A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward.

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Healthy Male Organ Maintenance: 4 Not-So-Obvious Tips

Healthy Male Organ Maintenance: 4 Not-So-Obvious Tips

There are a lot of healthy male organ tips that may seem overly obvious – which does not mean one should ignore them, of course. Many of the most obvious ones, such as checking for social diseases or practicing good male member hygiene, are the backbone of appropriate male organ care. But there are some methods of ensuring a healthy male organ that can not happen to a guy. That does not mean they should not be followed, however.
Keep the teeth clean. Healthy Male Organ Maintenance: 4 Not-So-Obvious Tips

Pay attention to oral hygiene.

One may well ask why the state of one’s teeth and gums should have any effect on an organ that is several feet away and not directly connected to the mouth.

Yet oral health can have an impact on manhood health. Several studies have found a link between gum disease and tumescence dysfunction. When teeth are not kept healthy, bacteria forms. The immune system attacks these bacteria, but some seep into the bloodstream. When too much of them build up in the blood, it can damage blood vessels and subsequently blood flow. And good blood vessels and blood flow are essential for proper member functioning. So it’s strongly advised to brush and floss properly every day.

Careful with the laptop.

Modern communications are a marvel which allows us to access tons of information just about anywhere. It’s now a common sight to see guys sitting on trains, benches, sofas, etc. with a laptop cradled on their laps, tapping away for hours on end and reaping the benefits.

And also possibly reaping the detriments as well. Placing the laptop so close to the crotch may not be good for maintaining a healthy male organ. A lot of heat disruption with long-term laptop use, and high levels of heat on the sack can have a negative effect on both male seed creation and male hormone production. So, guys, keep the laptop on a table and off the mid-section whenever possible.

Beware cold and allergy medicine.

No one wants to have a cold or an allergy, but for that. Many over-the-counter medicines used for colds and allergies include pseudoephedrine, which can have a negative effect on tumescence function. (In fact, one of the treatments for priapism – a dangerously long-lasting firmness – is pseudoephedrine.) If possible, need to utilize treatments that do not contain this ingredient.

Kick butts.

This does not refer to getting into a brawl but to kicking the smoking habit. Smoking is simply bad for a person, period; one reason why this is so is that it does damage to the manhood. Smoking is another factor in blood vessel damage, and a significant one. One study has shown that the men who gave up a substantial boost in the number and quality of their organ firmnesses in as little as 8 weeks.

In addition to these more obscure tips for a healthy male organ, there is a very important one: regularly apply a superior male organ health crème (health professionals recommend Man1 Man Oil) to the manhood. The appropriate crème will address many common manhood health issues. For example, a crème with L-arginine helps with male member blood flow issues. L-arginine boosts nitric oxide production, which in turn plays a role in keeping those vessels healthy and open. In addition, a crème with a potent antioxidant such as alpha lipoic acid further aids in general male organs health. Alpha lipoic acid fights harmful oxidative and aging processes in member cells, keeping at bay the early on aging of the cells and improving the overall look of the organs. The simple step of applying Man1 Man Oil can enable a man to maintain a higher manhood of health profile with ease. Healthy Male Organ Maintenance: 4 Not-So-Obvious Tips

Test Scripting Vs Exploratory Testing: Who Wins?

Are you looking for the best way to test your latest software and are not sure whether trial scripts or exploratory testing fit the bill?

Lately, the latter is the beginning of agile development. However, the test script has proven its effectiveness over time.

As a software engineer or test manager, it’s up to you to compare the two and decide.

We have gone ahead and done the work for you. Read on for a quick comparison of these two popular methods to help you decide which one is best for you.

Test Scripting and Exploratory Testing – Basics
The test script is a series of complex instructions that the testers must follow to see if the desired result is achieved.

Provided intensive preparation is carried out, this method should cover all bases when it should uncover software errors. It is so detailed that you can even get a machine to do it for you.

What is an exploratory test used for that? This procedure depends on the experience and intuition of the examiners to eradicate the error for themselves. They are not supplemented with the expected results previously.

In this way, from script testing has the benefit of creating scenarios that may have been ignored by the script writer.

Comparative studies have proved that explorative testing shows more errors faster than scripting.

Blow by Blow Comparison
The following are revealed when considering the most important test factors:

Domain Knowledge

This is important for effective explorative testing. This is not a factor when rigid script testing procedures are used.

Test dependencies are better managed by scripting test. Unsold tests depend on the expertise of the tester to manage them.

High level documentation and important waiting times are required for written tests. Exploratory testing does not require, as long as the domain knowledge is adequate.

When it comes to efficiency, it is time consuming and difficult to make detailed scripts. There is no comparison to the quick nature of the test without a script.

Exploration test

It does not provide clear and measurable coverage. It relies on testers to document their findings. The script test involves the recording of detailed and formal records.

The script test formally verifies the result against the specified specification. The untested test is based on testers’ expectations and domain knowledge.

High-risk areas can be discussed in detail with the test script. There is a possibility this may be overlooked by exploratory tester.

Testing can be reproduced accurately with scripting test. Only defects can be reproduced with a less formal approach.

The winner is?
As the deadline looms and you need to test the key aspects of your software quickly, exploratory testing is the answer. This is a cost effective method if your project is quite easy, just like a simple information site.

It is often a good idea to perform complex tests initially and then follow up on testing without notes. Exploratory testing closely mimics the interaction of the end user with the software. It also allows the intricacies of human interaction.

Who wins? You do You have the option to choose from two proven tactics for each stage of your software development.

A minimal architectural intervention in a garden

A minimal architectural intervention in a garden  by Fran Silvestre Arquitectos materializes as a 70 sq. m. guest pavilion, an extension to a residential project by the studio in Valencia, Spain.

The pavilion, set amidst a centenary olive tree, a deciduous liquidambar sieving sunlight depending on the seasons and a pomegranate tree all standing tall, seamlessly links with the garden. Located approaching one of the limits of the land, perpendicular to the pool, the built piece has minimal impact on the garden, offering unrestricted views to the main house, save a slim opaque façade, almost an art piece in the garden.

A minimal architectural intervention in a garden

The ground floor of the structure is set slightly below ground, making the single-storeyed structure appear exactly in line with the garden, while giving it a sculptural quality. Stark white facades composed of thin, clean lines and frames preserve its contemporary and geometric feel. A passageway between the compound wall and the pavilion becomes a natural oasis amid the landscaped setting offering visitors an informal courtyard space, a link between the active pool area and solitude within the pavilion.

The bedroom and living space along with a kitchen, and bathrooms serving the pavilion and the pool offer comfortable spaces to experience living in a garden. The spaces can open up more discreetly towards the courtyard or completely open up to the domesticated nature of a consolidated garden by means of a darkening system to control its operation. The piece allows for privacy, as well as an easy transition between the interior and exterior through sliding glass doors; the stark contemporary and minimal interiors in white and grey decorated with natural views.  A minimal architectural intervention in a garden

Bed Bug Heat Treating Equipment

Bed Bug Heat Treating Equipment

Bed bugs can be more than just a nuisance – they are a serious health hazard for many Americans. Like mosquitoes and lice, bed bugs are parasitic insects that feed on human blood and other animals. This can cause severe itching and rashes throughout the body. Finding and killing them can be very difficult because they love to hide in the darker areas of the house, not just between the mattresses. One of the best treatments is to use hot bed bug treatments at St. Louis.

Remove Everyone Bed Bug Heat Treating Equipment

Bed bugs can not live in hot conditions above 122 °. Pest control technicians will raise the interior temperature of the house to a range between 135 ° and 145 ° to enter the walls and floors where sleeping insects want to build their colony. High temperatures can also kill insects that stay in bed or other difficult places to find a place. High temperatures can also affect not only domestic pets and humans, but also softer plastic or vinyl items. The pest control technician will have any list at home that can be exposed to high temperatures. All of these need to be removed and treated separately. Bed Bug Heat Treating Equipment

Safety first

One of the biggest reasons to hire a technician who has been trained in heat treatment is safety. They control the giant heater that can damage the house and they must understand how the heat will affect it. Bricks and concrete react differently to heat than wood or metal. Bricks and concrete will thrive and move, undermining the support they provide. The metal will also widen but it can soften and bend and everyone knows what happens with the heated wood. Technicians also need to know how the heat will affect the various safety features in the house. Heat can not only turn off the fire detection system, but it can melt the burglar alarm panel.

Monitor Temperature

The first thing a technician will do is find the volume of the house and determine how much heating is needed. They may use one heater that is moved from one room to another in a smaller house. This makes one room a hot spot and potentially damaged. Larger rooms may require several heating units to prevent insects from escaping into the cold zone. No matter how many units are used, temperature sensors are placed in every room to make sure they are hot enough.

Follow

While heat treatment is the most effective method of dealing with sleep-bug problems, there is no action to prevent future infestations. That is why a comprehensive plan should be developed before bed bugs are detected. Regular checks for different types of bugs can detect them early and make control easier. Preventive chemical action can be implemented in high-risk areas to prevent insects from entering the house. Once the colony is killed, the chemicals can be used to treat their favorite nesting areas in order to be less desirable of the new generation.

The running equipment you need to buy

The running equipment you need to buy

1. Running Shoes
You can not just get some fancy sneakers and declare them to be your running shoes; there are some very important considerations to make when choosing these shoes. For starters, you need to be aware of the weight of the shoes you are comfortable with. Most of the times, lighter weights are preferred, but there is a range in the light series as well.

 

Moving on, you need to consider the durability of the shoes along with how hot it gets inside when you wear it. If it is very heavily covered allowing no pores for air to enter, then it will turn out to be very problematic after the very first half hour or so.

2. Appropriate running clothes

You might have the best cotton t-shirt ever which is the best for running, but on your very first run in the clothes. The t-shirt should not be baggy so that the air friction does not make you exert more energy than you should to run the same lap. The same goes for the shorts / trousers you choose.

In addition, you need to check the quality of the sports t-shirt / bra that you choose and make sure that it sufficient aerial passage. You should always try to buy two so you have sufficient time to wash one while you wear the other.

3. Water Carrier

While running long distances, there is no question that you will need water, and everyone is not lucky enough to have a running track right by his / her house. In this case you need to have a water carrier that you can take along with you weight loss a hindrance in your performance.

Sports shoe stores offer bottles attached to gloves for runners and you should not miss out on getting one of those.

4. Sports Watch

After a few weeks of running you will see how much you end up improving. These times make the sports watches very important.

Significantly so, these watches are very resilient when it comes to falls and damage, so you can run without worry.

5. Ice Pack

An ice pack is the best way to treat minor injuries temporarily, and you should have one wrapped up in your running backpack in the case of any emergency, because there is no guarantee that you will have a running partner with you.

Your Product Photos Glance at Instagram

Your Product Photos Glance at Instagram

In today’s digital everything is getting easier and easier. Includes sales, just product photos, type caption, upload, finish. But actually not as simple as that in online sales. Especially the product photos, nobody can just check and upload it. Moreover, old school photo representation of products that you sell.

1. Know your product to know which is the best corner of your product

Not just fitting to  you have to know the couple, to examine the therapeutic angle of the product you are also absolutely necessary. If you want to sell food, of course you will photograph your food in full-shot. But you also have to look at any angle that can be photographed.

Suppose you want to sell macaroni with melted mozzarella cheese, you ga must be glued to your photo of macaroni in full. You can also explore by taking a corner from above or focusing on the melt. Most importantly you should recognize your product and explore every best corner of your product. Guaranteed your photograph getting glimpsed because

2. The concept of shooting is not just for  wedding , photos of your products also need a concept

Your Product Photos Glance at Instagram

Well, the concept also must be considered. Do not get your photo finished so. Remember, first impression is the key. Do not let your prospective buyers do not understand what concepts and products  you sell. Just like the first step, your exploratory sensitivity should be sharpened. You can also use the model if needed.

3. Prepare the right camera and lighting

 

Do not have to use professional cameras like DSLR or mirror less to get a good photo. Just use the camera on your phone! As long as your camera is still functioning well, the results are sharp, and that focus is enough. You can apply the rules of Rule of Third or one-third rule.  once review it if you want to know the rule.

Lighting should not be missed. This is important for your photograph to be more alive. Try using the lights that are tilted and above the beam.

4. Do not Fear Failed. If It’s Wrong, Just Repeat Only!

Your Product Photos Glance at Instagram

If you are not satisfied with the results of your shots, just repeat. Instead of the results do not make you happy and prospective buyers fail to buy your product.

5. Let your product photo more alive, photo editing is also required, Origin is not excessive

 

This last one is not absolute, but rather necessary. In editing, your sensitivity is again needed to let your photograph be nice to see. Never use an editor like 360 ​​or B612. I swear it’s not! If you are professional, usually edit photos using Adobe Lightroom. If you feel complicated, just use the application Snapseed and VSCO. Guaranteed your photos will feel aesthetic. Do not overdo it.

How Dungeons and Dragons Saves Lives

 

Dungeons and Dragons has come a long way over its forty year history. Since it was released in 1974, it has allowed countless gamers to go on magical adventures with their friends.

By 2004, it is estimated that over 20 million people have played Dungeons and Dragons, and that number is only continuing to grow.

While for many, Dungeons and Dragons is just a fun social past-time, the game has had an impact on a number of players in a much more dramatic way. A number of people credit their success to Dungeons and Dragons, even saying that the game has saved their life.

In this blog post, we’ll go through some of their stories.

Fostering Creative Roots
As the original open-world fantasy game, Dungeons and Dragons has always fostered creativity and imagination. Many artists, authors and game creators credit Dungeons and Dragons.

This is because the games allow you to use your imagination to solve problems. You and your friends are basically creating your own narrative within the bounds of a story and world.

It allows you to try out different character traits. You can gain empathy by considering how your character – who may be very different from you – would react in a given situation.

Countless authors credit Dungeons and Dragons with teaching them the basics of literary creation. George R. R. Martin, the author of the book series “A Song of Ice and Fire” – more widely known in TV form as Game of Thrones – played as a child.

Stephen Colbert, Robin Williams, Matt Groening (who created “The Simpsons”), and Dan Harmon (creator of the TV show “Community”)

Jerry Holkins, the co-founder of the wildly popular web comic “Penny Arcade” played Dungeons and Dragons avidly throughout his childhood and teenage years.

All of these authors and creators credit Dungeons and Dragons give them the storytelling start.

From Having Fun to Saving Lives
While being such a powerful source for creative development is pretty incredible for a game, Dungeons and Dragons means so much more so.

A number of people credit Dungeons and Dragons with having saved their lives.

In spite of the negative media that surrounded the game in its early years, many people began to play it. They were accused of being nerds, losers, and outcasts.

During the 1980s, the game was even accused of being part of a Satanic ritual.

So why did so many people play?

Finding Like-Minded Friends
When playing Dungeons and Dragons, you can not help but bond with your party members. You and a small group of people make a commitment to spend time together, meeting up regularly.

The continuation of your story together is a powerful pull to make sure that these meetings continue to happen.

Plus, you get to interact in a friendly, open environment. You know that the people playing with you are interested in the same things you are.

You do not have to feel weird about your interest in fantasy; instead, you can be completely open about what you love, because you know that your party loves them too.

Plus, even though you are only playing as characters in a story, the way you progress through the narrative helps you bond. Sure, the goblin hoarde you slayed together was not really about to kill you, but the relief that your characters pulled together and survived makes you all breathe a sigh of relief.

Throughout its history, Dungeons and Dragons has represented in popular culture.

It has brough people who may not have been able to relate to others since they could never find people who really understood them. It is especially important for people who have difficulty relating to others, such as people with autism.

Developing a Sense of Self
Dungeons and Dragons allows you to build a character that you roleplay as. This character can be anything you want. It does not have to be a reflection of who you are.

This is one of the things that makes Dungeons and Dragons so wonderful for more introverted people. They can try on the traits of another person, say things that they would never say.

A shy teenager can become a courageous warrior, a powerful barbarian, a mysterious ranger, or a wise-cracking rogue. They can try out other ways of acting in a safe environment.

Any embarrassment for saying something stupid or doing the wrong thing falls on the character, not the player, so there is no need to be anxious.

While some may sound like simple wish fulfillment, it actually has strong psychological effects. The game improves social skills, communication, teamwork, and problem solving by creating a non-threatening environment for experimentation.

All of this helps someone develop a stronger sense of self and confidence.

Many people as a journalist Levi Miles has written about how Dungeons and Dragons increase

Male Organ Enlargement Products – Are They Really Safe

Male Organ Enlargement Products – Are They Really Safe

The male organ enlargement industry has been feeding men’s unwarranted fears about manhood size for years. Some people have gotten rich off the promises they’ve made to anxious men – promises that likely fall flat. But in addition to concerns over effectiveness, should also pay attention to the fact that such products and techniques, no matter how natural, may pose risks to male organs health.
Jelqing

Jelqing is a manual technique that is meant to stretch the male organ. A man performs this move by forming a circle with his pointer finger and thumb around the base of the organ, then pulling upward with light pressure to just beneath the head, following the other motion with the other hand. This is repeated for up to half an hour, with each stroke lasting about 3 seconds.

Jelqing may appear to be similar to self-pleasuring, but it’s not the same. It’s hard to determine the “right” amount of pressure to apply. It’s also not safe to perform on a hard male organ, and the motion should not involve the head. Disregarding these safety notes, or performing the move with too much pressure or too intense a rhythm, could lead to pain, blood vessel damage and even scar tissue formation. Male Organ Enlargement Products – Are They Really Safe

Stretchers

Some men are so eager to size that they’re willing to stick their members into odd contraptions that stretch them out or to hang weights off them almost all day, every day. These devices are not well studied, so the extent of the associated risks is not known. It is possible that we can get risks, including: burst blood vessels, tissue death, nerve damage and torn tissues. Of particular interest to the gospel of the arduous use of stretching devices will likely come at the expense of girth. For many people, girth is an important component of sensual enjoyment.

Pumps

Male organ pumps are designed for guys with performance dysfunction; they force blood into the male organ, facilitating tumescence for people incapable of achieving that state on their own. This is an important medical device, then. But some guys use them recreationally, with the hopes that they will make their members bigger.

While a male organ pump may cause a temporary swell, it is not going to lead to a permanently larger member. Pumps can lead to some pretty unsavory consequences, however, including skin dots from bleeding under the skin and, with prolonged or frequent use, damage to the elastic tissues of the members that facilitate strong tumescence. Think about that: Is it a pipe dream worth damaging sensual capacity over?

Tablets

Many tablets are marketed to increase male organ size; as “natural” products, they may seem perfectly safe. And some of these tablets may even contain nutrients that support the organs of health in a number of ways, such as by benefitting the circulatory system. However, the supplement market is not regulated. It’s generally impossible to know for sure what exactly one is getting, since manufacturers may not report all ingredients, or may report some that are not actually in a product. (Not to mention, nutrients can not make the male organ bigger anyway!) Remember: Natural does not always mean safe.

Creams

Applying a cream to the male organ may seem like a good way to make it bigger – getting the good stuff directly on the member. As mentioned above, no nutrients are going to make the male organ bigger. Creams that tout enlargement capacities may contain ingredients that can irritate the delicate skin.

However, not all creams are made for the male organs for the spurious purpose of enlargement. Products actually worth investing in are those that support the health organ, and a moisturizing cream can be a great addition to a man’s care regimen. A male organs health crème (health professionals recommend Man1 Man Oil) with Shea butter and vitamin E will nourish and hydrate the skin, preventing dryness that often occurs from chafing. Keeping the skin supple and vibrant is important both for maintaining a beautiful manhood and for preserving sensitivity into the future. If a man wants to enhance his male organ, he ought to focus on its health and relax about its size. He can learn how to use what he’s got, and treat it right to keep it going strong in the long run. Male Organ Enlargement Products – Are They Really Safe

Types of Lumber: The Basics

Types of Lumber: The Basics

Are you looking to start up a woodworking hobby? Perhaps you’re doing some investigating before you start planning to build your own home. Here’s an overview of the different types of lumber out there from E.L. Morse Lumber to get you started on the right track.

Softwood and Hardwood Types of Lumber: The Basics

Different types of trees produce different softness or hardness in the lumber made from them. Coniferous trees, ones with needles like pines, firs, and spruces, usually have softer wood. They’re soft enough to splinter and break from a person’s bare hands, and have to be specially treated over time. It’s interesting that these rough-on-the-outside trees produce softwood lumber, while trees like maple and mahogany produce more stiff, resilient hardwood lumber. Hardwood trees take longer to grow, which is one of the reasons why the wood is so much more expensive.

Classifications of Lumber Types of Lumber: The Basics

All it takes is a glance out your backdoor to see that trees don’t all look the same, even when they’re the same type of tree. So it is with lumber. Not all pine trees will produce the same kind of lumber, which is why they are classified for different uses depending on their characteristics.

Yard Lumber

Yard lumber is one use of softwood, and it’s used in regular construction projects. Depending on the quality, yard lumber comes in different grades: common and select. There’s a no. 3 common, a no. 2 common, and a no. 1 common, 1 being the highest quality grade of common lumber. This highest grade will have a few small, tight knots in it. No. 2 has larger knots and works well in paneling or making shelves. No. 3 has the biggest knots, and does better in fencing or making crates. Select yard lumber has very few to no knots in it at all. The fewer defects in the wood, the higher the select yard lumber grade.

Structural Lumber

Then you have structural lumber. This type of lumber is what a standard 2×4 or 4×4 is made of. It’s typically tested to see how well it will stand up to stress, and different stress grades are used for different purposes. Structural lumber is a diverse material that can be used in a wide variety of accent areas throughout a building. Light framing and structural light framing are done with this type of lumber. Structural joists and planks, as well as beams and stringers, are made up of this lumber type as well. Then you have studs, posts and timbers, and appearance framing at the very end of it all to give it a polished look.

Shop Factory Lumber

Then there’s shop factory lumber, the type of wood that isn’t meant for building large structures. This is the kind of lumber you’re looking for to build doors, pencils, ladders, or any other hodgepodge items that require wood to be manufactured.

The kind of lumber you use is directly in correlation with the kind of work you’re doing. If you’re looking for a bid on your next project, it’s a good idea to get a quote from a lumber company such as E.L. Morse Lumber to get an idea of your costs