Ebook Sample Content Preview:

I know it sounds hard to believe and in today’s economy it is difficult to fathom that people put billions of dollars in banks and other institutions and then forget that they put it there. But it is true, they do. I know you and I would have a hard time doing that. But our financial condition is most likely different from many of these who do theirs. But again, the truth is that it happens all the time. Your goal as a finder is to contact the owners of this unclaimed money and collect a fee for your services. There are other finders doing just that and are making a hefty profit every year.

I’m going to intervene here and make this statement. It takes work to reap the rewards this opportunity offers. It is not difficult work but it is work. Efforts in the form or research, phone calls, sending letters and follow up are essential.

All fifty United States and its territories have some form of unclaimed property office that has the sole responsibility of collecting and returning unclaimed money back to its rightful owner. In many cases the unclaimed property office is a division of the states treasury department. Every state has different laws and policies regarding the handling of unclaimed money.

Let take a look at how the process of how money and other property is left unclaimed. A person, due to neglect, forgetfulness or death will leave behind money in a bank, with a landlord, with a utility company, a retail store, or other institutions that require funds be placed on deposit. These institution, whether it be a bank, insurance company, business (retirement fund), government office, or even a security company, after the money has gone unclaimed for a specific period of time must report unclaimed money to the state. If the unclaimed money is not claimed by the owner in a specified period of time (the amount of time varies from state to state; in California it is five to seven years, depending on the institution), this money must be turned over to the state treasury department.

Ebook Sample Content Preview:

Layers are used in Photoshop images. The background layer is usually the only layer that each image has. You can use layers during the image editing process. They can also be used for special effects.

If you make a copy of a layer and then decide to change it, you will have the first layer as a backup. You would make changes or adjustments to the copy of the layer. Another thing that you can do with layers is put images together by using different content.

With the exception of adjustment layers, for the most part, layers are required to have quite a bit of memory. The larger files from Photoshop usually contain a lot of layers. To use the layers, go to the Layers palette from the Window menu.

In the first column of the palette, you will see some layers on the computer screen. You will be able to identify them by the eye icon. Even though you will be able to see the layer, it may not be totally transparent.

This means that you will be able to see any layers that are under the initial one. You will notice the transparency when you see a checkerboard pattern. There may be times when you will have to or want to change the visibility of a layer.

If you decide to edit the layer, whatever you change will also affect the newest layer. If you want to use another name for the layer, click on the layer’s name twice and type the new name. If you want another layer to be the new layer, choose that layer in the palette.

If you want to create a new layer, use the icon for creating a new layer in the Layer palette. Or you can create a new layer by moving the previous layer to the icon for the new layer.

If you want to get rid of a layer, use the trash icon. Or you can move the layer to the trash icon.

If you don’t want to make changes or adjustments to a layer, use one of the Lock boxes. These are located at the top of the Layers palette. In the Lock boxes area, you have commands and components such as lock pixels, lock layer position, lock transparent areas and lock all.

Ebook Sample Content Preview:

Goal setting is important for many reasons. When you set goals you can see forward progress, you have something to look forward to, and they help create ambition. You must set goals in order to achieve them.

When you set goals the best thing you can do is attach a date on different milestones. Take a specific goal of your passion and attach a completion date to it. Upon a completion date, you will then break down your goal into many steps to get you there. Each of these steps are milestones. You might consider putting a date on each milestone based upon how long they will take you to get to. These might be estimated dates and you might be off by a day or two. However, one milestone may be accomplished quicker than another so it can put you back on track.

Working by using a goal method gives you something to look forward to. The best thing you can do is reward yourself at the end of each goal or you may be seeing the reward as you are getting closer to your passion actually happening. When you are working toward a completion date you are more likely to work on the goal rather than say I plan on getting it done eventually. A date makes the goal more real.

Goals with milestones allow you to see the forward progress you are making toward achieving your goal. You might consider making a chart with the dates and step attached to it. Break down each step with tasks you need to complete and things that need to be done. As you reach each milestone you will be closer to reaching your goal.

The closer you get to achieve your true passion the more ambition you will have to live out the dream and make it happen. If you need to brush up on your skills first then take a few classes. These classes will be a part of your milestones and steps to get to where you want to get to. As you complete each one then you will have completed a milestone and closer.

If your goals include steps that are very difficult to do and require a lot of hard work on your part do not be afraid to reward yourself for getting to where you are in your project. Buy a bottle of wine and take the night off and celebrate for reaching a goal. Do something to treat yourself for your hard work. You deserve it and you are worth it.

Any project you decide to tackle or endeavor you want to achieve you need to design it as a goal with a breakdown of the steps to get to the goal. This will make the goal look so much easier to get to and you will work harder to achieve it. In addition, you have a way to measure just how close you are to actually making it happen in your life what you have always dreamed of.

Ebook Sample Content Preview:

Driving at a smart speed is very important. Experts take years to develop their skills of knowing when to slow down and when to speed up and what the best speed is. There are many considerations to think about when it comes to speed.

States have different rules for speed on a lake or waterway. If you are on the ocean and far out in the water you can ride your boat fast and safely. However, always use common sense when you are driving your boat.

You should consider the visibility when you are on a boat. If you cannot see ten feet in front of you then you won’t be able to stop in time if you are going 30mph. Foggy conditions mean you will be driving slowly or barely crawling and using fog sound signals every two minutes.

Know your location and any hazards. If you are in a new place you might want to drive around the area at least once before you begin your fun. See if there are any fishermen or other boaters. Make sure that when you go up to high speeds there are not any hazards that can cause you danger.

Pay attention to the winds and the weather. You should know the rules of the waters and where you are. If you see any boaters in danger or that need assistance it is law that you stop and help them. This could be a dead battery or a life threatening event. It is your duty as a boater to help them.

When you are around jet skiers, water skiers, other boaters and swimmers you need to drive with caution. When you drive in a highly packed area of other boats you need to drive slowly. It is dangerous to drive at high speeds when there is a lot of traffic in the water. You are responsible for anything you cause with your wake so remember this.