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A Personal Story: Evaluating Your Investment Portfolio

Retire with peace of mind by making sacrifices at a young age and living a disciplined lifestyle. Once you get in the habit of saving and investing, you can expect to start increasing your personal wealth. Due diligence and regular inspections of your finances should ensure a promising retirement for you.

Funny Girl Student With Glasses Reading Books

The first thing I did was to determine what kind of retirement I wanted. This helped me to determine how much money I would need to make it happen. I started by calculating my daily expenses and increasing them every year of my life expectancy, a trick I learned from my grandfather and Next I determined what my portfolio should look like. From then on I checked on my investments regularly, just to see how they were doing, but a re-evaluation was not really necessary unless I intended to add, delete, or change my investments.

I was fortunate to learn a little about investing from my grandfather at an early age. He did not know a lot, but he did know the importance of saving money and not to just dabble in the stock market by jumping around from stock to stock. I filled in the blanks with my own research by asking experts and reading financial articles. All types of portfolios agree that the amount of risk I am willing to take, diversification of investments, and saving money are essential to having money for retirement, and that my age would determine how this would change over time.

Risk is a part of all investments. As a younger person in my twenties, I was willing to take a greater risks. I was in a position to buy into several different companies that seemed sound to me.  Stocks are more high-risk, but I made sure that I could afford to lose what I invested, that my livelihood did not depend on the performance of my investments. Some provided steady income, and some only showed a return when their value increased. I took Warren Buffett’s advice and did not invest in any company that I did not understand, and I slept great at night by avoiding those “hot tips” from other investors.

Preparing for the worst was the best way for me to diversify my portfolio. I looked to and to tell me about different types of investments, and turned to for specific definitions of terms when I needed it. Together they gave me free and solid advice and information. According to these sources, my investments should be designed to counter any losses that I may experience with any one of them, and provide other sources of revenue. I attempted to stabilize my portfolio by investing about 50 % of it in domestic and foreign exchanges, 40% in fixed-income securities, and the rest in cash.

By investing in domestic and foreign exchanges, I relied on different economies that usually were not directly connected to one another, like the United States and companies in other countries that do not depend on U.S. economy to thrive. I also chose to invest in real estate through mutual funds. I invested with others in office buildings, apartments, shopping malls, and warehouses in the United States and abroad.

My fixed-income securities were government bonds. I was practically guaranteed thousands of dollars in increase on tens of thousands of dollars of investments. I got a percentage of the investment in increase, plus the original investment of the bond.

I also learned from www.time. com/money that certain credit cards are better for loans, financing, bonus points, etc. I use them to purchase necessities like groceries and gasoline, utilities, etc., and pay them off every month. I save myself finance charges and consistently build my credit.

My cash assets were in CDs and savings accounts. I took advantage of a company-matched 401(K) and maximized my IRA, which allowed me to save a sizable amount to put in my personal savings or invest in my fixed-income securities. My grandfather was also wise enough to leave me money as a beneficiary of his life insurance policy. This allowed me to collect the full amount of my benefits without taxes or fees incurring. This is a part of the money I invested in my portfolio.

By the time I retired, my portfolio remained diversified, but reflected a shift in dynamics to roughly 20% in the exchanges, 45% in fixed-income securities, and the rest in cash. I was able to live in retirement instead of having to work to supplement it.


The Coolest Summer Camps in The U.S.A

group of kids shouting or singing with cupped hands

Looking for something new and exciting for the kids to do this summer? Prepare for an amazing experience this summer at one of these intensive summer camps; from thrill rides to animal encounters and even a Major League Baseball experience, these are some of the best camps in the country.

8 of the Coolest Summer Camps in (and Near) the U.S.A.

Animation Camp at the Walt Disney Family Museum

Kids from age 8 -18 can learn about working in animation, from paper to screen at this delightful camp by the movie studio that started it all. Not a theme park, the Walt Disney Family Museum camp focuses on educating kids and teaching the ins and outs of animating. Depending on their age group, kids can learn to create their own short film, track the making of an animated movie from the initial sketch to the screen or learn about the artwork that goes into making an animated classic. Costs for these one week programs depend on the age group and program chosen, and range from $300 per young child to $900 for older teens.


Summer Camp at the San Diego Zoo

Kids from 1st to 12th grade can enjoy a diverse group of educational experiences at one of the top zoos in the world each summer. Programs focus on animal, their behaviors and habitats and instill a love of animals and learning that will last a lifetime.  Topics at Zoo Camp this year include Animal Outlaws, Backstage at the Zoo and Epic Survival of the Fittest.Each camp runs for a full week and  rates begin at $229 per student.


Space Camp at Kennedy Space Center

Learn about engineering and the marvels of outer space at this NASA approved STEM camp at Kennedy Space Center. Kids will learn about the rockets, robots and space stations that power our knowledge of the universe and get to explore everything the center has to offer. This weeklong camp is offered each summer and designed to develop interest in engineering, math and problem solving and is for grades 2-11. Tuition for Space Camp is $295 per child per week; this rate does not include tax.

Summer Explosives Camp at Missouri Science and Technology

Blowing things up – the right way. At this one of a kind camp experience, kids will learn all about explosions and safety. Designed with a strong STEM and safety focus, this unique Missouri S&T experience culminates in a student run fireworks display. Explosives Camp is a one of a kind program with a competitive entry process; once a student is accepted, the tuition is $1,400 per week, which includes room and board.


Fiji Shark Studies Camp by Broadreach

This camp combines the best of international travel with hands on learning about sharks and sea creatures. Designed for high school students, this once in a lifetime experience focuses on sharks and includes dives and research. Broadreach offers a variety of other summer camp programs, including some for families and adults. Ready to dive with the sharks? Expect to pay about $6,400 for the 24 day experience per camper; this camp offers optional school credit if desired.


Thrill Coaster Tours

This camp on wheels puts campers on board a luxury bus en route to some of the country’s best roller coaster rides. Thrill Coaster is offering two camp options this summer, each features a different itinerary and different coasters – both programs are all inclusive and include everything needed for a memorable and thrilling camp experience. Expect to pay from $1300 – $2995 per week, depending on your itinerary and how early you register; this all inclusive trip includes hotels, meals and extras, too.

A Thrill Coaster camp includes a stop in Busch Gardens in Williamsburg Virginia, shown here;


Residential Summer Camp at Sea World Orlando

Summer camps at Sea World offer kids from 7th through 12th grade the chance to interact with animals, learn about veterinary care and animal careers. These unique camps help kids develop a love of learning and cultivate an interest in zoo keeping and animal care as a career. While this camp is in Orlando, SeaWorld offers a similar program at each of its locations. Prices for residential SeaWorld camp begin at $1.200 per camper; register early to be sure to secure a place in this popular camp.

Sea World media room image – camp brochure;

Summer Baseball Camps with the Boston Red Sox

This major league team sponsored camp features an array of exciting baseball themed activities for kids of all ages; you don’t have to be a great player to attend, just have a love for the game. Each session features behind the scenes tours, field trips and even a kid’s sized uniform to wear each day. The camp focuses on teamwork and the essentials of sportsman (or –woman)ship and the love of baseball. Expect to pay $559 per camper for the Red Sox experience; there are several weeks and packages to choose from.

RedSox camp photos for the press;



Tame the Paper Chase Before You Drown in Paperwork


By MJ Plaster

Back in the 20th century, they promised us a paperless life. Can I get an LOL? Below you’ll find a complete guide to storing important papers and documents. Reading this and working through it will make watching paint dry an exciting alternative, but you know you need to get your papers organized, and I’m giving you a roadmap to do it–NOW.

Don’t leave home without them

Keep the following documents with you as indicated:

  • State-issued ID – Keep your photo driver’s license or state-issued photo ID on you at all times. Sometimes you can run into trouble with authorities for “walking/breathing without ID” even though there’s no law requiring you to carry ID at all times.
  • Gun permit – To carry a gun without a permit is insane and can get you killed.
  • Medical insurance/list of prescription drugs – Keep your medical insurance and drug prescription discount cards and a list of all currently prescribed drugs next to your insurance cards in your wallet. Note any drug allergies on the list of prescribed drugs. Dr. Welby doesn’t meet you at the hospital, so you have to act proactively.
  • One credit card, one bank ATM card and one check You don’t need to bring a truckload of credit cards, and if you need more than one check, plan ahead and bring only what you need. It’s a good idea to keep cards and checks separate from your wallet.
  • Important phone numbers – Keep a printed list in your wallet and a spare in your glove compartment (in case your wallet is stolen). If your phone is inoperable, you won’t be able to access your stored numbers. In addition to your doctor, lawyer, family, neighbors and friends, include numbers for your bank and credit card issuers.

Auto documents

  • Registration – In your glove compartment.
  • Auto insurance card – In your wallet, not your glove compartment. Your car could be gone for hours before you realize it’s stolen. What better way to give the middle finger to a fleeing auto thief if he or she is pulled over and can’t produce the insurance card!
  • Title –Store your car title away from your car.

Infrequently used IDs and documents

Keep originals of these documents in a safe place.

  • Birth certificate – You will need this when you least expect it, so keep a copy of your state’s latest version. Those old white on black birth certificates are no longer valid.
  • Voter registration card – You can’t vote in person without it. You’ll get a provisional ballot, but do you think those are counted?
  • Passport/passport card – The card allows you to enter Mexico, Canada Bermuda and the Caribbean. You’ll need the full passport to travel abroad. Make a color copy, keep the real thing in the hotel safe and keep the Memorex version on your person whenever you leave the hotel. Do not let the hotel desk personnel keep it. Never store documents, cash, etc., in a backpack while traveling. Pickpockets are notorious for robbing backpacks while you’re wearing them.
  • Death certificates (your parents’ or spouse’s) – Order extra copies from the state, not the funeral home. Extra death certificates are a profit center for funeral homes.
  • Personal documents – Keep original and official copies of adoption papers, marriage licenses, divorce decrees. Keep an electronic copy of baptismal certificates.

Home documents

  • House deed and real estate sale documentation – Keep original and electronic copies.
  • Homeowners’/renters’ insurance – Scan into a PDF and run through OCR to make the PDF searchable. When you have a claim, you can find everything you need without reading the entire document.
  • Flood/earthquake insurance, etc. – Same as above.
  • Warranties – Original and electronic copies.
  • User manuals – Keep all major and minor appliance guides together and easily accessible. Keep computer and small device guides together but separate from appliance guides.
  • Home inventory and photos – Electronic copy.

Financial instruments and documents

  • Cash – Keep a stash of emergency cash on hand and well hidden. You might stash a few Franklins and a spare key in a small OTC medicine bottle, place the bottle in a zipper bag and bury it in a planter or in the garden under a rock.
  • Checkbook and checks – Except for the emergency check in your wallet, keep the rest hidden at home.
  • Stock certificates (Yes, they’re still out there) – Under lock and key. Copies are worthless, and you have the only proof that you own the stock.
  • Bank and investment statements – Electronic copies.
  • Loan documents – Electronic copies.
  • Life Insurance and annuity policies and statements/pre-paid funeral policies, etc. – Keep electronic copies of policies and last statements.
  • Tax forms and receipts– Electronic copies.

Business and miscellaneous

For each of the following, store the originals in a safe place, and keep electronic copies indefinitely.

  • Articles of Incorporation/DBAs
  • Contracts
  • Court orders

Directives and estate planning

Keep the following until they are no longer valid. Give a copy of all of these to your attorney, and file a copy of any advance directives with your doctors and hospital. All of these documents except the powers of attorney are DO-ITNOW homework. You don’t need a lawyer; you can do it for a small fee at LegalZoom, or you might find your state’s documents online.

  • Powers of attorney (POA) — You’ll need to file many copies of powers of attorney to interact on behalf of the individual you represent—with banks and financial institutions, utilities, and doctors and hospitals. My father’s hospital required a copy of the POA even before they would accept payment.
  • Advance directives (living wills/health powers of attorney) – The designated agent makes health decisions once the person is no longer able to make these decision and/or in the event of a temporary incapacitation. Everyone needs an advanced directive because you don’t want the doctors, hospital administrators or the state making these decisions for you.
  • Wills and trusts – Give a copy of the will to your executor. If you don’t want the executor and/or heirs to know what’s in the will, give a copy to a trusted friend. Give a copy of trust papers to the trustee and/or alternate trustee.

What’s a Safe Place?

Identity theft is a blossoming business model, and in an economy with few viable business models, it’s big business. Just as you want to make your home unattractive to thieves, you want to make finding important documents an unattractive proposition.

Bank safety deposit boxes are available only during banking hours, and boxes are sealed upon the owner’s death—even if the box belongs to your spouse. And what if a bank holiday is declared? It happened during the Great Depression. Don’t make this mistake.

Some people bolt a safe to the floor. Some people bolt two safes to the floor—one for the thieves with junk and one for themselves with the real stash and well hidden.

A small lockbox is a terrible storage spot for valuable papers because thieves won’t waste time opening it. They’ll assume valuables are in it and grab it.

Keep electronic copies on an encrypted thumb drive, and you’re grab-and-go ready in case you have to make a hasty departure. Don’t keep identity information in the cloud. It defeats the whole purpose of this exercise.

Save A Bundle On Your Kid’s Extra Curricular Activities: 9 Clever Tips


Sports and extracurricular activities can enhance your child’s education in many ways – from teaching valuable lessons about teamwork and sportsmanship to boosting problem solving and communication skills. While extracurricular activities add plenty of variety to your child’s schedule, they can get expensive. We’ve gathered a collection of great ideas designed to help you save on sports, lessons and activities – so you won’t have to make tough decisions or miss out on the fun of extracurricular programming.

Group of children having fun together in the park

If you have a skill, teach a class or program or own a business you may be able to barter with the individual or group offering the activity. Offer the drama class free sewing in exchange for lessons, provide update the business or group website in exchange for free or reduced lessons for a season.

Register Early:

Many teams and activities offer a reduced price for early birds – the team benefits by quickly filling up their season roster and you get the benefit of added savings. Review flyers or ads as soon as they arrive and make sure you sign up for mailing lists; you’ll get early notification of classes, and hopefully spot some great Early Bird specials, too.

Follow on Social Media

If the organization offering classes or programming has an online presence on Facebook or Twitter, make sure you follow them. Some businesses offer discounts to subscribers or followers only – so if you don’t follow, you may miss out on a deal when it is time to register for an activity.

Sign up as a Group and Save

If you have more than one child, ask for a discount on the second (or third, or fourth) child’s fees. In some cases, you may be able to pay a single family registration fee or pay a reduced amount for the youngest child.

Even if you only have a few kids in your family, joining up with a few other families could give you enough participants for a group discount. Some programs offer a discount to groups over a set number; don’t be shy about asking for a bulk discount and then recruiting other money savvy parents.

Scouting Discounts

Many programs offer discounts to Boy and Girl Scouts; these can be a considerable savings when compared to the regular prices. If you are already a scouting family, make sure you inquire about discounts before you register on your own.

Visit the Library

Your local library won’t be much help with sporting activities, but most offer comprehensive activities and programs for kids, from Lego classes to chess clubs. Sign up for your library’s mailing list and pre-register for classes that interest you; most libraries offer classes and clubs free or charge or for a minimal fee.

Shop Around

Check a variety of locations to find the best rates for the activities your children are interested in. Your local public school, community center or YMCA may all offer swimming lessons or baseball at different rates, so be aware of each program and choose the one that suits your family and your budget best.

Count the Entire Cost

The money you pay to participate in an activity may not be the only cost; make sure you are prepared for equipment and related costs. Purchasing some items second hand can help you save; gently used sports equipment can often be found at a significant discount at consignment or sports resale stores.


If you can, volunteer as an assistant or parent helper for your child’s team. Many organizations offer discounts for parents who commit to helping out on a regular weekly schedule. You’ll get the added bonus of meeting your child’s teammates and spending extra time with the group, too.

6 Ways Baby Boomers Are Spending Their Kid’s Inheritance

Elderly woman wearing glamorous mask

By MJ Plaster

Today’s seniors have given the brushoff to “the home.” They’re too busy packing their bags for a vacation. According to The LA Times, many seniors place more importance on travel than leaving an inheritance to their children. (Say it ain’t so!) According to an AARP study, Baby Boomers will take 4–5 trips in 2015, so let’s look at some fun vacation ideas for seniors.

Rolling on the River

If you’ve taken a cruise, you likely loved it or hated it, but have you taken a cruise to Alaska or cruised down a river? These aren’t your typical sun ‘n’ fun cruises. A cruise to Alaska brings the natural beauty of the wilderness close enough to reach out and touch.

In the United States, passengers can meander down the Mississippi, Hudson and Snake Rivers. With smaller ships, you can easily strike up friendships with fellow cruisers. Can you think of a better way to catch the kaleidoscope of changing leaves as summer turns to autumn while making new friends?

If you’re a Downton Abbey fan, you’ve seen the breathtaking views in the sponsored European Viking River Cruises segments at the end of each episode. I have friends who wouldn’t dream of taking a cruise on another ocean liner once they had their first taste of a river cruise—which has become an annual affair for them. They love visiting different European capitals without the hassle of arranging transportation and changing hotels every few days. They say it’s the best way to see Eastern Europe and that the scenery is the best they’ve ever seen—much of it while nursing cocktails on their private balcony.

Dance the Night Away

Are you a solo traveler who happens to be a great dancer? Because women statistically outlive men, the cruise lines need dance partners for their single women. If you’re over 40, sociable and a Fred Astaire-in-waiting, you’re ripe for the picking; the cruise lines need you. In exchange for dancing the night away and mingling by day, you can earn a free or nearly free cruise and sail away to exotic ports of call on the cruise line’s dime. While “gentlemen dancers” have been a mainstay of the cruise line’s social scene, Crystal Cruises is just beginning to employ female dance partners on their transatlantic cruises.

Travelicious Vacations

Want to learn one of the secrets to unlocking the mysteries of foreign lands? Food is the window into the soul of a culture. In societies that shun fast foods, shop daily and prepare food for family meals, their lives revolve around food. You can learn how to reproduce some of your destination’s classic dishes when you book a domestic or international cooking vacation. Visit US News, USA Today and to see some of the many options for bringing home the ultimate souvenir—one that lasts a lifetime—the ability to show off classic dishes from tapas to spring rolls to your family, neighbors and friends.

What Have You Learned Today?

Maybe you weren’t a Rhodes scholar, but you can be a Roads Scholar. At this stage, who’s going to ask for your transcripts? RoadScholar offers a huge selection of educational travel opportunities for seniors across the globe, and the nonprofit offers more than 300 Enrichment Grants annually to allow lifelong learners without the means to participate in one of their learning adventures.

If you’ve always wanted to learn a second language, you no longer have to settle for “menu-qualified.” Take a total immersion language vacation, and come home speaking the language—maybe not perfectly, but far better than most people could teach themselves. You’ll also learn about the culture, explore the sounds and sites, and sample the delicacies of your destination. You’ll gain the experience of living the culture rather than just popping in for a visit.

Adventure Travel

Seniors are no longer content to lounge around the pool with a piña colada in one hand and a beach book in the other—with the roar or the ocean competing with the sound of the mariachi band—for a solid week. If you’re healthy and fit, you can join a safari, swim with the dolphins, kayak, parasail, or trek the Silk Road by camel. Begin your exploration by checking out these sites that cater to seniors in search of an adventure: RowAdventures, ElderTreks and ElderTrav.

Luck Be a Lady

If you “know when to hold ’em, know when to fold ’em,” Las Vegas is calling your name. No longer exclusively the land of the “all you can buffet,” Las Vegas is “Celebrity Chef Central,” with restaurants serving up food for the eyes as well as the taste buds. You’ll see some of the best entertainment east of Southern California. Catch headliners such as Jay Leno, Rod Stewart, Celine Dion, David Copperfield, Penn and Teller, a tribute to the Bee Gees and many more. Only 300 miles from L.A., Las Vegas is easy to reach by car, bus or air—a great destination for a group of fun-loving friends. Feeling lucky but can’t get to Las Vegas? Check out this list of casinos for one near you.

For more vacation and getaway ideas, look into weekend getaways and volunteer vacations.

Travel the World with a Purpose: Vacation While You Volunteer


                                                    Team of volunteers gardening together on a sunny day


Seeing the world is on most bucket lists, as is doing good. With trips that combine both vacationing and volunteering, you can achieve these goals in one fell swoop, saving money and conserving your precious time off. Whether you choose to teach English in Asia or build homes in the Caribbean, take part in disaster relief in Nepal or share your medical expertise in Africa, volunteer vacations allow you to soak up another culture while giving back to the human race.

Common Misconceptions

Before we get started on the nitty-gritty of how, where and when you can volunteer, it will be helpful to clear up a few misconceptions. The first is that volunteer vacations are long-term assignments. In reality, however, they usually only last a few weeks to a few months.

The second is that you will be paid to travel. Usually that’s not the case; instead, you pay for your own ticket, and often room, board and transportation. As these are things you pay for on vacation anyway, however, most people aren’t put off by this and still choose to take the trip.

Types of Volunteering

Depending on your background and expertise, you will find many types of volunteer positions to suit your interests. If you are an architect, for instance, you might find Habitats for Humanity to be up your alley. With this international organization you can travel to countries as far-flung as Jordan, Malawi, Tajikistan and Paraguay, and several states.

Although organizations such as Doctors Without Borders have many full-time employment positions, those looking to make a shorter stint can also volunteer with them. Don’t feel left out, nurses: you can join Nurses Without Borders.

Is helping wildlife more your speed? You should check out the global sea turtle volunteering job board, with opportunities to work in coastal locations throughout the world protecting this rare species. A huge range of other opportunities exists, from teaching English to repairing park trails to farming organically in other countries. Run an online search with your interest and the words “volunteer vacation” and you’ll get some great ideas.

How to Get the “Job”

In order to land the opportunity, simply follow the instructions for sending in your application well ahead of the deadline. Most places will tell you when you’ll here back, but if you do not you can follow up. Normally you will not need to because humanitarian and environmental organizations are often so short-staffed and happy to have volunteers that they will take you up on your offer right away.

Setting Up Your Trip

Like any vacation, you’ll need to buy your ticket as well as set up room and board. Although some volunteer organizations offer food and lodging, few pay for your ticket too, but you can find budget tickets on sites like Expedia or Kayak.

Some opportunities, such as World Wide Opportunities on Organic Farms, do pay for your room and board in exchange for work. Others, like Conservation Volunteers, can set you up with a weeklong stay for a minimal fee (around $100). Do your research to see who will compensate you for your volunteer work. If you are interested in a more local volunteer experience, you can always try Workaway, a site that sets up host families with volunteers who work for that family for a few hours each day. This is a great way to see more of the place you’re visiting, because you have much more free time.

Well before you plan to leave, order your passport and ensure all your information is correct. Buy traveler’s insurance and alert your bank that you will be traveling abroad so they will not shut down your credit cards.

Countries in Which to Vacation/Volunteer

Although the list of countries in which you can vacation and volunteer is numerous, the majority of opportunities are in underserved countries along the equator, in South America, Asia and Africa. You can travel to several parts of Europe and North America as well, however, and many options also exist in New Zealand and Australia.

When combining vacationing and volunteering, it’s important to still have some fun! You can either set time aside for pure vacationing before or after you volunteer, or you can choose a volunteer opportunity that leaves you enough time during the day to see the sights. Whichever way you do it, have a blast and enjoy doing good in the world!


10 Can’t-Miss Tips to Help You Make a Dazzling First Impression

Business People

A positive first impression is worth more than a forever diamond. According to a Princeton University study, you get 100 milliseconds (1/10 of a second) to win someone over—that’s faster than you can text, “Like me.” Let’s look at 10 can’t miss practices for making a good first impression.

  1. Pay attention to your appearance. Everything about your appearance should broadcast “neat and meticulous.” Show, don’t tell—a neat appearance proves your attention to detail. There’s no need to mention it if you can show it. Arrive on time and mind your manners. We shouldn’t have to mention not to chew gum, but when elected officials meet foreign dignitaries while chomping on gum, it needs to be repeated. Nails should be trimmed and neat with neutral polish, if any—no “Long Island Medium” nails. As your mother probably repeated in an endless loop, “Don’t slouch.” Hold your body erect and look at the other person. Finally, turn off your phone. If someone died, the body will be just as dead in a half-hour. If a loved one is at death’s door, reschedule.
  2. Dress for success. In a job interview or a first meeting with a client, dress one step up the position you are seeking or up a step from the client will wear (do your homework), according to CBS Money Watch. “If your prospect is in denim, you wear khaki. They wear sport coats without ties; you are in suits without ties. The point is that you always dress one step further up the clothing ladder than your prospect, but not two.”
  3. Be yourself. People can see through phonies a mile away.
  4. Trustworthiness vs. confidence. We’ve all been led to believe that we must show confidence 24/7/365—or at least “fake it ’til you make it.” Wired magazine reports that social psychologist Amy Cuddy of Harvard Business School says that in a first impression, trustworthiness and confidence levels comprise 80–90 percent of the overall impression we give. Studies have shown that people place more importance on trustworthiness than confidence because if a person senses that you’re competent, he or she will be interested in your intention (trustworthiness) toward them. If you’re a highly confident person, you might want to dial back the confidence a bit and show more of your trustworthy side.
  5. Victims are not winners. According to Psychology Today, “Feeling victimized is not adaptive.” You need to feel empowered to be nimble and to act proactively. If you are a bona fide “victim,” you’re also a survivor. Accentuate the positive and show your strength.
  6. Show integrity. Demonstrate that your actions are in line with your values. If you were the star salesperson, demonstrate it with metrics. When you’re asked to talk about a weakness, answer honestly.
  7. Prepare an elevator speech. You never know when you might have a chance meeting that could change the course of your life. An elevator speech takes 30 seconds. Address three things in the first 20 seconds: who you are, what you do, and what you want to do. That leaves 10 seconds to quiz the listener and show “what’s in it for them” and why you’re just the person to fill the need. Rehearse your elevator speech with a mentor who will tell you the truth and offer constructive criticism. Practice until you can give your speech in a natural, sincere manner, not as if you’re reading a teleprompter. End your speech with a call to action.
  8. Don’t let social media kill your chances at success. It’s simple to search someone online, and the Internet is forever. If you wouldn’t want it broadcast on the 6 o’clock news, don’t put it out there on the Internet. If you’re social media image is less than sterling, clean it up. Delete your accounts and start new ones that give a better impression. You can remove yourself from Google but start building better online profiles—people without a past are no longer mysterious, they’re questionable. Even if you take all these steps, there are other ways people can discover your past.
  9. Perfect your email netiquette. When you give your first impression via email, start with a succinct message header, an appropriate salutation and stick to business, according to Inc. Leave out off-colored jokes, private information, LOLs, OMGs and emoticons. Keep it short and write in complete sentences with proper capitalization and grammar. This isn’t Twitter. Before hitting “Send,” check your email for tone.
  10. Pay close attention to the other person. The University of Kentucky suggests that you listen twice as much as you speak. Only through listening can you pick up clues about what needs you can fill.

Bottom line: You are not going to make a good first impression every time. Everyone has a bad day, and someone could take an immediate visceral dislike to you. It happens. But if you think that first impressions don’t count, ask yourself if you would let a surgeon to whom you took an immediate dislike cut you open on the operating table? There’s your answer. People want to trust and like those with whom they do business.

Fly by the Seat of Your Pants for a Memorable Family Vacation

Travel - family with camping car on the road

MJ Plaster

Go against the flow. It’s fun, it’s budget friendly and you’ll have unique tales to tell when you get home. You’ll also make friends of like-minded strangers.

Rules of the Road 

  • Three- or four-day getaways – The pause that refreshes when you get away to chill instead of micromanaging your vacation Griswold style.
  • Drive, don’t fly – If you’d rather stick needles in your eyes than fly, drive to a spot close to home. You’ll save money, and you’ll have transportation at your destination.
  • Avoid peak travel times – What’s the difference between the week before “a holiday weekend” and a normal weekend? Price! If you leave Thursday night and return Monday night, you avoid peak travel times on the road as well. Can you say “hassle-free”? The week before and after the Fourth of July are the worst in both price and crowds.
  • Avoid hotels – Find an apartment or home rental (including beach rentals) for the less than the cost of a hotel room on TripAdvisorVR, AirBnb or HomeAway. Check reviews before reserving accommodations. If you’re off the beaten path, look for small inns and B&Bs along your route.
  • Eat where the locals eat –Bring food from home or drop into a grocery store to save up to $50 a day on breakfast. If you’re in a city, find the best food trucks for lunch, but check with the locals because food trucks come and go. Check out TVFoodMaps and click the Diners, Drive-Ins & Dives board to find extraordinary food—served with a side of hospitality and local charm—at ordinary prices. We call that “manna from heaven.”
  • Vacation allowance – The kids will rob you blind on vacation given half a chance. Dish out a daily allowance for meals and snacks, and let them keep whatever is left. Hat tip to Reader’s Digest for this Nobel Prize-worthy vacation tip. Download their Insider Secrets for an Amazing Vacation.
  • Go retro – Give the kids a taste of pre-Internet life. Find a drive-in theater, and stop by a soda shop—one that serves real Coke floats and milkshakes. The kids will probably curse you under their breath as you enter, but they’ll thank you after they have a taste.

Summer Destinations for Families, Couples and Singles

  • Key West – Where Jimmy Buffett’s “Mother Ocean” intersects with Hemmingway. Summer is the season of deals in Key West, and you can catch the annual Hemmingway Days celebration in July.
  • Coastal Maine – The land of lighthouses boasts more than 60 lighthouses dotting the rocky coast along Maine’s Route 1. Maine has no shortage of festivals during the summer: Windjammer Days, Great Falls Balloon Festival, and The American Folk Festival, all with free admission.
  • Newport, Rhode IslandTwo worlds collide in Newport in the summer—the famed Newport Summer Festival (Friday general admission tickets run $15) and the summer cottages of the early Robber Barons that rival the Palace of Versailles and Highclere Castle, featured in Downton Abbey.
  • Nashville, TennesseeYou don’t have to visit Nashville during the annual CMA Country Music Festival (formerly Fan Fair). You’ll find live music all across the city and in the neighboring city of Franklin. Gatlinburg, the gateway to the Great Smoky Mountains, is 3.5 hours east of Nashville; trust me, you’ll want to hit the Smokies during the week for exhilarating, outdoor scenery.
  • Festivals and events – Spend a day or several at a festival—hot air balloons, music, garlic, arts and crafts, blues, jazz, Shakespeare and beach festivals. Some offer free admission, and all serve up food, fun and entertainment. Start your search at Fest300 and filter by location, type, etc.
  • Scenic All-American Roads and Byways – Get off the Interstate to explore hidden jewels and make it a journey with no destination in mind. Even .gov gets it, “America’s Byways are gateways to adventures where no two experiences are the same.” Explore America’s scenic roads or byways, including historic Route 66, the Blue Ridge Parkway that winds through North Carolina and Virginia, the breathtaking Pacific Coast Highway and its sister road on the other coast A1A and many more.
  • Wineries – St. Thomas Aquinas said, “Sorrow can be alleviated by good sleep, a bath, and a glass of wine.” You’ll find wineries in all 50 states, and most are kid-friendly, offering food, picnic sites, entertainment and often artisan food products grown at the vineyard along with tours and wine sampling. Search by state.

The key to a memorable, budget-friendly vacation is spontaneity. Leave your cares at home, and fly by the seat of your pants. Try it once, and you’ll be hooked. Who knew saving money could be so much fun.

Keeping Your Teen’s Dream Night From Becoming a Budget Nightmare

Group of Friends Being Videotaped at School Dance



The following are several helpful tips for you to implement this prom season. By following these suggestions, you will ensure your teen’s dream night doesn’t become your budget nightmare.

Make and Budget and Stick to It:

It only stands to reason that in order to prevent yourself from going over budget paying for your teen’s prom, you should have a predetermined budget. Sit down, go over your finances, and decide what you are willing or able to spend. The average cost of a prom night can range anywhere from $700 to $1,400. However, you don’t have to spend anywhere near that much if you follow the tips listed below that reveal how to save on each aspect of the special night.

Save on the Dress:

Before you say yes to a dress that your daughter just has to have, consider the following easy ways to procure an affordable dress:

  • Rent: Today you and your daughter have an excellent alternative to buying a dress, thanks to sites like RentTheRunway. Sites like these allow you to rent designer frocks for a fraction of the cost. In fact, you can get your daughter a fabulous dress for approximately 10% of the retail price. Now that is a big savings. After the big night, simply return the dress. Since your daughter likely won’t wear the dress more than once anyway, this is a perfect way to save some money all the all important prom dress.


  • Buy a Versatile Dress: As mentioned before, most of the time, a prom dress isn’t worn more than once. However, if you make a point to select a dress that is versatile and can be worn again, then you can justify spending a bit more on the dress. Select dresses that are plain, so they are appropriate for other events, such as weddings. Then, utilize jewelry to dress it up some.


Get Thrifty With the Tux:

Perhaps you are on the other side of this event and have a son. You also likely wonder how to reduce your spending. Thankfully, there are a couple of ways you too can save some money. Read below to learn more:


  • Buy a Suit: Although the traditional attire of the prom for guys has been tuxedos, there is no rule that states that this has to be the case. Therefore, purchase a high-quality suit for your son to wear to the prom, and then he will have it to wear again on other occasions. This makes the investment more worthwhile.


  • Get a Group Rate: Some tux rental companies will offer group discount rates if more than a few young men all need to rent tuxes at the same time. Therefore, encourage your son to team up with his friends and hopefully receive a discount from the tux shop as a result.


Minimize the Cost of Hair and Makeup:

An updo and professionally applied makeup for your daughter can run you upwards of $100, conservatively. Therefore, it is smart to try to save some money in this area, when possible. Consider using a cosmetology school for hair and makeup. These schools have students who are often very capable. However, since the students are still in training, the cost is considerably less than going to a regular salon for hair and makeup. Note: It’s important to do a practice run before the big day regardless of where you go for hair and makeup. 

Lose the Limo:

A limo is a popular and impressive way to arrive at the prom. Unfortunately, it also is pricey. Therefore, think outside the box when it comes to prom transportation. Have your son or daughter borrow a classic car from someone you know who would be okay with this arrangement. If you can’t find anyone who is willing to let your teen drive their expensive classic car, which is understandable, offer to play the role of chauffeur and take on the responsibility yourself. On the off chance that your teen refuses to let you drive them, arrange for another responsible party to drive them instead. Arriving in a beautiful classic car is unique, and if you can acquire it for free or very cheap, it is better on your budget as well. If your teen insists on a limo, ask them to get a group together and share one limo so the per person rate isn’t so high.

Forget the Formal Photos:

Unless your teen ends up marrying whomever they attend prom with, which is unlikely, any formal prom photos will be relegated to the bottom of a storage box in future years. Therefore, another way to save on prom costs is to forgo the formal photos. Instead, take photos with your phone or a nice camera. They will likely turn out better anyway, since they will be candid shots instead of posed photos.

The prom is a magical night for your teen, a dream night if you will. However, your son or daughter’s dream evening doesn’t have to turn into a budget nightmare. If you follow the helpful tips listed above, you will ensure you are able to fund your teen’s prom without going bankrupt.   




Link to Rent the Runway:

Without These Five Products, Your Startup is Doomed


Casual People Meeting At Industrial Office

Deciding to start your own business is exciting and scary. You may have dreams of becoming the next big thing in your niche, but if you go into it unprepared you will crash and burn quickly.

Most start-ups fail due to lack of funding, but without a solid foundation and clear understanding of your customer base, a start-up can never get off the ground.

An often overlooked part of a solid foundation are essential business products that help with preparedness. Without these five products, your start-up is doomed from the get-go.

A Business Plan Kit

When I started my own business a few years back, I had no idea business plan kits existed.  I also had no idea why I would need one. Because I never put a clear vision for my business on paper, I restarted and changed direction three times, costing me valuable time and money.

A business plan kit helps you define company values, set forth a funding plan, marketing plan, launching plan, and more. All start-ups and established companies need a business plan regardless of business type.

Accounting Software

I remember taking my receipts and putting them into a pile thinking it would be easy to figure out my income and expenses once tax time came. It only took one time of sifting through mounds of unorganized receipts for me to understand what a mistake I had made.

You do not need to be an expert in accounting, but you do need to understand the basics. Luckily basic accounting software can teach you those basics and keep your finances organized. Choose a program that is accessible on both your computer and a mobile device. That way you can enter expenses on the go. When first starting out, there are several excellent free products out there. You can always upgrade to a paid version down the road.


Printers that can do it all are not expensive, and they are a necessity for any new business. You want to be able to print, scan, copy, and fax when needed. You also want to be able to choose black and white or color.

When a new business is just starting out, money is tight. Being able to print your own business cards and letterhead can provide professional quality business essentials while saving lots of money.

Social Media Products

Part of launching a successful new business is creating buzz around the business. Many new entrepreneurs have a great idea that could make them a lot of money, but once they launch, all they hear is crickets. Why? They didn’t market their business properly through social media.

Free products like Hootsuite can help you identify the people with the most influence in your niche. Once you know who they are you can begin to build a relationship through social media. You can also schedule your own tweets and posts to go out regularly through the day. A shout-out by someone with influence in your niche can sometimes bring more business than paid advertising ever could.

Email Marketing Products

Without an email marketing plan, it is difficult to be successful. Basic plans are inexpensive and bring a lot of value for the cost. Not only do they give you a database for communication with potential customers, but also they give you an avenue for marketing funnels and more advanced methods as you grow.

There are free products out there but beware. If you do not have a program with a double opt-in and auto responder, you could easily violate anti-spam laws. You usually need a paid version to add these features.

There are many other products you can utilize to prepare for a successful start-up, but these five are essential. As you grow, you will learn more successful ways to market your business while keeping accurate records.

In the end, all that matters is delivering what the customer wants. Learn as much as you can about their desires and fears, and then utilize social media and other means of marketing to get the word out that you have what they need. Most importantly, deliver on your promise, and you will be a success story among the many start-ups doomed from the start.