Adding Programming to My Mobile Plan

I have had AT&T for nearly a dozen years. I knew that they had recently merged with Directv, but I had never researched adding that service to my package. I had cable from a local company, and I was happy enough with them. However, once I received a letter stating they were raising my prices by nearly 20 dollars a month, I knew it was time to look for other options. I looked here and there on the internet because I wanted to find the best deal. That is what is so great about finding entertainment nowadays.

When I first moved here, cable was really my only option unless I wanted to go with a satellite company. I liked the offer given to me by the local company because they were on an aggressive campaign to win customers from the satellite TV companies. Nowadays though, it seems people are streaming programs more than watching them as they air. That is not good news for the cable companies, but it is great news for us consumers.…

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12 Quick Cross-Cultural Tips For Today's Global Executives

12 Quick Cross-Cultural Tips For Today’s Global Executives

Are you a competent executive, but don’t know anything about proper cultural practices, customs, and protocols in other countries? Knowing the right cultural cues and practices is very valuable to create sustainable and profitable relationships when doing international business.

Here are 12 quick tips to increase your awareness and increase your success: –

1) In the East Asian boardroom, which involves new business acquaintances, many executives will arrange the business cards of the participants by the way they sit at the table, so they can be sure to know the right name, title and place it right in the company hierarchy.

2) If you do business in East Asia, be prepared to bring lots of business cards. You will use more than in North America during conferences or similar meetings. Understand the protocol for giving, receiving, handling and storing business cards. Never write on a business card. Store in a classy place above your waist. Using a back pocket or wallet for this purpose won’t work, gentlemen.

3) For men – it’s not uncommon in the Middle East for your local male colleague or client to hold your hand while walking. This means they like and trust you. Be warned, if you think that your hands have suddenly become damp, as a result.

4) In many countries, you can meet local residents in just a few minutes, who may ask rude questions that we usually consider very personal. An example is: Are you married? How many children do you have? Why don’t you have kids? Why are not you married, yet? What is your religion? What do you think of my religion (Hinduism, Buddhism, Islam)? How old are you? How much money do you make? Why isn’t your husband traveling with you? If you are American or British, know that …

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3 Reasons International Business Travelers Need a Roaming SIM Card

3 Reasons International Business Travelers Need a Roaming SIM Card

The 2010 global financial crisis has diminished and businesses are roaming abroad again. Instead of sending emails and relying on responses, they instead head to face-to-face meetings just to make sure everything is okay. However, these travelers are now far more cost-conscious. Exorbitant bills with roaming fees are no longer acceptable to the company. Those who regularly travel for business needs need a roaming SIM card and the purpose of this article is to explain the reason.

In most countries, you will not pay to receive calls –

Using a landline means you pay exorbitant roaming rates for outgoing calls but you also end up spending a lot of money to receive calls. If you get a roaming SIM card, you can cut this bill by up to 70% or more because you won’t pay to receive calls. Even countries where you have to pay to receive calls will incur a fraction of what you will pay with your home cellphone.

You don’t have to constantly change phone numbers –

A few years ago, some travelers recommended getting a prepaid SIM card in every country you visited. This causes unnecessary costs because you constantly have to call the office, your family and your friends just to update it with your new telephone number. With international call rates, these costs can add up quite quickly. A roaming SIM card means that you only have one number in any country you travel so you don’t need to constantly update people about your contact details.

Roaming SIM cards are generally prepaid so you can track your expenses –

It’s easy to fool yourself if you use your home cell phone that you aren’t on the phone for that long when in fact you can easily save a total call cost of hundreds of …

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Will Apple Shares Go Hyperbolic to a Market Capitalization of Over 2 Trillion?

Will Apple Shares Go Hyperbolic to a Market Capitalization of Over 2 Trillion?

It is amazing the types of contrived sound and fury we hear on the financial news each day, not to mention the conspiracy theories of all those who love to short the market come up with, yes some are purely delusional, others are market makers and have a stake in the game, while still there are those who make it up as they go for the occasional prime time financial news sound bites. Okay so, let’s discuss all this and what it has to do with the price of rice in China or the stock prices on the NYSE, DOW, or NASDAQ shall we? But first a quick story of something I heard on TV not too long ago.

I’m sorry but I couldn’t keep my mouth shut after I heard the man at Market Watch tell me that Apple will get $ 2000 per share in mid-2014 – “Oh, for Pete’s Sake, give me a chance!” I shouted into the living room! Do you know what that means? That would mean a market cap of something like $2 Trillion, which I might remind you no company has ever achieved, in fact, no company has gotten to $1 Trillion yet. See what I mean?

That kind of reminds me of CALPERS (California Teacher’s Pension Fund) whose brilliant economic forecasters called the stock market to hit 96,000 points by 2075 and as long as everything kept going up at that rate, they’d all be fine. Are you kidding me? No wonder all the large government and corporate pension funds in the country are so messed up and underfunded to the tune of 10s of billions of dollars. Who comes up with this nonsense anyway?

Okay so, what is the moral of the story here you ask, I mean why did I …

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The Election and Your Financial Plan

The Election and Your Financial Plan

The financial news media and social media have been buzzing about the election results and the potential impact on your pocketbook. There has been much speculation about taxes, healthcare, and certainly which stocks and stock sectors might benefit from the Republican gains.

What should you do financially in the wake of the election? Nothing!

The election is a big story for the likes of CNBC, The Wall Street Journal, and others. There is a lot of speculation and uncertainty. This creates interest and hopefully attracts viewers/readers.

Those of you who read my blog or follow me on social media know that I advocate the use of a financial plan as the basis of most financial decisions. Reacting to elections or other big events is usually not a good idea. For example, many investors who panicked and sold investments during the 2008-09 market decline were generally behind investors who were stuck with their investment plans, at least based on my experience.

In all likelihood there will be some changes in the coming months in areas such as income taxes and hopefully on the estate tax front. These changes may well impact the way in which investment gains are taxed, they may favorably or unfavorably impact certain industries, and could impact the rules for passing your assets on to the next generation. All of this is, however, speculation and should not be the basis of any financial planning decisions at this point.

Clearly some of these potential changes might create the need to adjust some strategies for some clients down the road. I know that I monitor these types of developments with an eye towards which of my clients might be impacted.

For now my suggestion is to monitor the news and to stick with your financial plan. As always, your financial …

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Pet Food For Your Pet’s Health

Pet Food For Your Pet’s Health

It is important to feed your pet the right pet food for a long and healthy life. Searching online and talking to veterinarians, will help you decide what is best for them. Ask questions and get answers for your pet, because they rely on you to feed them properly.

Most pets are more than just animals in our home. They are like members of our family. So, we need to treat them like we treat other family members. Pet food is not always available for purchase at the store. First prepared commercially was dog biscuits around 1860. Since then it has grown. It’s very difficult to know what nutrients are right for your animal, as they all claim.

Most of the meat used in dog or cat food, is a by-product that is not considered a human class. There are some big supporters of raw food for domestic dogs and cats. This diet is similar to wild animals. Proponents feel that commercial pet food is a poor substitute for raw feed.

If you decide to feed raw food to your animals, make sure they receive the right nutrition. Animals have different nutritional needs than humans. And that may not be immediately apparent, if there are deficiencies. Many homemade foods, maybe unbalanced and incomplete for your pet.

The dog and cat food business is a multi-billion business. Dried and canned food is available at most grocery stores and many department stores. There are many pet stores where you can buy special food, as well as at the vet. Online there are many websites to find information about various pet foods and find what you want. The web is a great place to look for questions you might have about what is in certain foods for your pet.

Pet food can be …

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