Drunkgirliess

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU! You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only. Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn. Since these advisors are […]

In the last few months we’ve seen a lot of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. Every time that happens, the media gets hold of it and all kinds of articles are written in the Wall Street Journal, the New York Times, and the TV network news programs talk about it. All the analysts start talking about the pros and cons, and what it means to businesses and individuals. The problem with this is, many times one writer looked at the regulation, and wrote a piece about it. Then other writers start using pieces from that first article and rewriting parts to fit their article. By the time the information gets widely distributed, the actual regulations and rules get twisted and distorted, and what actually shows up in the media sometimes just doesn’t truly represent the reality of what the regulations say. There’s a lot of misunderstanding about what is going on with ObamaCare, and one of the things that I’ve noticed in discussions with clients, is that there’s an underlying set of myths that people have picked up about health care reform that just aren’t true. But because of all […]

If you are in the market for a new buggy and you do your research online, almost every review you will read about the Maclaren Techno XLR pushchair is favourable. Every owner who gave their feedback about this baby stroller usually have only good things to say about the XLR, which is probably why it’s one of the most popular and highly rated pushchairs around – but is it the perfect pushchair for your needs? Read on and find out. Maclaren Techno XLR: The Pros The Techno XLR is Maclaren’s version of a luxurious Techno XT which is one of the bestselling pushchair in the Maclaren range. So if you like the XT but want the best in both functionality and comfort, the XLR is the one for you. Most owners have observed that the XLR pushchair is very sturdy/durable even after prolonged, daily use. It is no wonder that Maclaren is known for excellent workmanship. For parents who are aggravated with logging around their pushchairs in public transportation, the XLR offers them the solution. It is so easy to push up curbs and maneuver around tight corners. This feature makes it different from the rest. Another benefit of using […]

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled. The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances: 1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character; 2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification. First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the […]

Explore Paros beaches, sites and attractions. The Port of Paros is in Parikia (the capital) which is situated on the western part of the island. Parikia is a well-developed tourism infrastructure town offering lots of accommodation units, beaches and archaeological sites to visit. There are also daily flights from Athens to Paros (4 flights per day – 45 minutes flight), with Olympic Air. Paros is the third in size island in Cyclades, after Andros and Naxos, with a total area of 195 sq. km and 120 kilometers of shore and beautiful sandy beaches. Apart Parikia which is the commercial center of the island, the most beautiful village in Paros is Naoussa, which is much more picturesque and has a lot of beaches and attractions to offer. The center point of interest is around the small fishing harbour of Naoussa where are situated some of the best restaurants, fish taverns, caf├ęs and bars of the island. Near Naoussa are some of the best beaches of Paros, awarded with the “blue flag” sign. In this article we will talk about things to do in Naoussa Paros during the day. Get up early in the morning, have a rich breakfast at your hotel […]

How many times a week do you wake up and just hate the way your hair looks? Is your hair too frizzy, too dry? Is it too thick, too thin? Do you have a unappealing hair cut? Do you ever get compliments on the way your hair looks? Don’t despair, because there is hope for your hair style. The options for changing or fixing your hair are many and whether you are willing to spend thousands of dollars or just a few dollars, there is something that you can do. Some of the major hair problems are Damaged Hair, Frizzy Hair, Thinning Hair and Unflattering Hair Styles. There are quick, inexpensive fixes. See below for complete details: Damaged Hair: The easy fix for damaged hair is deep conditioning treatments. Ask your hair stylist for the best product for your hair, or take a trip down the hair products aisle at your local drugstore. If your hair is extremely damaged, you may want to start with a once weekly deep conditioning treatment. Wash your hair normal in the shower and towel dry. Apply the deep conditioner all over the hair and wrap the hair with plastic. The plastic helps to keep […]

Every woman starts to become interested in skincare as she ages and sees those fine lines forming around her eyes and mouth. Those wrinkles and sagging skin that just doesn’t glow like it used to. And many women start to realise that natural skincare products are by far the best skincare products. But how do you find the best natural skincare products? However the first question to ask is why would you want to use natural skincare products? What does “natural” mean and what is the difference between “natural” skincare products and other skincare products? There is no formal definition of “natural” when it comes to skincare and anti aging products. However to me “natural” means “safe” skincare products. Safe? Aren’t all skincare products safe? Why would they be unsafe? Sadly the answer is that not all skincare products and anti aging products (or cosmetics or beauty products for that matter) are safe. It is gradually becoming known that many skincare and anti aging products and cosmetics, perfumes, body care and beauty products contain ingredients that may in fact be damaging to your skin or even your health. I first became aware of this when my young daughter had a […]

Owning and running your own small business is a great thing to do, but it is not always easy. If you want to have success with your small business, there are some ways to do it, though. Here are some small business tips to maximize your profits and minimize your headache, even early on with the business. The first of the small business tips that you need to remember is that in the early time of the business, you want to keep your profits as high as possible. This is not always an easy thing to do because often, especially when your business has first opened, your customers are pretty low, and therefore your money is pretty low. In order to make this happen, keep your spending as low as you can. Avoid buying anything that is unnecessary in order to keep all the money that you can. Another of the great small business tips that you can use is about advertising. If you want to get customers, which are necessary for the success of many businesses, you will have to advertise in order to get them. Advertising is something that you should always make room for in your budget. […]

Any business (and affiliates and marketers) that engages in interstate commerce will be subject to federal laws. Interstate marketing and advertising practices are regulated by the Federal Trade Commission (“FTC”) under the FTC Act. Services and goods offered through the Internet are considered to be a “use in commerce” since the services are available to a national or global audience. The FTC regulates Internet advertising, marketing activities and sales to consumers as the watchdog agency. The same consumer protection laws that apply to commercial activities in other media apply to the Internet. Under Section 5 of the FTC Act, illegal advertising practices are categorized as either an unfair method of competition or an unfair or deceptive act or practice. Any activity that is likely to cause consumer confusion as to source, sponsorship or affiliation of any good or service is essentially an “unfair” act or practice under the FTC Act. However, the real culprit for interstate businesses, affiliates and other Internet marketers is avoiding advertising claims which are unfair or deceptive. There is no hard definition of what practices are considered “unfair” or “deceptive,” under the FTC Act. But, in the simplest terms, all advertisements: must be truthful and not […]

Destination weddings have become incredibly popular over the years, and for many newly engaged couples, the interest in getting married in the Caribbean is increasing every day! After talking with many of my clients that have visited our travel agency to inquire about a destination wedding, they seemed to all agree that getting married on a Caribbean Island or even on a Caribbean Cruise is something they have always desired. The exotic locale, convenience, value, and stress free environment it fashioned were some of the many reasons couples find this option very appealing. Before I talk more on the Caribbean, allow me to first talk a little bit about who I am, and the reason why I view the Caribbean as a popular wedding destination choice. Back in July of 2000 I attended Travel College, and this is where I met this beautiful Italian girl in my class named Maria. It was clear that the both of us were on the same path of becoming professionals in the travel industry, and at the time we never knew what we were about to experience. Once we graduated, Maria and I were immediately employed by different travel agencies that soon opened up […]