Millionaire maker, Robert G. Allen, states in his book “Multiple Streams of Income” that an individual ought to build up multiple streams of income to secure his/her future. As a 21 years old student, I was surprised that none of the “adults” that have taught me in school, my teachers, has ever taught me that. “Multiple Stream of Income” (Passive income portfolio) is something that can be build by anybody who has understand how important money is.

This article is written to remind myself and other student why he/she ought to start building up their passive income portfolio as soon as possible so that he/she will be able to achieve financial freedom fast! The following outlines are the important things that ought to be remembered after reading this article.

• Working for others does not create passive income.
• You do not need much money to grow your money tree.
• The moment you work, it’s a whole different world.
• Becoming rich at 65 is too late to be enjoying life.

1. Working for others does not create passive income.

Passive income is an income that is being generated even as you sleep. A lot of us grow up with a mindset of graduating with an honor and hoping that right after we got the degree, we can search for a decent job and “we will take it from there”. By working for others, we are not creating passive income. Our main goal, in order to be rich, is to create different type and sources of passive incomes in our lives. Earning a fix income every month will not let you achieve financial freedom. Most of us are still young, we have got a lot of time to build up our passive income portfolio. So start now!

2. You do no need much money to grow your money tree.

There are different types of ways to create a new stream of income in your life. Some ways required a lot of money to starts, most don’t. I really advised all of you to read a book written by Robert G. Allen, “Multiple Streams of Income”.

The book taught us different ways to build up our passive income portfolio. A lot of people think that it takes a lot of money to make more money. And that discourages them to even try to make money. That is not true! If you do your homework and thoroughly do your research, you will find out that you can start earning an extra income by doing a lot of things. For example, a 15 year-old boy save up enough money to buy a candy vending machine. He got it in E-bay for about $50. After getting permission from the owner, he positioned the vending machine in his favorite toy store. Each month he will spend about $10 buying sweets to put in the vending machine and each month he will be earning about $20 from many people who insert quarters in exchange for the candy.

This fifteen year old boy has already created one tiny stream of income. He does not require that much money to start building his first tiny shoot of money tree. And that is just one of the examples. Amazon.com is well known for their affiliation program. Nowadays, there are many affiliation programs out there and these programs are not too expensive to start. What I am trying to say is, if you are really seeking for a financial freedom, start now. There is no reason for you to delay your first step in achieving your dream.

3. The moment you work, it’s a whole different world.

One thing that worries me as a student is how little time I will have for myself as soon as I start working. Waking up at 7 A.M every day and work till 5 P.M is not something that I will enjoy. Don’t get me wrong, nothing is wrong with working. In fact, I worked in an office position before. I enjoy the lessons I learnt from working, but I don’t enjoy working. After you are done with your job, you won’t have much time to socialize with different type of people. You will be spending most of your time of the week with your co-worker. The time you can spend with your family, loved one, friends will be limited. We are student. While we are studying, why not take that extra one or two hours per day to build up our passive income portfolio so that we have an escape route from the rat race that is put before us?

Purchasing a giant bean bag to relax on in your home is possibly one of the best investments you could ever make. Sinking into it after a long had day at work is possibly one of the best feelings you could ever have. A giant bean bag is perfect for lounging around in because it fully supports you but provides a more comfortable environment to relax in. It certainly provides you with something to look forward too when you are stressed.

You are not pigeonholed into having one from a small range of sizes, shapes and colours when it comes to bean bags. There are literally thousands of colours, shapes and designs of giant bean bag out there. The choice is entirely yours but it would take hours to browse through them all so it would be advisable to decide what you want ahead of time. There is at least one perfect giant bean bag for you that will fit into your home without standing out for all the wrong reasons. Regardless of your current interior design, I guarantee there is one to match it out there somewhere.

In some cases, manufacturers would actually consent to making your own personalized giant bean bag cover. If you want it to absolutely blend into your home and have already spotted a fabric that would fit perfectly then do not hesitate to ask.

Built To Last

The majority of giant bean bags are actually made of fade resistant substances so the colour is not lost over time. Of course this gives it an edge over regular chairs and sofas because they actually do fade quite quickly in some cases. The polyester that the bean bag is made from will not fade or wear out as quickly as a result. This is perhaps the one things that may encourage people to buy them simply because you will use your giant bean bag as much as, if not more than, any other piece of furniture in your home. It would be prone to wearing out easily owing to continuous use, but the coating actually reassures you that is not the case.

If you plan on using your giant bean bag instead of a chair then it would be wise to seek out one that will not absorb moisture and thus will not degrade as quickly. Also, it would be prudent to choose a giant bean bag that absorbs heat because this will ensure that your bean bag remains warm and comfortable for you to lie on or sit on all year round.

A giant bean bag can bring luxury and comfort to your home whilst blending into the background. It will also make a statement about your character and individuality. Choose wisely and your giant bean bag will not let you down. As an alternative to a chair, the bean bag could not be a better choice of home furnishings. They are cheap, resilient and comfortable. What more could you want from a giant bean bag?

Many of kitchen remodeling specialists have suggested that kitchen sink is one of the most important parts of overall layout of the kitchen. It could be a disaster if you completely select the wrong type and design of kitchen sink. This is because it is unlike the other part in a kitchen that you can somehow matching them with overall theme of the kitchen but it’s not for kitchen sink. So it is crucial to learn about these little tips which will enable you to buy good quality and styles that suite to your overall theme of the kitchen.

Firstly, before you decide to do anything with kitchen re-design, planning about budget is very important. It is very important to do forward planning about the money that you are going to spend on this project and more importantly is once you finish the budget planning, you must stick with the plan. In many cases that home owners have to stop the project at the middle of the process because they have run out of budget, so make sure that this situation will not happen to you.

Shopping around is also a good idea to have initial plan of how many types of kitchen sink that available in our area and you can use this opportunity to do a price comparison to see which one is affordable. Do not be appealed by the luxurious and beautiful kitchen sink out there which will make you are in trouble due to its expensive price make you out of budget. Just to collect information from them but do not consider them. However, you may find that the greatest place to looking for the best kitchen sink is the internet. Sometimes there is information that you may find about kitchen sink on the internet that you never find on looking for them from local shops. The key of success is you should take some time to find it and do not hurry to purchase one. Just continue shop around and be patient and keep compare the price until you can find the best one that fit to your budget and requirement.

The size of kitchen sink is very important factor that you have to know before you start to shop around. Without getting the exact size of kitchen sink before you go shopping, you increase chance to get the sink that do not fit to the space that you have and it is really waste of time and cost. But importantly you have to make sure that just get the size before you go shop around.

The glowing economic reports are blowing away the middle class. Amid rough retail reports you can still find some gems. Tiffany the luxury jeweler profit rose as sales went up 20% to $ 662.6 million. Other lower end retailer’s sales fell across the board. The struggling middle class are feeling the pinch. The uncertain housing market is causing a lot of the financial woes. A snapshot of the landscape, with the entire home for sale signs would give you a picture of the slowdown.

The middle class is surely being kicked while down. The alluring home market has fallen flat for the struggling middle class. The number of Americans without health insurance has risen by 2.2 million. There are a total of 47 million people without this insurance. The poor are still poor and the middle class is struggling to stay middle class. The claim is other sections of the economy are healthy.

Then who and what are the reports referring to? Before 1990 the Forbes 400 had a combined worth of $221 billion combined. By June 2006 they were worth 1.3 trillion. The median household income has held at about $ 44,000. What this means is if the lower to middle class incomes are stagnate while inflation is rising, the healthy economy exists for the rich. There are many ways to make the national economy appear healthy than it is for the average working class family.

Adjusted for inflation the federal minimum wage has fallen 42% in June 2006 since its peak. It is said that 80% of American spend more on health care than entertainment. Partly this is due to the high cost of prescription drugs. The second part is that the number of prescriptions written is higher than ever. The U.S. economy is partly built on the pharmaceutical and food conglomerates. Think about it you have to eat so there is always a market for what the food industry produces. Than again after you indulge in the processed faux food you wind up in the arms of the pharmaceutical giants.

In other words the big players on the top rungs are where we find the health economy. The U.S. economy is supported by the working class. From taxes to buying habits the happy reports about the U.S. economy are fueled by the feeding of the corporate giants. The top is getting heavy and the bottom half is loosing its footing. If the U.S. economy sinks the middle class, it will echo thought the whole economy.

The opportunities for wealth still exist in this economy. The problem is that the industrial giants are in the position of expanding their reach at the cost of the general population. Basically, what the prevailing thought is that the rich spend and keep the money in circulation. Their buying power and consumer spending feed the economy. The question is whose economy. Sure Tiffany is enjoying good sales growth, but what about the mom and pop stores selling lower end merchandise.

When doing an overview of the economy you have to look at the landscape. When listening to the reports on the economy you have to ask where Middle America is. Then you can get an idea if the ship will stay afloat, and I think the answer will not surprise you. Middle America is not being buffered by the high rollers. If anything it is being sunk by the people who claim to be holding the economy together.

ink is the most important area in your kitchen. Yes, I’ll rank it higher than the stove since all the activities you do in the kitchen begin and end in the sink!

Since it is used so often and for such long periods, the first attribute for a kitchen sink should be durability.

There are a wide variety of kitchen sinks available and they are made of such diverse materials as stainless steel, enameled cast iron, soapstone, concrete and quartz composite. Among these the quartz composite sinks are the most durable. The enameled cast iron sinks are also a good choice. They come in many attractive colors and are also easy to clean and maintain.

Don’t even think about sinks made of china or brass. There is no doubt that they are exceedingly beautiful but are not durable at all.

If you have deep pockets you could go for nickel or copper. Of the two, nickel is the toughest but pure copper is more practical as it requires no maintenance at all.

If you only count on durability you may go for enameled cast iron sinks because one may last you even twenty five years! But care has to be taken to preserve the enamel coating because it tends to crack quite easily. You can’t afford to forget using the sink mat!

But the most widely popular kitchen sinks are those made of stainless steel. They are very easy to clean and though slightly noisy when used, can last for years together. The only problem is that they tend to get dented quite easily. So, proper care has to taken while lowering or taking out utensils from the sink.

The smooth clean lines of design and their gleaming finish allow them to match perfectly with any type of kitchen décor. In fact the gleaming bright steel acts as a counterpoint to predominantly wood and laminate décor in the kitchen. A newer variety of stainless steel known as brushed steel or matte finish steel has set the markets on fire. Sinks made from this material have a sober classy subdued look but what is more practical is that they hide the scratches and dents more effectively.

Mirror finish and satin bowls with mirrored edges are also popular varieties of stainless steel kitchen sinks.

While you choose a sink take care that it fits with the kitchen décor. A deep single porcelain enamel kitchen sink will be a jewel in a farmhouse style kitchen; while a tile-in sink will look perfect in a French Country style kitchen.

Persons working at a home business have a better chance of success if they can learn to close their eyes and ears to anyone and anything in the home that detracts their focus from the task at hand. When you work for someone else, in their place of business, chances are there is not going to be a television you can watch whenever you feel like it, and while there might be a radio available, in is probably playing in the background causing no distraction to your ability to get your work done.

Your work outside the home probably is not constantly interrupted by a spouse or child, unless you have a really tolerant boss and from your desk you most likely cannot see dirty dishes in the sink, or a pile of laundry that needs done and will not notice the grass has grown in the past few days and needs cut again. While working at home does have many advantages, it is also rife with distractions that can take the focus off of the task at end and toss a torpedo into the heart of your work world.

The first few months, not days or weeks, but months of working at home are going to be filled with distractions, especially if you have a spouse that works outside the home. It will take them some time to realize that yes, you are at home all day but you are working and no, you do not have time to run the vacuum cleaner no matter who is expected to arrive for dinner. If you want to do this while taking a break or having lunch, that is OK, but putting your work aside to take care of a household chore can set a dangerous precedent for the future.

Establishing a work schedule is a must for any business owner and even more important when running a home business. Even if you seldom see any customers or clients in your home office, you still have to maintain a semblance of professionalism. The idea of sleeping in and sitting down at your desk at the crack of noon in your favorite pajamas or sweat pants may be inviting, but it does little to improve your self-discipline. Besides, there may be something on television you want to watch that night and nothing will get done in your business.

When you accept work from clients you are making them a promise that it will be done in a timely manner. Some of the most successful home business operators still set their alarm clock, get up, get dressed and go to work at the same time every day. This will set the personal tone for your business and will lead to a better chance of success. If you allow all the little household chores to come between you and your work, the house may be spotless, especially for the next occupants after you get kicked out for not being able to pay the rent or mortgage.

While a garbage disposal keeps some waste from clogging your sink, it is also a haven for bacteria to multiply. Food scraps grind into tiny pieces and can be flushed away to the sewers or septic system, but small remnants of food and grease remain behind. These remnants will begin to rot, causing foul odors that can send you running from your kitchen. Ignoring the problem or relying on perfumey air fresheners will not help. You need a powerful agent to kill the odor-causing bacteria.

Help Is Here

If you think you are safe from odor and clogs because you do not own a garbage disposal, you are sadly mistaken. Garbage disposals are not alone in this - even sinks without garbage disposals can become havens for grease build-up, tiny food particles, and stagnant water in the elbow area. As bacteria develop, the water or sludge rots and emits the rotten stench that embarrasses many homeowners.

To prevent the stubborn bacteria from forming, a garbage disposal cleaner and deodorizer can be used to cling to the rotting material. Garbage disposal cleaners work hard to clean out the remaining food pieces and any grease that is causing the bacteria to thrive. After flushing away the cause of the bacteria, powerful deodorants go to work killing the odors that exist and filling your sink area with a clean, citrus scent. In as little as ten minutes, your sink will be sanitized and fragrant.

Instructions

All it takes is one-quarter of a cup of a powerful garbage disposal cleaning agent to keep your sink clean and smelling great. In addition, high quality cleaners are simple to use. All you need to do is fill your sink with warm water and then pour in the disposal cleaning product. Then, unplug the drain and allow all of the water to work its way through the sink and pipes. If you have a garbage disposal, run it afterward in order to clear out any loosened food particles and rinse it out with warm water.

Your kitchen sink and garbage disposal will now smell great. This type of product is also going to help lengthen the life of your garbage disposal because built on food can wear out the motor more quickly. For the price of one simple cleaning product, you are not only keeping a clean sink, but preventing costly motor wear in the future!

If you’re looking to buy a kitchen sink, then you must consider every detail and feature. The Kitchen sink is probably the most used aperture in the whole household, even if you’re using a dishwasher, most of the cleaning is still done in your ordinary kitchen sink, all the more reason why you should find the best one around.

Size

Choosing a kitchen sink apart from being a question of quality is also a question of need. Most of the standard sinks that you will find in the market roughly consist of two 22 by 30 inch sized bowls both 8 inches in depth, however, if you use large pots, you might want bigger sizes or you might want to have them specially made. Nine and Ten inch deep bowls are also available commercially. Added features like bowls for peeled fruits in the center can be very handy.

Whistles and Bells

If you want your sink to have all the whistles and bells available, then you might want more pre-drilled holes on it. Most sinks have four holes on it, one for the hot knob, one for the cold knob, one for the faucet and another one for the shower feature. Some sinks however have extra spouts, for soap dispensers, an air gap for the dishwasher drain, a liquid soap dispenser, a TV, well just kidding about the TV. But if some sinks have extra features that you might not want to use, you can always ask the supplier for ready made plugs to cover the unused holes, conversely, if the sink you choose doesn’t have enough holes, you can easily drill a hole in your sink, or maybe have it drilled by a professional.

Installation

Apart from choosing a design and a type, you should also be aware of your sink’s location, will your chosen sink fit in the desired location etc. You can choose from a self rimming sink or an undermount. A self rimming sink is easier to install and would just rest on top of your counter, however, the underside where the sink meets the countertop can be a breeding ground for bacteria and may be hard to clean. An undermount however, is harder to install because it has to be attached from under the counter. This type however, is easier to clean.

Type of Sink

Now we proceed to choosing which type of sink to choose. To make the choice easier, a few pros and cons are listed together with a brief description of each type of sink.

Stainless Steel

This is probably the most common kitchen sink around and is available in all prices ranges. However, you don’t expect to buy the best quality sink for a cheap price. Usually a cheap stainless steel sink is made of thin metal which flexes and vibrates. This is especially bad because of the racket it makes when the water drums on it or when the garbage disposal vibrates. A good quality sink doesn’t get scratched easily and should be easy to clean. A sign of a good quality sink is also its ability to maintain a brand new appearance even if you just wipe it.

A general rule for buying stainless steel sink is not to buy mirror type ones, sure they’ll look great when brand new, but overtime scratching will mar its surface and give it a foggy dirty look. Another good tip is to check the insulation under the bowl, insulation deadens the water drumming. Foam insulations are always better than those that are just sprayed on.

Enameled Cast Iron

The best thing about enamel cast iron sinks is its elegant finish which is available in many colors. It has a very hard finish and will rarely chip. Another good thing about this is its resistance to water drumming. It keeps hot water hot longer, and if you’re excited about that, you’ll be happy to know that clean up is a breeze, a good wipe over should be enough for this baby to get back its original shine.

Warning: There are Enameled Steel sinks, but these aren’t the same quality as cast iron sinks.

Composite sinks

These are sinks made from a mixture of two different substances to make a very sturdy material. Generally, Acrylic and fiberglass aren’t a very good combination because they tend to easily absorb stains and as time passes, lose the glossy finish.

A Quartz composite sink might be the best choice for this range of sinks. These are known for their durability.

Composite sinks however, are susceptible to scratching. You should avoid rubbing sand or dirt on them or using abrasive cleaners. The water drumming is still present but probably not as loud as stainless steel sinks.

Tip: To make sure that you have a sturdy sink, press down on the bowl, if it flexes, there are chances of a noisy garbage disposal.

When you are planning a new kitchen, you need to remember to budget for a sink and taps. It’s very easy to forget these fittings but the sink and taps are an important part of your kitchen, especially if you don’t have a dishwasher.

When you are considering the location of your sink, you will need to take into account where the water pipes and drainage are and the locations of the hob/oven and the fridge. You want these three items to be in a triangle and within easy reach of each other so that you do not have to travel very far to take things from the cooker to the sink etc. If you have a small kitchen which is L-shaped, you may want to consider a corner sink with the main sink on one wall and the drainer on the other wall, but both next to each other in the corner. This corner position will then give you long runs of worktop for food preparation and serving, and plenty of space for a hob.

Sinks come in many shapes and sizes. You can buy double sinks, with both sinks the same size for washing and rinsing; single sinks with a drainer; one and a half sinks for washing and tipping waste; sink and waste disposal unit; three bowl sinks with a small central bowl for waste etc. Some sinks fit into the work top, others, like Belfast sinks have their own front edging. It all depends on the style of your kitchen. Belfast sinks look great when teamed with handmade wooden kitchens to give a country style.

Let’s consider different types of kitchen sinks:-

Stainless Steel Sinks – These sinks are practical, durable and look great in any style of kitchen. They have been popular for decades and are liked by everyone. Stainless steel is a good choice because it does not stain with dirty washing up water or waste, is easy to keep clean and looks great for years. Look for 1mm/18 gauge stainless steel sinks, as thinner stainless steel can dent more easily.

Enamel/Porcelain sinks – These sinks are enamel or porcelain on top of cast iron or steel. Enamel or porcelain over cast iron is much more durable than over steel. The disadvantage of these sinks is that they can get chipped and show the base metal.

Granite sinks – Also called Fragranite, Silgranite and Rock by manufacturers, granite sinks are simply granite cut into a sink shape. Granite sinks are practical and durable because they are heat resistant up to high temperatures, stain resistant and scratch resistant. They are easy to clean and if they get chipped in any way, which is unusual, the colour of the granite goes all the way through and so damage won’t be obvious.

Ceramic sinks – Ceramic sinks are often in the “Belfast” style and fit onto brackets on the wall. They are white and have a sluice style overflow. Modern inset ceramic sinks are also available. Always be careful to clean up any brightly coloured stains such as tomato sauces otherwise you may discolour the sink.

Kitchen sinks are used a lot, but thankfully they are the least expensive feature to change in your kitchen. There are varied options in styles, shapes and sizes, but remember that costs vary dependent on the materials they are made of and the style. However, the decisions you make determine the time the sink will last and it should be something you really like.

Sinks are classified into two types: double basin; or single basin. The less common ones are the triple basins, but they are not so easy to find. They vary greatly in depth and width. How you use your sink and what type of kitchen you have will assist you in choosing between a double or single one.

Kitchen size will also determine what you need. Small kitchens work better with single basins, and can be overwhelmed by the double variety. However, double basin sinks are beneficial because you can prepare food for cooking and wash dishes at the same time.

The most desired material choice for kitchen sinks is stainless steel. It is very easy to install, as it is fairly light weigh, very easy to keep up. Quality of stainless steel sinks is determined by the gauge of steel. Lower gauges have better quality. In addition, the quantity of nickel and chromium in the steel is important – the more the better.

For more traditional or country themes, porcelain sinks are an attractive option for home improvement. There are so many colours to choose from, in fact more than any other material.

Solid sinks are frequently used with customized countertops. They are made of composite and used in more costly kitchen projects. The surface is both scratch and stain resistant and durable. In fact they are definitely very easy to maintain and a joy to clean.

Another less costly sink material is enamel. It comes in varied styles and colours. However, it requires far more maintenance and care, and unlike stainless steel and solid sinks, it is less durable. Enamel scratches and chips way too easily, and there is no way you can use abrasives on them for cleaning.

Once you have chosen your sink, you need to decide how many holes you need to put in. You should decide how many or which of the following you want installed – soap dispensers, spray nozzles and faucets. Plus, it is important to know exactly how many handles you need for your faucets.