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Standard of Living
	
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Look at the Standard of Living--Not Just the Salary
By Mark Shead
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The cost of living is just as important as your salary. If you make $60,000 per year, but live in an area where the average house costs $500,000 per year you may be better off taking a job for $30,000 per year where you can buy the same size house for $80,000. Most people tend to look at their yearly income, but forget to pay any attention to their expenses.

There are a host of other expenses to consider as well. If you take an expensive job some where that requires a two hour commute each way the cost is really going to add up. Even more important than the cost of gas and mileage, is the amount of your life that you'll be giving away. If you end up in traffic for 4 hours each day, you are basically having to spend the same amount of time you'd spend on a part time job just to get to work. You might be better off taking a lower paying job and putting in 20 hours per week at McDonalds.

The point is that you need to really consider how taking a particular job will impact your financial situation and quality of life as a whole. Many people think they are rich because they are making a lot of money when in reality they are poorer than people with half their income living somewhere else.

You can't just focus on your income you have to look at your income and expenses in order to be able to make a good decision. You also can't focus just on the money, you have to look at your life holistically. If you just look at one part you can convince yourself that you are making a good decision, when in fact you are setting yourself up for poverty.

It isn't how much you make that matters. What is more important is whether or not you are getting to live your life in a way that you are happy with. If you just focus on the money, you can convince yourself that you are happy with a situation that really amounts to living in poverty. Look at your life as a whole. If you don't you'll get to retirement age and wonder where all the years went and why you didn't spend them differently.

The Money 501 offers insights into managing your personal finacnes. You can find more personal finance articles at http://www.money501.com You can find more information about your standard of living at Money501 as well.

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Retire In Costa Rica - Baby Boomers Improve Standard Of Living Instantly
By Sacha Tarkovsky
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Million of baby boomers are due to retire over the next few years and many are worried about their standard of living.

Their living longer, have not saved enough, have reduced state support and soaring medical insurance. So what can they do to maintain their standard of living?

The answer lies just 3 hours from the US. They can retire to Costa Rica and not just make ends meet, but improve their standard of living and their still close to home.

This of course is not the only reason to retire to Costa Rica. Let’s look at all the reasons If you retire to Costa Rica you get a huge advantages in cost and lifestyle:

1. Cost

One of the main reasons people first want to retire to Costa Rica is the cost. Consider this fact you can spend up to 100,000 in Florida but of you retire to Costa Rica the same lifestyle costs around a 10th of that!

When you retire to Costa Rica you pay no income taxes on foreign earned income and no capital gains taxes. You also have access to world-class medical facilities and affordable medical plans.

Property is up to 70% cheaper and property tax is just 0.25%.

You simply get more for your money and those social security checks go a lot further when you retire to Costa Rica.

2. You feel at home

This is another major reason that people retire to Costa Rica. You feel at home because its only 3 hours by direct flight and the people are friendly but there is also a huge ex pat population of Americans, Canadians and Europeans.

This means you are surrounded by epats you know, who have created a culture that is familiar.

Some people like to retire alone and blend in with the local culture others don’t. When you retire to Costa Rica you can choose which you want to do.

3. Entertainment and relaxation

You have it all in Costa Rica its one of the top adventure tourism destinations in the world. You can choose from stunning beaches, rainforest, rolling hills, volcanoes and the Pacific and Caribbean.

It’s beautiful, but unlike many other retirement destinations it has good infrastructure and great entertainment and nightlife.

These are just some of the advantages you get when you retire to Costa Rica but there are many more in this beautiful and crime free paradise country.

If you have ever thought about retiring abroad but not got round to it then Costa Rica is a good place to start. Its close home and you will feel at home, when you retire to Costa Rica. You will also be able to enjoy a lifestyle you can only dream about now.

Consider the facts and you will see why more and more baby boomers are heading south.

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Home Improvement Loans Can Improve Your Standard Of Living
By John Carry
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Home improvement loans can be an ideal choice of borrowing for home improvement. If your savings are insufficient, you can apply for home improvement loans .There are plenty of things you would like to do for your home improvement. You may be willing to change the entire outside look of your home. Last year you have already spent on home interiors. So, exteriors are the first priority in your wish list. You need finance and home improvement loans have lots to offer you.

Secured home improvement loans are secured against collateral. Secured home improvement loans offer cheaper rate of interest. If you are remodelling or doing major home improvements and require larger amount, long term fixed rate payments can be viable choice as it is easier to pay off over a longer period of time. Lenders do not pose any restrictions on your home improvement; you are free to choose your priorities of home improvement loans .This loan should be repaid within 5 to 30 years. Home improvement loans are very popular and easy to get.

Home improvement loans can be used for improvising interiors as well as exteriors. You can rebuild your driveway, tennis court and swimming pool.Basically, home improvement loans are made to improve your standards of living. Home improvement will definitely increase the resale value of your property. So, always keep in mind that home is for living and for sale too, when requirements arise.

Always look for the best interest rates. This way you can save lots of money on interests and that can be a step towards prosperity.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Shakespeare Finance as a finance specialist. for more information visit us http://www.apply-4-loans.co.uk.

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Standard of Living and Business Factors in Wichita KS
By Lance Winslow
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There is a much lower than average poverty rate in Wichita, due to the higher paying jobs, availability of jobs and lower cost of living. The service industry is now 27% while manufacturing is 21-25% depending on who is floating the numbers and derivative trading on misdirection. Population has had steady increases with 13.% growth in the last decade, you can see the growth.

Sedgeway County has some 452,000 at last census meaning about 462K now. There are 19,600 apartments in Wichita. AYSO and Soccer are big in Wichita along with Baseball and other youth sports thus allowing for easy entry into community volunteer related services for our team to show our spirit. New Commercial Permits are down 50% over the past year. South Central Kansas Economic development had some of the best updated data we found, better than our tiger files and ERSI, census and overlay CD ROMs.

Enterprise Rent-A-Cars Wichita Chief Strategist with 2 satellite offices and 8 locations including a new airport office who met with us said they own that market which is good for us because they do need our services. We exchanged information about marketing to the various sectors and how we could assist each other. Finding a common thread in Jack, Enterprise Rent-A-Cars founder and purveyor of commitment and fervor and inspiration. We both agree he is a great leader and entrepreneur.

The market has other potential customers too, including four tour bus lines and 26 trucking companies. Rail Service is also there. Lowe’s just finished and opened another store to help contractors with the east end growth. We visited with Margaret Davis at the Chamber. She explained the significance of Old Town Center and Old Town Market Place a smaller version of Brick City that is the hit of tourists and locals in OKC. The chamber has some 1900 members and mails its newsletter to over 2700 VIPs. She agreed that the Derby area was a good place to wash cars as it is growing middle income. We talked with one older sweet lady who moved from Minnesota into Derby and found a real good buy on an older refurbished home so she could live by her daughter a crack marketing wiz for the number on Hospital in the region in charge of the entire department. Derby is building a pool for the community and that is one of the larger projects of the area, able to do it from the property tax base and higher than normal property taxes of the Wichita area.

We also discussed cool hang-outs and cars with one student from Butler Community College also studying Computer science to get a good job admitting after school they were o move to where the best job might be. Also Butler had several students hanging out at the coolest little fifties diner studying such things as Business Administration and Psychology so they could charge $50.00 per hour and going to transfer to KSU in Fall. Loni also told us of the fact that most students do stay after graduation in Wichita. They party in Padre Island during Spring Break and go to Aspen skiing and Breckenridge CO. They also go to the old town brick building area. Graham Central Station is the local bar hangout and most popular this year they have an interesting policy on Friday nights, if you are 18 you can go in and get you hand “X’ed” but cannot buy alcohol and must give them you ID and also get a wrist band. The other nights Thurs, Sat the place is packed. Everyone goes to the all night Starbucks afterwards or to Krispy Kreme. Park City is getting a new 55 million dollar coliseum, which is a middle-income growth area.

Even with a City like this a Brick Town concept or River Walk or both as they are doing seems to be a good way to keep the downtown area from becoming a ghost town and crime ridden. And it pays it's own way too, in sales tax revenues, jobs and tourism in general. The River Walk and Brick City Type Concept Promotes Tourism, Local Money Flows, Employment, Increased Tax Base and Down Town Revitalization. The change to quality of life is significant indeed.

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

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Why It Is Impossible To Raise Your Standard Of Living Working A Job
By Walt Goodridge
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Everything in nature has been endowed with what it needs to survive. There is no living thing that isn't inherently equipped with the skills and abilities it needs to secure its continued existence. Whether through instinct, size, camouflage or speed, no gazelle, lion or giraffe has to go to trade school to learn how to survive. That’s the beauty of the divine plan. We, as humans, are part of this plan and each one of us is given something that sets us apart from everyone else; something that we can use to ensure our own survival.

Before industrialization sent hoards of us to the cities to work on assembly lines in factories, we all used something we did or owned to exchange for the things we couldn't do or didn't own. Experts say that before the Industrial Revolution, 80% of us where entrepreneurs.

Unfortunately, because we now live in a capitalistic society, we rarely have a chance to be rewarded for the extraordinary potential we bring to the universe. Instead, we are rewarded for the lowest common denominator--something we share with just about everybody else; our time and your presence. Think about it. You're paid simply for showing up to a job for a certain number of hours to do a job which somebody else could just as easily do; It's this replaceability that ensures that the big business—which competes on price—can stay in business. If people were compensated based on the real value of their "talents" big business couldn't survive.

So even if he or she wanted to, no employer can or will ever pay you what you're worth. You can beg for a raise every year, work more hours, or go on a constant quest for the next higher paying position in an effort to improve your life, but conditions will invariably stay the same. The only way to really raise your standard of living is to leverage your talents, your gifts, your interests and your hobbies to create a product or service that you can sell to increasing numbers of people and free yourself from the cycle of trading time for money. You need to become a passionpreneur and turn your passion into profit!

By taking this bold step, you’ll join the ranks of a unique group of people I call “Passionpreneurs.”

Passionpreneurs are men and women of every age, ethnic group, educational background, profession and religion. They include housewives, inventors and artists. They are a diverse group of people from every corner of the globe. However, Passionpreneurs do share one common trait: they’ve all found something they enjoy doing and have decided to keep doing it.

More significantly, not only do Passionpreneurs enjoy what they do, they get paid to do it! They’ve found the hidden value in their talents, interests or pastimes, offer that value to the world in the form of unique products and services, and do so for profit. In other words, they’ve created businesses that allow them to make money doing what they love. As a result, many have walked away from frustrating jobs to live what I call a Passion -Centered lifestyle. They set their own schedules and control their time. They live according to their own personal value system rather than someone else’s. Furthermore, Passionpreneurs experience the joy, empowerment and unique satisfaction of being compensated for being who they choose to be, honoring what they believe in, and doing something they feel divinely called to do.

So why should you become a passionpreneur? I can think of no greater case one can make than simply happiness.

You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated.

Walt F.J. Goodridge is a career coach known as the "Passion Prophet." He is author of 10 books including Turn Your Passion Into Profit. Walt helps people become "passionpreneurs" making money in business doing what they love! Take his revealing personality test at http://www.passionprofit.com to discover or your Passion Profile or mailto: Walt@passionprofit.com

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