Family Discount Cruises, Fact or Fiction?

Many people believe Family Discount Cruises are nothing more than a myth. This group tends to be more likely the inexperienced, infrequent traveler. If you are interested in booking a family vacation cruise you should disregard this popular myth. Believing that family discount cruises do not exist could cost you a lot of money.

Dismiss the myth. Family Discount Cruises do indeed exist and are saving families thousands of dollars while enjoying fantastic, fun filled vacations aboard some amazing luxurious cruise ships.

No matter the economy, people look for discounts, deals and other ways to lower the cost of their vacation. Today, wise shoppers use coupons and other special offers to save money on goods and services. These same shoppers seeking to save money on groceries and other retail goods can save a good deal of money when booking a cruise vacation.

When booking a family discount cruise, there are a number of different options. Before deciding on your next cruise you should investigate every one of them. You’ll be surprised at how many cruise ship discounts are out there.

The most popular and easiest way to find discounts on a wide range of family cruises and vacations is only one click of the mouse.

Simply do a Google search for “Family Discount Cruises” or “Discounted Cruises” and you will find many resources.

Caveat Emptor!

Don’t make a hasty decision. Delay any bookings until you exhausted all options available. There are different resources at your disposal and you should take your time to investigate all of them.

Discount travel websites are popular for finding discounts on cruise and other vacations. Some well known travel sites are Expedia, Travelocity and Orbitz to name a few. With regard to travel websites, you are encouraged to exhaust your search completely before providing them with your personal information.

Some people feel comfortable contacting the cruise line directly, particularly if they are looking to take a last minute cruise. One word of caution here. Be aware that the cruise line will not book your cruise. They will always refer you to contact a professional travel agent..

If you belong to a membership club, you should investigate any deals they may be offering. In addition to roadside vehicle assistance, auto clubs provide special deals on a wide range of vacation travel. Another well respected membership club regularly offer great deals to senior citizens.

One alternative to researching Family Discount Cruises is to work with a professional travel agent. Travelers that work with professional agents do so for the personal attention and service not available with travel websites and membership clubs. These professional travel agents operate locally and online.

Another travel myth is that travel agents rates are higher than their online competitors. This is not true.

That myth is totally unfounded by experience. The professional travel agent industry control a large block of travelers and because of their tremendous buying power they do indeed get preferential treatment from every travel vendor.

Cruise lines rely on the profession agents in order to get more of that agents customers. In fact, some well established and well respected travel agencies receive unbelievable deals that are not available to the general public.

With a small amount of time and research or professional assistance you can easily find many low cost cruises.

Why miss out on the fun and excitement of cruising, when you now know there are plenty of Family Discount Cruises available.

You just have to know where to find them.

5 Best Books on Wealth Ever Written

1. Think and Grow Rich

Originally published in 1937, this classic best-seller is undoubtedly one of the best books on wealth ever written. This book helped millions of people around the world to achieve their dreams. The author, Napoleon Hill spent a lifetime doing research on successful, wealthy and most powerful people on earth, including Henry Ford, Andrew Carnegie, Thomas Edison, John D. Rockefeller and Charles M. Schwab. In this book, Napoleon Hill revealed his wisdom of research in the form of ‘thirteen steps to riches’ that will change your life.

2. The Richest Man in Babylon

Published in 1926, this classic is considered as one of the most inspiring books on wealth ever written. Beloved by millions, this timeless classic holds the key to all you desire and everything you wish to accomplish. This is the book that reveals the secret to personal wealth. This is the book that holds the secrets to acquiring money, keeping money, and making money earn more money. Countless readers have been helped with this famous book. This book offers an understanding of-and a solution to-your personal financial problems that will guide you through a lifetime.

3. Rich Dad Poor Dad

Rich Dad Poor Dad is the single best personal finance book ever written and has been a best-seller for many years. Have you ever wanted to know why the rich get richer and the poor get poorer or why many highly educated people struggle financially all their life? Then this book will give you the answers. This book will show you how rich, middle-class and poor people spend their money. In this book, the author Robert Kiyosaki gives you some excellent advice that can change your life.

4. Secrets of the Millionaire Mind

This book has appeared on the New York Times best-seller list and was #1 on the Wall Street Journal’s business-book list. In this outstanding book, the author T. Harv Eker teaches you how to think and act like a rich person. According to T. Harv Eker if you think like rich people think and do what rich people do, chances are you’ll get rich too! Using the principles he teaches, T. Harv Eker went from zero to millionaire in only two and a half years. He believes that the key to attaining great wealth begins with thinking because thoughts lead to feelings, which lead to actions, which lead to results. A must read book on wealth creation.

5. The Millionaire Next Door

Millionaires are too often stereotyped as having extravagant lifestyles and irresponsible fiscal habits. But, the truth is more than 99% of millionaires are hard working, methodical savers and investors. In this best-seller, the authors: Thomas J. Stanley and William D. Danko reveal that most of the millionaires are remarkably frugal and careful with their money. Most of the truly wealthy in America do not live in Beverly Hills or on Park Avenue – they live next door. They are the people who own the dry cleaning business, the car dealership, the restaurant chain, the bread company, the jewelry store, the cattle ranch, the trucking company, and the plumbing supply store. Read this book to know how millionaires created their wealth.

Tips To Choose Summer Bedding

Everyone loves to have an eyeful of sleep. But it needs favorable conditions. When mercury is scaling up, you have to negate the negative effects of the temperature with suitable bedding material in the bedroom. Especially in the summer months, people find it difficult to sleep for a long time due to perspiration and heat. Not only the mattress but also the bedding impacts the sleep pattern. So, choose the proper bedding and linen that absorbs your stress and also refresh the body for the next day. Here are a few points that should be taken into account while shopping for Bedding material.

First of all, identify the bedding which is helpful in the summer to keep you cool. Quilts, Blankets, Duvets, Bed Sheets, Comforters are used for the bedding.

1. A quilt is a combination of different layers stuffed with cotton or fiber. The layers are stitched in such a way the stuffed material will remain intact with the stitched pattern. Quilts help to retain the temperature and offer warmth to the user. But are not advised for summer bedding. Wool Cotton Quilts are light and breathable. So, choose Wool Cotton Quilts over normal Quilts for the summer.

2. A Blanket is a single layered bed covering, unlike quilts. It is relatively lighter than a quilt and also provides warmth to the user.

3. A Duvet is a Bedspread which is filled with feathers or wool. These are generally used with covers to reduce the maintenance. It is recommended for winter months.

4. Comforters are similar to Quilts in most aspects. The differences between the quilt and the comforter are the fabric, the Patterns, the stuffing material. Comforters are stuffed with polyester material. So they are light.

5. A Bed sheet is a simple spreadsheet over the bed. It is lighter than all other bedding material. It has nothing to do with the temperature control.

While choosing the bedding material, consider the following points.

The color of the bedding

It is apparent that Light colors reflect the heat, unlike the dark colors. So choose a Light colored bedding for the summer. Dark colored sheets trap the heat and cause inconvenience to you during the nighttime. White or Beige Colors are the best choice, though they require a bit of maintenance.

Natural or Artificial Quilt Covers

Cotton fibers are second to none in terms of comfort it offers in the summer. Natural materials like Linen or Cotton has many advantages than the synthetic fibers like polyester. Natural fibers are light in weight and they are breathable materials. So, they bring you comfort as well as peaceful sleep. Artificial Fibers are affordable and light in weight but are not suitable for summer.

Thread Count

The density of the fabric influences the design, embroidery, durability, and the pattern. If the thread count is more, then it gives a scope for the designer to weave a plush pattern on the bedding material. If the bedding is too dense and the thread count is higher, it affects the breathing ability of the fabric. So, it is recommended to use the bedding with a mid-range thread count.

Cotton Vs Linen

When it comes to natural fibers, many people got stuck at the crossroads of Linen and Cotton.

Linen is made from the stalk of the Flax plant. It is stronger than cotton fiber. It has a high moisture absorbing capacity and eco-friendly. It has a high breathing capacity, which allows the air to circulate. Structurally, it is stronger and will not deform. It is also hypoallergenic which makes it the best choice for baby bedding. Linen is also referred as nature’s wicker.

Cotton material is having a higher thread count than Linen. So it affects breathing. But it is soft to touch and resilient. You can also look for a Cotton Fabric which is blended with a Linen. It offers the advantages of both fabrics. The Bedroom D├ęcor is incomplete without a proper bedding.

CHI vs. FHI – Which Is The Best Flat Iron?

Both CHI and FHI flat irons remain a popular choice as hair straighteners. Both offer similar plate widths, flash heat for quick heat-up time and are lightweight. But is the CHI Farouk Turbo flat iron better than the FHI Heat Technique Professional flash iron or do FHI flat irons outperform CHI flat irons?

FHI and CHI flat irons are similar in many respects. They offer pretty much the same plate widths; the CHI Farouk Turbo flat iron comes with .7″, 1″ and 2″ plates, whereas FHI flat irons come with 1″, 1 ¼” and 1 ¾” plates. Also, both CHI and FHI flat irons come with flash heating, so that the plates are hot and ready to use within seconds. And both flat irons come with one year’s warranty. However, there are some key differences between the CHI flat iron and the FHI flat iron.

In my opinion, the build quality and design of the CHI flat iron is superior to that that of the FHI flat iron. The handle on the CHI is more ergonomically designed and feels better in your hand; this is an important consideration if you will be using a flat iron a lot of the time and it makes straightening hair a lot easier and more pleasant. Both brands of flat iron come with swivel cords so you don’t get tangled up but the CHI cord is longer than that of the FHI flat iron. Again, this is a plus point, as a longer cord makes using a hair straightener easier; especially when straightening your hair at the back.

The CHI flat iron also uses less power, which saves you money in the long run and is good for the environment. The CHI Turbo flat iron uses only 20 – 25 watts whereas the FHI Heat Technique uses 58 watts.

So, with CHI vs. FHI, does the CHI flat iron win hands-down? Not quite.

All CHI Farouk Turbo use ceramic plates. Ceramic plates are used in flat irons because the smoothing surface is incredibly flat thus helping reducing tangling and knots. Ceramic plates also produce negative ions that are important as these lock in moisture, prevent frizziness and keep your hair straighter for longer. But ceramic plates have now been surpassed by ceramic plates that are infused with tourmaline.

CHI flat irons don’t have tourmaline plates but the FHI Heat Technique Professional Ceramic flat iron does. Tourmaline plates produce up to 20 times more negative ions than ceramic plates. Tourmaline plates also protect color and retards fading by sealing in color molecules and allows the color to last up to 2 weeks longer.

Not only does the FHI Heat technique Professional beat the CHI Farouk on straightening power, it also costs less. In fact, FHI flat irons are considerably cheaper than CHI flat irons.

So, which is better, the CHI or FHI flat iron?

Well, it all depends on your needs and what you want from your flat iron. If you want a well designed, well-built flat iron, then the CHI Farouk flat iron is for you. But, if you want a tourmaline flat iron, then the FHI is the recommended choice. Finally, you should consider price. FHI flat irons are cheaper than CHI flat irons. If you’re on a budget or don’t want to spend a lot on a quality flat iron, the FHI is the one. Both the CHI and FHI flat iron are top rated flat irons. Just decide what you want and how much you want to spend.

Floor Steam Mop Versus Steam Vacuum, Advantages And Disadvantages Of Each

Why even consider getting a floor steam mop or a floor steam vacuum? If you are like me and are doing your own house cleaning, you might be faced with a dilemma as of how to best use your time and resources when it comes to cleaning your living spaces, the kitchen, the bathroom area, and the shower area.

Your carpet in the living room may have developed several dark stains that will not go away by vacuuming alone. The tiles in the shower may have developed dark grout, and the sinks may be covered with shampoo and soap stains.

Since you have already spend over $100 for the vacuum cleaner which doesn’t really do the job to your satisfaction, you want to make sure you are getting a piece of machinery that will do a better job, that is for sure.

We will discuss here pros and cons of two competing carpet cleaning technologies that go beyond vacuuming. The first one is a carpet steamer, or a carpet steam mop, and the second one is the carpet steam vacuum. We will discuss the advantages and disadvantages of both.

Floor steam mops

Floor steam mop is an appliance that looks like a mop but it has a canister attached to it, and uses an electric heater to bring the water in the canister to a boil. The resulting water vapor is then led through the mop handle and the vapor is then sprayed through the micro fiber pad at the top of the mop. The micro fiber then mops the debris from the floor or the carpet that you are canvassing.

A big advantage for many people of the steam floor mop is that it is environmentally friendly, that is, it will not dispense harmful and potentially toxic chemicals in your house that might take days to be removed, and may even accumulate, causing air toxicity in the house.

A disadvantage of the steam mop cleaner is that, even with a high temperature setting of as much as 300 F, before the steam reaches the tip of the mop, it is already chilled significantly. That means that, in all likelihood, the steam will not be as effective in removing carpet stains, or any other stains from the floors or tiles. Also, the effectiveness of the micro fiber pad in removing all the resulting debris is in question.

You may be able to remedy the low temperature problem by removing the steam mop stick or using a shorter one. That way, the steam temperature will be maximized, and tougher stains will be removed.

Floor steam vacuums

The steam vacuum is similar to a steam mop, but it has an additional feature, namely, it sprays the water onto the carpet, agitates the carpet, and then vacuums the resulting liquid back into the “dirty water” tank.

The advantage of a steam vacuum is that, since it does vacuum up most of the debris, it is typically used with detergents and cleaning chemicals, which enables it to be more effective in fighting carpet stains, even compared with the best steam mops.

However, when you are environmentally conscious, you will realize that, even the best suction mechanism will not remove all chemicals from the carpet or the air.

So as you see, the decision of what would be the best floor cleaner depends largely on you.

Your Economy Vs The Economy

You are probably wondering how one can create their own economy. Seems impossible, right? Wrong.

Actually, there are people who are starting successful home businesses every day. You can be one of them. A common characteristic of all these people is their passion for financial freedom. They hate the economy. You see the thing with the economy is that you do not have any control of your destiny.

Just check Omar & Melinda Martin’s story. Google them. See how they lifted themselves from being homeless to creating several 7 figure income online businesses and they dominate on JV leaderboards pretty much everywhere.

You, therefore, need to figure how you can create your own economy. The fastest and painless way is to start your online business. Painless in the sense that unlike brick and mortar business a budget of a $100 can get you off to a fast start.

Getting started is not that difficult. Just find something you’re passionate about and start promoting products in a niche of your choice to earn affiliate commissions.

As you start to see some profits come in you will eventually need to have your own website. It will help you brand yourself where you will become an expert in your niche. You are also in a much better position to build your own mailing list.

Money is always in the list. Why? You can always keep promoting your own products and affiliate products o your list. They trust you and they will buy from you.

There are several places where you can get training and mentorship for a reasonably priced plan to get you started.

Internet market simply gives you an advantage in that there are many tools that you can leverage to automate and propel your business.

This is how you create your economy and have control over it. You decide how long you want to make and how much money you want to make.

Now let’s look at the economy… the one where you don’t have control over. Unfortunately, 95% of people think they have no option out of this economy.

How can that be? The internet itself is changing at lightning speed and with that comes many opportunities where the need to offer solutions and services is intrinsically endless.

What Exactly Happens in the Economy?

I am going to break this down in a way you that is easy for you to understand. The economy is a huge system. We all take part in the economy one way or another. However, more than 95% of the people are employed. They work for other people. Building and creating wealth for others in return for wages. These are typical steps in the economy:

Get a Good Education

Schools educate children with one objective in mind. To create a future pool of employment for businesses. Kids are told to get a good education and grades. Possibly obtain a University degree.

Once a person completes almost 16 years of education they proceed to look for a job in the economy.

Mind you some jobs pay better and people get a sense of accomplishment. The overall objective is that your good job will somehow give you some security and you work until you reach your retirement age.

A good job should, therefore, pay you a decent salary, provide with medical, dental and health insurance. Above all, it does guarantee a retirement income from which you can then enjoy the fruits of your labor.

However, what you fail to notice in the economy is that you have just spent the rest of your life creating wealth and building assets for someone else.

You Finally Get the Job And?

Your employer controls your life. You have to commute to work daily leaving your family behind and putting in long hours.

Success at work brings a promotion. A promotion, in turn, brings more workload and stress in your life. Those endless meetings you have to attend, the clients whose contracts you have to service.

All this require more and more of your attention and time. The phone calls never stop coming. Imagine the diary of appointments that you have to keep up with.

Talk about the texts to which you have to respond to.You even risk your life doing so while driving.

Success in the economy comes with a price tag. You have to sacrifice a lot in order to meet the demands and pressure of your job. You spend less and less time with your family, friends and loved ones.

In most cases, most relationships will end up in a divorce as one spouse focuses more and more on the job and less on the relationship.

Yes You Have to Pay your Dues (Taxes)

In the above setup, you have to pay your taxes. It is a known fact that non-business owners or employees regardless of your job position, pay higher taxes than the business owners or companies.

And there is a reason to that, or so goes the justification.

If businesses pay taxes at the same rate as their employees, they would not be in a position to create employment opportunities. After all, the payroll comes with additional costs such as employer contributions towards your health, dental and pension benefits.

This is the sole reason why most people go on strikes. The employer argues that to increase your salary or wage will result in their inability to expand their businesses and hire more people to meet demand.

They would rather see your wages go down and their profits go up. All in the name of shareholders and since you work for them you couldn’t be possibly be one of them (shareholders).

Actually, employers have more credits than you can possibly imagine. Do you know that they get substantial rebates for WISB for reporting zero or minimal workplace accidents or injuries?

Talk about those long hours you put in for less!

You will have to put in long hours into your work. The schedules seem to balloon each and every day that passes. The more experience you have with your employer, the more problems they expect you to solve.

You salary or wage increments that are just enough to keep you in your present job. After all the economy is just recovering from a global recession. You don’t want to be the John Doe that was laid off from their job.

Loss of Control

You typically do not have any control over how you do your work. Your boss controls that. You only get vacation time away when your boss approves. It does not matter how many hours you work or the intrinsic value you bring to your workplace… your wage remains flatlined.

Meanwhile, you have bills to pay, hydro, gas, phone, internet and more. You are hardly making ends meet. You keep falling behind and you begin to think about working a second job. Even this does not rescue you out of your predicament.

The stress levels will begin to peak, your health will start to take a hit and you start calling in.

In a nutshell, it is just so miserable to be working a day job. At the end of your working life, there is really nothing to show for it. Your retirement income will be overtaken by inflation and you continue to play catch up.

That reminds me of a very sad story indeed. I was at a Money Mart years back trying to remit some money back home. I saw a retired gentleman who was arguing with the person behind the counter. There was a dispute about how much he had to pay. From the ensuing conversation, I picked up that the gentlemen was on his retirement retired. His retirement income was not enough and he would fall behind each week.

He would come to this Money mart each week to borrow against his retirement check. When he gets paid he would pay back and then borrow some more money. At the time of writing this article, the cost of borrowing was $21 for every $100.

You can imagine yourself that this gentleman’s financial situation was deteriorating with each visit.

You don’t want to be that gentleman. You need to start thinking about how you can create your own economy by leveraging what the internet has to offer.

You do not need any special skills to get started. Anyone can do this.

Getting Started

Getting started like I said earlier is not hard. Do you know something that someone does not know?. You can earn money from that. All you need to do is to figure out what your passion is. In online marketing working on things you are passionate about will take the job out of your online marketing efforts.

You will be in a position to enjoy what you will be doing and this positively affects your attitude and keeps your motivation floating high.

Learn how to find niches in which you can promote products for commissions, Affiliate marketing is the easiest way to break into internet marketing. You don’t need to have products of your own. You simply promote other people’s products for a commission. The digital space provides higher commissions and in some cases giving you 100% of the front end product being promoted.

Much of your efforts will be spent in researching your target audience finding out what problems they have. Once you know this, you find a product that helps solve that problem and they buy from your link and you get paid.

It is as simple as that.

In my next article, I will be talking about the several ways in which you can make money online. And there are many ways you can do so. Blogging is one of them.


In the general economy, we all do not have control over events that happen in our pursuit of financial freedom. Events such as recession can result in job losses.

You are basically creating wealth for others in the economy.

You need to look at ways in which you can gain financial freedom. You can only do this by harnessing the power of the internet to create your own economy.

Here, you are your own boss and you can literally print your own money if you do it correctly.

You need to review your mindset and get a mentor so that you can leverage their knowledge to propel yourself on a fast path to internet profits.

So go ahead and get started. Just remember that you will need to put some work initially as you will be in the learning stages. Over time when most things become second nature you just rinse and repeat for more profits.

When you take sustained action you will begin to see some results and you will eventually reach a time when you will replace your day job salary. Now that’s financial freedom.

After that the sky is the limit. Many people say… you are only limited by your imagination.

Profile Photo Tips – Dos and Don’ts

The question often comes up on what types of pictures to put up on dating sites, and how many. Generally, you want to put up more than one picture, and include photos of yourself in different places and circumstances, engaging in different activities. This gives potential dates an idea of what kinds of things you enjoy, and where you like to go.

Beyond that, here are a few dos and don’ts that may help you decide on which photos to upload.

1) Do post pictures of yourself smiling. This generally is regarded more positively by most people, and makes you seem friendly. A friendly, smiling face is also more likely to generate interest and encourage communication.

2) Do not post pictures that include ex-boyfriends or ex-girlfriends. This may seem obvious, but many people post pictures with previous romantic acquaintances, sometimes in cuddly situations, and this can be a turnoff to many people. Remember, people are on dating sites to start new relationships, and if you have photos of yourself in previous relationships, it may seem like you are not over them yet.

3) Do include full body photos if you can. Many people express a preference for more than just a head shot. If you show just your face, some people think you may be hiding something. Even if you don’t have the best figure, it’s better to show at least 1/2 to 3/4 of your body to give a better idea of what you look like. People are going to find out how you look eventually anyway, and it’s better to be upfront.

4) Do post recent pictures. 2 or 3 year-old photos may still be okay, but a picture from 5 to 10 years ago is probably not appropriate or representative of how you look now. We all looked better when we were a lot younger, but the point should be to post photos that are accurate and show who you are today.

5) Do post clear, well-lit pictures. Many people have photos that are too dark or otherwise unclear. Again, this may come off like you are hiding something. It should not be difficult to get a clear photo using any decent digital camera. Dark/light photos can be adjusted with photo imaging software, and if you don’t have one, a friend can probably edit the picture for you in 5 minutes.

6) Do use natural photos instead of glamour shots.

7) Do edit your photos. Do not make them too small, and crop out unnecessary things or empty space from the photo. The pictures should be about you, so eliminate anything that does not relate directly to who you are.

Make sure you pick your photos carefully. Have fun selecting your photos, and as much as possible, use photos that bring out what makes you   unique  and special.

People Verses Technology

With the recent upsurge of technology, many companies are employing these technologies in many of their operations including sales, record keeping and as far as customer service. Advertising and publicity are now done more effectively than ever, reaching more customers. Another big area that has also evolved with technology is customer service.

Organizations are now employing sophisticated methods to get feedback from customers and give the appropriate response. Some organizations have however gone too far in their bid to employ these sophistications in delivering customer service to their clients. Customer service is now run entirely by automated systems instead of human beings.

Google has reportedly been running most of its services by automated systems. Automated systems provide help to customers; disseminate information to customers and almost everything. Google Health is being run by an automated system, but offers no live help for the system. It means that sick people using this facility only get to interact with a piece of software and not a human.

The fundamental flaw here is that, software is designed to accept a predictable input and produce a predictable output. Human behavior is however unpredictable. If for instance, the health system is designed to prescribe malaria drugs for a patient reporting with a headache and fever. What happens if a patient walks in with a headache but no fever? Provisions could be made for such cases, but there will always be an element of unpredictability at play. A customer service system that suggests solutions may be ineffective when the user encounters a new problem that was not factored in the design of the system.

In any information system that will be used by people, it is very crucial to offer human help to customers, though it may come at a higher cost. Google must be able to offer human help for its facilities as humans are in a better position to handle unpredictable situations than software and hardware.