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Are you looking for someone who can help you find a place where you can keep all the things you don’t need yet safely? And do you want this place to be as near to your house or condo as possible? Well if that’s the case, I suggest you go to selfstorageowner.com the soonest possible time. This is because as the name says it, Self Storage Owner is the one of the biggest and most popular names in the industry today. The website is also the perfect venue to find the owner of a location you want to rent or buy for your properties. Or if you are a self storage unit owner, this is the perfect place to advertise your storage places to the thousands of people looking for spaces where they can securely and safely place their hard earned properties.

This is possible because the online company is where Self Storage Owners meet, negotiate and even close a deal with their Self Storage Customers. In this way, the owner can personally talk to the customer about the terms and conditions he or she has with regards the usage of his or her storage units in the same way that the customer can easily understand these things before he or she enters it. Sounds great right? And because Self Storage Owners have wide ranges of contacts scattered all throughout the nation, the long listings of the probable places where you can store your bulky properties such as cars, boats and furniture for the mean time can assure you that there’s one perfectly situated near you and can meet your needs. In other words, thanks to their long list of storage unit locations that may even reach the farthest points of the nation, it is next to impossible that you can’t find the one for you.

But helping people to have an additional space where they can store their properties is not the only thing that Self Storage Owners do. And their collection of blog postings and articles containing different kinds of information about the kind of world that Self Storage Owners have and many more can attest to this. You see, aside from helping their customers find a storage unit location, they also help their storage owners to have a business out of this. And the way they help their owner members do this is quite simple. All they have to do is to look for places which can be an asset when turned into storage unit locations. After which they have to compile these in a list and submit it to them for posting and viewing on their website at http://www.selfstorageowner.com where they’ll be the ones to do the advertising and marketing.

English Language Learners Welcome

Whether your learners come from a reading-based culture or not, you should have them become familiar with written English. There are a number of authors whose works your English language learners would welcome, believe it or not. The first in some cases though, is to have the EFL teacher become familiar with English language authors and with how their works might be utilized in class.

Here are Seven English language Writers to Start You Off

• William Shakespeare

The second most-quoted works in the English language are those of this English-born playwright from the 16th century. Use a scene from one of the better-known plays like "Romeo and Juliet", "Hamlet" or the perennial favorite of many, "MacBeth". Either of the two scenes with the three witches can be easily dramatized for even greater impact.

• Theodore Seuss Geissel

More commonly known as "Dr. Seuss", his works for children are still growing in popularity. Several are animated films and a couple of others, like "Horton Hears a Who" and "How the Grinch Stole Christmas" are full length feature films.

• The Holy Bible

No matter what region of the world you might be from, your first language or religious beliefs, the Holy Bible is recognized as a historic, prophetic work and book of Supreme wisdom. It is the world’s most-quoted book by far. Almost every knows at least a few passages from the Bible and perhaps parents could input their favorites to your EFL learners.

• Edgar Allen Poe

If your learners like horror and suspense stories, then this is the author for them. Considered to be the "inventor" of the short story writing format, Poe’s works, wholly or in part, have also been made into plays, dramas and movies many times over. Which one of his chilling tales is your favorite?

• Ernest Hemingway

If you haven’t heard of Hemingway then you’ve obviously been living on the moon.
"The Old Man and the Sea" is but one perennial favorite. When American English speakers talk about writing, he is their prime shining example.

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Whether it’s a mortgage, car loan, student loan, credit card, or medical bills, you probably have some amount of debt in your life. It is only natural that you want to pay it off as soon as possible, but what do you payoff first and how do you plan for investing?

Since the amount you can pay towards these items is predicated by your income level, a decision normally has to be made between investing and paying off your debt.

What should you do? The answer depends on two variables:

1. The rate of after-tax interest you are paying on your debt
2. The after-tax rate of return you expect to earn on your investments

Before you answer the first question, you must understand that there are two different kinds of debt. On one end of the spectrum is high-interest credit card debt that originates from things such as credit cards and department store charge accounts. This type is the deadliest and generally should be avoided unless absolutely necessary.

The second type of debt is the lower interest variety; your mortgage, student loans, etc. Often, the interest on these types is partially or wholly tax-deductible, making it even more attractive.

With that in mind, the answer to the debt reduction vs. investing problem can be solved with this one statement: If you can earn a higher after-tax return on your investments than the after-tax interest rate expense on your debt, you should invest. Otherwise, you should pay off your balance.

Example of Debt Reduction vs. Investing - Calculation

Scenario 1
Assume you have a thirty year, $150,000 mortgage with a six percent rate. Also assume you are in the 25% tax bracket. Due to the itemized deduction of mortgage interest, your after tax annual percentage rate is really 4.02% (not the 6.00% you are paying).

Hence, if you expect to earn an after-tax return higher than 4.02% on your investments (odds are substantial you will if you have a long-term horizon), then you should invest.

Scenario 2
You have a $10,000 balance on a credit card with a 22% annual percentage rate. Credit card interest expense is not tax deductible, meaning you should only invest if you think you can earn a 22% after tax return on your investments.

Given that the historical long-term return on equities has been somewhere around 11-12%, this seems highly unlikely. In this case, it would be foolish to invest.

The Bottom Line

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