NX for YOU eMagazine : 2014

Thursday, October 9, 2014

It's all about YOU!

Welcome to NX for YOU eMagazine, presented by the NetworkXchange.Ws!

NX for YOU online eMagazine is comprised of various blogs created and developed by our outstanding "A List" of members. Our aim is to spread a wealth of knowledge from our expert affiliates, while promoting business notoriety.

NX for YOU eMagazine will grow your business, boost your company's branding and broaden your business network while "making the right connections!"

Join NX for YOU eMagazine and add your blog today!

Blessings, Donna J. Dungee CEO

Tip of TODAY

CREDIT MATTERS

Did you know that the joy of finding $100 has been proven to be a lot less than the
pain of losing $50?

It’s a crazy fact but it’s true. 

Think about it. You’ll make more of an effort NOT to lose 50 bucks than you will to
earn $100.

It’s because it feels as if you are losing something that you already own. It’s
yours… and it should stay that way.

The craziest part is that there are a lot more ways to make money than to lose it. 

There are literally millions of ways to earn money… and only a handful of ways to
lose it. 

When it comes to losing money in stocks or in business most of the ways to lose
money are emotional. You become too attached to a business or stock pick and hold
onto while it hemorrhages cash.

However, in the world of your personal finances there are a few things that a lot of
people do to throw cash away every single day. 

This is unnecessary loss. This is money you CAN and should keep.

What am I talking about here? 

I’m talking about interest payments. Every single dollar you spend on interest is
money you’re throwing away. Yes, I realize that there are times you need to borrow
money and it can be worth it. 

But in those moments when you have to pay interest… you need to make sure that you
are paying the least amount of interest possible. 

If you’ve heard my story about buying a new car, you’ll remember that I spent an
extra $6,868 JUST in interest. And that was all because I had a low credit score.

Thankfully I took action into my own hands and took my credit score from a lowly 520
to a stellar 737 once I started working on improving it. Those lessons I learned
while boosting my credit turned into The Credit Solution Program.

The Credit Solution Program has helped thousands of people boost their score by 50,
100, even 150 points more. 

What does that mean? It means that those people will never waste another dime on
unnecessary interest payments. They’ll get all the loans they want. The house they
want. The credit cards with the best rewards. 

The banks now come to them for their business… not the other way around. 

Make sure you don’t waste another penny. Start improving your score today…you won’t
regret it. 

Remember, everyday you delay is another day wasted. 
   
Mike Roberts   
Credit Coach   
The Credit Solution Program                           
TheCreditSolutionProgram.com

NON-PROFIT ORGANIZATION OF THE WEEK

Our Promise: To save lives and end breast cancer forever by empowering people, ensuring quality care for all and energizing science to find cures.

In 1982, that promise became Susan G. Komen and launched the global breast cancer movement. We are the world’s largest grassroots network of breast cancer survivors and activists fighting to save lives, empower people, ensure quality care for all and energize science to find the cures.

We are Susan G. Komen. We are a force united by a promise to end breast cancer forever. For over 30 years, we've led the way funding groundbreaking research, community health initiatives and advocacy programs in local communities across the U.S. and in more than 30 countries. And with your help, we'll continue pushing for progress to end breast cancer every day, until it's a thing of the past.

For info on breast cancer and breast health.

Please call: 1-877 GO KOMEN or visit www.komen.org

ESTATE PLANNING

What happens if you fail to plan for your minor child?

If you do not plan for the needs of your minor children, a Court will take charge of the assets in guardianship proceeding. Even if you nominate a Guardian, the Court will have the final say. Not only is the guardianship process expensive, but there is no way to ensure that the Court will carry out your values and desires for your children. The Courts generally want to protect minors. Therefore, they will set the minor’s money into a blocked account that can only be accessed through a Court Order. If the child, for instance, needs braces, you would have to petition the Court and go to a hearing to get guardianship ends when the child reaches age 18. At the time, the child is given unconditional control of their property. Most people do not want to hand over a larger sum of money to an 18 year old, who could blow through that money in a short period of time. Most 18 year olds do not have the maturity level yet to handle a large sum of money

The guardianship proceeding through the Court can be circumvented by setting up a living trust for the benefit of your minor children. If that trust is properly funded with your assets, you can avoid any Court intervention. The terms of the trust can provide for the child’s health, education, maintenance and support. You can decide at what age you want the child to access the money and for what purposes.

LAW OFFICES OF SUZANNE M. GRAVES, INC.

A Professional Corporation

Suzanne M. Graves

Attorney & Counselor at Law

ENTERTAINMENT

I live to sing. My mother was a Juilliard trained pianist and a
wonderful singer herself. She instilled in me the love of music -
all styles - from Beethoven to Basie as I like to say.
My journey has been unique.

After college I pursued a management career in Fortune 500
company that eventually led to ownership of a successful sales
agency.

But music - singing - is in my blood. So, after work, I would
moonlight at local jazz clubs in San Francisco.

It's hard to believe sometimes that I'm about to release my fifth
CD on my own record label, Regina Records.

With such featured artist as Gerald Albright, Rick Braun,
Chris Botti, and Jeff Lorber.

I fell that I have a fine body of music geared for contemporary
jazz lovers with discerning taste.

And so the journey continues!

Victor Fields, Jazz R&B Singer/Songwriter/Radio Personality/Owner of Regina Records

www.VictorFields.com

PAPARAZZI

Lost in Translation

I remember as a kid we used to play a game called “Telephone.” It was a simple game where one person would create a silly message and whisper it to another person. That person would then try to remember as many details of the message as possible and pass it along to the next person, and so forth, until the final recipient of the message was tasked with saying aloud the often poorly translated message. This is a perfect example of how easy it is for information to get lost in translation.

Today’s consumer is being constantly bombarded with information from companies vying for attention and looking to persuade consumers with their message. In such a competitive environment it is important that your brand stand out and that you deliver a message that makes your prospects understand what you are saying, immediately.

Having an effective message that is direct and easy for customers to understand makes them feel informed and more capable of making a decision. It demonstrates confidence in your brand and its values and that you have thought about how you want to be perceived by your potential clients. A web video is a simple way to make sure that your message is heard loud and clear.

At Dream Shore Studios we specialize in telling your story and creating an effective presentation to drive your message home. We are able to take the roughest of ideas

and transform them into a message which engages the customer and brings in new business.

Jamar Williams
CEO & Operations Manager
Dream Shore Studios

Your Vision. Our Lens.

www.dreamshorestudios.com

FOODIE

Time in a Bottle

Where Wine & Food are Best Paired with Friends! Enjoy a Le Cordon Bleu Menu, Superb Wine & Exclusive Spirits!

The kind of place you want to hang out with friends, relax and enjoy food, drinks.

Our palate-pleasing Le Cordon Bleu Menu offers something for everyone and every diet need. Our hand-selected wine list is extraordinarily eclectic and Time in a Bottle is proud to be an exclusive source for some of the best American whiskeys and bourbons.

At Time in a Bottle we seek out the very best in fresh ingredients, sourcing as much as possible locally right here in the Inland Empire. We try to keep our purchases within California, but we’ve been known to import internationally for the right ingredient to make a dish just absolutely perfect.

Our guests deserve and receive a creative, innovative and truly eclectic experience. At Time in a Bottle, we’ve captured our passion for great food, great drink and great service. That passion is shared through our evocative menu, an extraordinary wine selection and top-of-the line of spirits that include many available exclusively only through Time in a Bottle. Plus, we’re always creating new recipes for martinis, cocktails and other beverages. Every month seems to bring a new drink sensation.

Award Winning

Gourmet Menu - Vegetarian Friendly

Afternoon

Dinner Entrees

Late Night Kitchen

Approachable Boutique Wines from California & Around the World

Classic Mixology using a Premium Well & Fresh Juices, Fruits & Herbs

Angel and Paula Negron

Adrienne Negron Rezac

344 Orange St. Redlands, CA 92374

Website: www.TimeinaBottleWine.com

Email: Paula@TimeinaBottleWine.com

Wednesday, September 3, 2014

"It's all about YOU"

TIP of TODAY

ESTATE PLANNING

Should I give my children their inheritance all at once or over a period of time?

Although your natural inclination may be to give your adult children their inheritances outright, that may not be the best or wisest course of action for them. A well-thought out series of sub-trusts in your living trust can provide for the specific needs of each child.

Leaving property to your children in trust can often protect them from their own inexperience with money, from their inability to make wise decisions, from their creditors or from a divorcing spouse. Adult children who do not have experience with large sums of money are often overwhelmed when they receive an inheritance. They may make poor choices and come to realize, too late, that their inheritances have gone to poor investments and frivolous spending.

Perhaps an adult child is easily influenced by friends and family and can’t say “no” when asked for a handout. Perhaps he or she has a drug or alcohol problem, and a large windfall will only increase his or her inability to satisfy the dependency. Perhaps at the time of your death, one of your children have the misfortune of being in the middle of a nasty divorce or lawsuit.

By using a separate sub-trust for each child, you can plan for all these situations very specifically if they currently exist, or you can plan in anticipation of the possibility of those problems and provide some protection for your children if it is later needed.

LAW OFFICES OF SUZANNE M. GRAVES, INC.

A Professional Corporation

Suzanne M. Graves

Attorney & Counselor at Law

Non-Profit Organization of the WEEK

Musicfuel Foundation does more than just bring music back into our schools.

We provide safe, creative and inspiring alternatives for today's teens, encouraging them to make positive life choices by providing valuable tools and experiences that are self-empowering, allowing them to see that their dreams are possible.

We offer mentorship, life skills workshops, professional studio recording sessions, showcase performances, and unique once in a lifetime opportunities with industry professionals.

Our goal is to encourage and support youths on their journey to discovering who they are and what they stand for, while providing opportunities for them to live their dreams.

Lisa Paterson, Executive Director & Founder

lisa@musicfuel.org

Nina Lynn, Executive Assistant

nina@musicfuel.org

www.musicfuel.org

FINANCIAL FINITES

Use silver as a hedge against economic uncertainty.
In a time of economic uncertainty and slow growth, silver is an excellent hedge. A hedge is a strategy that reduces your risk of losses when the market fluctuates, usually by investing in an offsetting position. Silver is a good hedge against currency depreciation and even inflation. That's because if the value of currency ever plummets, precious metals like silver and gold remain relatively stable, if not increase in value.

Think about investing in silver coins.
Silver coins derive their value both from the silver content in and the numismatic value of the coin. In most cases, the numismatic value of the coin is the main determinant of the value. What this means is that the characteristics of the coin — its provenance, quality, etc. — means more to collectors than the actual value of the silver when talking price. For this reason, many investors caution against investing in silver coins if you're not interested in numismatics at all.

Because of the collectible nature of silver coins, their prices can be very volatile. In fact, their prices can shift dramatically due to market demands, often for reasons that have nothing to do the price of silver. If you're going to invest in silver coins, be aware of this before embarking on your journey.

Try your hand at investing in silver bars.
Silver bars are bars of almost pure silver, much like you'd see in the movies. Because of their unique nature, they often trade at above-market price for silver. You can find silver bars at major banks or bullion dealers.

Silver bullion is effectively the same thing as silver bars. Bullion coins are made of precious metals, designed to store value instead of being used in commerce. As such, you can buy silver bullion coins if you're not wedded to the notion of having silver bars.
Silver bars come in different shapes and weights. 1 oz., 5 oz., 10 oz., 100 oz., and 1000 oz. bars are the standard, although there are certain manufacturers who design even lighter bars. What you need to know when thinking about weight is this: The smaller the bar, the higher the premium you'll pay.^[4] If you really want to pinch your pennies, buy bars in bulk!

Consider investing in silver rounds.

Silver rounds are a cross between a bar and a coin. Like bars and bullion, they have no numismatic value. Like coins, they maintain the same circular shape and usually contain a troy ounce of silver (1/12 of a pound). When purchased from a private manufacturer, they can be minted with a custom design.

Donna J. Dungee,
CEO and Financial Planner

JDJ Solutions, Inc

www.networkxchange.ws

ceo@networkxchange.ws

PET ASSISTANT

ADRIANA TRAINS DOGS

Balancing Dogs, Training Humans

I am a dog handler and trainer who has learned that just as our canine friends need training, so too do we.

My philosophy is to balance dogs and teach humans. My canine clients include some of the most problematical dogs you’ll ever meet found in shelters, private homes, and training centers.

My passion and love for dogs inspires me every day to change their lives and offer them the balance they were born with.

There is NO dog that cannot be helped.

My human clients include Tom Brady, Giselle, Gloria Estefan, Pink, Jada Pinkett Smith and Will Smith, Nayib Estefan, and Eva Mendes.

It’s a great feeling to start your day with a pack of dogs who were recently rehabilitated along with the new dogs whose lives are about to be changed.

At the end of the day as I say my goodbyes, my favorite moment is when the dogs look back at me with thankful eyes.

Their calming energy makes me feel like a great leader.

Adriana Barnes

www.adrianatrainsdogs.com

adiranabarnes344@yahoo.com

PAPARAZZI

HDR Photography: High Definition Realty

HDR or High Dynamic Range is a term used in modern photography to describe images that have been manipulated to reproduce a greater dynamic range of luminosity than possible using standard digital imaging techniques. When shooting properties, often times we are challenged by uneven lighting and differences in exposures that cause parts of the image to appear either too bright or too dark.

For example, if we were to take a photo of a kitchen with windows from the interior on a sunny day the interior may have a balanced exposure level. However, the landscape outside of the window may be over exposed and too bright. Having HDR capabilities allows us to take multiple shots of the same image at varying exposure levels and exploit the best parts of each shot. We then merge each shot into one final, balanced, HDR image.

HDR is important when shooting real estate because it allows the viewer to get a more accurate idea of how the property looks and makes the image more inviting and eye-catching. It gives a nice even look to the image and makes an otherwise standard photo look professional and print ready. At Dream Shore Studios we use High Dynamic Range to create a High Definition Reality for your potential buyers.

Jamar Williams
CEO & Operations Manager
Dream Shore Studios

Your Vision. Our Lens.

www.dreamshorestudios.com

FOODIE

The Cheesecake Factory menu features more than 200 menu selections made fresh from scratch each day –using only the highest quality ingredients which combines to create our remarkable tastes. We will gladly honor requests to modify your order to suit specific health or dietary needs.

The Cheesecake Factory is famous for our generous portions which are ideal for sharing or taking home for a second meal but, be sure to save room to enjoy one of 50 legendary cheesecakes and specialty desserts.

Catering

All of your Cheesecake Factory favorites like Avocado Egg-rolls, Chicken Madeira, Cajun Jambalaya Pasta, Barbecue Ranch Chicken Salad, Miso Salmon plus our 30 delicious cheesecakes, are available on our Catering Menu.

We even have boxed lunches that include one of our signature sandwiches along with fresh fruit, potato chips and a Godiva® Chocolate Brownie.

They're perfect for office meetings and picnics!

For just $15-$18 per person*, we make it easy and affordable to turn any large party or event into a Cheesecake Factory celebration!

*Serves 6-8

Curbside-to-go

It's never been easier and more convenient to enjoy The Cheesecake Factory! Our Curbside To-Go Service offers all your Cheesecake Factory favorites - delivered right to your car.

Simply call in your order to your local Cheesecake Factory restaurant. Drive up to our reserved Curbside To-Go spaces. Call our special Curbside phone number when you arrive.

We'll deliver your order right to your car so you can take it away trouble free.

Curbside To-Go is available at select locations nationwide.

Search Locations

Frank Harris - Senior General Manager

12379 North Main Street

Rancho Cucamonga, CA 91739

www.thecheesecakefactory.com

CREDIT MATTERS

79% of Credit Reports contain errors.

That number may seem high...but, it's true. It's ridiculous because our credit report is suppose to be an official document. It controls a larger part of your life. From the interest rate you pay on loans to whether or not you can get a car or house. It should be accurate. It should be correct. But that's rarely the case. That's just how it is.

The good news is there is something you can do about it. You can dispute certain items on your credit. In fact, there are 5 different items you can dispute.

Go to our blog post below to find out what they are and how to dispute them.

>>>5 errors that could be killing your credit.

Fixing just ONE error can make a difference of 10 points for some people...and for others it can raise your score literally 50 to 100 points overnight. That's a big deal. Don't ignore it.

Mike Roberts
Credit Coach
The Credit Solutions Program

www.TheCreditSolutionProgram.com

P.S. If you don't know if you have any errors on your report, then you should definitely obtain a recent credit report and check. Like I stated, removing can be an error can be a huge impact.

Wednesday, August 27, 2014

"It's all about YOU"

TIP of TODAY

Non-Profit Organization of the Week

The ALS Association is the only national non-profit organization fighting Lou Gehrig’s Disease on every front. By leading the way in global research, providing assistance for people with ALS through a nationwide network of chapters, coordinating multidisciplinary care through Certified Treatment Centers of Excellence, and fostering government partnerships, The Association
builds hope and enhances quality of life while aggressively searching for new treatments and a cure.

For more information about The ALS Association, visit website at www.alsa.org.

ESTATE PLANNING

Do I need a Will or a Trust?

Often times a person wonders whether they need a Will or a Trust. In most instances, a Trust provides the better protection. Here are the things you need to consider:

A Will only becomes effective upon death. Therefore, it does not take care of things such as mental incompetency, etc. A living Trust becomes effective immediately when you sign it, so it can handle what happens in the event of disability. This can keep you out of a conservator-ship situation.

In the state of California, if you have more than $150,000 in gross assets, then you definitely should have a living Trust. It will keep you out of a probate situation. Probates are drawn out and costly.

If you have real estate, you should have a living Trust. Owning real estate will normally trigger some type of probate action unless you have a Trust. If you own real estate in multiple states, you definitely should have a Trust unless you want to go through probate in multiple states.

If you have minor children, you should have a living Trust. If you have a Will or have done no planning at all, a Court or insurance company will not distribute assets to a minor. This means that guardian-ships would have to be set up in the Court and then the Court would control that money until the minor turns age 18.

When the minor turns age 18, then the Court releases the money to the 18 year old, most parents think that age is too young. You can keep it out of the Court house and control distributions by placing the assets into a living Trust for the minor’s benefit.

LAW OFFICES OF SUZANNE M. GRAVES, INC.

A Professional Corporation

Suzanne M. Graves

Attorney & Counselor at Law

FINANCIAL FINITES

In this issue of Financial Finites, the topic of tangible is of utmost importance. Tangibles, which are gold, silver, oil and food. Specifically we will place emphasis on silver and gold.

Rather than save cash, invest in gold and silver. Cash and/or paper money has no comparison in value. Paper money is and has always been a promissory note form of payment, which holds very little value.

The only time, when saving cash would be a benefit, is to learn how to be an options trader – in which, we will discuss in future issues.

As far as proper investment ratio’s, tangible yield an overall 25%!

Please find the following breakdown:

Equities 5%

Real Estate 40%

Precious Metals 25%

Oil 20%

Cash 10%

Silver and gold is a simple and worthwhile form of investment. If enough is accumulated, one can go anywhere in the world and purchase property, food, or anything else needed for survival. No paperwork or qualifications of a loan required.

In the event of a unforeseen emergency, or if you need a loan (usually a 1-2 week process and credit approval), could be the difference of life or death.

In the upcoming issues of NX for YOU eMagazine, we will discuss further the importance of tangibles, worldwide investments of tangibles, how to get started investing in tangibles and how to keep your investment secure.

Donna J. Dungee

CEO and Financial Planner

PET ASSISTANT

This video has reached over 30 million people and probably created enough happy tears to fill a swimming pool.

In just 4 minutes this will completely restore your faith in humankind.

Restore your faith in Humanity

Scott Charlton
Dave Barragan
www.petassistant.com

PAPARAZZI

Time after Time

Pictures capture moments in time and serve as mementos of the things we’ve experienced, people we’ve met, and places we’ve been. In today’s world we use digital technology to do what simple sunlight and light sensitive chemicals have been doing since the invention of the camera. With advances in modern photography new techniques to preserve history have been created.

Time-lapse photography is a cinematography technique whereby the frequency at which film frames are captured (aka the frame rate) is much lower than that which will be used to play the sequence back. When you replay this sequence at normal speed, time appears to be moving faster and lapsing. Essentially, time is being manipulated.This technique is wonderful for creating an engaging sense of motion and process.

At Dream Shore Studios we use this technique to display the majestic qualities of real estate properties throughout Southern California. Rolling clouds over hills viewed from a bedroom balcony, bustling sea vessels pulling in and out of a harbor near your port condo, and busy downtown streets are some of the tapestries we capture using time-lapse photography that make your listings stand out and make potential buyers take a second glance when searching for their next home.

View: Dream Shore Time-lapse photography

Jamar Williams
CEO & Operations Manager
Dream Shore Studios

www.dreamshorestudios.com
"Your Vision. Our Lens."

FOODIE

Loving Hut USA | Vegan Cuisine

Loving Hut is the largest family of vegan restaurants in the world and is the winner of VegNews 2010 Favorite Vegan Restaurant award. We have more than 200 locations spanning across multiple countries in Asia, Australia, Europe, North America and South America. In the USA, over 40 outlets have been established in major cities including Atlanta, Chicago, Cincinnati, Honolulu, Houston, Los Angeles, New York, Orlando, Phoenix, Portland, and San Francisco.

Loving Hut is created with the vision that all beings can live in peace, love and harmony with each other. All of our menu items are made with only wholesome, plant-based ingredients. Each Loving Hut is individually owned, with the autonomy to choose its own menu, thus giving a distinctive difference among all of our locations.

Loving Hut believes that a plant-based diet is healthier, more compassionate, and is the only sustainable diet for the whole planet. We invite you to the world of delicious vegan cuisine.

Bon appétit!

Declared Restaurant of the Year!

www.lovinghut.us

CREDIT MATTERS

Understanding Your Credit Scores: Part 2

In part 1, we covered the basics of your personal credit scores and the importance of maintaining good credit. Today, I plan to cover a brief explanation of the major factors on how the 3 bureaus, (Experian, Equifax, and Trans Union), determine and calculate your credit scores. Please note that your creditors do not report to all 3 bureaus all the time, which is why scores may vary by a large margin sometimes. A score of 720 or above is considered a very good credit score.

There are 5 factors that make up your credit score, and each factor weighs differently on your score.

Here is the breakdown 35% of your score is based on Payment History: The biggest chunk of your score, payment history, tells lenders how you pay your bills. Late payments, past due accounts, and public records such as bankruptcy can seriously hurt your score.

30% of the score is based on Amounts Owed: This is the second biggest factor affecting your credit score. This factor takes into account how much is owed on all accounts, how many accounts carry a balance, and what percentage of your available credit are you using.

10% of your score is based on New Credit: This factor includes the number of recently opened accounts, the number of credit inquiries, how often you apply for credit, and the time since each account was opened.

15% of the score is based on Length of Credit History: This factor scores you on how long you have had credit, the time since you opened an account, and the time since recent account activity.

10% of the score is based on Types of Credit Used: A mix of credit is the best way to develop a good score. The most important consideration is to be picky about the credit you apply for. For instance, and most people don’t realize this, but third party financed credit cards (i.e. department stores ) are considered to be particularly low quality credit as the holder of such cards can appear desperate for credit , to the scoring system.

So there you have it...the basics on how your scores are determined.

Joey Greenwood
www.myrightinc.com