Air Travel Tips – Keeping Yourself Super Occupied During Your Boring Flight: Part 2

Boring flights are the worst experiences ever, especially when your flight is over 10 hours long! Eventually you may run out of things to do. You may have watched all the movies, listened to all your best music, and finish reading your book, so what else could you do for the remaining time on your flight? Here are some more air travel tips on things that you can do to keep yourself occupied during your flight.Tip #1: Play puzzle gamesIf you run out of options, one great thing to do is to play puzzle games, such as word searches, cross word puzzles, and Sudoku (it is like a math type of puzzle game). These will keep you worked up for hours, and the best thing is that they can help tire you out so that you can fall asleep on the plane.Tip #2: Sleep on the planeIf you are the type that can sleep anywhere, then one best way to kill a lot of time is to sleep on the plane. Especially if you get yourself so tired before your flight, and just sleep on the plane, it is possible to sleep through the entire journey of your flight. This is a very effective way to kill time and is one of the most popular methods people use.Tip #3: Strike up a conversation with the person sitting beside youFor the last minute resort, you can strike up a conversation with the person sitting beside you on the plane. Since you will be sitting together for awhile on the plane, it may not be a bad idea to make new friends. Especially if there is a beautiful girl or handsome guy sitting beside you, this is your ultimate chance to meet someone new.The key to keeping yourself occupied during your flight is to keep a rough schedule of what things you plan on doing on your flight. Add as much as possible the things you plan on doing on the flight. This way you limit your chances of running out of things to do. By following these useful air travel tips, you will be able to keep yourself entertained and not feel too bored during your long flight. Treat the flight like a marathon, it is all about staying persistent, relaxed, and focused, and sooner or later you will reach your destination in no time.

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Business Loans Glossary: Part 4 – Property Development Finance to Yield

The final part of this guide to business loans and finance raising covers ‘property development finance’ through to ‘yield’.Property development finance – Finance to cover site purchase and building costs designed to fund property development.Prospectus – A package of information prepared for provision to potentially interested investors in a flotation.Prudence – The accounting concept of recognising losses as soon as they can be identified, but profits only once they have been earned.Public limited company (PLC) – A company that meets statutory requirements about the level of its issued share capital and which may therefore be entitled to sell shares to the public (although not all PLCs are listed on a stock exchange).Quick ratio – See the definition of acid ratio in part 1 of this series.Ratchet – Arrangement for increasing management’s shareholding if business hits targets.Receivable – The US equivalent to the UK term debtor.Recourse – Arrangement where a factor or invoice discounter can recover any advance made to you in respect of any debt that is subsequently not recovered. A non-recourse arrangement provides you with protection against this.Regulated loan – A loan where a first charge is given on a domestic property or on a commercial property where over 40% of the area is used as your residence.Reserves (1) – A business’s retained earnings.Reserves (2) – Reduction of your availability applied by a factor or invoice discounter to cover any potential exposure (for example to supplier contras).Rolling bridges – The use of a series of bridging loans typically to fund a phased property development project.Sale and leaseback – A way of raising cash by selling an asset and then renting it back.Second round funding – Further equity investment into a business which has already had external equity investment (for example where a venture capitalist invests into a business which has had start up or seed money from a business angel, to enable it to take its products to market).Secondary buy out – Purchase of a VC’s stake by another VC.Section 320 – Provision in the Companies Act that prevents a director purchasing substantial assets (broadly anything worth more than £100,000 or 10% of the net assets of the company) without first obtaining the consent of the shareholders.Security (1) – A source from which a debt can be repaid if the borrower does not make repayments in the normal way, such as a charge over property or other assets.Security (2) – A document acknowledging that the holder has certain rights (such as repayment of a debt from the issuer).In the US can be extended to cover a share certificate.Self certification – The process whereby a borrower confirms that they are able to make repayments on a loan rather than proving it by providing accounts.Share capital – The capital contributed to a company by its shareholders.Shareholders funds – The total book value of a company (the net assets on its balance sheet) which is owned by shareholders.Small Firms Loan Guarantee – A scheme where the Government provides a partial guarantee to lenders for loans made to small businesses.Sole trader – An individual in business in their own name.Stapled finance – A package of potential borrowings pre-arranged for the buyer by the seller of a business.Statement of source and application of funds (SSAF) – Statement showing how profits generated by the business combine with investment in or realisation of assets, together with credit received or repaid, result in a movement in the businesses cash.Stock (1) – A company’s trading stock comprising raw materials, work in progress, and finished goods stock.Stock (2) – A company’s shares.Stock days – A measure of the time taken in converting goods purchased into sales.Stock exchange – A market in which shares and other securities can be traded.Structured loans – Loans from an asset based lender across more than one type of asset (eg factoring and a property loan).Sub prime – Borrowers with significant levels of adverse making them unattractive to mainstream lenders.Swing – Movement in a bank current account.Syndication – Situation where a number of funders join together to each fund a share of a project.Term loan – A loan repayable by an agreed level of installments over a period of years.Top up funding – Additional mezzanine or equity finance to cover the difference between total costs of a property development project and the sums available under normal property development finance.Trade finance – Specialist funding of trading transactions such as importing goods for resale.Transaction at an undervalue – Selling an asset at less than its fair value. In the event of an insolvency, a liquidator will review significant transactions preceding the insolvency and can act to set aside transactions at undervalue.VC – Venture Capital or Venture Capitalist.Veil of incorporation – The protection offered to shareholders by a company’s limited liability.Vendor finance – See deferred consideration.Venture capitalists (VC) – A firm set up to hold investors’ money and to invest it in high growth opportunities. Generally look to achieve a return of 30% per annum and hold investments for three to five years before selling. Generally tend not to be interested in deals below say, £0.5m investment.Whitewash report or agreement – Accountant’s report used to enable a business’s assets to be used as security on which to raise money to buy it.Work in progress – Goods which are in the process of manufacture but which are not yet finished, or work on a contract which is not yet complete.Working capital – A business’s current assets less its current liabilities.Working capital cycle – The concept that a business’s working capital turns over as it goes through its cycle of trade; suppliers providing goods which become stock and then debtors once sold, with the cash received from debtors then being used to pay suppliers.Yield – The amount of return received (E for earnings) for the price (P) paid. Usually shown as a percentage.We hope this short series has helped to de-mystify some of the jargon used in finance.

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Feng Shui – The Original Green Lifestyle

Renewable or sustainable energy, climate change and environmental pollution are in the headlines daily. Are you considering a shift to a greener lifestyle and making changes in your home to bring it into more harmony with the environment? Is it time to take action on your thoughts? Should you invest in a green lifestyle and eco-friendly products?

Whether you agree or disagree with everything you hear and read about the greening of America, you can definitely agree upon the fact that a lot of time, money and effort is being dedicated to this endeavor.

Defining a Green Lifestyle

I am sure that every person has their own definition of the greening of America and what living a green lifestyle would look like. And, sometimes those definitions are vastly different and totally at opposite ends of the spectrum. My rather simplistic definition of a green lifestyle is: people who support and replenish their environment and an environment that supports people through providing life giving atmosphere and resources in order that they both can flourish.

The second way I could describe a green lifestyle would be to live a Feng Shui lifestyle. The original Form School of Feng Shui is all about creating your home and life to be in complete harmony with your surrounding environment.

If you think about it, Planet Earth some 3000 years ago was in perfect balance. To be somewhat simplistic, Earth experienced day and night, heat and cold, wet and dry over a yearly cycle. It had oceans and land masses, mountains and valleys, barren land and crop supporting land. The earliest civilizations learned to work with their environment and to manage the resources.

The Ancient Chinese civilizations lived in harmony with their environment. They altered their environment by cultivating the land and building homes so as to survive. But when they learned to position their homes in harmony with the energy forms provided by the environment such as trees, hills, rivers and sunshine as noted in the Form School of Feng Shui they began to thrive.

Feng Shui Tips for a Greener Lifestyle

Since we cannot turn the clock back 3000 years nor do most of us wish to, there are a number of things we can do today, right now to live in better harmony with our environment. Rather than think about the environment from a global perspective which is out of reach for most of us, look around your home to find those things which are within your reach, you can control and do something about right now.

o Recycle everything. Most people recycle the obvious such as bottles, plastic items, bags, newspapers, boxes and the like but take a closer look at things like electronic equipment, cell phones, computers, tools, books and appliances. Many areas now offer places to drop off electronic items and libraries love to receive new books that have been read only once. See what is available in your area.

o Donate all useable clothing and household items to charitable organizations so they can be recycled to those in need.

o Check in with local organizations like those dealing with domestic violence to see what items they regularly need that you may be ready to part with. Keep that list handy for future use and to share with others.

o Remove your name from as many catalogue and flier mailing lists as possible to reduce the amount of printed mail you receive and toss. If you like certain catalogues but are receiving duplicates be sure to notify them to remove the extra name from the list. Encourage all of the catalogue companies you purchase from to print on recyclable paper.

o Use canvas, cloth or mesh shopping bags to bring home your groceries. This will lower the number of plastic bags clogging up the environment plus save on the use of petroleum to manufacture them.

o Get in the habit of using old towels as rags for some of those simple cleanups and spills throughout the house and garage instead of grabbing for the nearest paper towels. Old towels are easily recycled by simply washing and disinfecting them whereas paper towels add to landfills.

o Use as many eco-friendly soaps, detergents and cleaning supplies as you can find. They are better for you to use because they are less toxic and are better for the environment because they are bio-degradable.

There are easily thousands of other things you can do and products you can buy that lend themselves to a greener lifestyle. However, you may have a question at this point, what does all this have to do with Feng Shui.

It has everything to do with Feng Shui. First many of the suggestions above are about clearing the clutter out of your personal environment which provides you better energy. Second, you’ve recycled a lot of your stuff which provides the environment more positive energy rather than having to deal with more waste. Third, you’ve improved your quality of life and that of the environment by using more eco-friendly products.

When it comes to the environment, everything you say, think and especially do, does matter.

© Pat Heydlauff, all rights reserved 2008

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