Can you save money by using fractional ownership? The marketing of fractional ownership has to date focused on a certain type of development, i.e. super-luxury resorts laden with facilities and services at a very high cost. This isn't all it should be about. In many ways it is potentially more beneficial to people that don't have loads of money.
In most cases "fractional" ownership has involved taking the timeshare concept and making it 10 times more expensive! However the need for fractional ownership is created (at all levels of income) by folks not wanting to spend so much money on their leisure assets. Even for the wealthy, the cost of a luxury ski lodge in Aspen or the latest super-yacht is going to hurt. So if you are rich you can bring down the cost of owning your luxury yacht or prime Florida real estate. For the rest of us it can be used to bring down the cost of ownership of slightly more mundane items!
Forget about anything you think you know about fractional ownership and consider the following:
A. Think of something that you would like to own or use but can't afford (it has to be something that you don't need to use all of the time). Typical types of things would be leisure assets (second homes, yachts, boats, caravans/RVs, tents), business equipment (expensive and occasionally used machines), or functional items such as a garden tractor.
B. Assess how much this would cost you if you were going to buy it. If you would have bought something used then use this price, not the new price.
C. Consider how many people could realistically share the use of this asset. When working this out you need to think about if the asset has a popular season (e.g. summer for beachside property, New Year for second homes in ski resorts).
Now divide B by C. Doesn't this make your proposed purchase seem more affordable? There is no reason why fractional ownership has to be about luxury (although that is very nice). It can save you lots of money as well. Think about the following examples:
1: A family on a limited budget would like to save money on their vacation (or even afford to be able to go on one) by camping. The problem is that a full camping setup for a family of 5 isn't cheap if you haven't got much money. The fractional solution would be to share the cost with 2 other families in their local area. They would still each be able to go on vacation in the school summer break and take turns at using the equipment through the rest of the summer.
Example 2: If you enjoy yachting why not look at a fractional scheme for a used yacht. This can really bring yachting/boating within the reach of a lot of people. This was exactly the sort of scheme that I got involved with at the age of 18!
Conclusion
I'm not suggesting that fractional luxury ownership schemes are a bad idea, in fact I think that they put some really luxurious destinations within the reach of many more people. I just want to put forward the view that fractional ownership can also be used lower down the value scale to actually save folks on modest incomes money and make their life a lot more enjoyable.
Neil Robertson owns a fractional ownership website where you can read more great articles on the fractional ownership of real estate, yachts, cars etc. You can also use it as a resource to help find partners for your ideal fractional ownership scheme!
Kamis, 17 Juli 2008
Rabu, 16 Juli 2008
The Easiest Lesson About Finance and Investments is This
The easiest lesson about finance and investments is this ...the most difficult thing you'll ever have to overcome is in your head, and it's self-doubt. You are your own worst enemy, and it's difficult to understand why we would be battling against ourselves in an effort to create wealth, but it's true.
In the society of today, we are not all programmed to think with the mindset of the rich. We are not taught that we can have the lifestyle that we choose for ourselves, let alone how to make that lifestyle an actuality. We have been taught to accept less than what we desire for ourselves and our families. Now I don't really know how that came about, but it's about time it stopped for you and your family, don't you think?
The truth of the matter is that in this society in which we live, at the beginning of the 21st Century, there is so much opportunity for improving the lifestyle and living standard, it is practically limitless. We live in a world ruled by money, and the funny thing is, the majority of that money is actually made up, a figment of our imagination. That's another article, but the point is that we can help create some of that 'imaginary' money and make it work for us.
The best part is yet to come - and that is that there are free tools to get you started on this whole journey, this new phase in your life. There is no way that you will be able to do this alone, but don't worry, there is plenty of support out there, just waiting for you to make a decision and take action.
The big question is: "How do I make this happen?" The answer in turn is simple - you need to retrain your brain, and make it your friend and ally, rather than your enemy. To do this you're going to need to de-train what you've been taught about investment and finance, and replace that false information with information which will actually assist you. As sure as I sit here typing this today, you could be taking steps to absorb that new information you need in order to start making the right decisions to create wealth and improve your lifestyle in whatever way and measure that you want.
Take action and take the steps to get that information you need to learn about investing and finance. Don't just swallow what the big organizations tell you, find out for yourself what the best strategy is for you, based on your circumstances and goals for the future. After all, who is the person best qualified to know the true value of your money? I can guarantee that your money means a whole lot more to you than it does to the investment broker or adviser down the street.
Remember - you have to learn before you earn.
To learn more about share trading, stocks, options, cfd's, education, finance, shares, futures, stock options strategies, options trading, investing and a whole range of other things you need to know to gain your financial wealth and freedom you need to visit
http://www.lockstockenbarrel.com
In the society of today, we are not all programmed to think with the mindset of the rich. We are not taught that we can have the lifestyle that we choose for ourselves, let alone how to make that lifestyle an actuality. We have been taught to accept less than what we desire for ourselves and our families. Now I don't really know how that came about, but it's about time it stopped for you and your family, don't you think?
The truth of the matter is that in this society in which we live, at the beginning of the 21st Century, there is so much opportunity for improving the lifestyle and living standard, it is practically limitless. We live in a world ruled by money, and the funny thing is, the majority of that money is actually made up, a figment of our imagination. That's another article, but the point is that we can help create some of that 'imaginary' money and make it work for us.
The best part is yet to come - and that is that there are free tools to get you started on this whole journey, this new phase in your life. There is no way that you will be able to do this alone, but don't worry, there is plenty of support out there, just waiting for you to make a decision and take action.
The big question is: "How do I make this happen?" The answer in turn is simple - you need to retrain your brain, and make it your friend and ally, rather than your enemy. To do this you're going to need to de-train what you've been taught about investment and finance, and replace that false information with information which will actually assist you. As sure as I sit here typing this today, you could be taking steps to absorb that new information you need in order to start making the right decisions to create wealth and improve your lifestyle in whatever way and measure that you want.
Take action and take the steps to get that information you need to learn about investing and finance. Don't just swallow what the big organizations tell you, find out for yourself what the best strategy is for you, based on your circumstances and goals for the future. After all, who is the person best qualified to know the true value of your money? I can guarantee that your money means a whole lot more to you than it does to the investment broker or adviser down the street.
Remember - you have to learn before you earn.
To learn more about share trading, stocks, options, cfd's, education, finance, shares, futures, stock options strategies, options trading, investing and a whole range of other things you need to know to gain your financial wealth and freedom you need to visit
http://www.lockstockenbarrel.com
Selasa, 15 Juli 2008
Acne Solution - What You Need to Know About These Miracle Wonders
There are many ways to prevent acne. As we all know, acne has no cure yet. You can use medications to temporary treat acne out of your face. You can also use different methods.
Acne is the biggest and the most common problem of many people. For me, the best solution or treatment is proper hygiene. I don't recommend any acne cure products for you to use and apply it on your face. Instead of applying some of those, why not apply fruits that contains natural astringent like tomatoes and citrus fruits on your face and let it stay on your face for 15 minutes. You can also use honey and oatmeal depending on your skin type. It will give you smoother and softer skin.
Aside from proper hygiene, one of the best treatment is having a regular and balance diet. Avoid eating unhealthy food, like junk foods and oily foods. Eat those that are rich in vitamins C, A, E, Zinc, B5, Selenium, Vitamin B-complex and chromium.
Expose yourself to natural sun and air. Staying out at least 30 minutes in the morning is enough for you to get vitamin D from the sun. Drink lots of liquid as well. At least 8 glasses a day is not bad.
There are many products for acne treatment. Sometimes, using these products gives you more damage on your skin and resulting in a bigger problem. Remember that, our skin is the biggest organ in our body; it is always exposed to dirt that can cause acne. So, it is us who are responsible to take a good care of our skin.
Aside from acne treatment products and proper hygiene, you can use Tea Tree Oil, one of the most effective topical acne treatments. Also try ginger and garlic, it improves our immune system and it helps reduce the inflammation caused by acne.
One of the ways to prevent acne is detoxifying and exfoliating. Both are a big help because they work on severe and stubborn acne.
If you are going to use an acne cure product, and you prefer using them, you can use any Panoxyl product. It is very effective and you may see the results in just a couple of weeks. You can choose any variant, there's cream, acne-gel, facial wash and cleanser. These products contain benzoyl peroxide, this chemical is highly flammable, explosive and may cause tumor if properly handled. Benzoyl Peroxide acts as an anti-bacterial and cleansing agent. The most effective treatment, they say is the Zyporex. It is a fast healing acne treatment.
Some people even recommend the use of toothpaste on the affected areas to cure acne. Strong toothpastes may burn your skin, if this happens to you, stop applying it.
Here are 5 nutrients that are effective on treating acne: Zinc, treats and prevent acne. Vitamin A gives you healthy skin. Vitamin E normalizes anti-oxidant, selenium works with vitamin E and chromium that heals acne. The above mentioned are just some of the acne solutions on treating your acne. You can apply any of those but make sure that proper hygiene is always observed.
For more Acne Articles visit LastSkinCare.com
For more information about Acne Treatments visit Acne Treatments - LastSkinCare.com
Acne is the biggest and the most common problem of many people. For me, the best solution or treatment is proper hygiene. I don't recommend any acne cure products for you to use and apply it on your face. Instead of applying some of those, why not apply fruits that contains natural astringent like tomatoes and citrus fruits on your face and let it stay on your face for 15 minutes. You can also use honey and oatmeal depending on your skin type. It will give you smoother and softer skin.
Aside from proper hygiene, one of the best treatment is having a regular and balance diet. Avoid eating unhealthy food, like junk foods and oily foods. Eat those that are rich in vitamins C, A, E, Zinc, B5, Selenium, Vitamin B-complex and chromium.
Expose yourself to natural sun and air. Staying out at least 30 minutes in the morning is enough for you to get vitamin D from the sun. Drink lots of liquid as well. At least 8 glasses a day is not bad.
There are many products for acne treatment. Sometimes, using these products gives you more damage on your skin and resulting in a bigger problem. Remember that, our skin is the biggest organ in our body; it is always exposed to dirt that can cause acne. So, it is us who are responsible to take a good care of our skin.
Aside from acne treatment products and proper hygiene, you can use Tea Tree Oil, one of the most effective topical acne treatments. Also try ginger and garlic, it improves our immune system and it helps reduce the inflammation caused by acne.
One of the ways to prevent acne is detoxifying and exfoliating. Both are a big help because they work on severe and stubborn acne.
If you are going to use an acne cure product, and you prefer using them, you can use any Panoxyl product. It is very effective and you may see the results in just a couple of weeks. You can choose any variant, there's cream, acne-gel, facial wash and cleanser. These products contain benzoyl peroxide, this chemical is highly flammable, explosive and may cause tumor if properly handled. Benzoyl Peroxide acts as an anti-bacterial and cleansing agent. The most effective treatment, they say is the Zyporex. It is a fast healing acne treatment.
Some people even recommend the use of toothpaste on the affected areas to cure acne. Strong toothpastes may burn your skin, if this happens to you, stop applying it.
Here are 5 nutrients that are effective on treating acne: Zinc, treats and prevent acne. Vitamin A gives you healthy skin. Vitamin E normalizes anti-oxidant, selenium works with vitamin E and chromium that heals acne. The above mentioned are just some of the acne solutions on treating your acne. You can apply any of those but make sure that proper hygiene is always observed.
For more Acne Articles visit LastSkinCare.com
For more information about Acne Treatments visit Acne Treatments - LastSkinCare.com
Langganan:
Postingan (Atom)