Wednesday, September 3, 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



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.

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
Nina Lynn, Executive Assistant


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


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


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.


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.
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

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.
Frank Harris - Senior General Manager 
12379 North Main Street 
Rancho Cucamonga, CA 91739


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
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.