Financial Planning (Only Necessary If You Are Still Breathing)

If you, like most people, have not seriously considered what steps you should take for planning your finances and are now planning on buying a house, getting married or having children, you will do well to read David Chilton’s book ‘The Wealthy Barber’.

It will not matter if you have never heard of a mutual fund or even balanced your checkbook. If dry financial reading is not up your alley, you will STILL find ‘the Wealthy Barber’ easy reading. It will have you fluent in financial planning in weeks.

The key to David Chilton’s success with his book is that it is written as a story, rather than a manual. You follow three 30ish individuals as they build their financial houses from scratch. They get their information from one of the most knowledgeable and financially secure individuals in town – the barber.

The gem of this story lies in the fact that the barber shows how income is not the biggest factor in planning for financial prosperity – proper planning is. And you can have your own finances in order by reading and applying the tasks he assigns his ‘students’ while they visit for their monthly trim.

‘The Wealthy Barber’ has been favorably commented on by newspapers and financial reviewers because it does not stress budget or a reduced standard of living. It is these steps which often sabotage the best intentions of individuals. The sooner the methods are applied, the easier it will be to see their effects while maintaining your lifestyle, but it is always better to start now than not start at all.

‘The Globe and Mail’ calls ‘The Wealthy Barber’ “…a perfect gift for young couples trying to live comfortably and save money in an increasingly tough world”. Is that not a gift worth receiving?

‘The Wealthy Barber’ will show you how to plan for your retirement, save for large purchases or future needs, invest, protect your family and avoid being victimized by financial blunders by exposing some financial products and services which you may not need, but are sure to be sold.

Although the story is set in a Canadian town, the general methods and training provide a valuable education in personal financial planning.

Having a clear understanding of your financial situation and preparing a plan is no longer a mystery. Although some decisions require the guidance of an expert, arming yourself with the right questions and basic knowledge will ensure your best financial outcome.

In today’s world financial education is often sorely lacking. Taking steps to educate yourself, and pass that education on to your children will protect your family and provide an abundance whether you are current millionaires or not.

The Top 10 Model Train Shops In North Carolina And South Carolina

For the past year I’ve been compiling a list of model train stores for my model railroading website. These shops all look like a lot of fun to visit, but what are the most popular? Here is a list for the states of North Carolina and South Carolina.

The most popular model railroading shops (based on online chatter) in North Carolina and South Carolina are:

10. The Hobby House in Hendersonville, North Carolina

9. Todd’s Train Depot in Wendell, North Carolina

8. Little Choo Choo Shop in Spencer, North Carolina

7. Rail and Spike Trains in Easley, South Carolina

6. The Train Loft in Winston Salem, North Carolina

5. Factory Direct Trains in Asheville, North Carolina

4. Blue Ridge Hobbies in Greenville, South Carolina

3. Time Zone Hobbies and Toys in Aiken, South Carolina

2. Tom’s Train Station in Raleigh, North Carolina

…and the most popular shop for model trains in North Carolina or South Carolina is…

1. Greensboro Electric Trains in Greensboro, North Carolina

Hobby shops not quite making my top 10 were ABC RC Hobby in Forest City, North Carolina; Chuck’s Trains in Landis, North Carolina; Dry Bridge Station in Mount Airy, North Carolina; Hayes Hobby House in Fayetteville, North Carolina; Leland’s Toy Trains and Planes in Hildebran, North Carolina; Zoo Toys and Trains in Wilmington, North Carolina; Hobby Station in Bethune, South Carolina; New Brookland RR and Hobby in West Columbia, South Carolina; SVC Trains in Georgetown, South Carolina; and The Great Escape Bicycles and Hobby Shop in Spartanburg, Anderson, and Greenville, South Carolina;

So, there are clearly many great model railroading shops all over North Carolina and South Carolina, with North Carolina having seven in the top ten and South Carolina having three – but both states had two in the top four.

When in North Carolina and South Carolina be sure to visit some of the excellent railroading museums including North Carolina Railroad Museum in New Hill, North Carolina; North Carolina Transportation Museum in Spencer, North Carolina; Smoky Mountain Trains in Bryson City, North Carolina, Wilmington Railroad Museum in Wilmington, North Carolina; Lancaster and Chester Railway Museum in Lancaster, South Carolina; and South Carolina Railroad Museum in Winnsboro, South Carolina.

I compiled this list by searching for the hobby shops listed on a number of search engines and ranking them by the number of web pages, discussion forums, photos, videos, etc that are available online. I further screened this list to include only pages that mentioned model railroading.

Check Pnr Status Indian Railways Online For Any Train And Routes Which Is Prompt And Easy.

PNR is the full form of Passenger Name Record which is very vital of keeping database of passengers for various trains. This database is uploaded on the website instantly. Today with this online ticket checking system one can check status of his application. So if you have applied for reservation of a seat in any train, train pnr enquiry can provide all of the necessary information. You have the options to know about as to whether your ticket has been confirmed or it is still in waiting. This also gets you information of whether RAC has been confirmed or it is yet to be processed. One can also get information of whether the ticket has been upgraded. One can also check train pnr status using SMS service offered by the company. For the purpose providing PNR status through mobile Railways has provided no 5676747. One can send ten digit pnr numbers at this number. Soon after sending the message one receives the message in mobile providing the status of the ticket. However if you are user of BSNL or MTNL service then you can send your 10 digit PNR number to 139. You will get status of your ticket purchased in your mobile.

Apart from official website of Indian Railways there are web portals of travel and tour operators which provide facility of checking train status through PNR. IRCTC has also provided for tracking PNR status at its official portal. You can check status of your purchased ticket in just a click at its portal. Process of checking PNR status is very simple for which there is specific software. In that software one just has to enter ten-digit PNR followed by clicking on Submit button. Status of the train ticket hardly takes 2 or 3 seconds in most of the cases. For pnr status indian railways you can also use alternate options like mobile, landline enquiry numbers. Finding status of seat reservation or cancellation is now much easier with online facility being provided by various traveling portals including that of Indian Railways, Make My Trip, Zoomtra etc. However besides all of the above service of finding PNR status one can also get status of the train ticket at the station counter. By entering PNR digits, which are printed on at left corner of ticket, in the software provided for one gets status of the ticket immediately. Soon status of the ticket is displayed it is recommended that you take a print out of that status. This may be required by the railways authority.