Do you know the difference between the two? It’s an important difference.
If you own a business that business continues to make money whether or not you are there. If you own a job, yes, you’re still in control but once you go off on holiday your revenue stops coming in. I learnt this way of thinking when I read Rich Dad, Poor Dad by Robert Kiyosaki in 2007. He says a lot of professionals like doctors and lawyers make this mistake when they start their own practice because they do all the work themselves. If you want to actually own a business you need to thinking of a structure that gives you revenue even when you’re on holiday, e.g. a legal partnership where partners get a share of profits in addition to bringing in clients. If you own a service business, you can franchise your business when it gets large enough. If you make a physical product you can eventually find a manufacturer for mass production - there are only so many "widgets" you can make yourself. My whole life set up in a way that my current hard work will continue to pay dividends for a long time to come – even while I sleep! Through Black Girl – Getting To Wealthy I help other people do the same:
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By Dr Harry
As anyone who has been to college knows, starting a new year and staying a healthy weight can be challenging. Either you are busy burning the candle at both ends and don't get enough sleep, or you are finding it difficult to fit a workout into your schedule. All college students are at risk of piling on the pounds. I have the pleasure in sharing with you this cool infographic from our friends at bestcolleges.org Enjoy! Although your personal finances and your business success are my primary interest, I believe you only operate at peak efficiency when you're fit and healthy. If you feel good, it filters through to your work. To help you with that, click for your free ebook: The Quick Guide to Sexy I love to visit antique shops and junk yards because you find amazing furniture at fantastic prices. I found this table at a place called Aladdin's Cave in London. It cost £20 (just over $30). I thought it was a bargain. The base of this stool is beautiful! I would have liked to paint the bottom a creamy colour and the top parma gray (by Farrow & Ball) but I didn't want to buy lots of paint so I decided to settle for just parma gray. I didn't use a primer at all and the spent about 60 seconds sanding the table. It didn't seem to need it. I just slapped on two layers of paint on the base and three coats on the very top. It was very quick and easy and the result is a sight for sore eyes. For more money saving tips see Build Super Savings: I wanted to buy cushions that matched my curtains but they cost £21 ($33) per cushion. I almost fainted when I saw that price! In the end I decided to just make my own cushion covers to match chairs I upholstered rather than the curtains. I had some left over material but it was only enough for one side of the cushion so I bought one plain patch off eBay at £1.24 ($1.92) including shipping (seriously, who can beat that?!!!). The zip cost me £0.55 ($0.85). I'm not even going to count the cost of the thread because it's negligible. Anyway this is how I went about it:
I got a pretty cushion that matches my chairs for less than £2 ($3) - now that's what I'm talking about. I had never sewn a cushion before, in fact I don't sew generally but it turned out alright. It's pretty amazing what you can do when you decide YOU WILL do it. If you like to save money like I do check out my ebook at katsonga.com and build super savings!
What a lucky find! I was walking down the street about a mile away from my house when I saw this solid wood bookcase dumped outside someone's home. I liked it immediately and I saw potential but I was on my own and it was large so I decided to leave it. A minute down the road I thought, no way man, that baby's coming home with me! I walked back up, knocked on the door and asked if they were throwing it away. The lady said yes so I took the shelves, as that's all I could carry and walked home to ask my hubby to come and help me collect it. Luckily, it fit in the car. I decided to paint the book case white and the legs Farrow and Ball's Parma Gray. It took two coats of primer and two coats of white wood paint to get the bookcase as white as I wanted it to be. When I was done painting I thought it looked a little boring. It needed some life so I thought I would wallpaper the sides fully but the Cath Kidston wallpaper I wanted was £25 ($40); I wasn't prepared to spend that kind of money on a full roll of wallpaper that was mostly going to be binned. I started trawling through eBay to find other people's left over wallpaper and stumbled upon an eBayer who had already cut flowers off Cath Kidston wall paper and sold the pieces to people like me that wanted to decorate furnitures. She cuts around the flower in a circle and leaves it to the buyer to cut neatly around each flower and leaf. So, that's what I did. Cutting around the flowers took a fair amount of time, maybe two hours because I wanted it done neatly. Then, using wall paper paste, I stuck the flowers onto the bookcase. If you want similar wall paper pieces just search "wall paper decoupage" on eBay. A pack currently costs £6.60 ($10) including postage. To be totally honest, I wasn't sure if I would like the outcome but once it was done I loved it. It's probably my favourite piece in the house because it took so much love, creativity and effort. I share a tonne of savings tips in Build Super Savings: I am shirking work, yes! Stumbled upon this video on English accents. Reminds one that even within the US and the UK accents vary. There is no correct one. Views as at 1 July 2013: 16,037,360 This is the second take. I prefer the first because it was more "real". Videos that go viral unexpectedly usually are. It's good too though.
Views as at 1 July 2013: 877,191 By Heather If a drink is marketed as a fruit juice you might be forgiven for thinking it is healthy. McDonald's has a fruit drink which is classified as "one of your five-a-day" in reference to the public health message to get at least five portions of fruit and veg per day. Healthy, right? So you might be confused when told that such drinks are not healthy at all and contain vast amounts of added sugar - far more than you would add to a cup of tea! In fact the small serving contains 25g sugar per 100mL drink. Michael Bloomberg, Mayor of New York, is tackling this problem head-on by launching the newest phase in their anti-obesity drive "Pouring on the Pounds." One of the latest videos makes us think about healthy sounding "fruit" drinks, which are in fact packed with sugar. I would recommend fruit to be consumed in it's natural state - i.e. instead of orange juice, eat an orange, it's far healthier! I really like how these videos show clearly the sugar content - something which is usually hidden and not thought about. Although your personal finances and your business success are my primary interest, I believe you only operate at peak efficiency when you're fit and healthy. If you feel good, it filters through to your work. To help you with that, click for your free ebook: The Quick Guide to Sexy I don't know where it's suddenly come from but I am beginning to love upcycling. In addition to saving a tonne of money you also end up having very unique pieces of furniture in your home. I'll do a video later on showing where exactly we choose to put these chairs but for now, see how I created this awesome look.
Obviously the fabric you like and choose is personal to you. I got this shabby chic patchwork cloth from Rolls & Rems in Lewisham, London. They have a huge collection of awesome fabrics. I bought the victorian chairs from an antique shop in Birmingham for just £36 ($55) for the two. Tried to get it down to £35 but the shopkeeper was not having it! By Heather If you're trying for a baby then you may have to wait longer if you are obese researchers say. (1) This is mainly a hormonal effect and can be helped by weight loss. For women, for every unit increase in BMI the chance of conceiving naturally decreases by about 5%; so for example, if your BMI is 31 you have 5% less chance of natural conception than if your BMI is 30. In one study looking at young women aged 18 years old with a BMI of 32, the risk of infertility was almost trebled compared to their peers with a normal BMI. (2) The medical condition PCOS (polycystic ovarian syndrome) is associated with similar hormonal profiles to obesity. This condition is characterised by irregular menstrual cycles and below normal fertility levels. Not all PCOS sufferers are obese. However in those who are the hormonal irregularities are magnified. In men, a similar disruption of the normal hormonal profile also occurs. This effects sperm quality and reduces fertlity directly and with reduced testosterone affecting fertility indirectly through decreased libido and erectile dysfunction. The only proven treatment to increase the likelihood of pregnancy is weight loss. (3) Once you fall pregnant, the risk of miscarriage in early pregnancy (less than 12 weeks) is increased if you are overwight or obese. This is true whether you fall pregnant naturally or following assisted reproductive techniques such as IVF. (4) The reasons for this are currently being intensely researched and the verdict is still out. In some countries, your access to publicly funded IVF treatment if you are an obese woman may be restricted because of treatment failure rates. However although the UK guidelines suggest a BMI of less than 29 is preferred, practice varies locally. (5) What can be done? As has been mentioned already, weight loss is the only known treatment to work; there are no medications or interventions which have any proven effect. Even modest weight loss - in the region of 5 - 10% can help your fertility. In one study, 4 out of 5 obese women with infertility and hormonal irregularities regained normal menstrual cycles with 1 in 3 of them becoming pregnant. (6) Although your personal finances and your business success are my primary interest, I believe you only operate at peak efficiency when you're fit and healthy. If you feel good, it filters through to your work. To help you with that, click for your free ebook: The Quick Guide to Sexy References
1. Wise LA et al An internet-based prospective study of body size and time-to-pregnancy. Hum Reprod 2010;25:253-64. 2. Rich-Edwards JW et al Adolescent body mass index and infertility caused by ovulatory disorder. Am J Obstet Gynecol 1994;171:171-7 3. Hammoud AO et al Obesity and male infertility: a practical approach. Semin Reprod Med. 2012 Dec; 30(6): 486-95 4. Wang JX et al Obesity increases the risk of spontaneous abortion during infertility treatment. Obes Res 2002;10:551-4. 5. National Institute for Clinical Excellence. Fertility guideline: Assessment and treatment for people with fertility problems. http://www.nice.org.uk/CG011 6. Hollmann M, et al Effects of weight loss on the hormonal profile in obese, infertile women. Hum Reprod 1996;11:1884-91 By Heather This is a common question I get asked a lot. It is very disheartening when you stick to an exercise schedule and after a week you don't see any weight loss. Even after a month, the weight loss is minimal. Why might this be? 1. Your exercise is not intense enough Did you know that the UK government recommends adults to do at least 3 sessions of 45 minutes of exercise per week? That's moderate to vigorous intensity. And that's not even to lose weight, but just to improve other areas of health (like your heart and bones). So if you stop after 10 or 20 minutes exercise you may not be burning enough calories. If you are not doing an intense enough activity (moderate to vigorous intensity) you may not be burning enough calories. The number of calories burnt during exercise depends on the time spent on it and the intensity of it. If you spend your time doing vigorous intensity exercise you may be able to exercise for less time. But if you are doing light intensity exercise you will have to exercise for a lot longer! 2. You reward yourself with food because you are doing a lot of exercise I know exercise is hard work, especially if you are not used to it. It is natural for you to want to be rewarded. But inappropriate food choices can make all your exercise efforts null and void! If you burn 300 calories by jogging for 30 minutes, you can completely cancel that out by eating a slice of cheesecake when you get home. If your food reward is more than 300 calories you've incurred calorie debt, and this tends to grow as time goes on until you get on top of this habit. The rate at which you can consume calories is a lot faster than the rate at which you are able to burn calories. So remember, 5 minutes of eating is a much faster way of adding calories than 5 minutes of exercise is at burning calories. There is not a straight 1 to 1 relationship between rates of energy intake and energy expenditure. 3. You reduce your physical activity throughout the rest of the day If you exercise regularly but then spend the rest of your time recovering this could contribute to a lack of weight loss. Your gains in calorie burning during exercise may be significantly dampened if your normal levels of activity are then reduced from what they were before the exercise regimen started. My recommendations would be to try and exercise everyday, as getting into and maintaining a habit is much easier if it is something that happens at a set time every day (like brushing your teeth). This also means that you will be more likely to hit the exercise target and burn more calories than you otherwise would with less exercise. Also, cut out high calorie food which may be difficult (like chocolate and biscuits). The best way is don't buy them, then you won't have them in the house tempting you. Finally I would recommend snacking on fruit and vegetables. You may not be able to burn calories at the same rate as you can ingest them, but if the foods are low calorie to begin with, snacking on a large quantity will not add up to much by the time you are done. Although your personal finances and your business success are my primary interest, I believe you only operate at peak efficiency when you're fit and healthy. If you feel good, it filters through to your work. To help you with that, click for your free ebook: The Quick Guide to Sexy |
By Heather
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