Steve Gillman Profile and Articles
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51). Cat Litter On Mount Shasta
Climbing Mount Shasta Topped by snow and glaciers, Mount Shasta rises up above everything else when you approach it from the north.As
52). Categories of Real Estate Investment
Below are ten categories of real estate, and different ways to invest in them. The best one for you is something only you can decide, according to your particular needs. To help you do that, I list a couple good points and bad points for each type.
1. Renting single family homes. Good points: An easier way to get started, and good long...
53). Cheap Backpacks
Cheap backpacks can be made, but I don't recommend it. Unless you are extremely skilled at sewing, it isn't likely to come out like you want. Also, even if you are an expert, it will probably take less of your time to pick up an extra day at work and buy a pack with the earnings.
On the other hand, if you have an old backpack frame, y...
54). Cheap Carpet - Carpeting A Room For $20
Do you want cheap carpet that you can easily install yourself? Well, I once carpeted a large bedroom for a total cost of about $12. You read that right, and no, the carpet was not used carpet. I did it with carpet samples.
I bought them for 25 cent apiece at a closeout sale, and it took 36 squares of carpet to finish the room. The only...
55). Cheap Family Vacations - Some Suggestions
The real secret to cheap family vacations is to be opportunistic. When a friend offers you their cabin on the lake, say yes. Can you have as much fun
56). Cheap Houses For Sale
We found cheap houses for sale all over the country. My wife Ana and I were on a seven-week drive around the country. It was a vacation, but we looked at houses too, and bought one in a great little town in the mountains of western Montana. It cost $17,500, and after $2000 to fix it up, we lived there for several months before selling it for $28,00...
57). Cheap Insurance Secrets
Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.
Cheap Life Insurance
- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even t...
58). Cheap International Airfare
Always looking for the cheapest way to do things, I searched several websites that claimed to have cheap international airfare. The cheapest from Traverse City, Michigan to Quito, Ecuador, was $1720. Out of curiosity, I checked Miami to Quito, and it was only $404. Airfare from Traverse City to Miami was $299. Book two separate flights and I could ...
59). Cheap International Plane Tickets
Cheap International Plane Tickets The best place to buy cheap international plane tickets is online. We've tried travel agencies an
60). Cheap International Travel Secrets
What is the real secret to cheap international travel? It is the same as the secret to doing anything for less. Learn to be an opportunist. Opportunis
61). Cheap Travel Secrets
There are two ways to save money traveling. The first way is to get the best deals on the specific things you want. There is a limitation to
62). Cheap Vacations - Ten Ideas
Cheap vacations can still be relaxing, fun and whatever else you want them to be. Unlike cars and shoes, vacations don't get better according to price
63). Checklist For Moving
Using a checklist for moving can keep you from forgetting things. Important things, like turning on the electricity in your new home, or filling the heating oil tank. Of course you have to make your own moving checklist, but you can start with the suggestions here.
Checklist For Moving - A Month Before The Move
- Su...
64). Chimborazo: Climbing Glaciers Near The Equator
Climbing the glaciers to the summit of Mount Chimborazo in Ecuador isn't highly technical. It is mountaineering, but how hard can it be, considering I
65). Clear Thinking 101
Want clear thinking? Resolve your "mind irritations," by watching what's going on in your head. It takes practice, but you can start right now. Sometimes a phone call you need to make quietly bothers you all day, just below consciousness. Maybe you're worried about an upcoming meeting. How do you find and resolve these things?
Take a d...
66). Concept Combination For Creative Problem Solving
There are many creative problem solving techniques used by inventors to come up with new solutions to old problems. For sheer innovation, though, it's
67). Conversion Van Camping Advice
Conversion van camping doesn't give you the luxury of life in an RV, nor the discomfort of sleeping in a tent. It can be tough to safely heat a van at
68). Corporate Crime
Corporate crime? I'm not sure that there is such a thing. If we want to reduce the crimes that are given that lable, we need to quit handing out large punitive fines to corporations. The idea isn't as radical as it sounds.
First of all, when I say that there isn't such a thing as corporate crime, I simply mean that it is always individ...
69). Crazy Money Making Ideas
Sometimes new money making ideas are immediately usable. However, sometimes you just have to let your imagination run wild and be impractical. This is a way to get that creativity going, and no matter how crazy the ideas may seem at first, there is usually a way to bring them down to earth, as in this first example.
Rental Cabins In...
70). Creative Financing - Ten Ways
Do all the creative financing techniques you hear about really work? Yes, actually. They probably have all worked somewhere for someone at least once. The point isn't if they will all work for you. The point is to know what is possible, so you can find your own creative ways to invest in real estate. Here are ten methods to get you thinking.
...
71). Creative Imagination
Creative imagination is more than just active imagination. To be able to actively imagine things, to see and hear things in one's mind, is an important ability. It doesn't have to involve much creativity, though, does it? Daydreaming, for example, is a process of imagination. It can consist of an elaborate fantasy world, but one full of all the thi...
72). Creative Real Estate Financing
Do the creative real estate financing techniques you hear about really work? Yes and no. They likely have all worked somewhere for someone at least once. The important point is to understand the principles involved, so you can find your own creative ways to invest in real estate. Here are ten methods to get you thinking.
1. Use hard mo...
73). Creative Real Estate Financing Methods
This is the age of creative real estate financing. Maybe you remember when financing meant you saved up enough to put 20% down on a house, and then got a mortgage loan for the other 80%? You can still do that, but there are many more options now. Here are ten of them.
1. Second mortgage loans from sellers. Many banks will allow you to ...
74). Creative Real Estate Investment
An example of creative real estate investment? When I was young, I had a job that paid $3.40 an hour, and I somehow saved enough to buy my first piece of real estate - 2 acres near where I lived. It cost $3,500.
I spent a few hours removing brush, outlined a driveway with logs, and hand painted a sign. Two weeks after I bought it I sol...
75). Creative Solutions Using 'What If?'
For the most creative solutions you need to get your mind looking in new directions. One of the most systematic ways to do this, is with a list of words, primarily adjectives, to create "what if?" scenarios. The process starts with the question, "what if it was..." and then you insert a word from the list. "It" in the question is the problem you're...
76). Creative Thinking 101
Can creative thinking and even spontaneity come from a highly organized approach? Yes! For example, if you watch great comedians closely, you'll see that they have certain habits of mind. Even the most spontaneous ones get better with practice, because they're training their brains to find the humor in situations.
In the same way, you...
77). Creative Thinking: A How-To Guide
Creative thinking is a potential we are all born with. If you don't use that potential, it is probably because you don't know and apply the simple principles for developing it. We can remedy that right now.
The two basic principles of creative thinking are:
1. There are methods and techniques of creative thinking.
78). Creativity - How To Have More
To have more creativity, follow this two-step plan:
1. Encourage creativity.
2. Train your brain to be more creative.
Start on both of these right now, and you can experience greater creativity today.
Encourage your creativity and you'll increase your creativity. Of course, this is true of most th...
79). Credit Card Tips
There are credit card tips, and then there are credit card secrets. These latter are little known tricks that credit card companies play on you, as well as tricks you can use to get rid of fees and pay off your debt sooner. Here are some of the best credit card tips, tricks and secrets.
1. You can get rid of annual fees. If you have go...
80). Daily Motivation: 7 Methods
Isn't a lack of daily motivation one of the biggest problems we face when trying to better ourselves? We often know what to do, or at least the first
81). Developing Intuition
Developing intuition starts by realizing you have it already. If you've ever had a hunch about something, that was intuition. Intuition is just your mind using more than what you are consciously aware of. But can you trust your intuition? How do you improve it?
Developing Intuition In Three Steps
1. Recognize it and...
82). Do You Have This Bad Habit?
It's likely that all of us have this bad habit to some extent, and I nominate it for the title of the worst habit one can have. What is it? Fighting reality rather than accepting and dealing with things the way they are. Here are some examples, and a few suggestions as to how to break this habit.
Are You Fighting Reality?
...
83). Do You Think Motivational Thoughts?
What do motivational thoughts do? They help you take action. This isn't about positive thinking or motivating quotes. Those have their place in shaping your attitude and thinking. However, what motivates each of us is unique, so you need to have your own thoughts - those which are most effective at getting you going.
"In the middle of ...
84). Don't Drink The Water
Definitely don't drink the water if the locals don't. Aside from this travel guideline, it's tough to judge when it is safe to drink the water in anot
85). Easy Invention Ideas
Easy invention ideas? Why easy? Sometimes it's just too intimidating to think about building a new type of car, television, or other complicated invention. So these are ideas for garage or basement tinkerers. Coming up with a prototype for most of these will cost no more than the money in your pocket. They are not patented yet, as far as I know.
86). Easy Ways To A Better Life
Want a better life? Big changes are difficult, and take time, but there are many easy steps you can take right now. Take many steps, even small ones, and pretty soon you're getting somewhere.
A Better Life Today
It's easy just to look, right? Start looking for specific ways to make your life better, and to improve yourself...
87). Easy Ways To Make Money
There are easy ways to make money in my opinion, but of course this means different things to different people. For example, do you want easy ways to make money right now, or ways to make the most over time with the least effort? These really are two very different things.
Easy Ways To Make Money Right Now
- Go get ...
88). Eat Plants While You Hike
Knowing a few edible wild plants can make your next backpacking trip, or any trip into the wilderness, a lot more enjoyable. You can
89). Edible Wild Plants For Backpackers
Knowing a few edible wild plants can make your next backpacking trip, or any trip into the wilderness, a lot more enjoyable.You can pack ligh
90). Energy Boosters
I needed to learn about energy boosters. Fatigue and a lack of energy have been problems for all my life. In an effort to find out why, I've asked doctors, read books, and finally decided that some questions just won't be answered in my lifetime.
Fortunately, I've also learned that even without discovering the root causes of my tiredne...
91). Excessive Credit Card Debt Solutions
Of all the things you can do to resolve your excessive credit card debt, the first thing to do is to stop creating more. I've seen more than one person get out of debt briefly, only to fall back into it. Start changing those habits. Regardless of how quickly you change your habits, though, if you have the debt, you want to knock it down. Here are s...
92). Eye Tricks
Eye tricks? What can you do with your eyes? More on that in a moment. First, let's look at what you can tell by watching a persons eyes.
By watching what they are watching, you can learn a lot about people. What kind of women does a man look at? Does he pay any attention to the game on the TV? Note whether he seems bored or interested ...
93). Falling In Love In Ecuador
On my first trip to Ecuador I discovered that the official currency of is the U.S. Dollar. A nice surprize, since I thought I'd have to find a place t
94). Find People For Free
How do you find people for free? To avoid hiring a private investigator, learn how to do your own investigating. Here are a couple techniques to get you started.
People are creatures of habit. Even when they are willing to give up their names, and move far away, they rarely are willing to change who they are. A bowler will still want t...
95). Finding Motivated Sellers
Motivated sellers? My wife and I were trying to keep the renters happy, the rent coming in and the house repaired - while living 2100 miles away. You bet I was motivated. We just sold our house last month, and even got a good price, but I'll tell you a secret. We would have sold the place for... well I don't want to stress out the buyer if he reads...
96). Finding Really Cheap Plane Tickets
To begin with, the best place to buy really cheap plane tickets is online. Travel agencies can't compete with discount ticket sites. Search Google ("c
97). Five More Unusual Ways To Make Money
There are a lot of ways to make money if you have money. You don't have to turn to complicated businesses or ordinary ways like bank C.D.'s. And you don't even have to use your money. If you have credit cards, for example, you can get cash advances, and make money with the cash. These are ways that aren't quite a business because you can do them on...
98). Fix And Flip - The Formula
Making money with a "fix and flip" property is a great way to make money in real estate. However, it isn't about repairing drywall and planting flowers. It's all about how you do the numbers.
People often buy and sell a fixer-upper without a definite plan. They buy a house, fix it up, then add $10,000 or $20,000 onto their costs. They ...
99). Fixer Upper Homes
You've bought a fixer upper home you can make some money on. Where do you start? What improvements and repairs are most important? Actually, you need to know this before you buy. Always start with the end in mind, and have a plan to get there. Whether before and after you buy, though, there are some simple rules for analyzing possible fixes.
...
100). Fixer Upper Homes - Are You Ready?
Fixer upper homes can be found in even the most expensive cites for much less than other homes. Even here in Tucson, where a small home will usually be over $200,000, an investor at our real estate investing club just told us he found one for $35,000. Before you get excited by the idea, though, here are the two most important questions you should a...
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