Kindle Devices

Kindle Devices is very useful device. I like to use.

1. It’s great if you travel. If you travel, the Kindle is a godsend. With the Kindle you have a full complement of books available at any time.

2. You can put anything you want on it. You can easily email DOC, TXT, and PDF files to your own Kindle email address for conversion to the Kindle.

3. It looks great.

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What Is Money?

Everyone uses money. We all want it, work for it and think about it. If you don't know what money is, you are not like most humans. However, the task of defining what money is, where it comes from and what it's worth belongs to those who dedicate themselves to the discipline of economics. While the creation and growth of money seems somewhat intangible, money is the way we get the things we need and want. Here we look at the multifaceted characteristics of money. (Get A Short-Term Advantage In The Money Market. This investment vehicle is often the perfect stop-gap measure for growing your money.)

What is Money? 
Before the development of a medium of exchange, people would barter to obtain the goods and services they needed. This is basically how it worked: two individuals each possessing a commodity the other wanted or needed would enter into an agreement to trade their goods.

This early form of barter, however, does not provide the transferability and divisibility that makes trading efficient. For instance, if you have cows but need bananas, you must find someone who not only has bananas but also the desire for meat. What if you find someone who has the need for meat but no bananas and can only offer you bunnies? To get your meat, he or she must find someone who has bananas and wants bunnies ...

The lack of transferability of bartering for goods, as you can see, is tiring, confusing and inefficient. But that is not where the problems end: even if you find someone with whom to trade meat for bananas, you may not think a bunch of them is worth a whole cow. You would then have to devise a way to divide your cow (a messy business) and determine how many bananas you are willing to take for certain parts of your cow. (It can be hard to talk about money with your children, especially when times are tough. Talking About Money When Times Are Tough has some tips to make it easy.)

To solve these problems came commodity money, which is a kind of currency based on the value of an underlying commodity. Colonialists, for example, used beaver pelts and dried corn as currency for transactions. These kinds of commodities were chosen for a number of reasons. They were widely desired and therefore valuable, but they were also durable, portable and easily stored.

Another example of commodity money is the U.S. currency before 1971, which was backed by gold. Foreign governments were able to take their U.S. currency and exchange it for gold with the U.S. Federal Reserve. If we think about this relationship between money and gold, we can gain some insight into how money gains its value: like the beaver pelts and dried corn, gold is valuable purely because people want it.

It is not necessarily useful - after all, you can't eat it, and it won't keep you warm at night, but the majority of people think it is beautiful, and they know others think it is beautiful. Gold is something you can safely believe is valuable. Before 1971, gold therefore served as a physical token of what is valuable based on people's perception. (You don't need an MBA to learn how to save money and invest in your future. Follow 8 Financial Tips For Young Adults, to find out more.)

Impressions Create Everything
The second type of money is fiat money, which does away with the need to represent a physical commodity and takes on its worth the same way gold did: by means of people's perception and faith. Fiat money was introduced because gold is a scarce resource and economies growing quickly couldn't always mine enough gold to back their money requirement. For a booming economy, the need for gold to give money value is extremely inefficient, especially when, as we already established, value is really created through people's perception.

Fiat money, then becomes the token of people's apprehension of worth - the basis for why money is created. An economy that is growing is apparently doing a good job of producing other things that are valuable to itself and to other economies. Generally, the stronger the economy, the stronger its money will be perceived (and sought after) and vice versa. But, remember, this perception, although abstract, must somehow be backed by how well the economy can produce concrete things and services that people want.

That is why simply printing new money will not create wealth for a country. Money is created by a kind of a perpetual interaction between concrete things, our intangible desire for them, and our abstract faith in what has value: money is valuable because we want it, but we want it only because it can get us a desired product or service.

How is it Measured?
Sure, money is the $10 bill you lent to your friend the other day and don't expect back anytime soon. But exactly how much money is out there and what forms does it take? Economists and investors ask this question everyday to see whether there is inflation ordeflation. To make money more discernible for measurement purposes, they have separated it into three categories:

• M1 – This category of money includes all physical denominations of coins and currency,demand deposits, which are checking accounts and NOW accounts, and travelers' checks. This category of money is the narrowest of the three and can be better visualized as the money used to make payments.
• M2 – With broader criteria, this category adds all the money found in M1 to all time-related deposits, savings deposits, and non-institutional money-market funds. This category represents money that can be readily transferred into cash.
• M3 – The broadest class of money, M3 combines all money found in the M2 definition and adds to it all large time deposits, institutional money-market funds, short-termrepurchase agreements, along with other larger liquid assets.

By adding these three categories together, we arrive at a country's money supply, or total amount of money within an economy.

How Money is Created 
Now that we've discussed why and how money, a representation of perceived value, is created in the economy, we need to touch on how the central bank (the Federal Reserve in the U.S.) can manipulate the money supply.

Among other things, a central bank has the ability to influence the level of a country's money supply. Let's look at a simplified example of how this is done. If it wants to increase the amount of money in circulation, the central bank can, of course, simply print it, but as we learned, the physical bills are only a small part of the money supply.

Another way for the central bank to increase the money supply is to buy government fixed-income securities in the market. When the central bank buys these government securities, it puts money in the hands of the public. How does a central bank such as the Federal Reserve pay for this? As strange as it sounds, they simply create the money out of thin air and transfer it to those people selling the securities! To shrink the money supply, the central bank does the opposite and sells government securities. The money with which the buyer pays the central bank is essentially taken out of circulation. Keep in mind that we are generalizing in this example to keep things simple. (For more information, see the Federal (the Fed) Reserve Tutorial.)

The Bottom Line

Remember, as long as people have faith in the currency, a central bank can issue more of it. But if the Fed issues too much money, the value will go down, as with anything that has a higher supply than demand. So even though technically it can create money "out of thin air," the central bank cannot simply print money as it wants

14 Lessons I learnt from travelling

1. There is an underlying unity in the world

I love noticing the familiarity all around during my travels. Whether it’s the fierce love of a mother for her infant, the smile in reaction to kindness, youth dreaming for a better life, the eagerness to help someone in need, the pleasant surprise to see a larger than expected tip, the drive to get the next empty seat or just that ladies use the restroom far more than men – people are pretty much the same everywhere.

We have built norms and cultures which have percolated into our personalities but humanity has a whole shares a thread of common values and principles that is incredibly universal. Although we share this planet with billions of other people who may seem different than us from a distance, if we peel a layer or two, we really are all the same.

2. Boundaries are created by man not nature

The gargantuan Iguazu Falls stretches across Argentina and Brazil, the Andes mountain ranges across seven South American countries, the Bosphorous river in Istanbul flows across the continents we call Asia and Europe, the Alps shared by the Swiss, Italy, France, Austria and Lichtenstein, the space that housed a basilica later housed a mosque in Hagia Sophia.

Travelling reminds us that boundaries are not natural and separation is a manifestation of need for man to own and control. It reminded me to let go of the boundaries sometimes, and view the world as one, the way it really is.

3. Perspective makes all the difference

There are two perspectives that I always like to experience when I visit new places. When I am in “it” and when I am afar, looking at “it”. It really does not matter what the “it” is. Sitting on a rock in Macchu Picchu, I marveled at the perfect stones set perfectly against each other. I thought of the people who might have lived there. But it’s only when I hiked up a nearby mountain and peeped at Machu Picchu from atop that I was blown away by the symmetry, the architecture and the presence of spirit influence.

I am mesmerized by what a little perspective can do. Sometimes, standing a little far from any situation can help us see things from a whole different light. The dots start to connect and the nuances take up a new meaning.

4. Darkness provides a whole different view

In most tourist places, there is always the quintessential “night tour” which gives us a view of the place when the street lights are on and the moon gets to finally shine. In some cases, the nightfall imparts incredible beauty which a sunny day could not elicit. The Eiffel tower looks more beautiful in the night, the twinkling lights making us weak in the knees.

The nooks and corners look more pronounced to me and I am able to dissolve the background and only focus on what’s at hand. Reminds me of the importance of darkness in our own lives. Times of despair and hardship bring forth a new understanding of character, not just of us but of others in our lives. I made a note to myself to be appreciative of darkness in life as a harbinger of realization of things about myself that I never would have known.

5. Sometimes doing nothing is the best activity

My favorite travel moments are when I stop taking pictures, posing for pictures, listening to the guide or any of the other sundry things. It’s when I just hit pause and do nothing. I just observe – the people, the clouds, and the ocean water bringing people back to shore.

The breathing slows down and there is a beautiful awareness of being alive. In life, we go from one activity to the other in a continuous pattern. Just going through the motions, doing important work, we forget we are alive. I pledge to hit pause and do nothing more often.

6. Travelling Light Makes It Easy to Maneuver Through Life

There was a time when I would max out the luggage capacity! There was a lot of focus on lugging the stuff around which would ruin some of my other experiences. Travelling light has changed the way I travel. It forces me to focus on what’s most important, use resources intelligently and reuse when I can. We lug around a lot in life as well and a lot of our life focuses on the stuff – the house, the car, and the works.

If we could cut out the superfluous and only kept the very essential, we may miss their presence in our lives at times but the space created for more experiences will definitely make up for it.

7. Nature is Incredibly Fit

Hiking, Trekking and Walking that’s how the world wants us to explore it. It’s almost like a rhetorical expression that giant mountains, fierce oceans and beautiful cities of the world have – “if you want to see the world, move it!” It’s the same for nature beings- birds flying across continents, animals hunting for a prey or butterflies possessing the perseverance to metamorphose.

We as nature beings are naturally fit, that’s our default. It’s the unnatural in our system and our disconnect with our nature self that brings dis-ease.

8. Money cannot Buy Sunsets

If you visit Christ the Redeemer or the Taj Mahal on a cloudy day, or you waited for the beautiful sunset at Santorini and a boisterous group of clouds to party right there with heavy rain, it’s very hard not to be disappointed. All the money in the world cannot move the clouds, stop rain or ensure a good sunset.

What has worked for me when I am hit by these moments? Cry a little and then ensure I have a great meal! These moments help remind me that when things are truly out of my control, the best course of action is to accept and move on. And move on to something that brings joy.

9. Small Efficiencies Create Important Space

I have long prided myself to be a whims person, which is a fancy way of saying “I don’t really plan”. I like to go with the flow and have a romantic view of the tapestry of life. Although, it comes to bite me often, I am not looking to change anytime soon as the rewards are greater for me, at least so far. But, but, travelling has taught me that a little bit of planning can deliver efficiencies that keep paying off.

Small things like storing all our travel plans on an application to keep the whole trip in perspective, checking in to hotels and airplanes prior gives us some extra breathing room when time is of essence, getting seats early so I am not sitting sandwiched between two people or weighing luggage beforehand so that I don’t have to move clothes around in front a queue.

Now I welcome small efficiencies in life that help make life easier to maneuver and more importantly create space and time for more important things like spending time with family and focusing on my joys.

10. There is no Problem that a Bit of Humor Cannot Solve

Travelling is not always hunky dory. The fun banter can sometimes turn into something more than just that. The usual differences around who will use the bathroom first to needing more time to relax vs sightsee or just the blame game around why we are lost in an unknown place, can spoil a long awaited vacation. But every time we felt like this is the end of a peaceful and adventurous travel, that all the planning and money is now a total waste; a streak of humor has saved the day.

An accidental joke, an unrequired smile or saying something terribly stupid has helped make lot of more pleasant memories than otherwise. A lesson for me to tap on humor’s shoulder when nothing else works. Goofiness is weapon to treasure in one’s armor.

11. Everyone has had Their Share

Every country has gone through its share of turbulent times and immense prosperity. Stories of triumph over evil and the perseverance to rise above all hardships exist in most countries I have travelled to so far. Civil wars, slavery, colonization, mass destruction, citizens standing up against bad governance – every country has a story.

And every citizen stands for the circumstances from their present and the past. Yes, we all appear different. But we are different because our journey to present time has been different. A reminder for me to not be judging too soon, no matter where I go or who I meet.

12. Weathering is an Asset

I have always felt drawn to the old and the vintage. Looking at mountains formed millions of years ago, waterfalls that have been at it for eternity, preserved colonies and houses that stand for the stories told or untold.

They have all faced extreme weathering through the ages. As I stared at the fairy chimneys of Cappadocia in Central Turkey, it was hard to imagine it’s a result of earthquakes, volcano eruptions and thousands of years of erosion. But something so unique and astonishing resulted from a seemingly harsh process. It reminds me as we go through life and its rigmarole, we will weather.

But in the weathering, there is something very beautiful forming that we are unaware of. It builds who we are and creates the crevices and the dents we need to truly stand out and become who we are meant to be.

13. Vacation is a State of Mind

I try my best to zone out during vacation but I have faux indulged in vacations where I took work with me or left myself at work. I would stare at a magnificent waterfall or a world heritage site but it’s the bullets on my PowerPoint deck that would surface up in my mind. The return from these vacations were most depressing because not only did I waste a ton of money and vacation days, I was drained because of guilt. It quickly became clear to me that vacation and relaxation are not synonymous. Vacations can well be a façade of living a balanced life but that helps no one.

The lesson for me is to know that vacation is not an exotic place or a process. It’s a state of mind when we are present and are in non-resistance. And it hit me that I don’t have to restrict myself to just two vacations a year; instead I can vacation two or three times a day!

14. Look Deeper at Happy Photographs

I remember when my husband and I climbed Wayna Picchu in Peru. It was almost 9000 feet of pure fright. No railings for support, my heart was in my mouth the whole time. Or trekking the Perito Moreno glacier for 4 hours. I tripped and fell, scraped my knees but kept walking. Both times, we ended the day with pictures of the two of us beaming with immense joy. When I look at those pictures now, I am reminded not only of the moment when the picture was taken but also the journey we took to get there.

The good moments and the not so good moments. It reminds me to look deeper into all happy pictures of mine or others. The smiles in a picture may carry many years of sacrifice, hard work and struggle. We rarely share pictures of those. A reminder that when I see a happy photograph, I should also think of the dimension of the journey it took to get there.

Is the Global Warming Issue a Scam

If one utilizes the principles of mass psychology in the same manner as one uses them in the financial markets to analyse the issue of global warming; well, something starts to stink?  If there is too much noise being made about the issue and the masses are buying the nonsense and that is an immediate red flag. 

 What we have learned from the investing arena can be applied to any other field and we have long since learned that if someone is trying to force something down your throat that there is usually a hidden agenda, especially if corporations and governments are backing the so-called proposition.  The governments do nothing for the good for their people; the only thing they are concerned with is lining their pockets with as much money as they can.

The first thing we did is check if scientists are in agreement and we found out that the majority of the scientists think the issue of Global warming is a scam.

A Lot of Scientists Don’t Believe in Global Warming

Almost 32,000 scientists signed a petition stating that they think the Global Warming script is, to put it mildly, utter nonsense. 

Let’s get this straight, scientists don’t believe in this theory and they are the ones who understand the science behind this better than anyone, therefore why should we believe politicians and corporations whose primary qualification is their ability to lie and twist the facts. 

Our take on this is that you should throw the evidence the government and corporations present in the toilet.  However, this nefarious group has power, so having said that you need to understand that for the time being fighting them is a losing battle; the masses have embraced this nonsensical view, and as result sectors such as coal have taken a massive beating. 

The coal sector has and will soon make for a sound investment as the developing world is not going to abandon this cheap and abundant source of energy; today’s coal-fired plants are much cleaner and operate far more efficiently than the old dirty inefficient plants of yesteryear.

Russia, China and India and many other developing countries are already challenging this notion of Global warming as they continue to embrace coal. These countries are set to dominate the economic landscape in the years to come and will eventually dethrone the U.S from its top dog status. The U.S will then slowly fall into a corner and will eventually be another

Nature Produces More Carbon Dioxide than Man  

According to many expert sources, one of which we will cite below, most of the Carbon dioxide released in the atmosphere is coming from natural sources, which means that your government is doing what it’s best  at "manipulating the data."

 Those advocating for change are the biggest liars of all time.

The most famous liar that comes to mind is Al Gore, who came out with the documentary an “inconvenient truth”, another inconvenient truth was that he lived in a mansion with a $30,000 utility bill.

Armed with Gore's utility bills for the last two years, the Tennessee Center for Policy Research charged Monday that the gas and electric bills for the former vice president's 20-room home and pool house devoured nearly 221,000 kilowatt-hours in 2006, more than 20 times the national average of 10,656 kilowatt-hours.

"If this were any other person with $30,000-a-year in utility bills, I wouldn't care," says the Center's 27-year-old president, Drew Johnson. "But he tells other people how to live and he's not following his own rules." 

These people say one thing and do another thing and the main driving force behind anything they do is money and this is a clear warning signal that they are full of rubbish.  

Conclusion

A lot of data presented seems to contradict what mainstream media and the politicians are trying to get the masses to believe in.  We have provided you with some alternative viewpoints and based on that you can decide for yourself if this issue is just all hot air and warrants further investigation.  In the meantime, many sectors have taken a beating as a result of this stance.

One sector that comes to mind is the Coal sector. If you fall into the category of a “contrarian investor” then it might make sense to start taking a closer look at the coal industry, there are many stocks there that have taken a serious beating and could make for great long term plays. One stock that comes to mind is Yanzhou Coal Mining Company (YZC)

10 Movies Every Business Student Must Watch

Most Luxurious RV Resorts

When it comes to camping, you will think of a bonfire, tent and communal bathroom. But, you can have some luxurious experience during your camping with luxurious RV resorts. RVs are continuing to get better and bigger and they offer all the comforts of your home. They are being upgraded and updated to transfer them into the most luxurious destinations for people who have been longing to go on for camping.

1. Bella Terra of Gulf Shores

Bella Terra of Gulf Shores is just a few minutes’ drive away from the beautiful sand beaches. It boasts fully stocked and beautiful lake with 6,000 square foot of club house with all amenities. You can enjoy luxurious features such as fitness center, movie theater, business center and infinity edge-pool. Bella Terra of Gulf Shores Price Ranges from $99 to $150 Per Day

2. Hilton Head Island Motorcoach Resort

Located in the heart of 50 acres of land, this Hilton Head Island Motorcoach Resort is surrounded with beautiful landscape. You can enjoy top notch amenities along with onsite delivery of bike rentals to explore the island. Behind the resort, you can enjoy Dog Park, play ground, basketball court, tennis court, walking trails and marble bath facilities. Hilton Head Island Motorcoach Resort Price Ranges from $60 to $80 Per Day.

3. The Springs at Borrego RV Resort

You can enjoy camping at Springs at Borrego RV resort and enjoy excellent climatic condition. In this resort, you can indulge in activities such as playing tennis, catching and releasing catfish, bassing and tilapia from the pond. The guests can take hot mineral bath and attend star gazing parties at Astronomy Park. The Springs at Borrego RV Resort Price Ranges from $155 - $193 Per Day.

4. Petoskey RV Resort

Petosky RV Resort has immaculate landscaping and is a home to a number of recreational activities. After enjoying those activities, you can relax in the lodge integrated with modern amenities like billiard rooms, movie theater, card rooms and fully equipped bar where you can enjoy taking part in cocktail parties. Petoskey RV Resort Price Ranges from $100 to $150 Per Day.

5. Normandy Farms Family Camping Resort

6. Heritage Motor Coach Resort and Marina

7. Desert Shores Luxury Motorcoach Resort

8. Bella Terra of Gulf Shores

9. Naples Motorcoach Resort

10. LVM Resort

Regardless of their price and features, camping at these RV resorts helps you to get rid of stressful hectic life. So, plan for an outing with your family or friends to any of these RV to spend some quality time in a peaceful way.