Naxos is the largest island in the Cyclades the group of islands in the center of the Aegean. The island is eighteen miles in length and 12 miles wide and is oval in shape.It is also the most fertile, and this makes it one of the most beautiful. But it is the miles of unbroken golden sandy beaches that attracts the majority of the thousands of summer tourists that flock to Naxos every year.For the holidaymakers who can drag themselves away from the glorious beaches, Naxos provides a wealth of ancient Greek remains as well as plenty of Byzantine and Venetian history. The island’s capital, also called Naxos, has a Venetian fortress as well as an ancient Greek temple to Apollo.This temple is usually the first thing that a tourist sees when visiting Naxos by ferry because it stands proudly on the tip of the island, marking the way into the busy ferry port. The temple dates back to 522 BC but its ruinous appearance is not because much of it has been lost to the passage of time, but rather because the ancients never finished building it.Naxos town is very picturesque port with a maze of whitewashed streets and alleyways, designed with the frequent invasions from Aegean pirates in mind. Its typically Cycladic architecture blends with the Venetian and every turning invites the visitor to explore.With such romantic charm and mystique, it is little wonder that Naxos has long been popular with writers and artists. Lord Byron visited in his youth and never forgot the experience, referring to it in his writings as the ‘Dream Island’ and often saying that he would love to return some day.Naxos has 41 villages and most are worth exploring. They are found in the green fertile, valleys that are sandwiched between the rugged, arid mountains. Many of these are over 2000 feet high and the highest, Mount Zeus is 3,200 feet.Naxos enjoys the economic rewards of being a tourist island but it does not depend on them for its prosperity. A great deal of farming takes place in its rich valleys and the cultivation of lemons is especially successful. In addition to lemons, Naxos produces cherries, pomegranates and other fresh fruit. It also produces olives, nuts and potatoes whilst its grapes make some of the best of Greek wines.Naxos is deservedly popular with discerning tourists but unlike nearby Mykonos, it is not in danger of being turned into a mass tourism resort. What has saved it from doing so is its lack of an international airport. There is however an excellent airport providing domestic flights and some tourists, mainly Greek holidaymakers, arrive in Naxos this way, flying from Athens. The majority of tourists arrive by ferry however, and there is no better way to start a Greek island holiday than this. You can sail all the way from Athens but it will take at least six hours. Or you can fly to Mykonos and get on a ferry that takes only two hours. Both options have their pros and cons. We flew to Mykonos one year only to find all the ferries were booked. Another travel tip, whichever route you choose, is to be careful that you get off at the right island. The first time we visited Naxos, we misheard a landing announcement and got off the ferry only to see a sign that read ‘Welcome to Paros’. Luckily, we had enough time to re-board and complete the remaining minutes of the journey to neighboring Naxos.
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How to Get Started in Real Estate Investing the Right Way – Guidelines to Real Estate Investing
Real Estate Investing is a great way to create residual income and build long term wealth. In my opinion there is no other business where a normal person can build life changing wealth if they take the time necessary to learn how to invest in real estate the right way, develop goals and action plans, and implement proven business models.However, one of the biggest mistakes both new and old real estate investors make is thinking that the fastest way to succeed in real estate investing is finding properties at deep discounts, investing a few dollars in repairs, and then selling them at or near retail. Although this strategy sounds like it makes sense on the surface and even may work for a while, in reality it’s what gets many real estate investors in trouble down the stretch. The real key to insuring a long and successful life in real estate investing is to look at investors who are successful and study what they do and use their models in your business.Those of us who have been around for a while and have enjoyed great levels of success in our real estate investing business understand that the very first step should be the development of a business and action plans. If you do not know where you want your investment business to go, how can you expect to get there?Highly successful Investors understand that you must set clear goals, and make plans to achieve them. Goal setting is a vital component in any business that has achieved great levels of success. For example, a famous study conducted at Harvard University found that only 3% of Harvard’s graduating class of 1953 had clear written goals with plans to achieve them. Some twenty years later, the same class was polled again, and it was discovered that the same 3% was worth more in terms of wealth than the other 97% combined!!As a new real estate investor, what you should take from the above example is how important it is to develop a business plan to increase your chances of being a 3%er. There is no great secret why a select few enjoy real success in real estate investing -because there are a lot of 97%ers. Therefore, you must set clear goals, and develop plans to achieve them in order to be a 3%er in the business of real estate investing.
Everything You Wanted to Know About Life Insurance But Were Afraid to Ask
What Is Life Insurance?Life insurance is a written contract between the insurance company and the insured (policy owner). The insurance company agrees to pay a specified amount of money upon the insured’s death. Some policies will also pay a specified benefit in instances of critical illness or terminal illness. During the lifetime of the policy, a premium payment (s) is made by the insured to the insurance company to maintain coverage.Why Should I Have Life Insurance?There are many reasons to have life insurance, but perhaps the three most common reasons are to replace lost income of the insured, pay off a mortgage and pay other bills such as funeral expenses or medical expenses. The funds that your beneficiary receives are usually tax-free and are a very important financial resource. In fact, the tax-free benefit may keep children and spouses from having to liquidate assets at below-market value dollars.What Are The Different Types Of Life Insurance?There are four major forms of life insurance:Term insurance, which is the simplest and most inexpensive type of coverage, is purchased for a specific period of time. There is no cash value or investment feature. When the policy terminates, you will be required to medically re-qualify to secure the best rates.Whole Life insurance has level premiums with both an insurance and investment component. This type of policy accumulates cash value each year which can be used in a variety of ways, such as reducing the premium, increasing the death benefit or withdrawing or borrowing the funds, subject to policy rules and limitations.Universal Life Insurance, like Whole Life insurance, includes an investment component. It combines a term life insurance policy with a tax-deferred interest investment account. Premiums and cash value accumulation is usually lower than a Whole Life policy. However, there is added flexibility regarding altering premium payments and the face amount of coverage.Variable Life Insurance is a permanent life insurance policy with various investment options. Most Variable policies offer numerous “sub-accounts” to the policy owner. The “sub-accounts” consist of many diversifies types of investments including fixed and variable funds. Cash value, like other policies accumulates on a tax-deferred basis.What Are The Different Types Of Term Insurance?There are three main types of term insurance.Renewable term insurance continues in-force for a specified time period…usually in 1, 5 or 10 year increments. After each period of coverage, the policy renews without the insured having to prove insurability. Premiums increase with each renewal, so the longer coverage is in effect, the higher premiums will become.Level term insurance is perhaps the most popular type of term insurance. This type of policy provides a fixed amount of coverage over a pre-specified period of time. The most common level term policies provide coverage for 5, 10, 15 or 20 years. Premiums can also be guaranteed not to increase for the duration of the contract.Decreasing term insurance is most often used to provide mortgage protection. Premiums remain fairly level but the death benefit gradually reduces. Once popular, this type of coverage is rarely used since “guaranteed level term” insurance is generally a much more affordable option.How Much Coverage Should I Have?While it may be impossible to replace the lost income of an insured, an ample amount of life insurance will certainly make a big difference, and provide badly-needed income when finances are strained. A simple method is to calculate 10-12 times your adjusted gross income for a quick calculation. Of course, affordability must also be considered in determining how much life insurance to purchase.How Do I Know Which Company To Choose?The most important factor to consider is the “rating” of the company. Only companies rated “A” by A.M. Best Company should be considered. Any other company may not be as financially stable as the “A” rated companies. There are various other financial ratings available such as “Standard & Poor’s” and “Weiss.” A local experienced insurance broker will be able to research this information for you.Should My Spouse Have Life Insurance?If both spouses are working outside of the home, then insurance should be strongly considered since it is important to protect the earning capacity of each spouse. Naturally, the amount of income will help determine the amount of insurance needed. If one spouse is not a wage-earner, the needed amount of coverage will be reduced, but still necessary because of other expenses.When Can I Cancel My Policy?Actually, you can cancel a policy at any time. You are never obligated to pay a premium if you do not want the coverage. However, keep in mind that if you cancel a policy and want to reinstate or reissue a policy at a later date, you may have to answer medical questions or provide evidence of insurability.
Obtaining Startup Business Loans
If you have tried or asked around, you already know that obtaining startup business loans is no easy task. Bankers are justifiably wary of lending to a startup as most startups fail within a few years. Moreover, the business does not have a balance sheet yet or a credit history. As such, a creditor will have to base the lending decision on the entrepreneur’s personal credit history and the business plan presented.Also, there are a few loans meant for startups by members of minority groups and women. Do check and see if your business will qualify for these loans, as they are easier to obtain. Of course, you need to get a certification stating that the business is a startup by a woman or a minority group member.Even if you do not belong to this special category and have a less than enviable credit history, you can avail of a bad credit startup loan. Such loans are priced higher, that is, the interest rate you have to pay on the startup business loans will be higher. Additionally, you will need to take extra pains to convince potential creditors of the financial viability of your business idea.Another option before a startup is contacting the small business administration for procuring credit business loans. It is easier to get the loans through this organization. However, you still need to do your homework properly. Get all your papers in order and have an excellent business plan ready with projected earnings and profits clearly stated. In case your startup is a few years old, you also need to bring the balance sheets of the last three years. If your business has its own ID, take it along to the creditors when you go to negotiate your loan. It will give your startup more credibility in the eyes of the banker and creditor.For those who are unable to obtain small business loans, the option of approaching venture capitalists or angel investors always exists. However, this equity route has certain drawbacks as the entrepreneur has to consult their fellow partners before making major decisions. Besides, future profits need to be shared – something that will reduce the entrepreneur’s share of profits.Another solution is to approach a leasing finance company to help you purchase the equipment you need to run your startup. Since such loans are considered secure – the finance company will have a lien on the equipment – the loans are easier to obtain. Moreover, the interest burden is lower, in tune with the lower risk to the lender.Whether you decide to go in for a bank loan or a leasing finance or use the funds provided by the venture capitalist, you need to convince the financier of the viability of your business model. For this you need to study the potential market carefully and ensure that you are meeting a felt need. Investors will also want to check out your commitment levels to the startup. If they feel that you will not put in your best efforts, they will certainly not part with their cash. So, do make sure that you are able to convince creditors on these issues when applying for startup business loans.
Important Facts About Business Loans That You Should Know
A business loan is normally said to be a loan acquired for purposes of fostering the growth of a particular business. The owner of the business or a group of people manning a particular business can acquire a business loan in order to sort out the financial difficulties surrounding their firm. Some firms have been rescued from accelerated downfall by loans, while others have been plunged into more chaos by some business loans. If you have prospects of acquiring a business loan, the following facts about loans will be of great benefit to you.To start with, almost all business finances are secured. As a matter of fact, there is barely any business loan that is unsecured. This means that you will need to have collateral before you can be allowed to borrow funds from any financial lending institution. Collateral refers to the assets or asset whose value is equivalent to the amount of money that has been borrowed. In most cases, collateral corresponds to the total amount of money that has been borrowed plus a certain amount of interest as determined by the financial lending institution involved. It is important to understand that the lender is more interested in recovering the money than anything else.Before acquiring any business loan, you need to have proof of being able to generate income over a certain period of time. In most cases, financial lending institutions are interested in the monthly income of any business. Bank statements may be used to ascertain the average monthly income that a particular business is able to generate. Using this information, the financial lender can determine the average monthly instalment that your small company will need to be remitted to the bank. If the installment is beyond the capacity of your business’ monthly income, your application for the loan will not be accepted.In most cases, loans are acquired for purposes of fostering the growth of a particular business. As such, they are only acquired in special cases. It is advisable to invite a qualified team of experts is supposed to be organized before such loans can be acquired. The team of business experts will assess the ability of your firm to acquire a loan and pay it back within a certain period of time as determined by the lender. If the team of business experts recommends the suspension of the loan, then your business is not good enough to facilitate the repayment of the loan. Only business firms which have their own experts may not need to hire or invite experts from outside.Depending on how small a business is; loans may take several forms. In most cases, this depends on the purpose for borrowing money from a financial lending institution rather than the actual name of the loan. Based on this, even logbook loans may sometimes be considered as business loans even though they are not regarded as being such. Such loans are secured against the car belonging to the borrower.
Cope with Financial Hurdles Through Small Business Loans
Money or funds is the foremost requirement of any business. It is just blood to business as human body can’t survive without blood in the same manner business can’t be imagined without sufficient finances. It is most commonly seen that a business generally faces financial hurdles at any time of its business operations. And, the way to cope up with these financial hurdles is provided by financial market in the form of small business loans.Small business loans is available in two forms that is secured small business loan and unsecured business loan. In secured business loan, the person is required to place collateral and the same collateral also enables the person to borrow large amounts and on comparatively low interest rate. But, the obligation and risk attached to secured small business loan is to make timely payments otherwise the lender can sell the asset in order to realize his payment.On the other hand, in unsecured small business loans, there is no need to place collateral. It carries comparatively higher rates but is competitive in the financial market. An obligation of making timely repayments is also attached with unsecured business loans but there is no risk on the asset.Small business loans are basically designed to meet all the financial needs of the business. It can be either used to expand the business, buying machinery or equipments or to start a new business.Small business loans can be applied either in the physical market or through online. Online mode is regarded as the best and cheap means to apply for small business loan. Online mode offers convenience of applying, in simple terms it can be applied either from home or from office.Small business loan is available for all kind of people that is good credit scorer or bad credit scorer. Nowadays credit score, no matters but both kind must ensure that they make timely and duly payments of small business loans. Timely repayments of small business loan improve credit score which further make the task of availing funds easier and simpler.Today, an increasing demand of funds for business purpose has enabled many lenders to offer small business loans on competitive rates. But choosing among large number of lenders, the one which matches to our needs and requirements is not a difficult task. The only thing which is needed to do is thorough research and comparison between various offers made. And finally choosing the one, with which the person feel convenient in repayments.
Gambling Addiction
First we have to know what is addiction. It is a big issue in present era and most of people are suffering from it. An addiction is nothing but only a psychological craze or dependence towards anything specially any activity. Addiction occurs when someone fails his or her control and continuously by any mean that activity is making some harmful effect to him or her. Accordingly it can take place in anything like drugs, alcohols, food, and sex and when it comes to gambling field; it becomes really a serious issue among the gamblers.
Unlike any other type of addiction this addiction is hard to identify. But generally it is seen when a person experiences win in several gambling and accordingly feels that they cant control their deep impulses to gamble and they can make a nice deal and gain more and more money through that type of activity without facing any trouble, that mainly play role in making addiction towards gambling field. Gambling addiction makes the gambler so impulsive that they can’t give any single thought to be involved again in this activity and in the winning stage the gamblers become so excited with their earnings that they don’t want to quit gambling by any mean. With that they feel their increasing intensity to gambling field. Even sometimes it is found that they are deterred by recurrent losses as they think that they can win again and get their money back. The addicted gamblers forget to think although it is a form of harmless entertainment and fun yet that can become a devastating illness too and can affect them negatively. It can lead the players very badly to big financial problems (when they start to borrow huge amount of money), mental restlessness, relationship stress and many other activities related to their lives.
Thus a recreational sport gambling turns out to be a denting experience to any gambler when he gets addicted to this betting field. Like winning phase and losing (as discussed above) there is also desperation stage which can lead a gambler to get addicted horribly. Keeping hope in mind that they can earn more and more through this betting process and eliminate their losses which they may even face on every alternative day of their playing they become mentally fatigued. Unmanageable state of their increasing debts makes them desperate to face gambling every day. Desperately the gamblers are found engaging in illegal activities to finance their gambling. They may suffer badly by hopelessness, suicidal thoughts, even arrest, divorce and any other drug exploitation. That surely leads to a complete breakdown of an addicted gambler.
Although gambling addiction cannot be identified so easily, there are some signs which can denote that addiction a little bit. That includes constant discussion about gambling, making gambling plan, gambling at any odd time, getting into a long debt circle, giving priority to only gambling not even to personal life and responsibilities and feeing the need to gamble to wipe off any practical issue or stress. It is only a concept but deliberately the sign of addiction is not confined among such behaviors only. There may be many other signs which assign gambling addiction.
There are some treatment programs also for the addicted gamblers. The therapies and medication are supposed to be the most successful way to be cured from this addiction. Counseling with various support groups can also help to remove this type of addiction. But above everything for successful result in this treatment firstly it is required that the addicted person has to admit that he or she is facing restlessness with such type of activity and is feeling to give it up as soon as possible, unless and until the recovery process will not go make any further step.
Best Gambling Resources – How To Find The Best Tips Online
The best gambling resources are those that you bring with you when you enter the gambling arena of your choice.
The knowledge and experience of your chosen gambling activity will be one of your biggest gambling resources.
If these are lacking then practising under conditions where you are not risking any money will help to give you at least the basic knowledge of your chosen gambling activity.
Your mental approach to your gambling is probably one of the best resources you can apply to your gambling activity.
If you don’t have a clear idea of what you’re going to do under any given condition or set of conditions, then you need to question whether you should be gambling at all.
A hazy or sketchy idea of your tactics is not good enough and will probably see you losing your hard earned playing capital in a relatively short space of time.
It is this type of approach that makes the casinos and bookmaker’s their profits.
Your other resources must be a sound money management policy and a disciplined approach to your chosen gambling activity. Without either of those you will not survive for very long as a gambler. It’s a hard business and a hard headed approach to it is required to thrive and survive as a gambler.
The objective when gambling is to win. Casinos and bookmakers have the odds on their side to start with. Don’t stack the odds even further against you by turning up without your best gambling resources.
Professionals know this golden rule off by heart and ensure that they gamble when the conditions are right for them and only then do they lay their money down.
They ensure that they turn up every time with their best gambling resources all available to them. Only by adopting this hard headed attitude can they continue in a business that’ll ‘eat your lunch’ if you give it half a chance.
When it comes to gambling resources other than those which you possess your self, the Internet is a vast treasure chest of resources, many of which are free.
Beginner’s Guide to Online Casino Gambling
Unarguably Internet is the buzz word today, be it shopping, searching for information, or casino gambling. Internet casino gambling is now a several billion dollar industry and is continuously growing globally at an incredible rate. More and more people gamble at online casinos, for the advantages that they offer. It is highly convenient and satisfying to sit in front of the computer, and enjoy online casino gambling and win real cash without wasting gasoline to reach the casino. Also, no one can force you to wager more money, when you don’t feel like playing. The online casino gambling sites around the world allow you to play your favorite casino-style games like roulette, online poker, blackjack, casino slots, crap, etc. with the convenience of sitting at home. To understand online casino gambling better, read the following beginner’s guide to online casino gambling:
Selecting Reliable Online Casino: Biggest myth about Internet casinos is that they are considered illegal and unauthorized which is so untrue. Most of the online casinos are licensed and deal in fair online gaming. To select a reliable online casino gaming site it is very essential to check the credibility and affiliated websites. Register only with licensed gambling websites that assure fair gaming options.
Selecting Casino Games: Various casino games are Blackjack, Roulette, Crap, Slots, Poker, Baccarat, and Keno Fun Games. You can select the casino game according to your skills, choice, knowledge, etc. Make sure you know the rules of the game you would like to play online. Also, some websites offer tips and strategies to help you win and play better. You can also read some good casino gambling books to learn the basics of casino gambling.
Choose Casino with the Best Bonus System: Bonuses are usually given to the gambling beginners, when they sign up with a casino or poker room. Generally, online casinos offer sign up bonuses, no deposit, and free slots bonuses. They also offer refresh and loyalty bonuses to the existing players. The beginners must review various bonuses given by various sites to find the best bonuses available. The best bonuses are the ones with low wager requirements.
What are the Basic Requirements for Casino Gambling: The first requirement is visiting the casino website and downloading their software. The next step is to set up an account, where the gambler will deposit money for betting. The amount that you deposit is entirely upto you and will be used to buy chips for online wagering. At times, online casinos also provide services for depositing money and bonuses for getting started. The information that you provide to the online casinos is encrypted for security reasons, so complete the formalities and start enjoying the game.
Social Media Marketing And SEO
The digital world is an increasingly crowded but mandatory field that businesses owners must play in. As a Tampa business in today’s world it is now not enough to just have a website and Tampa social media marketing strategy, you also must employ a comprehensive search engine optimization plan. For this reason, the smart option is to work with a company, like Webhead Interactive that does both.
Webhead social media strategies are designed in a way to complement their SEO work. This way each end of the marketing spectrum maximizes the work of the other. The result? More traffic to your site and more customers to your business. Tampa social media is a very crowded field. Most businesses are active on one or more of the popular social media platforms, such as Facebook, Twitter, YouTube, even Pinterest and Instagram. For this reason it is important that your business not just be active in your Tampa social media marketing, but also be found through comprehensive SEO efforts.
Webhead Interactive, known as not only a top rated Tampa SEO company, but also the premier Tampa social media marketing agency, has the experience and expertise necessary to help businesses reach their market audience through a fully integrated and optimized social media management strategy. They work on multiple levels to be able to not only help your customers find you, but also interact with you through your social media channels. Since Webhead social media doesn’t just focus on one aspect of your digital marketing, but instead takes a 360 approach, they far surpass the impact of other social media companies in Tampa. Quicker, more powerful results and a proven track record of success.
As the leading full-service Tampa social media agency, Webhead Interactive will help you identify how your business and brand can benefit from an optimized social media presence. An example of some of the services they offer and might recommend include; custom Twitter, Google+ and YouTube backgrounds to help you promote your brand, Facebook timeline design and implementation to increase visitor click-through rates, Pinterest set-up and board strategy, content distribution and sharing strategy to maximize exposure and much more. They will also help you with your digital and social media promotional advertising strategy to further encourage engagement and fan development.
In order to make sure your Tampa business is found by the customers that are looking for you the best strategy is to maximize your online exposure by using both social media marketing and SEO as part of your communications strategy. By choosing a company like Webhead Interactive and Webhead social media, you know you are working with a team that understand and excels at both. The author has an immense knowledge on Tampa social media marketing. Know more about Webhead social media, Tampa social media marketing related info in his website.