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Hillbilly music, country, western music or country and western all refer to country music. This genre of music is diverse. Most modern country music artistes have developed their styles from earlier singers. Whether it is a classic or contemporary tune, for most who are new to country music it would be difficult to understand the different styles. A guide to country music offers comparisons that allow people to identify with inimitable performers. People may read guides to identify with the different instruments that are used to create the styles and rhythms. Since country music is a genre filled with many talented musicians, a number of guides offer details about upcoming artists. They are authentic and allow fans to understand and read about their idols. People who aren’t terribly familiar with country music may need some help differentiating between the types of music. Guides offer information and help comprehend the varieties included. This includes pop country that is perfected by artistes like Shania Twain. Rebel or rock country music includes songs that are performed by free spirited singers. They are usually independent and use bold rhythms. Texas country has produced singers such as Robert Earl Keen and Pat Green. Old country […]

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU! You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only. Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn. Since these advisors are […]

Home interior decorations is one all about making your house into a home. With colors, style, theme, furnishings and different decor elements a house gets its character. Starting with the living room right to the bathroom, home interior decorations looks into all the aspects of the house. The main goal for interior decoration of any room of the house is to give it an individual personality. Interior decor generally concentrates on finishes like wallpapers, wall paint, window coverings and furnishings. Along with it comes the balance of the various decoration items like wall hangings, showpieces etc. So let’s take a quick look for home interior decoration ideas for different rooms in a house. Big Spacious Rooms There are many ways to make a room look spacious and large. The first most important element is the room lighting. Go for soft and even lighting so that shadows don’t divide your room into smaller sections. Avoid putting ceiling lights as they make the ceiling look lower. By having a diffused and ambient lighting the room will look large. The next thing to keep in mind is the texture used in the room. Smooth surfaces tend to reflect more light as compared to […]

Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business. The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into. Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions. Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result […]

We live in an information overloaded society, yet we actually know so little. While I was reading this book I took a straw poll of some people I know, and 100% of them had no idea who the Colwell brothers, or Herb Allen are. So much information, yet so little knowledge is a real problem in today’s world. The three cowboy brothers and Herb, probably did more for world peace, or at least peaceful co-existence than any President, or any government organization has ever done. Frank McGee has produced a great book that chronicles the story of these eclectic individuals. Even better the book is peppered with photographs of the actual people and events. The story starts right after WWII, the Colwell’s are in their teens, and have a true skill in the entertainment world, initially self taught, they make their mark on the radio landscape, appearing in the Tex Williams weekly show. Invited to ‘tour’ overseas for one month the young brothers can not resist, and against their parents better judgment they set off on their adventure. It was almost a decade before they returned to the US. As part of MRA (Moral Re-Armament) and later Up With People […]

Market Driven Innovation (MDI) is designing, managing and implementing your innovation process based on the needs and wants from your key markets. MDI is not new, but still today, many companies have found it difficult to transform their innovation work from their entrenched technology and product forward approach they have been using to a market back approach. Often, their entire business processes have been built around their assets and products they produce and their go-to-market strategy based on their historical sales experiences. The result of this behavior is premature commoditization of their value propositions, their most important assets. Market Driven Innovation is based on a strict set of principles: o Engineering/technical resourcing decisions are made based on a validated market need and an attractive business case. o Organizational Focus is achieved from understanding market segments and targeting the most attractive segments for growth o A cross-functional team approach, marketing, technical, and sales all contribute to the growth initiative together, and thus are aligned on the strategy: o Accelerated ramp up after launch from a higher operational knowledge of the market o Accelerated technology development because better design specifications from a segmented market o Driven by business leaders who make resource […]

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio. There are advantages and disadvantages for each and I will briefly highlight some of these below. Let’s start with single family homes. Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell. They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.) Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much. Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property. Another advantage […]

Destination weddings have become incredibly popular over the years, and for many newly engaged couples, the interest in getting married in the Caribbean is increasing every day! After talking with many of my clients that have visited our travel agency to inquire about a destination wedding, they seemed to all agree that getting married on a Caribbean Island or even on a Caribbean Cruise is something they have always desired. The exotic locale, convenience, value, and stress free environment it fashioned were some of the many reasons couples find this option very appealing. Before I talk more on the Caribbean, allow me to first talk a little bit about who I am, and the reason why I view the Caribbean as a popular wedding destination choice. Back in July of 2000 I attended Travel College, and this is where I met this beautiful Italian girl in my class named Maria. It was clear that the both of us were on the same path of becoming professionals in the travel industry, and at the time we never knew what we were about to experience. Once we graduated, Maria and I were immediately employed by different travel agencies that soon opened up […]

India is a land of contrasts with diverse languages, ethnic groups, religions and traditions. Immerse yourself in the teaming bazaars, holy cities and Moghul forts. See a wide array of wildlife with 500 species of animals including tiger, leopard, elephant, and rhino, 200 species and sub-species of birds and 30,000 insect species. High Himalayas, dark deep woods, Great Indian Desert, and an extensive coastline make India a formidable destination for those who are always up for dares and challenges. Adventure Holidays in India are rigorous and intense. You can opt for India Luxury Tours with sufficient number of adventure activities planned throughout the itinerary or go for more unusual travel experiences that qualify for off-the-beaten track adventure trips in India. Jungle safaris on an elephant’s back along Tiger Trails in some of the best known National Parks and Tiger Reserves of India might be more popular but you might love to go for adrenaline-pumping motorbike safaris on a Royal Enfield or ‘Bullet’ as it is popularly known in India. Hot air ballooning, para-gliding, heli-skiing, zip-lining over the ancient Neemrana Fort are just some of the various fun activities you can opt for during your India Adventure Tours. Bicycle tours along […]

How many times a week do you wake up and just hate the way your hair looks? Is your hair too frizzy, too dry? Is it too thick, too thin? Do you have a unappealing hair cut? Do you ever get compliments on the way your hair looks? Don’t despair, because there is hope for your hair style. The options for changing or fixing your hair are many and whether you are willing to spend thousands of dollars or just a few dollars, there is something that you can do. Some of the major hair problems are Damaged Hair, Frizzy Hair, Thinning Hair and Unflattering Hair Styles. There are quick, inexpensive fixes. See below for complete details: Damaged Hair: The easy fix for damaged hair is deep conditioning treatments. Ask your hair stylist for the best product for your hair, or take a trip down the hair products aisle at your local drugstore. If your hair is extremely damaged, you may want to start with a once weekly deep conditioning treatment. Wash your hair normal in the shower and towel dry. Apply the deep conditioner all over the hair and wrap the hair with plastic. The plastic helps to keep […]