Review of Secrets of Millionaire Investor Book by Adam Khoo & Conrad Alvin Lim

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Before this book, I had no idea about what were the true techniques to invest in the stock market. When I saw this book on the shelve of bookshops, I immediately turn its pages to check it’s content and was pleasantly surprised at the level of detail and coverage of investing in the stock market. Impressed with what I read, I bought it without hesitation.

After reading this book and applying some of the lessons taught, I can say that I am a better investor in the stock market now. Before, I was only a rookie. I will explain to you why.

This book teaches both the fundamental aspects of selecting stocks which Adam will show you. The technical aspects to trading is illustrated by Conrad who traded his way out of bankruptcy using very good strategies. He easily makes US$5000-US$7000 a month trading stocks and options. That can replace anybody’s salary anytime, won’t you agree? His record is US$22k++ in a single month.

One of the important concepts mentioned early in the book is to invest in the stock market and use the power of compounding. You can be an automatic millionaire by the time you retire using this technique. All you need is patience and some consistency in investing. This was how Warren Buffet became the richest man by investing in the US market and let his investment returns compound.

The rest of the book explains four strategies to grow your funds in the stock market depending on which level of an investor you are currently at with the returns and time horizon you are looking at.

The first growth strategy is the most basic level for novice investors which teaches you to achieve compounded returns of 10%-12.08% annually by buying the market or buying sectors or industries that are outperforming.

The second growth strategy shows you about value investing which can achieve you an annual return of 15%-25%. This method requires you to buy great companies at huge discount and sell them for a huge profit. Warren Buffet uses value investing to pick his stocks. You will learn the nine criteria of value investing to pick stocks that investors like Warren Buffet or George Soros would.

The third growth strategy explains to you about momentum investing which you can achieve a higher return of more than 25% at a shorter time like 3 to 6 months. This involves picking stocks that are about to increase in price significantly due to market optimism. Adam shows you seven steps to screen for this kind of stocks.

The last growth strategy is the most advanced of all, which allows you to net a handsome 100%-500% returns in one day to 3 months. This strategy involves the buying and selling of stock options which is trading. Trading allows you to make money in any direction, be it up, down or sideways. The authors have dedicated 2 chapters to explain the fundamentals of options and clearly illustrated with examples on a few commonly used strategies for reader.

I enjoyed this book very much as it was clearly written and provided a practical approach to investing and trading. This book has given me a good foundation as a beginner to prepare me for more advance strategies and implementation. I strongly recommend this book to anyone who wants to start investing or trade in any stock market and does not know how to start.

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History And Background Of Betta Fish

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Historically speaking, Betta Fish are said to have gotten their name from an ancient clan of Asian warriors called the “Bettah.” They were given these warriors’ names because about 150 years ago people enjoyed participating in a popular sport that involved the fighting of two of these warrior fish. (In fact, the sport was so popular that it was regulated – and taxed – by the King of Siam!)

One interesting note about Betta fish fighting is that, unlike cock or dog fighting in the west, at Siamese fighting fish tournaments, the actual fight was more to test the bravery of the fish, rather than a fight to see how much damage would be inflicted, or a death match.

Spectators bet on how long a particular fish would fight, and which one would give up first. (In fact, most fish would only fight once or twice, and then live out the remainder of their lives being pampered and used for breeding.)

Natural Habitat

A Betta fish’s natural habitat is in shallow, tropical water. This is because they need to be able to surface frequently, in order to breathe air. They can be found in nature in rice paddies, drainage ditches, slow moving streams and fresh water ponds. Betta fish have even been known thrive in large puddles! Their natural food source is insects and mosquito larvae.

How Breeding Began

According to historical accounts, a close friend of the King of Siam, Dr. Theodore Cantor received a pair of breeding Bettas from the king in 1840. The doctor bred them and studied them for several years, and then wrote a scientific paper about them, giving them a Latin name of “Macropodus Pugnax.” However, shortly after his paper was published, Dr. Cantor discovered that a species by that name already existed, and so the fish were renamed “Betta Splendens.”

Several breeding pairs of Bettas where sent to Germany in 1896 and then in 1910, Mr. Frank Locke of San Francisco California imported several Bettas to the U.S.A.

One of the fish that he received had unusual red fins – and he excitedly thought he had discovered a new species, and named it “Betta Cambodia.” In reality, he had one of the first of the Betta splendens that had naturally developed new colors and characteristics through breeding.

Since that time, breeders have been able to develop Bettas with all of the vibrant coloring and varied fin shapes that we find today. Betta breeding has become a profitable and ongoing passion for many people today, many of whom started with just one or two Bettas in a small aquarium.

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Biography Collection of Great Past Entrepreneurs – A Book Review

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Andrew Carnegie has been noted for saying that if you want to be successful in business then you must do what successful people do. And to do that you must study how they lived, what they did and get some insight into their methods of operation. This is indeed good advice which no one can deny. Perhaps, this is why business students, professors, and future entrepreneurs study all the great business leaders of the past?

Since this is the case, I’d like to recommend a very good book to you about past great entrepreneurs, it is a collection of their biographies, shortened of course, and it is still on my bookshelf after all these years. The book is:

“The Entrepreneurs – Twelve Who Took Risks and Succeeded” by Robert L. Shook; Harper and Row Publishers, New York, NY; 1980. ISBN: 0060140259.

There were numerous standout great quotes, one of them that I liked was by W. Clement Stone; “I don’t care what field you are in, anyone who truly wants to be successful must develop a plan to duplicate their success.”

Another great thing the reader will take away from this book was the authors note that if you want to win in business you must have goals; “Write down your goal, give yourself a deadline, set high standards, aim high.”

This book profiled such great past entrepreneurs as; John W. Galbreath, W. Clement Stone (insurance), Mary Hudson (oil), Dale W. Lang (media), S. Roger Horshow, William J Richards (farming), Mary Kay Ash, Joseph Sugarman, Richard Schultz, William McCowan, and John Delorean. And it explained their similarities, attitudes, methods, big business deals and drive. I know you will love this book as much as I did and hopefully like me you will keep it on your shelf for a reference, please consider this.

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Steps to Choose the Best Wedding Photography

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A wedding photograph is one of important things in a wedding ceremony. It is importance since it covers all the memory of your special day. It will also represent and remind every different memory of your wedding day. If you want to make your wedding photograph as good as the precise wedding that you have, you do not need a traditional wedding photograph. As an alternative, you would like to think of an exclusive wedding photograph idea to create your wedding photographs creative and exclusive.

Including your relative

Those of relatives are the most cherished wedding photos. There are many ideas for a wedding family photo, but you can come up with that integrated a family photo that has many interesting and exclusive photo ideas. It is the best time for you to take a family photo in a wedding day as in that day your family members will be dressed to make an impression. If you want to get an exclusive and   unique  family photo, you may think to arrange your family members in a humorous way. You can also arrange your family from tallest to shortest just like sit on the stairs. There are many  unique  and exclusive wedding photo ideas that you can choose for you and your family members.

The photograph of the Bride and Groom

One of the most important things in a wedding day is the photograph of the bridge and the groom. It is better to take the photo with a  unique  and exclusive way. You can take the  unique  photo of the bridge and groom in a different ways to make it interested. The first thing that you could do is that you should make a difference of the funny cake topper where the groom is dragged the bridge behind him. The real life moment would make the  unique  and exclusive wedding photo. For the second option, you may take a picture of some famous man and women who are invited in the wedding ceremony.

Exclusive and Elegant

If you do not interest about a  unique  with funny, you can still to try with another  unique  wedding photo idea. You do not need to worry because you can be exclusive and elegant at the same time. You may ask the photographer about the backgrounds to turn the traditional into exclusive wedding photos. You can also transport the entire wedding ceremony to beach and also a snowy winter meadow by using the background.

Anything photo ideas that you will choose, you have to be sure that you will get the best photos since it covers the whole moment of your important wedding party.

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Dangers Of Metabolism Boosters And Energy Drinks

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The main purpose of metabolism boosting substances is to assist body when exercising. They are there to accelerate calorie burning process. There is a common misperception that metabolism boosters can replace the role of physical activity in losing weight. Fault for this belief lies partly by online diet marketers. Last 5 years are known as “diet spamming” period. Majority of e-mail owners were receiving at least 1 “lose weight – no exercise needed product” mail weekly in their inbox. Though it is true that those products will make body burn more calories even with no exercise, dangers of such doing overshadow by far those hardly measurable weight loss effects.

Untrained body of overweight people is simply not up to the increased heart rate and blood circulation that energy drink or metabolism booster can cause. Heart attack can be the consequence. Each body needs time to adapt on faster blood circulation. Any instant shock caused by metabolism boosting diet product is a health hazard. This is especially important for people who face weight issues and have one or another kind of medical condition related to: high blood pressure, elevated cholesterol levels or any kind of heart muscle disorder.

Overweight people, who have long neglected physical exercises, should avoid dietary products that promise weight loss with no effort needed. Those products are predominantly based on extracts of different citrus fruits, alcohol and in 90% of cases they will content caffeine. For individuals just starting with their weight loss program, other kinds of dietary supplements should be considered. Here it should be emphasized that there is an important difference between overweight and obese individuals. No obesity case should ever be addressed without proper medical guidance.

One should also never underestimate the power of drinking water. Water is an effective and gentle body stimulant, with no negative side effects. Metabolism boosters and energy drinks should find their place in fitness studios with people who are daily devoted to hard physical exercise.

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How to Clean and Fix Your Oscillating Fan

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When cleaning the fan, you will need the following things:

-a screwdriver, to open the fan

-detergent and some warm water to clean it

-dry cloth or a towel to wipe off the remaining water

Not really a lot of things, right? Well, that’s one more benefit of oscillating fans-they are really easy to open and clean. An oscillating fan cools down more air than a regular fan, so it’s more likely to get dirty faster and more often. That’s why it’s design must allow easy cleaning.

So, the first thing you have to do in order to clean the fan safely is to unplug it from the electricity. After that wipe off the surface dust from the fan. When you have done that, you can begin disassembling it. Remove the grill by unscrewing the screws that keep it together. Some grills don’t have crews but clips and that makes the process even easier. Remove the blades by taking off the screws that keep them attached to the fan. Now you can use detergent to clean the grill and the blades. Be very careful with this because you don’t want any electrical components to get wet. After that use a dry towel or a cloth to dry the washed parts. Before reassembling, the grill and the blades should be left for some minutes to dry a bit more. That way, you will avoid getting injured or breaking down your fan. Reassemble the fan in the reversed order in which the parts were removed. Tightly screw in all the screws, plug it in and test it. Your crispy clean fan should now work perfectly, the ticking is probably gone, and the air is better because you stopped the accumulated dust from spreading around the room.

If you can hear the clicking noise while the head of the fan moves it could be just dirt. However, it could be that the gears are worn or loose. You will have to open it anyway so unplug it and to that.

– Take a screw driver and unscrew the grill of the fan. Take off the blades and clean them altogether with the grill, the shaft and the motor housing. For the grill and the blades you can use only water and detergent but for the shaft and the motor housing vacuum cleaning wouldn’t be such a bad idea. While you are there inspect the motor. If the gears look OK put everything back together again in the reverse order and plug the fan in the electricity. The fan should be running quietly now.

– If the gears look like they need a replacement or tightening up, then your work is not done yet. First check the set screw. If it’s loose tighten it up because this screw balances the blades and when it gets loose they are not balanced correctly and that may cause the buzzing and clicking sound.

– Also inspect the gear assembly and the motor housing. Try tightening them up. If you can then all should be good. But, if they can’t be tightened that means that they are worn and you have to replace them. After they are tightened or replaced lubricate the shaft and reassemble your fan.

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5 Reasons to Use a Male “Enhancement” Pill!

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No matter how much you deny, the fact that intimacy is one of the most important parts of a love-relationship can never be denied. When you make love with your partner, you give her all that you have within you – from your soul to the deepest feelings that you possess for her.

However, there are a few men, who are unable to express themselves properly in bed. This leads to a lot of complications in their lives. This is where a male enhancement pill comes into the picture.

If you are wondering why you need such a pill, following are the top five reasons that support the same:

  1. To gain self-confidence – When you are good in bed, your partner is happy and satisfied with you; when your partner is pleased, you feel happy, which leads to creation and development of self-confidence in your heart. There’s absolutely nothing else that can make you feel good, than keeping your partner happy.
  2. To keep away from all the problems in your relationship – I am sure you are going to agree with me when I say that being good in bed helps you strengthen your relationship. When you know how to do things the right way, you have less of problems with your partner. No doubt minor problems are bound to arise, but if you are good in bed, you can always bring a smile on her face at the end of the day.
  3. To get a nice woman in life – If you are not married already and want to get a warm-hearted woman in your life, you’ve got to show your charms in bed. To do so, you surely need a male enhancement pill, which allows the beast in you to come out and explore the beauty in front of you.
  4. To have a long-lasting ‘climax’ – Who wants to get it done in five or ten minutes? You surely need more energy and more erection to make it last for long. If this is what you want, you can get it with the help of a pill that helps you enjoy a longer session of intimacy.
  5. To win your partner forever – Unless you give her all the pleasures in bed, you can’t expect her to stick with you forever. To win her for all your life and turn her into your wife, you surely need such a pill.

It is time for you to gain confidence and please her in the most beautiful manner!

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Strange, Unusual, And Exciting Gift Ideas

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Have you ever needed to buy a gift for a person, but you didn’t really know what they wanted. Or maybe they are that person who has “everything”. Well, I bet you’ll find something in these gift ideas that they don’t have!

Personalized Mouse pad

You can buy custom printed mouse pads on various websites. Think outside the box and think of a design for the mouse pad that is totally and completely   unique . If you need help designing it, you can probably get a computer geek friend to do you a design with Photoshop.

Custom Cartoons

Another great gift idea is a custom cartoon. You can get the customized cartoon printed on a variety of mediums. The important thing is designing a cartoon that the person will enjoy. If you know the person well, though, that shouldn’t be to hard.

Sabotaged picture

A sabotaged picture? Yep. Also known as a “Photoshopped picture” it’s a picture where you use image editing software to modify a picture or pictures. If you don’t have the necessary skills, anyone with expertise in graphic design should be able to do it for you. The possibilities are endless, too. You could create a picture of them standing next to Elvis, or Ronald Reagan, or anyone they respect but have never met.

Any Customized Gift

There are many gifts that you can get customized so that they are truly  unique . T-shirts, mouse pads, coffee mugs, bumper stickers, ink pens, and screen savers are just a few items that you turn into a  unique , memorable gift.

Photo Mosaic

A photo mosaic is a photograph that is converted into an image made of many smaller images. For example, the mosaic may look like you from a distance, but upon close examination, it is actually made of hundreds of different photos of computers.

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5 High Quality Office Headsets Below $200

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A headset is very important to be used in workplaces and homes. They do have many benefits. Those people who use headsets during work do not get tired soon or have back pain. If you will use a headset as a part of your daily routine work, then it would surely improve your body posture.

Headsets are used all over the world in diverse organizations for better communication. They allow the workers to hear the voice of another person on call and answer him appropriately. They can also improve efficiency and productivity. Your hands will be free when you are on call with a headset.

Efficiency & Freedom

Headsets free both hands of a person, and he can do other tasks during a call. It not only improves the effectiveness of a person but also make him feel free. Wireless headsets are of great use as they allow additional freedom to the workers.

They can easily leave their desks and move in the office corridors during phone calls. The range of headsets is up to 300 ft from your telephone. With the help of a handset lifter, you can end up and answer calls easily when you are far away from your desk. It allows you to be extremely free while you are talking, moving or doing work.

By wearing a headset, your microphone will stay in the same position. This means that you can move freely without worrying about your microphone. There is no need to set your microphone again and again. In this way, your voice will be consistent all the time.

If you are using a headset which comprises a noise cancellation technology then the microphone will clear out 80 percent background sounds. Thus, your callers could only hear your voice and would not get distracted at all. They are perfect to be used in noisy workplace environments.

Stay Active All the Time

When you are holding a phone, then you do not have a proper posture at that time. Due to this reason, many workers have complained about neck and back pain. Many employees could not stay active all day as they get tired from holding phones.

Many doctors around the globe suggest people use headsets instead of holding phones. According to studies, it has noted that 98 percent people stay active all day because they use headsets during work. If you want to stay active all the time, then use headsets.

5 High Quality office headsets Below $200

There are many branded headsets available in the market. You have to choose high-quality headsets if you want to work efficiently and productively in a workplace. If you have a budget lower than 200 dollars, then do not worry at all. We are going to mention five high-quality office headsets that are below 200 dollars.

1. VersaMate Convertible Headset Universal Office Phone Bundle

If you are searching for high-quality sound headset, then select this one. It is efficient to fulfill your all your needs and wants. This headset is easily convertible. You can adjust it easily according to your comfort level. If you have to attend too many calls at your workplace, then this headset is ideal for you. It is light in weight so you can wear it all the time without getting tired.

Specifications:

  • Unbeatable warranty of 2 years’ replacement
  • Omni-directional microphone
  • Self adjusting
  • Active Guard special feature
  • The Cord length is forty inch
  • Foam earpiece
  • It has 1.5 OZ weight
  • Leatherette earpiece
  • Disconnectivity is easy

2. Plantronics CS540

Nowadays, Bluetooth devices are getting famous amongst individuals. This technology is getting quite trendy. They are helping the workers to attend and reject their calls while doing different tasks. It is an easily convertible headset. If you want your hands to be free all the time, then you have to use this headset.

Specifications:

  • DECT 6.0 Technology
  • 1.9 GHz Cordless Headset
  • Elegant Magnetic Headset Docking
  • Wireless Noise-Cancellation Microphone
  • DECT Security Certified
  • Enhanced Digital Signal Processing
  • CAT-IQ Technology
  • Range is up to 350 Feet

3. Plantronics CS510

It is the improved version of the CS series headsets. It has replaced the old Plantronics CS351N. You can do multitasking with the help of this headset. It has a DECT 6.0 Technology. It is very durable and versatile headset. With only one touch you can connect or disconnect a call.

Specifications:

  • 1.9 GHz Cordless Headset
  • Hands-Free up to 100 Meters
  • One-Touch Call Answer / End
  • DECT 6.0 Technology
  • DECT Security Certified
  • One-Touch Controls
  • Energy Competent Adaptive Power System

4. Jabra GN9125 Flex Duo Wireless Headset

It is a wireless headset which offers top sound quality. It is perfect to be used in a workplace environment. You can perform many other tasks while attending your call. If you want to get engaged in a conversation, then make use of this headset. Workers can move from their desk while attending a call. It simply works with your current workplace phone or PC.

Specifications:

  • Ultra Noise canceling headset
  • Convertible wearing style
  • Self adjusting
  • Range is 100 meters
  • Great Sound Quality

5. Jabra Evolve 65 Stereo Microsoft Optimized

This headset is very functional. The ear cups are connected to the headband in the form of an arch. Each ear cup has a signal wire. It is linked up with the sound player by the headset jack. It is very easy to wear. It provides mobility to the employees. It is an efficient office headset.

Specifications:

  • Easy to connect
  • Easy to answer and End up calls
  • Perfect Sound quality
  • Comfortable to wear
  • Light in weight

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An Analysis of Scalp Med Complaints

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There are a fair number of Scalp Med complaints and related stories resulting from unsuccessful user experiences with the product on the Internet. But to be fair, there are also a significant number of positive testimonials out there as well.

Contrary to the complaints, the company’s website details how they have helped thousands of people suffering from hair loss and it also provides numerous case studies and written testimonial success stories of people it has helped to regrow hair.

Without a doubt, almost any company doing business with the general public will have some customer grievances. So; to get a better feel for the seriousness of the Scalp Med complaints, I reviewed the company’s current status with the Better Business Bureau.

I determined that the company was started on January 9th, 2000 with the stated business objective of providing hair growth products to the general public.

Additionally; they were recently purchased by the infomercial powerhouse Guthy Renker, which adds both credibility and financial strength to the brand.

Overview of the Scalp Med complaints currently lodged with the Better Business Bureau:

The company currently maintains a Triple A rating with the Better Business Bureau. The BBB also reports that proper consideration has been given to all complaints as presented to the company to date.

Specifically, there were 118 Scalp Med complaints lodged, closed and reported on by the BBB for the last 36 months.

In 83 of the cases the Scalp Med complaints department issued a full refund as the customer requested.

In 5 of the cases the company made a partial refund.

In 29 of the cases, the company agreed to perform according to their contract.

In 1 instance they refused to make an adjustment based on what were deemed to be justifiable reasons.

The most common Scalp Med complaints all have a similar theme related to the lack of success that the quoted users have had with Scalp Med.

Not to minimize the negative experiences that some individuals have had with this hair regrowth product; it is important however to recognize that hair loss is a complex affliction that cannot easily be addressed in the best of circumstances.

Additional factors that may inflate Scalp Med complaints are that any hair regrowth regimen takes both time (at least 3 months) and consistency of use to be successful. So it’s important to follow the products usage directions closely to maximize the chances for success. Any wavering from the recommended usage regimen can result in diminished results.

There can be no doubt that Scalp Med has the potential to regrow hair simply based on the fact that it contains Minoxidil; also known as Rogaine.

Minoxidil has been approved by the FDA as one of the few scientifically proven hair regrowth products on the market today, which means that any product that contains Minoxidil should also then be able to regrow hair due to the hair growth effects of this ingredient at a minimum.

Add to that the additional hair growth ingredients in the Scalp Med formulation and they claim that your chances of regrowing your hair are greatly increased with their product.

In closing; while there does exist a number of valid Scalp Med complaints, the number of complaints is not unreasonable due to the fact that the company sells a product that requires diligent long term application (at least 2 to 3 months) with results that can be somewhat hard to measure in many cases.

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