Small Business Ideas For Teenagers – They Don’t Have to Mooch From You!

If you are a parent of a teenager, there is no doubt that you are probably being constantly hit up for some cash. Maybe it’s a for gas money, or for money so they can go out to eat with their friends. Maybe there is a class trip in the works that they need money for.

Or maybe they are just saving up for something they really want to buy. Whatever the reason, why not give them a way to make money for themselves, instead of coming to you for money whenever they need it. You may not mind giving them a little extra cash now and then, but making it themselves can not only provide them with extra spending cash, but also some useful working skills that they will use for the rest of their lives.

Luckily, there are great business ideas that they can take advantage of that do not require them to even leave home.

For example, your teenager may be great at knitting, and is interested in cool knitted hat styles. They can sell them to their friends at school, or they could even build their own website or list them in places like ETSY and auction sites like eBay.

Same thing goes if your child enjoys baking brownies or cookies; they can build an entire business around that. Yesterday’s lemonade stands and paper routes have become today’s online businesses and freelance jobs. Bottom line, any talent your teen already has, or any hobby they like to do can be turned into a great online money making venture. Once they start bringing in the bucks, they will never have to ask you for spending cash again!

Apple iPod Help – The iPod Multimedia

You can listen to more than just music on your iPod; you can also listen to podcasts, audio books, recorded radio shows, and even certain magazines and newspapers read aloud for your listening pleasure. And if you’ve got a color-screen iPod (including the Nano), you can up your multimedia arsenal even further because you can use your iPod to look at digital photos on the go. If you have one of those video-enabled iPods, you can watch music videos, animated shorts, and TV shows from the iTunes Store, plus film trailers, home movies, and other digital videos in your collection. This article explores the iPod’s other treats for your ears and eyes.

In October 2005, a longtime industry rumor came true: Apple finally launched the iPod’s video-playing era. These new models (the fifth generation, if you’re keeping score at home) can play videos on their gorgeous color screens, so you can while away office lunch hours, breaks between classes, and interminable bus rides by watching TV shows in the palm of your hand. This section shows you where to find video files and how to juggle them between computer and iPod, as well as how you can convert digital movies for screening on your own Shirt Pocket Cinema.

1. Finding Video for the iPod:

When Apple rolled out the new video iPods, it made sure to serve up some video content for folks to play on the newfangled devices. The iTunes Music Store now sells music videos, classic Pixar cartoons, and selected television shows, all for about $2 apiece. The store also hosts a collection of video podcasts for download.

In addition to video from the iTunes Music Store, you can add your own video files to your iPod, as long as the clips are in a compatible format, like the popular QuickTime and MPEG-4. You can tell if a video file is iPoddable by its file extension: Look,.mp4, or.m4v. Remember, though, that you can convert video from many other formats for iPod play. To add video files to the iPod, add them to iTunes first, just as you would a music track, and then use one of several synching options to copy them over to the player.

2. Using Video Files on the iPod:

Videos you buy from the iTunes Music Store (and other iTunes-friendly videos) appear in the Videos menu of your iPod after you copy them onto the device. To watch a music video, TV show, or other clip, scroll through the various Video submenus, (Video Playlists, Movies, Music Videos, TV Shows, and Video Podcasts) until you find something you want to watch.

Say you want to watch something in your Movies menu. You select Movies from the main Videos menu. The next screen lists all the files tagged as Movies on your iPod. ( explains how you can label and tag music and movie files on the iTunes side of the fence before you move them to the iPod.).

The Cost Of A Worthless Degree From California State University Just Got More Costly

Inflation has been all but non-existent during the Obama Years, yet you wouldn’t know that looking at the increase of College/University Tuition at the State Level, especially in California. Students are told in High School that college is mandatory to have a fruitful life and live in the elusive middle class, and are told to go into debt to get that degree (more like economic enslavement) with no guarantee. Most of the college professors and administrators are in the 2%, no not the 1% but well ahead of what their students should ever expect to get to. Let’s talk, because the academic bubble is still building and its about to pop – things have gotten way out of hand.

There was a rather troubling segment on ABC News Affiliate in Los Angeles (Eyewitness News 7) recently titled: “CSU Trustees Vote to Raise Tuition by 5% Amid Protest From Students” on March 22, 2017.

First, I’d like to point out that the education hasn’t gotten any better at the California State University System, by all measures and accounts it has gotten worse. Degreed Students are valued less in the marketplace, as employers realize their education isn’t as good, and that those degrees don’t predict the students will be productive employees or even have a clue as to what they are doing.

Most professors, especially tenured professors are not teaching in the classroom much, as they spend lots of time on sabbaticals, and have grad students lecturing now. The increased costs of the university has to do with legacy costs (Pensions) and increase healthcare Cadillac Style Health Care Programs for staff and professors. Although their pension fund is not as bad as the University of California System which highly underfunded, it isn’t breaking any records either – this Trump Bump in the stock market recently has saved their asses (temporarily) if you’d like to know the true skinny on that.

It’s time to face facts – The CSU system (California State University) is broken, academia is broken close the damn universities who give degrees in Gender Studies, Sustainability, Ethnic Equality, LBGT Studies – those kids aren’t going to get work to ever pay off those student loans – academia is on drugs by any rational observable standard – worthless – totally worthless surviving off of Federal Research Grants and Taxpayers and extortion tuition, subsidies and socialist agendas. Some at our think tank online, to put it quite bluntly, say; “To hell with all of it, it’s just BS now,” and I believe these think tank members are absolutely correct.

Why the 5% increase in tuition when enrollment is at an all-time high? Why the increase in tuition without increased benefits? The degrees aren’t worth any more than they were last year, in fact they are worth less now. The California State University System is out-of-control just like the University of California System is, and academia across the country is with student loan debt hovering at 1.4 Trillion Dollars, 45% of those loans have never made a single payment or are 90-days overdue. The academic industrial complex is a giant bubble about to burst, and what does the CSU system do? Raise tuition? Oh, well that’s just going to help a lot lot… NOT!

Definition of Culinary Arts

It is not everyday that a person can take up or get an education on something he or she loves and then build it into a career. But in the case of culinary arts, it is possible. Those people, who have the passion for cooking and the gift of good taste, have a brighter future in the food service industry if they wished to.

If you think you have what it takes to be successful in the field of culinary, then you should think about making a career out of it. But, you should know first what you will be getting into. The things you should be familiar with include the definition of culinary arts and According to the definition of culinary arts and the nature of the job. It would be best if you know the overview what culinary arts is all bout so that you can weigh things down whether to pursue a career on that field or not.

According to the web definition of culinary arts, it is the practice or manner of preparing food or the food so prepared. Considering the definition of culinary, it may sound easy to do. Maybe it is simple to you if you are used to cook your own dinner or party. Yet, you have to remember that in the world of culinary, you are to work longer hours. The nature of the work is very physically demanding. For example, requiring you to keep you on your feet, lifting heavy kitchen stuff, mixing large food vats, rolling pounds and pounds of dough, and only those who work in the real kitchen know what other things happen inside. Also, the working schedule is unusual. In other words, you are to work on weekends, holidays, and evenings which can mean not much time for social life.

But then again, as the definition of culinary arts implies, you are not to do all those things. Just don’t ignore the possibility, though, that you will have to do them someday, if the situation calls for it. Despite the negative aspect of a career in culinary arts, there is still a high level of satisfaction according to those who are already in the field. In fact, they commented that what they have for a career is a very rewarding profession. Who can argue with that if you are doing the thing you most enjoy performing add it up with customer’s satisfaction of what you’ve prepared – truly a rewarding job!

Each one of us has always dreamed of having a career that will give us the kind of life we wanted, but having one that will make you utilize your passion and expertise is another story. The story applies to culinary arts and to all those who have the talent for cookery and pursue a career in the food service industry. You can never be happier to be in a job you love doing, can you?

Reasons To Use A Real Estate Broker When Selling Your Home

After deciding to sell their homes, most property owners, in wanting to save on cost, would prefer to do the marketing and selling of their homes. However, once they start ticking off the long checklist of things to do before, during and after closing a deal, owners may commit mistakes which could later lead to problems and cause of legal actions.

That is why it is strongly advised, especially to first-time property sellers, to seek the help of a professional real estate agent. Real estate agents are licensed professionals trained in managing property transaction from beginning to end.

Real estate agents can help sellers in many ways possible such as in creating a legal contract. Most agents have connections to real estate attorneys who can help you draft a selling agreement with clause that can be most beneficial to you.

Unless you have a decent knowledge about the market, a real estate agent can help you in determining the current value of your home which you can use as benchmark for your asking price. Having the correct asking price is very crucial in property sales as buyers will often counter offer it with a lower price, and as the seller, you must maintain a profitable margin despite the haggling.

Agents also have the means to help you market your property through different advertising channels, especially if the agent comes from a brokerage firm with an established online and offline presence. This means that the agent, with the help of the company can help spread the word about your property through classified ads, lawn signs, and other media.

Viewing time can also be very flexible if you have a real estate agent who can manage it for you. Without an agent, an employed seller will have a limited time for viewing, which can only be accommodated on weekends or after office hours.

Real estate agents can also do pre-screening of qualified buyers for you. This will mean no time is wasted on unqualified buyers who may even be just on a house viewing trip.

Hiring a licensed real estate agent may seem like a large added cost at the beginning of the selling period. But if you compare the possible amount of dollars that can be lost on wrong decisions, wasted hours, under pricing and lack of negotiating skills versus the cost of hiring an agent, the higher risk lies on the former and a sure deal can be provided by the former.

Internet Hotspot Systems – How to Create a Public Internet WiFi System

Growing Internet WiFi Market
Public Internet WiFi or Hotspots are a very common sight that we can usually find in many public areas or places that require customers to use the Internet. More and more people and places around the world have access to the Internet. It is obvious that the Internet and access to the internet will keep on growing and will continue to be an important part in our everyday lives.

Steps to Setup a Hotspot
There are several steps to consider when creating an Internet WiFi or Hotspot. I will explain simple steps to create a public hotspot.

First and foremost is to determine your location. If you are intending to create a public hotspot you probably already have a place in mind. Your place of choice maybe a hotel, cafe, or any other public place the important thing is it is a place where people need Internet access.

Secondly is the Internet connection itself. You need to have an Internet connection in order to share or sell it to your customers. Find a local ISP for Internet connection deals and coverage.

Third is the hardware to share the Internet, typically you need a modem (from your ISP or your own) for the Internet connection. Also you would need a wireless router to share your Internet connection, there are many types of hardware with different capabilities to consider when choosing a router. Find the one that is most suitable for your needs.

Hotspot Types
After you have all the physical requirements to create a public Internet WiFi, the next step is that you need to decide if you want to charge for your hotspot or make it free. Typically places that would charge for Internet WiFi usage are hotels, camping grounds, harbors and business conferences. Places that often offer free Internet WiFi are Caf├ęs, restaurants, waiting rooms, and other public areas.

There are also two types of hotspots that you can create. The first one is a non-manage Hotspot system that you can create straight away using your wireless router. The second one is a managed hotspot system, with this system you have to connect your wireless router to a hotspot service that allows you to manage your hotspot.

Non-managed Hotspot
If you are going to create a Hotspot without a managed system you can setup your wireless router with WPA2 security password for customers to join your WiFi network to access the Internet.

There are advantages and disadvantages of non-managed Hotspot. The advantages of non-managed WiFi systems are: Fast and Easy access also minimal maintenance and configuration. The Disadvantages of non-managed Hotspot systems are: less secure, simultaneous use (with one password many people can access the hotspot), vulnerable to bandwidth abusers.

Managed Hotspot
The other option is to have a managed Hotspot System. The requirements are the same as before but using a managed system you must do several more steps to modify your wireless router to configure the connection to the managed hotspot service. There are many managed Hotspot billing system providers out there, choose the one that best suites your need. Benefits of having a managed Internet WiFi system is that you can manage individual users, you can control how much time or bandwidth usage an individual user can consume. You can also have your own splash page before a user connects to promote your Hotspot, users can even pay using a credit card to access the Hotspot.

Those are some simple steps and examples of what you need to do to create an Internet WiFi system. Remember when creating your own public Internet access to consider your needs and requirements that is the right fit for your business.

Strategies of Banking Technology

Banking technology has grown rapidly over the last decade. We went from pockets full of change to using debit and credit cards as a norm. The days of carrying cash on hand are slowly disappearing and emerging are the new banking technologies that make life for the consumer and the merchant easier.

Banking technology involves planning new banking strategies and evolving with the new technologies that emerge. Investments and investment plans depend largely on what the next new banking technology that is going to be introduced to consumers and investors. With the markets plummeting and climbing at a steady rate, any investor wants the answers and insights of the banking heads. New banking technology can help us keep track of the steady fluctuations, if there are any, and help us stay in control of our money. If you’re interested in finding the best new technologies concerning financial technology and insurance technology then you’re going to want to attend one of these banking technology conferences, if not for your own safety then for the sake of seeing where the future of the financial industry is headed.

ATM management, payment processing, card management and a multitude of other services that the modern retail operates, has to keep up with the vast banking technology. Such technologies include new recognition information and in the cases of some banks range all the way from finger prints to retinal scans in order to use your body’s own unique genetic code in order to keep your banking information safe. Ease and convenience for the consumer is important to the retailers because, in our fast paced lives, that is what the consumer is demanding. Credit cards with micro-chips and cards that have conveniences such as pay pass or pay wave, will be a trend and keep the flow of money coming in for a busy merchant. Payment by cash is riskier for the consumer in more ways than one. The consumer may lose their money or have it stolen, so security of your money is an important factor.

Uncertain economic times can lead to wanting to save money for businesses and individuals and the technology that we have can help us to do just that. We are able to save money by using the banking services online, compare prices and get the best deals. Virtually any type of shopping can be completed online and again ease comes in for the consumer. Hosted services, mobile developments, cloud computing and plenty more banking technologies are making life easier for the consumer. And when it is easier for the consumer to pay, the easier they will spend, whether it be online or in a retail store. Keeping track of the money spent is also a handy commodity and new emergence.

Banking technology has grown tremendously over the years and continues to grow. It is smart for businesses, investors and consumers to all keep up with advances being made. New trends, threats and technology developments is information that is required if you are an investor or business owner. Money makes the world go round, and with the correct information and technology, your business and money can grow.

Student Loan Consolidation Information

Student Loan Consolidation is a really useful repayment tool that gathers all your federal student loans and puts them into one loan, also significantly reducing your monthly payment. Student loan consolidation is one of the most popular used methods for reducing and paying off student debt. Student loan consolidation is a powerful financial tool which has the backing of the federal government to help you lower your payments by extending your repayment term. Student loan consolidation also gives you the opportunity to lock in at a low interest rate, which can save you a huge amount of money over time.

Federal student loan consolidation amalgamates all your existing loans into one single loan which will show a good future payment history, which will help you improve your all important credit score. These student loan consolidation benefits could save you hundreds, even thousands of dollars in additional interest over the term of your loan. Federally funded loans are initially administered through the US Department of Education’s Federal Student Aid programs, and are usually the easiest to get student loan consolidation services for.

After student loan consolidation, the variable interest rate becomes a fixed interest rate for a set period of time. Many people suffer from bad credit and this can cause problems with trying to obtain that all important college loan consolidation funding but if you utilize services of a federal-based company, they don’t do any credit checks and the top benefit of all, student loan consolidation is considered as good debt and will be more appealing to any future lenders. The Federal Student Loan Consolidation Program lets anyone with more than $7500 in outstanding Federal student loans (including PLUS loans) to reduce their monthly student loan repayments and lock in a low fixed interest rate.

Federal loan are sent to the controllers office at your school, you then sign it over to the school and it is applied to the balance owed to the school. Federal Loans and Private loans cannot be merged when you opt for student loan consolidation. Federal student loans offer low interest rates and deferred payments. Federal student loans are some of the most affordable loans available to students and families, with interest rates lower than most other forms of financing and deferred payments (principal and interest) until after graduation.

By consolidating your federal student loans first and improving your credit score, you could get a better interest rate. Anyone with outstanding non-federal education-related expenses is eligible to apply for a Private Consolidation Loan. Students can consolidate while still in school, during the six-month grace period immediately following graduation or during the repayment period.
A student loan consolidation program is a lucrative and efficient way for students to deal with student debt.

Home School Tips Part I – Five Strategies to Ensure Home School Success

Home schooling gives you the power to instill values in your child that are important to you. As a parent who has decided to home school your child, you have a monopoly over your child’s education and worldview. But as the old saying goes, to whom much is given, much is required.

The tips below will help you meet the rigorous requirements that come along with home schooling. As the first in this article series, this piece offers strategies that will ensure your home school is successful.

1. STRATEGIZE. What subjects will you teach? How will you move your child from one grade level to the next? How will you supplement the curriculum? And what about language study or advanced mathematics? Answer questions such as these in the beginning. Doing so will help you plan a proper curriculum for your student.

2. FORETELL. Your student may eventually enter mainstream schooling in middle or high school. She might have plans for an out-of-state college, medical study, or a career on Wall Street. To help her reach her goals, learn about the requirements for these next stages, and then tackle these prerequisites in your curriculum.

3. CHEAT. There are many home school networks and models from which to learn. Visit websites, attend meetings, and get valuable information. You can also find tips in articles like this one. Books such as Home School Learning by Rebecca Rupp and The Well-Trained Mind by Jesse Wise are excellent resources.

4. BUILD. Don’t forget about the school part of home school. List school supplies you will need–such as desks, chairs, text books, bins, and so on–to build a school environment at home. Give yourself a few months to secure the proper items to create the perfect school environment.

5. STUDY. Improve the effectiveness of your child’s education by learning more about teaching. The Creative Teacher by Brandy Alexander and Understanding by Design by Grant Wiggins and Jay McTighe are two great resources. Consider taking a basic education course at a local college.

Educating your child at home is no easy endeavor. Luckily, the home school movement has allowed parents the option of creating a learning environment that they feel is best for their child. Use the tips above to help ensure that your home school is as successful as possible.

Common Home Building Mistakes

You’ve been planning to build your dream home, but you haven’t got a lot of construction experience. Regardless of how much of the building you plan to do yourself, the process is exciting but potentially risky. You will most likely work with a number of hired professionals at every stage of the build from the original framing work to the final finishing touches. Unfortunately, at every stage of home building there are a number of mistakes that can lead to costly consequences. Here are the top 5 home building mistakes that plague a new build.

You’re No Expert

Many people who dream of their new home also want to get their hands dirty in the process. DIY can be exciting and satisfying but it is important to know your own limitations. You may think that you’ll save yourself money by doing some or most of the work yourself, but if you haven’t got the necessary skills or tools, you’ll probably cost yourself more than you save. Ultimately, you want to build a solid, safe, and dependable home and to achieve this you will want to work with some professionals. Make sure to accurately assess your DIY abilities and hire professionals to help along the way.

Choosing Materials

You’re building your home on a budget, which means you are going to look for cost savings wherever possible. Obviously, you’re paying for the project so you have final say, but always choosing the cheapest materials is not always advisable. Inexpensive materials usually offer less in the way of durability. Speak to your contractor about the different materials available and ask for recommendations about what suits your budget and your long-term needs best.

Poor Planning

From financial planning to construction planning, there are pitfalls aplenty during the build of your new home. If you have limited experience building homes, you should take even more time to plan the build. Develop a budget that respects your long-term financial needs, and stick to that budget. You should work closely with an experienced contractor to ensure that your budget is feasible, and he’ll also be able to help you plan your build so that you have fewer financial surprises down the road.

Hiring the Low-Baller

As is the case with materials, hiring the cheapest professional is not always advisable. While saving money on labour costs now helps you keep within your budget, those professionals that provide you with a low-ball bid are likely scrimping somewhere important. For example, the cheapest contractor may employ inexperienced workers, and ultimately the workmanship on your home suffers.

Location, Location, Location

Even though you don’t have complete freedom when deciding where to build your home, you still have important choices to make. You want to build somewhere that you actually want to live, so avoid lots near busy streets or those in proximity to industrial parks. But location is about more than just appeal; factors like soil conditions, hills, sources of water on the property, and the slope of the property may interfere with construction and increase building costs.