Smart Thinking - Saving Money For the Future

While we are all aware of the importance of putting away money for the future, the reality is that saving doesn't come naturally to most of us. When it comes to putting money away, setting "smart" goals is the first step in finding the motivation to save.

What are "smart" goals? SMART is a popular acronym for specific, measurable, achievable, realistic and timely. These five characteristics are vital for setting goals and the acronym provides an easy way to remember each of them.

When it comes to saving money it is important to make sure a goal is specific. Rather than telling yourself that you need to put away a little money each month, set a specific figure. This will give you a balance to base the rest of your monthly spending around, as well as a measuring stick to see whether or not you are achieving it.

Why is it important to have measurable goals? If a goal is not measurable, it's difficult to know whether you are actually achieving your goal. A measurable goal means that you will be able to monitor your success and hopefully this will give you a boost to continue saving.

To really achieve a goal it is important to take an action-orientated approach and hone in on all the proactive steps you need to take to achieve that goal. Ask yourself what actions are needed in order make this ambition a reality. From deciding how much to save, to deciding which savings accounts offer the best deals - all of the actions you take will form a vital part of achieving that goal.

While breaking your goal down into mini-actions is extremely important, it is even more important to make sure the goal set is realistic. Is the figure you have set yourself going to over-stretch your budget? Do you have any major outgoings over the next few months which could hinder this goal being achieved? If your goals are not realistic, they will only cause you anxiety; therefore, it makes more sense to save little and often, as opposed to setting an unreachable target.

The final step to smart goal setting is making sure your goals are timely, which refers to having an overall timeframe for your goal. It can also help to set some timely milestones to monitor your progress along the way. In a similar way to setting mini-actions towards your overall goal, setting mini-milestones breaks the process down into shorter, simpler steps - making the goal seem all the more achievable.

When considering your savings and the savings accounts which will work best for you, it is all about thinking smart. While it may take a little extra time to set your goals the smart way, it could pay dividends in the long-run.

Victoria Cochrane writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content

10 Budget Friendly Cleaning Ideas

Okay, I'm a clean freak-I'll admit it. I like my floors swept, shower scrubbed, and carpet vacuumed. But I'm also on a tight budget, which means I can't buy every new cleaning gadget out there or every sparkly-but costly-green cleaner I ooh and ahh over. I can still keep my little apartment immaculate, though. Here's how I do it:

1. Make the most of dish soap.
I have a slight obsession with Method's French lavender dish soap and use it for almost everything. By pouring a few drops in a bucket of water, I get my kitchen floors so clean I could practically eat off of 'em, and I avoid buying expensive and harmful floor cleaners. And to my delight, Method's soap is so potent a few drops will do me. I also use it to remove stains and clean glass.

2. Stock up on the store brand.
Don't think for one second that the store brand is any less qualified to clean than the name brand. I use my local grocery store's brand of sponges, mops, brooms, bleach, and whatever else I can get my hands on. But keep an eye on the ingredients. If the store brand is lacking a crucial component, I usually stick with the name brand.

3. Reuse, reuse, reuse.
Forget tossing old towels and t-shirts-cut them into smaller pieces to use as dust and cleaning rags. By doing this, I save the landfill from more trash and myself the cost of paper towels.

4. Borax.
This little wonder can do just about everything under the sun. And-even better-it's a naturally occurring substance, making it quite environmentally friendly. I use it to scrub the bathroom and kitchen. And though I've never tried this, you can also make laundry soap out of it as well. But even though it's a natural product, it can be toxic if ingested, so use with care and store away from children.

5. Concoct my own.
We've pointed you toward this site before for green-cleaner recipes, but a little reminder never hurt anyone. Rhonda Jean's concoctions are some of the best out there, and her other frugal advice is worth taking. I'm especially fond of her sink cleaner recipe.

6. Follow directions.
I'm always tempted to pour a little extra laundry detergent in a load or spray the shower cleaner a few more times, but if I keep my urges in check, my cleaners last a lot longer. So check the directions and only use the amount specified. I'm not saying it's going to be easy, but you'll thank me when you see how much you save.

7. Line dry.
At my apartment building, it costs a buck for every load I dry, so I often skip the dryer all together. My clothes take less wear and tear and hold their shape for longer. Plus, I save money. And even if you have full access to your own dryer, your energy bill will drop if you avoid it as often as possible.

8. Muster some elbow grease.
Stains and that sticky goop at the bottom of the fridge have nothing on these guns. Although it's easy to reach for the cleaner, sometimes it just takes a little extra scrubbing. So before I break out anything toxic, I try my hand at a little soap and water and a lot of elbow grease.

9. Hold out for a full load.
I wait until the dishwasher or laundry basket is stuffed to the brim before I run another load. It may test my patience-sometimes I really want to wear that dirty pair of jeans-but it saves me serious dough.

10. Maintain.
I try to stay on top of my cleaning duties. A little extra time spent now prevents me from spending more money on tougher cleaners and pest control down the road. Try giving your home a good clean about once a week.

Lexicon Consulting, Inc

The Home Know-It-All: Your One-Stop Shop for Home Design, Improvement, and Repair

My Walk With Farrakhan - The Reality of the Million Man March

"Call to the way of thy Lord

with wisdom and goodly exhortation,

and argue with them in the best manner."

Continuing on in the series, My walk with Farrakhan, we will examine the Million Man March on October 16th, 1995 called by God through The Honorable Minister Louis Farrakhan.

It is amazing to think that 12 years have passed since that beautiful day on the Washington mall with nearly 2 million black men congregating in love. From that day until this day many have not understood the purpose for the march nor its goal by the author. Who was the ultimate author of the Million Man March and for what cause?

Minister Farrakhan while speaking to the gathered men reminded them,

"You came not at the call of Louis Farrakhan, but you have gathered here at the call of God. For it is only the call of Almighty God, no matter through whom that call came, that could generate this kind of outpouring. God called us here to this place. At this time. For a very specific reason."

Minister Farrakhan said that he called for the "march" in response to the pitiful global image of black men as portrayed in film, music and the some media. He further stated that he wanted to show an example to the world that black men can and must unite together in love and harmony to affect positive change in our communities.

The call of the Million Man March is rooted in biblical tradition of Jesus calling Lazarus from the grave. However, today a modern day man of God is calling a people, not from a physical grave of death, but from a spiritual-mental grave of death and ignorance.

Let us review John 11: 43-44 for clarity

"And when he thus had spoken, he cried with a loud voice, Lazarus, come forth. And he that was dead came forth, bound hand and foot with grave clothes: and his face was bound about with a napkin. Jesus saith unto them, loose him, and let him go."

The Holy Qur'an bears witness in similar words

"We have revealed to thee that

thou mayest bring forth men, by their

Lord's permission, from darkness

into light, to the way of the Mighty, the Praised One,"

When you look at the black community then as well as now it becomes clear that we are in need of a healing and resurrection of our minds.

My condition at the time of the Million Man March

At the time of the call of the Million Man March my life was similar to the life you see many young black men participating in. I walked with my pants hanging of my behind(sagging). I didn't attend school much and didn't take authority serious. I spent my nights getting drunk and/or high with drugs. I thought I was living the good life in my downgraded life of sin. I didn't know at the time, but Almighty God was preparing me for bigger and better things.

I was told by my mother, who was fed up with my behavior, she was requiring me to stay home and watch the Million Man March. She told me that since I can't do anything with you maybe Farrakhan can put some sense in your head.

I sat at home watching the many men and speakers on that blessed day on October16th, 1995 and was being transformed on the inside by Almighty God's spirit. However, when I heard Minister Farrakhan speak I received a message, not so much in words, but I felt him speaking directly from his spirit to my spirit. I took the pledge of the Million Man March and decided to begin the journey towards elevation.

The pledge of The Million Man March asked(by Minister Farrakhan) encouraged us to do the following things,

"Take this pledge with me. Say with me please, I, say your name, pledge that from this day forward I will strive to love my brother as I love myself.

I, say your name, from this day forward will strive to improve myself spiritually, morally, mentally, socially, politically, and economically for the benefit of myself, my family, and my people.

I, say your name, pledge that I will strive to build business, build houses, build hospitals, build factories, and then to enter international trade for the good of myself, my family, and my people.

I, say your name, pledge that from this day forward I will never raise my hand with a knife or a gun to beat, cut, or shoot any member of my family or any human being, except in self-defense.

I, say your name, pledge from this day forward I will never abuse my wife by striking here, disrespecting her for she is the mother of my children and the producer of my future.

I, say your name, pledge that from this day forward I will never engage in the abuse of children, little boys, or little girls for sexual gratification. But I will let them grow in peace to be strong men and women for the future of our people.

I, say your name, will never again use the B word to describe my female, but particularly my own Black sister.

I, say your name, pledge from this day forward that I will not poison my body with drugs or that which is destructive to my health and my well being.

I, say your name, pledge from this day forward, I will support Black newspapers, Black radio, Black television. I will support Black artists, who clean up their acts to show respect for themselves and respect for their people, and respect for the ears of the human family.

I, say your name, will do all of this so help me God."

I know where I came from and where I was inspired to go as a direct result of the call of the Million Man March. I will never let anyone disrespect that day by saying it didn't achieve anything. I was a man that was lost, but was inspired to be a better person by the truth and presence of Minister Farrakhan at the Million Man March.

I like to use the example of a patient going to a doctor as an example of the Million Man March. You can't blame a doctor if you are sick and you go to a doctor to heal you and the doctor prescribes you a prescription, however you never go home and take the prescription, so you die. Such a doctor cannot be charged with malpractice. It is the responsibility of both the doctor to prescribe and the patient to take the medicine to affect healing.

In conclusion what medicine did "doctor" Farrakhan give to black men at the Million Man March?

In the following words he gave the ultimate medicine and purpose for our presence at the "march",

"Well, some of us are here because it's history making. Some of us are here because it's a march through which we can express anger and rage with America for what she has and is doing to us. So, we're here for many reasons but the basic reason while this was called was for atonement and reconciliation. So, it is necessary for me in as short of time as possible to give as full an explanation of atonement as possible."

He gave us the following summation of 8 steps of atonement

1) Point out the wrong

2)Acknowledge the wrong

3)Confess fault

4)Repentance

5)Atonement

6)Forgiveness

7)Reconciliation and restoration

8)Perfect union with God

Long live the spirit of the Million Man March!

Mustafaa Muhammad is an "African American" who is a follower of the Islamic faith. Through independent religious studies developed an ecumenical view of the world's religions and the people of God. And while he is devoted to Islam as his faith he is at home in the Church(or other religious institutions) as he is in the Mosque.

He has been featured on the Radio, Newspapers, public speaking events and at Mosques/Churches telling his story and offering his understanding of Almighty God's plan for salvation.

Mustafaa is involved in community activity. He believes that our faith must inspire us to greater service to humanity or we may be making a mockery of the purpose of faith. Contact him @ http://brothermustafaa.com

Cupolas to Add Curb Appeal - Home Repair Advice

We are children of our landscape; it dictates behavior and even thought in the measure to which we are responsive to it - Lawrence George Durrell.

Are you ready to upgrade the look of your home or business, but not sure what you can do? A cupola is an easy add-on that is affordable and provides a classic look. These roof top jewels are becoming very popular with designers and savvy business and home owners alike. This article is going to cover the installation of a cupola. Hopefully you have taken the time and made the right decisions on the size and style to make your outside buildings to look their absolute best. Manufactures will be able to assist you in choosing the right size and style for your architectural accent. When purchasing a cupola, ask the manufacture if they provide guidelines on installation, along with additional information and helpful hints if you are installing the cupola to provide ventilation.

Some cupolas come in boxes and the owner puts them together, seals, caulks and paints them. Others come in 3 sections which are then for the owner to complete, seal and paint. Other manufactures ship the cupola fully assembled and are sealed, primed and painted prior to shipment. During assembly all seams and joints need to be sealed and caulked to properly seal each cupola against damaging leaks that could cause the deterioration of the wood, thus shortening the life of the cupola.

The cupola should be primed and painted before placement on the roof. One should check if they arrive primed and painted if the interior is finished also. Priming and painting all components interior and exterior will ensure a lasting durable finish. When painting your cupola, it is recommended that you use two coats of an oil-based primer first. This should be done before you place the cupola on the roof. Some manufactures prime and paint the cupolas prior to shipment. When custom color is needed, one just gives them a sample of the color wanted and they will paint the cupola to match your color scheme. Often people like weathervanes to top of the cupolas for that finishing touch. Find out if the cupola is fitted with a shaft, designed to accept a weathervane.

The proper pitch cut is very important - so the cupola fits snug against the roof. Most cupolas are designed for a roof pitch up to 10 inch rise. (Known as 10/12 inch pitch. ) If the pitch is steeper than 12/12 inch it is important to order the extension base at the time you order your cupola. Some bases are pre-cut to match the exact roof pitch and the siding is relieved along the lower edges so it can be flashed to provide a weather tight seal. Others arrive with a template to be placed on the cupola which is then cut by the owner. Manufactures do this to protect the base from damage during transport. After cutting the base of the cupola to fit the roof pitch follow the manufactures guidelines to seal the cut edges so water does not enter the base causing deterioration. When cupolas are louvered and not used as a ventilation function, some manufactures will mount plexiglass to the inside face of each louvered panel, thus sealing the unit from wind and rain. The roof of the building the cupola will be placed upon will need some preparation prior to placing of the cupola.

If the cupola is for decorative purpose, cut and remove the portion of the ridge cap that would be under the cupola. By doing this the cupola fits snuggly against the roof between the two cut ends of the ridge cap. Roof preparation when the cupola is going to be used for ventilation: cut an opening in the roof along the peak 6 inches smaller than the width of the cupola, cutting only shingles and sheathing. DO NOT cut ridge or rafters. Then cut down from the peak, maintaining a 3 inch minimum boarder inside the cupola base. Once the cupola is in place, one needs to make sure it is level. Some cupolas are shipped with pre-drilled holes in the base. If one drills the holes it is recommended that holes be at least 3 inches in from the corners of the cupola base. Fasten the cupola to the roof with screws long enough to penetrate the roof boards. Caulk where base and the roof meet on angle sides.

Fill the screw holes and apply 1-2 coats of a good latex or oil base paint. Remember the cupola is on top of the roof and needs to be properly sealed against the elements to provide for its longevity. Now, get off the roof and look at that beautiful architectural accent. They say you can't judge a book by its cover, but when it comes to homes and commercial buildings, the exterior can be just as important as the interior. Just adding the right accents can transform homes and businesses curb appeal. Where first impressions begin!

Elda Titus, owner of Prairie Rose Country provides cupolas built out of marine plywood, assembled by quality craftsman, caulked, sealed, primed and painted interior and exterior prior to shipment. These dome structures, have a copper roof, an eye-catching appeal. To get your business or home the look to stand out from the crowd and add curb appeal, check out these easy add-on cupolas and weathervanes

http://prairierosecountry.com

Exterior Doors - San Deigo Home Tips

There are many choices when it comes to exterior doors for your home. The three most popular door types are wood, fiberglass and steel. Factors such as where you live, the exact style or design you want and your budget will all affect your decision. If you are thinking about replacing your exterior front entry door then you should think about all the great benefits to a new front door such as adding curb appeal and value to your home. A new door will also give the exterior of your home a quick update for a relatively low price. In fact, you can purchase a really great quality steel door (which is one of the best door types on the market) for about $250.

Wood Doors
Wood doors have been around the longest of all doors and provide the most decorative and personalized options. These traditional doors have other beneficial characteristics such the ability to be painted or stained, a project you could probably handle on your own. Wood doors are made better and stronger today then they used to be. While wood doors do provide a sense of security (being that they are thick and heavy) they are not as secure as fiberglass or steel doors in that they have the potential to be kicked in. You can also choose from a variety of finishes for a wooden door and easily customize decorative glass for the door. If you live in a hot climate such as Las Vegas or Palm Springs then a wood door may not be best for your home because the wood can swell and end up costing you time and money from having to maintain and fix the door. If you want a warm and traditional feel to your home and top security isn't a priority for you, then wood doors are an excellent option.

Fiberglass Doors
If you are looking for a strong, very secure and very energy efficient door then a fiberglass door is a great option for you. Fiberglass doors look and feel like wood but won't crack, warp, scratch, peel, swell or expand like wood and are three times stronger than wood doors and in some cases can be easily painted or stained. These doors have a wood grain texture molded into them which gives the appearance of a real wood door when painted or stained. Fiberglass doors resemble wood doors so closely that it is hard to differentiate between which one is real wood and which one is fiberglass. These doors provide added security protection and greater insulating quality- while keeping to a traditional theme with less maintenance than wood doors.

Steel Doors
Steel doors are the most energy efficient of the doors discussed here but do not have as much decorative options as wood. Steel doors are the best option for those who live in areas that are subject to harsh weather such as hurricanes or tornados since they are so tough and strong and also hold up to all the elements (such as heavy rain and snow) well. Another great benefit to steel doors is that they don't chip or crack or even warp. Another perk is that many steel doors come with a fireproof option. Keep in mind that steel doors can get dents but can also be easily repaired if needed. Being that steel doors are so strong and secure and the most cost efficient, they will probably continue to be one of the most popular door choices.

Whatever door you choose for your home, make sure that you weigh out the advantages and disadvantages of each door type to find the one that suits you best. You will also want to make sure that you find a professional contractor to install your new door properly.

Miriam Tatelbaum is a content writer for Networx.com

At Networx.com, we connect you with local contractors who are trustworthy, quality professionals that are screened by us and reviewed by you. Make sure you click this link Doors Networx to find a reliable, local door contractor in your area and to receive free quotes.

Estimating Building Construction Costs - Building Advice

The practice of estimating building construction costs is as important a step as the construction itself. In building a home, a facility or any other structure, it is important to approximate the amount that will be used on the project or come up with an estimate as close as possible to the actual costs. Most construction project failures, be it domestic or commercial, are caused by lack of balance in the anticipated cost of the project and the actual expenses.

Elements of a building construction cost estimate

A building cost estimate should take into consideration a lot of factors. First is the time-frame of the project and the type and size of the building or structure that will be built. Another is labor cost or the wages that will be paid to the workers who will be doing the job. Third is the price of the materials like cement, metal, wood and whatever building supplies that will be used in the structure.

Another important concern is the equipment cost or the cost of the machinery that will be used in building the house or the facility. Subcontractor costs are also significant. And so are indirect costs, which are extras that will be spent outside the primary cost concerns. Aside from these, other expenses such as taxes, compliance costs and certification should be included in the estimate.

Tools of cost estimates

There are a number of tools and services that a building or home owner can consider to come up with an estimate for the project. One is the free online building estimate tool. These free online tools can be easily accessed and can provide a useful estimate for the project. Take note, though, that such tools are very basic and are good only for the start of the project.

Another option is hiring a professional cost estimator. There are a number of these professionals who will be more than willing to lend their services for a certain fee. Check for certification or choose the ones recommended by someone who has already tried the estimator's services. Software programs are also another option. These software packages are used by architects and builders when they make their own estimates and are deemed reliable. However, one might need an expert who knows how to use these programs and how to interpret the data they provide for them to be effective.

It is important to have an estimate of building construction costs before a homeowner or facility builder proceeds with the project. Unless the project will have unlimited budget and the owner can afford to throw a lot of money away, then estimates might not be needed. But then, we all know there is no one in the world who would risk wasting his money on an unplanned construction project, particularly the richest among us.

Learn more about using Construction Cost Data to make accurate project estimates and software that can assist you at => http://www.construction--estimating.com

Relax in Luxury With Free Standing Bathtubs

Everyone deserves a wonderfully relaxing bubble bath once in awhile. After a long day of meetings, phone calls, and carpools, you need to soak away your worries in warm soapy water while you listen to one of your favorite CDs or read a great book. While most people decide to take a shower in the mornings because it is the most efficient way to clean up before work, a bath is by far the more luxurious of the two. This experience is the perfect way to relieve stress after a crazy week. If you are interested in purchasing a new bathtub, you will be surprised by the hundreds of options that are available today!

Free standing bathtubs are becoming more and more popular in remodeled bathrooms. Unlike the traditional bathtub that fits snugly as a drop-in style in the provided corner of your bathroom, the free standing tub can sit anywhere in the room. This setup requires you to be creative with your plumbing but, if you are remodeling, your contractor will be able to accommodate this request easily.

Traditionally, these bathtubs have been cradled on stylish claw feet and there are many bathtub manufacturers that are bringing this look back. There are also models that sit on a pedestal or completely on the floor, depending on the design that you choose. Another style of free standing tub is called "Bateau," because it is shaped like a small boat. This design is a very deep bathtub that is so large, it can usually accommodate two people. The benefit of freestanding bathtubs is that they can make a bold design statement, give a sense of elegance to the room, and do not require any caulking!

If you are interested in a bathtub that saves you space, I would recommend a corner tub. These tubs fit perfectly in a corner and give you a roomier bathing experience than you thought possible! You also have large shelf space with a corner tub so that you can easily lay out all your soaps and loofas.

If you are interested in a spa like experience, you can even purchase a whirlpool tub, complete with massage jets and hydrotherapy. There are so many luxurious choices that it will be difficult choosing just one!

If you would like more information on free standing bathtubs or clawfoot tubs, please visit the Simply Bathtubs website.