there you can use to wipe with.


Want to add a nice, classic-feeling touch to your TV? Don’t use a wall mount, use an easel!


Yes, I’m suggesting using those things that artists mount their canvases on. A sturdy easel can handle the weight of a TV and doesn’t take up much room. You can even adjust the angle for optimal viewing. Best of all is that it doesn’t get in the way of any wires you want to hook up to the machine.


Do you need a home office? Check if you have a closet you’re not using.


Think about it. A closet will have platforms at various heights, making them great for storage. Add a chair and some light and you can have them take the place of a table. You can place anything you need in that storage area.


Depending on the heights involved, you might not need to adjust anything. Though you’ll definitely need to get rid of the door.


Change your light switch plate!


Don’t let it be that stale plastic thing the house came with. Add a touch of colour with wallpaper. Make it glow in the dark with luminescent stickers so it’s easier to find in the dark. Add a creative touch to it.


Do you have an old mirror you’re no longer using? If it’s not too big, you can use it as a tray. It’ll be classy and functional at the same time.


If you want something framed and colourful, you don’t need to spend money on artwork.


Old cloth or fabric can work just as well. If you have an old shirt that has a pattern or design you like, frame that and hang it. It’ll be decorative, it’ll speak about what you like, and it’ll be cheaper than artwork would be.


A quick way to update old shelves is to cover them in wallpaper. Another option is to place ribbons around the edges, giving it a splash of new life.


Cover a wall in wallpaper. There’s new patterns, designs, and materials now.


It’s a great, cost-effective way to improve a room. In fact, you can get away with not covering all the walls. Just cover the most visible, “front-and-centre” surface or the one you’ll end up seeing first thing in the morning if it’s a bedroom wall.

3 Hot and Creamy Soups You’ll Fall In Love With

Consistent utilization of soup benefits more than the taste buds. In light of its high water and fibre content, it helps flush out unsafe poisons from the body without being challenging for the stomach. This is likewise the motivation behind why it’s a compelling dish to enable one to get in shape – the water it contains causes one top off immediately contrasted with other sustenance.

So whether you’re expecting to shed a few pounds or essentially cherish soup, here are 3 rich soups you’ll certainly begin to look all starry eyed at:

Cheesy Corn and Potato Chowder

What you need:

3 1/2 cups chicken broth
3 cups peeled and cubed potatoes
2 cups milk
1 3/4 cups whole kernel corn
1 cup Mexican-style processed cheese food
1 cup chopped celery
1 cup chopped onion
1/2 cup diced green chiles
1/4 cup country-style gravy mix
2 tablespoons margarine
Melt margarine in a large pan over medium-high heat then cook celery and onion for 3 to 5 minutes or until tender. Add chicken broth and bring to a boil. Stir in potatoes, lower heat and cook, stirring occasionally, until potatoes are tender, about 20 to 25 minutes. Add corn and chiles and bring to a boil. Dissolve gravy mix in milk then stir into the pan. Lastly, add cheese then cook and stir over low heat until cheese is melted and mixture is thick and creamy.
Milky Mushroom Soup

What you need:

2 shallots, chopped
1 3/4 cups chicken broth
1 cup Portobello mushrooms
1 cup shiitake mushrooms
1 cup half-and-half
1/4 cup butter
2 tablespoons all-purpose flour
1 pinch ground cinnamon
Salt and black pepper to taste
In a large saucepan, melt butter over medium-high heat then cook shallots, Portobello mushrooms and shiitake mushrooms until soft, about 5 minutes. Add flour and stir until smooth. Gradually add chicken broth and cook, stirring, until mixture is thick. Add half-and-half, season with salt and pepper and sprinkle with cinnamon. Stir and heat through (do not boil).
Carrot-Curry Cream Soup

What you need:

1/2 kilogram carrots, peeled and cut into 1-inch chunks
1 large onion, diced largely
3 large garlic cloves, thickly sliced
3 cups chicken broth
1 1/2 cups whole milk
2 tablespoons curry powder
2 tablespoons olive oil
1 tablespoon butter
1 pinch sugar
Salt and ground pepper to taste
Chopped roasted pistachios for garnish
In a large pan, heat oil then saute carrots and onion for 7 minutes or until slightly golden brown. Lower heat then stir in garlic, butter and sugar. Cook for 10 minutes then add curry powder. Pour in broth, allow to simmer, partially covered, until carrots are tender, about 15 to 20 minutes. Remove from heat and puree in a blender until mixture is smooth. Return to pan, add half-and-half then heat through. Add salt and pepper if needed. Transfer to serving bowl and garnish with pistachios.

Stay warm and full on a cold night with these delicious hot and creamy soup recipes!

Simple Waste Management Tips

Waste management seems like a fancy term. In the end, though, it’s just a way to describe what happens after you clean up around the house. After all, moving dirt and debris around isn’t effective. It all has to go somewhere, and it’s best to know where.

If you’re looking to build a better waste management plan, we have some advice for you. Many of these apply whether you’re a homeowner or you’re in the construction and demolition business.

A good first move is to reduce the amount of waste you make.

Recyclable or returnable products are one step. You could also cut down by not buying single-use items or anything that is individually-wrapped. Reusable bags and containers when shopping or for packing lunches or leftovers are ideal.

Food scraps can be useful.

Depending on the nature of the scraps, you can do two things. One option is to cook them. Yes, this can be done, and there are some great recipes out there. The other option, if you have a garden, is to use them as compost.

Remember that a plan is a process, not a singular event.

Plans are frameworks. They help us identify a starting point, an end goal, and the path that we take between those two points. In many cases, it also provides a structure that allows us to recognise progress as it occurs, so we don’t lose motivation due to believing nothing good is coming out of it.

The ability to perform a plan is necessary. It needs to be regularly evaluated, and sometimes changes and improvements are required. If you want to have a better waste management plan, you’re going to have to keep at it. It isn’t a one-time deal, but a constant commitment to improve the process.

When dumping your waste, be sure to sort properly beforehand.

This may not seem like a big deal at first. However, being diverted from a landfill can become a huge issue. When materials are not properly sorted, it delays their trip to their eventual destination – whether that is a recycling centre, an incinerator, or something else entirely.

Taking the proverbial scenic route just causes this problem. Instead, make sure you know where something is going and sorting them before making the trip. This may take a little time, but having containers or bins that are marked for easier sorting can help.

When possible, use sustainable materials. This is a more indirect method, but no less valuable.

What is a sustainable material? In simple terms, it’s something that is naturally available and isn’t of limited supply or easily renewed. For example, growing oak to the point where it is useful lumber can take years. In a fraction of that time, certain species of tree can produce viable timbers and grow back.

Using these materials won’t have much of an impact on your regular waste cycle. However, it does have an enormous impact on the overall planet. These materials are sustainable, meaning that their impact is small enough that the environment recovers more readily.

Why Should You Consume Assam Black Tea Daily?

Assam black tea is a noted variety of tea that is indigenous to Assam, the north-eastern state of India that is popular as one of the largest tea producing areas on the planet. The black variety is famous for its flavor, aroma and amazing health benefits. Read and know about some of the most important reasons why you should consume this beverage every day.

Healthier alternative

Despite the presence of caffeine, it is not as strong as coffee. Thus, its regular consumption does not have a negative impact on your sleep. It acts as a healthier alternative to coffee and does not cause nervousness, anxiety or sleeplessness unless consumed in excessive amounts. It is best that you have a cup in the morning and another in the evening, to keep health problems away.

Varied brews

You can find many varieties of Assam black tea online, and choose one that suits your taste. You can pick one that you would love to have every day. There is Assam Harmony, Assam Melody, Assam Silver Needle, Cream of Assam and more varieties each of which comes with its own, individual taste, flavor, aroma and unique benefits for the health. There are varied options, as there are flushes. There are Spring, Summer, Monsoon and Autumn flushes that you can pick from.

Wonderful flavor

The rich malty taste of this beverage makes it a favorite of many tea drinkers. The flavor is understandable, as it is made out of the dark green leaves from the Assamica (Camellia sinensis) plant. When the leaves are brewed, you can get bright red liquor having a malty, rich taste and a sweet aroma. It can easily blend with various other forms of black tea, and help produce brews of a more exotic variety. It makes a solid breakfast tea. If you feel that the flavor is too strong for you, add some milk to it to dilute its flavor.

Rich caffeine content

The amount of caffeine in Assam black brew is the highest, much more than all the other varieties and similar to that of coffee. Caffeine is very important for proper functioning of the body, and can boost the thyroid and adrenal glands. It can also ensure relief from various health problems such as obesity, high blood pressure, Osteoarthritis, diabetes, heart disease, some types of cancer and more. It is also available in caffeinated variety from some Assam black tea manufacturer companies.

Powerful health benefits

This tea is packed with antioxidants, which can help retard the ageing process by combating the free radicals in the body, reduce the risks of cardiac disorders and even destroy cells that can cause cancer. It can also keep fatigue away, and improve your concentration – allowing you to focus better on your studies and work. The consumption of this beverage can also work well for your digestive system and provide you with relief from gas problems and other issues. Regular intake of this variety of tea can also help your body to cut down fat naturally.

Whimsical Wednesday: Spring Fashion

I love so many aspects of spring. It is undoubtedly my favourite season.
The sheer miracle of nature unfolding is so beautiful. I love my commutes to and from work during this season. Also, I really enjoy watching my cats as they perch in the windows on the lookout for squirrels and birds.
It’s a season of renewal and hope.
It is also a time for frivolity and fun. And that is especially evident when it comes to fashion. Time to put away the winter wool and don lighter ware. I’ve already been sporting my bronze sandals and jeans jacket.
I hope that you are enjoying the weather wherever you are.

Monitor Your Electric Bill to Save Money and Promote Green Living

I belong to a fabulous church that has an “Earth Ministry.”

I know, some people are rolling their eyes. It’s a little too “crunchy,” or as one friend said “Wickity Wack,” which means “uncool” in the Urban Dictionary.

But, I think it’s important to realize the impact we have on our environment and resources. In addition, the reality is that living in a “green” manner often yields frugal results.  

Anyway, back to my church’s Earth Ministry. We have a great woman, Amy, who emails challenges that I really enjoy.

Her latest admonition:  Be conscious of your electric bills. Amy encourages us to note the amount of electricity we are using by examining the number of kilo-watt hours (kWhs) on the bill.

If you live in Milwaukee, you can set up, or log into, your account at We Energies.  It is possible to print out reports that go back a few years and create graphs.

I took a look at my report this month and I’m not happy. Each day this month, I used 4.21 kWhs as opposed to the 2.90 kWhs last year. This translated to a near addition of 20 cents a day. I have to examine why this is happening. The plant light? Computer usage? I’m definitely going to be tracking my electric bill monthly seriously.

I’m going to start acting a lot like one of my uncles, who was known for always turning off the light behind him. He was forever reminding me to turn off the “juice.”

Thank you, Amy and Uncle Mike for your words of wisdom.

Indoor Plant Update, and the Cost to Operate Plant Lights

Six weeks ago, I received four kale leaves and four tufts of lettuce growing in a pot of dirt from my friend. She also gave me a standing 11-inch plant light that hovered over the plants, yielding a steady stream of light.

Unfortunately, I did not provide the lovelies with enough light.

I soon discovered that the plants need at least 14 hours of artificial light, preferably 16 hours, in the winter time. I was only giving them 10 to 12 hours. All of the lettuce died. Three kale leaves dried away.

I am happy to report that the remaining kale leaf is thriving and has developed beautiful little clusters at its base. The only misfortune is that it will not grow into an actual kale plant.

Still, I am so grateful for this “experiment.” I have learned a lot. If I am to grow herbs and vegetables indoors, I must have the proper equipment. I’m reading as much as I can about grow lights.

I was pleased to learn that operating plant lights are really not that expensive if you buy the right ones. To determine the operating costs per hour for a light, you need to add up all the wattage from your lights. Then, divide it by 1,000 to get the kilowatts used. That number is multiplied by the amount your electric company charges per kilowatt hour. Just check your last statement.


(light wattage output / 1000) x electricity cost per kilowatt hour = Operating cost per hour operating cost per hour x hours used per month = Operating cost per month

Meanwhile, I thought I’d share a nice indoor garden (below) that is housed in the basement under grow lights. The blogger at Chiot’s Run is certainly successful.