Hiring corporate bands, or bands who are experienced at entertaining for team building events of big corporations is always your best bet. Who wouldn’t want an experienced group of entertainers, who can read the audience, understand your corporate team building purpose, and create the necessary flow of activities to make that happen.Who will entertain for your corporate event? Thinking about corporate entertainment means defining the entertainment style you need:

Will there be dancing?

Should entertainers visit the tables?

Are people attending in the same general age group?

Will there be a variety of music styles?

Is there a common factor within those attending?

Decisions about who will entertain are dependent upon who is being entertained. Before you can select a band, cover group, music theme, or entertainer for your event, you really need to consider the dynamic of your corporate employees.Who will be entertained at your corporate event? While older audiences may prefer a jazz band, or big band era theme, a younger audience may be pleasantly surprised by the value of traditional selections. Is there a common denominator that can be applied to your group, the music entertainment, and the specific fundamentals of corporate entertainment?A popular solution for a varied audience is a big band era band or swing band with tribute artists who mingle among the employees for pictures, and a few on-spot performances. Perhaps your executive team would be impressed with Marilyn Monroe showing up to sing and dance? Or your tech team might be more impressed with Taylor Swift? By knowing the audience, you’ll know exactly the right entertainers to bring in for your team building corporate event.Who is planning your corporate entertainment? Having access to an entertainment event planner offers you a different sort of support, more than just a planner to decide on the menu. Your corporate bands appearance will be choreographed by a planner who understands all the options for musical entertainment. The best cover bands for your corporate event may not be the big band. Often, a selection of smaller entertainment options may be more effective.No matter what music you choose, the objective of creating a memorable – read unforgettable – corporate event should include atmosphere, theme, and how well branded the event is. Every event should be well branded with the corporate feel your employees should be taking away from the overall event.The question comes up at almost every planning session, but who will entertain through the dinner hour? Or after dinner? Or for the ‘fun parts’ of our team building event?

Your 401(k) plan (or 403(b) or 457 Plan for that matter) is likely managed by one of the following companies: Ameriprise Financial, Credit Suisse Securities, Deutsche Bank, Edward Jones, Graystone Consulting, J.P. Morgan, Merrill Lynch, Morgan Stanley, Oppenheimer & Co., Raymond James, RBC Wealth Management, UBS Financial Services, or Wells Fargo Advisors. These companies and their financial advisers control most of the retirement wealth in the United States.Now, ask your financial adviser if you can invest directly in real estate with your current plan. They will probably tell you that you cannot invest directly in real estate, but they have a number of Real Estate Investment Trusts (REITs) you can choose from. Even though a REIT has real estate in its name, it is not an investment in property. REIT is an investment in a fund that obtains its cash flow from investment properties. It is different from a direct investment in real estate.REITs do not typically let you leverage your investment, which is one of the most powerful forces for creating long-term wealth. Even with an investment in a REIT, your retirement portfolio is likely 70 percent or more invested in various mutual funds, all of which experience stock market volatility. That’s neither diversification nor smart asset allocation investing. The Internal Revenue Service will let you invest directly in real estate, but your plan administrator will not. Why? Because they’re not set up to handle the administration nor do they earn a commission by recommending direct investment in real estate.Let me give you an example: Say you have only one asset, $200,000 cash and no liabilities. You decide to invest $100,000 in mutual funds and $100,000 in direct real estate investments, both of which are appreciating at 6 percent per year. The only difference is that you can borrow additional money from a bank to buy more properties. You obtain a 20-year amortizing loan at 5 percent. To be conservative, you borrow only $300,000, so you have a 75 percent loan-to-value ratio. After 20 years, your mutual fund investment has increased to $320,714, while your real estate investment has increased to $1,282,854, an increase of $962,140 over the mutual fund investment. That’s a 300 percent increase in value with the same $100,000.What about the payment of the debt over the 20-year holding period? The mortgage has been paid off by your tenant who operates his business on your property. You get the tax benefits of depreciation and interest write offs, if you’ve invested personally. If you’ve invested your money through a Self-Directed 401(k), that money is growing tax-deferred or tax-free, depending on whether you have a Traditional or Roth account.You think this is unrealistic? The only unrealistic expectation is to think that your mutual fund accounts have appreciated at 6 percent. According to Dalbar, Inc., the average mutual fund investment has gone up on average of 3.27 percent over a 20-year period. The National Association of Realtors, on the other hand, reported that real estate has appreciated in value an average of 6 percent over the past 30 years, even with the downturn in the economy that occurred in 2008.If most financial advisors preclude you from investing directly in real estate, how do you invest in real property with your 401(k) account? The answer is, you don’t with your company 401(k) account. The only money you should be investing in your company 401(k) account is enough to get the full matching funds. For instance, if you are making $100,000 a year and your company offers a 4 percent match, you invest $4,000 in your company 401(k) to get the 4 percent match. They do a 100 percent match up to 4 percent of your income. Then you create a Solo or Individual 401(k) account with an administrator/custodian that handles Self-Directed Accounts and invest the rest of your retirement funds in that account up to the $51,000 contribution limit if you’re under 50 or $56,500 if you are 50 or older.So, if you contributed $4,000 to your company 401(k), and your employer matched it with another $4,000, you can contribute $43,000 to your new Self-Directed Solo 401(k) account. If you’re 50 or older, it would be $48,500. That amount can be invested each year for you and your spouse, if you have it set up properly. There are no income limits.Eligibility for a Solo 401(k) account requires two things: (1) the presence of a self-employment activity; and (2) the absence of full-time employees. So you set up a consulting business either as an S-Corporation or limited liability company (LLC) and pay yourself a salary, 100 percent of which can be contributed to your retirement fund. Then you invest in commercial, income-producing real estate investments. It’s that simple.

What type of adventures appeal to you? The kind where you push your body or your mind? Adventure travel is not one thing to all people. Some people would be thrilled and exhilarated to raft down a river in Colorado. For other people, that’s a regular weekend activity. Not too adventuresome at all. Those people might love to try hang gliding or sky diving, while for the former person, this is tantamount to committing suicide. Obviously, these people’s definitions of adventure travel vary greatly.That’s what’s so great about it, though. You can tailor-make a vacation to fit your wants and needs. You just have to know what you want, and where you want to go. Write up a list of the top ten or so things you want to experience in your life and that will get you started as you look through all the fabulous opportunities out there for adventure travel.If you want to really get outside your personal comfort zone, there are any number of adventure trips you can take that will do that. You can try bicycling along the Tour de France route or hiking fourteen miles in Colorado’s Rocky Mountains. How about zipping at 30 miles per hour on a wire line strung between two trees in the jungle, catching air on your snowboard in a Super pipe or white water rafting on the Colorado River through the Grand Canyon? Parasailing, riding in a bi-plane or piloting a fighter plane, and rock climbing up a sheer canyon side each provide different thrills too. If you’re out for thrills, think carefully about the extent of adventure you’ll really enjoy.Does this sound like too much adrenalin for you? Floating overhead in a hot air balloon while watching lions stalk prey on the plains below or walking through Cambodia’s Angkor Thom, where temple ruins nearly smothered by giant trees, are gentler styles of adventure travel. So is walking on trails through the Amazon jungle looking at parrots or catching sight of caimans (types of alligators) sleeping on the river banks at night. To the more laid-back person, this is about adventuresome as you can get.Adventurous trips are not necessarily something that puts your life at risk. They are travels that change you, enchant you and ensure memories for a lifetime. Some travelers go for the physical thrills and the opportunities that stretch a body’s physical capabilities to the utmost degree. Other travelers would rather use their minds, eyes, hearing and cameras to enhance their experiences.Each person’s definition of adventure travel is unique. What’s yours? Just don’t go on a trip that has activities that you would never participate in. Remember, what is adventuresome to you, might not be to someone else. If you’re still deciding, call up a few travel agents for ideas, or visit your local library for exotic places to visit and things to do. Scour the web for packages and deals, and before you know it, you’ll be having the time of your life, doing what you’ve always wanted to do.

A major theme throughout this text is that you can control many factors that influence your health. An outgrowth of this attitude is the self-care movement, which is the trend toward individuals taking increased responsibility for prevention or management of certain health conditions. Armed with correct information, you can manage many aspects of your health care that were once thought possible only with the help of a physician.Answers to the following questions provide clues to the use of health-care services, providers, and products and facilitate the self-care approach to wellness:When should you seek health care?What can you expect from a stay in the hospital?How can you select a health-care professional?When To Seek Health CareMany people tend to fall into two extreme groups regarding health care: those who seek health care for every ache and pain and those who avoid health care unless experiencing extreme pain. Both groups unwisely use the health-care establishment. Those in the first group fail to understand that too much health care can be ineffective or even harmful. They also fail to recognize the powerful recuperative powers of the body. An estimated 80% of patients who seek medical care are unaffected by treatment, 10% get better, and 9% experience an nitrogen condition in which they get worse because of the medical treatment. Those in the latter group fail to recognize the value of early diagnosis and detection of disease. This is especially true for men; 30% of men have not been to a doctor in a year or more, one-third have never had their cholesterol checked, and three fourths have not been checked for prostate cancer during the previous year.Perhaps the best way to find a balance between too much and too little health care is to establish a physician-patient relationship with a general practitioner. The general practitioner may be a family practice physician or an internist who specializes in internal medicine.It is important to visit your doctor while in good health. This permits your doctor to serve as a facilitator of wellness and provides a benchmark for interpreting symptoms when they occur.A second important way to balance health care is to trust your instincts. Nobody knows when some thing is wrong with your body better than you do. Health and illness are subject to a wide variation in interpretation. If you are attuned to your body, you are your own best expert for recognizing signs and symptoms of illness.Several signs and symptoms warrant medical attention without question. Internal bleeding, such as blood in urine, bowel movement, sputum, or vomit, or blood from any of the body’s openings requires immediate attention. Abdominal pain, especially when it is associated with nausea, may indicate a wide range of problems from appendicitis to pelvic inflammatory disease and requires the diagnostic expertise of a physician. A stiff neck when accompanied by a fever may suggest meningitis and justifies immediate medical intervention. Injuries, many first aid emergencies, and severe disabling symptoms require prompt medical care.There is debate as to when medical care is needed in the case of fever. An elevated temperature may be a sign that the body’s immune system is responding to an infection and working to destroy pathogens, or disease-producing organisms. On the other hand, if left untreated for an extended time, a fever may cause harm to sensitive tissues in the body, such as connective tissue found in joints and tissues in the valves of the heart.The normal body temperature of 98.6° F was studied at the University of Maryland. Findings involving 700 temperature readings of 148 adults over a 3-day period suggest that the normal body temperature is 98.9° F. The study attributed the difference to less accurate techniques when the earlier standard of 98.6° F was established. Body temperature varies with exercise, rest, climate, and gender. Fever means a reading over 99° F. It is not usually necessary for an adult to seek medical care for a fever. Home treatment in the form of aspirin, acetaminophen, and sponge baths usually lowers fever. You should consult your physician if fever remains above 102 0 F despite your actions or, in the case of a low-grade fever (99 0 to 100 0 F), if there is no improvement in 72 hours. You should consult a physician if fever lasts more than 5 days, regardless of improvement. Symptoms, such as sore throat, ear pain, diarrhea, urinary problems, and skin rash, may be the cause of the fever and should be treated as such. Fever in young children should be discussed with a physician.