We own our house fully No mortgage value approx $550k. We are thinking that we like to retire early to near the beach. Currently we found nice Homes with land in that area for $175k. Is it better to get a home equity for the full cost of the Beach home plus any other small debit (approx $75k 2 cars and a timeshare) or continue to pay on the individual debits and add a Mortgage for the Beach house?
The ultimate goal would be to get settled into the 2nd home and then sell the current home pay off the balance and then put the rest in an investment with monthly dividends to use as retirement income until we reach retirement age and also maybe get a parttime job.

I am a mtg broker. I would do a fixed HELOC and combine all your debt into it. If you pay all your debt separate, you are paying interest on the cars, credit cards, etc which are NOT tax deductible. Your mtg debt is.

Congrats on having your home free and clear!

There is always further reading about Niche Blueprint 2 here.

Is there any difference between flower arrangement and gardening?There are various types of gardening these days-gardening, terrace Gardening & indoor gardening? Does indoor gardening differ from flower arrangement?

Yes, there is a difference.

Gardening has to do with growing living plants (flowering or not) – and the venue doesn’t much matter. traditional (outside in the ground), in containers, terrace, indoor…it can all be called "gardening".

Flower arrangement has to do with assembling cut flowers into pleasing displays. They are not growing – they’ve been cut.

There is always further reading about Niche Blueprint 2 here.

Personal finance software helps you balance your checkbook and manange your finances. What is the name of a popular personal Finance program?

what is wrong with a pen and paper works real great if the electric goes off!!!

There is always further reading about Niche Blueprint 2 here.

I want to major in environmental engineering but the school i want to go to only has Environmental engineering science listed as a major close to what i want. What is the difference?

Engineering is an occupation or profession, whereas engineering Science is the structured body of knowledge upon which that profession is built. So for practical and especially for Educational considerations, they are essentially at least very close, if not practically the same.

There is always further reading about Niche Blueprint 2 here.

I want to get $20,000 business loan to extend my small business. I have never taken serious to write a business plan for my Business, and I don’t like play the words or numbers, but my business do have some profit. Would I get a loan if I have no a qualified business plan? Please help.

Business plans are VERY important. You definitely have to put a lot of thought and time in constructing one. Put yourself in the lender’s situation – if some random guy came up to you with no clear plan, why on earth would you give him $20k?

If you are sure that you’ll make a or are already making a profit, spell it out for them. Show them how you’ve flourished and how you expect to grow in the future with this money. Obviously you don’t have to know every specific detail going into the distant future, since no one can predict what will happen with your business, but at least develop likely scenarios so you’ll be prepared for anything.

Good luck!

There is always further reading about Niche Blueprint 2 here.

it’s like… not only do i not really know how to cook… i feel like the planning and shopping is hard to figure out / balance out too. and finding time for it all.
how did you guys start out Cooking/menu planning?

KIS…Keep it simple. It depends on how many you are cooking for but start out by going to a cooking site and finding some easy recipes. Find 7 of them…one for each day and write the ingredients on a piece of paper and use it as a shopping list for your weeks groceries. Make sure you dont double up on things…if one recipe uses 2 eggs and another uses 1 and another uses 4 dont go buying 3 dozen eggs. Just buy 1 dozen and use what you need. Once you learn how to make a few meals this way you can start to modify the recipes by adding or taking away things you like or dislike. For example if you are making a stew you might like to add mushrooms but you might not like carrots very much so you can leave them out. After a while you build up a repertoire of things you can cook and it’s not so hard to figure out what to buy at the supermarket because it is all in your head.

There is always further reading about Niche Blueprint 2 here.

I just don’t see why it matter that much.
I like to look nice and get something cute but not designer stuff. We kill animals to look good. We spend 300 dollars on a pair of jeans when you can get perfectly good ones for 60 and have 240 left over. 240 is breakfast, lunch and dinner if you use it right. You could save lives with that 240! INSTEAD you use it for a pair of jeans. So why does it matter if you look good or not. People will think your pretty? So people will be attracted. If someone loves you its the inside that counts. I really don’t get it. But since about 99.9 percent of people think its more important than saving a life, it must be important. Can someone explain why?

honestly i love Fashion i think its a good way to express myself. I was raised to not waste money on stupid things so ive always tried to look good without spending TOO much money I mean i think 60 dollars can still be a little expensive i have gorgeous skinny jeans for like 35 bucks.
Anyways it is important to me cause i want to look good and project confidence but the way i do it its a matter of getting dresses. ( practically the only designer stuff i have are my fave ed hardy shoes which were 150 bucks but i spent like 4 years trying to get enough money for them so i treated myself)

There is always further reading about Niche Blueprint 2 here.

The FAFSA application ask for my parents Education level? In the instructions it says some states offer aid based on eduction level of parents. Does California use this factor? Is it better to have parents with education or without education?

Tell the truth!! Then it won’t matter one way or the other.

There is always further reading about Niche Blueprint 2 here.

My cat Lionel is ten years old and still active. However he has had reoccurring urinary tract problems. I recently took him to the vet and they gave me a cat Food (Prescription Diet C/D) which Lionel is supposed to eat for the rest of his life. (It has low magnesium).

My problem is that the food is very expensive and I have to go to the vet everytime to get it.

Is there another kind of dry cat food that is available? I heard that Nutro is a good brand. Also, I would like suggestions on any alternatives beside the dry food.

I can ask my vet these questions but I would like to have a 2nd (and 3rd, 4th etc) opinions from Yahoo answers.
Any advice would be appreciated. Thanks!

Welcome to the world of urinary problems in cats. My cat just had a stone the size of a nickel removed so I know what you are going through….I hope. Anyway my doctor also gave me c/d for him but she also said that since it is sooooo expensive that I could give him purina urinary tract Health for it and that would be ok. I hope this answers your question but I do know that for sure. As for other kinds I hope to read your answer and see what you are going to do.

There is always further reading about Niche Blueprint 2 here.

In a question, someone answered that if we were able to travel the speed of light, then we could somehow achieve time travel. How would this happen?

Also, how could we make time travel possible? Is there some formula to it? I think time travel is a really awesome concept, and I want to learn more about it.

SpaceTime is the 4th Dimension
The faster you travel through it the faster time passes by.
Curving spacetime causes time to slow down
Earths mass effecting spacetime causing a curve
http://upload.wikimedia.org/wikipedia/commons/2/22/Spacetime_curvature.png
But in reality it is 4D so the curve is more like this:
http://img506.imageshack.us/img506/5015/spacetimelu3.jpg

The time in empty space Travels faster than time on Earth due to Earth causing a curve in spacetime

Its like this the curve means more space for something to travel across ie time where as a smooth spacetime takes less space for something to travel across like someone running across a valley while another runs across a flat surface.
Traveling faster is like running faster than someone else you will get to the finish line before them ie travel faster in space youll be in the future before the time you would if you went slower.

There is always further reading about Niche Blueprint 2 here.