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  • I’m Afraid My Husband Has Moved On And That It’s Too Late To Get Him Back: Insights That Might Help

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    I often hear from wives who want to know when it’s too late to get their husband back. Some tell me that, in their minds, it is too late because their husband has seemed to “move on.” I often hear comments like “We’ve been separated for six months. I think my husband has started seeing someone else. I’m starting to think that this is the end and that it’s too late for us. If someone has moved on, does that mean the end of the marriage?”

    Another example is something like: “My husband keeps telling me that we’re over and that it’s too late to do anything to save this marriage. Yesterday, he told me that he was moving on and that I should do the same thing. But I’m not sure how I can do this when it’s never going to be over for me. What can I do?”

    The common denominator in all of these questions and comments is that what the person asking really wants to know is when is it too late to save your marriage. Do you reach that “too late” point when your spouse tells you they have moved on? Do you have to take their word for it?

    Of course, I can’t definitively answer these questions for anyone because the answer depends on the specific people involved and the situation that they are in. But, I can offer you a perspective from my experiences and observations, which I’ll do in the following article.

    Sometimes, Couples Do Reconcile After One Of Them Has “Moved On”: If there’s anything that I know for sure in this situation, it’s that it is possible for things to change. Feelings change. Perceptions change. Situations change also. Just because someone is proclaiming or insisting something today, this doesn’t mean that they can’t do a complete about face tomorrow.

    I have seen divorced couples reconcile. I’ve seen couples who have been remarried to other people (sometimes for decent periods of time) decide to get back together. This doesn’t happen in every case, of course. But it most certainly can happen. Sometimes, there’s a change in circumstances which bring about a change of feelings. Other times, it happens spontaneously. But, much of the time, it’s part of a master plan meant to bring about small, gradual, and yet dramatic changes.

    Why Hanging On Too Tightly Can Sometimes Backfire: Wives in this situation often tell me that they just can not accept that it’s over or that he has moved on. I do understand this as I was in these shoes and I know how frustrating and painful this whole process can be. However, I can also tell you that I hear from husbands in this situation too and it’s my experience and opinion that clinging too tightly or “refusing” to accept what he’s telling you will often make him feel less loving or receptive toward you rather than more so.

    I know that it can be difficult to take step back or to pause when you’re so afraid that the second you do, he really will be gone. But sometimes, you just have to ask yourself if clinging so tightly has been working for you. Take a long look to see if your previous methods have really gained you anything.

    Sometimes, if you are honest and can maintain a little distance, you can see that actually, you’ve only been making things worse. It’s really important to ask yourself if the attempts you’ve been making have been bringing him closer to you or improving things or if they’ve been pushing him further away and deteriorating things. If this is the case, sometimes, you come to realize that trying something new isn’t as risky as it may have first appeared.

    Backing Off Or Taking Pause Is Not The Same As your Moving On: I sometimes have wives tell me things like: “maybe he’s moved on, but I will never be able to. I just can’t give up on our marriage or let go no matter what he says.” Another example is: “his moving on doesn’t mean that I have to.” All of these points are valid, but nothing says that you have to broadcast this to him. Because, when you’re asserting that you are absolutely not going to move on, then sometimes he will come to oppose you even more and think that he needs to ratchet up his efforts to change your mind. This of course, makes him move further away from you.

    So, there are times when you are better off just telling yourself that, although you know full well how you feel, you’re no longer going to keep repeating this to him when he already knows it anyway. There’s nothing wrong with appearing to back off when you know all along that your plan is to gain some ground. And, sometimes you need a pause to gain some perspective and calm.

    Taking time for yourself and taking a break from all of the drama can sometimes actually improve the situation. And sometimes, when you are suddenly silent or absent, your husband suddenly becomes interested again. This is what happened in my case, although it wasn’t by design.

    No matter which way you chose to go, it’s my experience that you are almost always better off if you are able to maintain your respect and dignity. You want to portray yourself in the strongest way possible and this often requires you to act “as if” when you just aren’t feeling it or aren’t all that confident. Sometimes, it helps to remember the person your husband loved once upon a time and to show him that person when the opportunity genuinely presents itself.

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    Source by Leslie Cane

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  • Stopping Employee Theft in Your Coffee Business

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    Regardless to how good of an employer you are, and even if you treat your employees well, understand that employee theft is a reality, and you need to control it. While it may only be a very small percentage of your staff that might steal from you, it can have a significant financial impact on your coffee business. If it goes unnoticed, employees will usually become even more brazen in their activities.

    When it comes to theft, your employees are likely to fall into one of the following four categories:

    Mr./Ms. honest – these are people who would never think of taking anything if it doesn’t belong to them. If they happen to go home with one of your ballpoint pens, they’ll bring it back the next day, and feel guilty that they took it home, even though it was unintentional.

    Incidental theft – these are people that will take home your pen by accident, and will keep it. And, they may scarf a piece of cheesecake occasionally when you aren’t looking, even though they know they shouldn’t. Because these items have minimal value, they have no great sense of guilt related to their activities.

    Theft because of need and opportunity – this is when you have an employee who is perhaps living on the edge financially, and because they have the need, and because your security may be lax, they’ll take advantage of an opportune situation to take something.

    Compulsive theft – this is the person who is always looking for something to steal, and they have absolutely no conscience about it. They typically rationalize the theft in their own mind. They consider you to be the rich, fat cat, and feel that they are over worked and under paid, so stealing from you is justified.

    Employee theft probably exists to some extent within your operation, whether you are aware of it or not. You can most likely live with incidental theft, provided it doesn’t get out of control. Theft related to need and opportunity is, in reality, your fault. These people would probably not steal from you normally, but a lack of security procedures has created the temptation and means for them to do so. Compulsive theft must be discovered, stopped, and you must eliminate the person(s) responsible.

    Losing product due to theft:

    Your employees may have no desire or need for a sleeve of 12oz. paper cups, Java Jackets, or a roll of toilet paper… but they might like a frozen cake, gallon of chocolate sauce, 6-pack of beer, or a bottle of wine.

    There are some simple things you can do to greatly reduce the chance of being ripped-off. First, don’t allow your employees to store their jackets, backpacks, and purses near where you store products. This makes it incredibly simple for someone to slide something into their bag or jacket pocket when no one is watching. I always had my employees store their personal belongings in the cabinet under the cash register (where someone would always be watching), or in my office, under lock & and key.

    Second, keep the back door of your store locked with a key at all times (you or your supervisor being the only ones having a key). If customers regularly enter through your back door, this may not be an option. If your back door is an emergency fire exit (and it probably is), you’ll need to install an alarmed breaker-bar. The whole point is that you don’t want your employees to be able to flow in and out of the back door without you knowing about it. Carrying product out the back door to their car, a hiding place for later pick-up, or an awaiting friend, is one of the most common ways products will exit your store.

    Once you have made it more difficult to stash things in their personal belongings, or carry them out the back door, employees may resort to hiding items in the trashcan. Of course you will unlock the back door to let them take out the trash. If they have hidden something in the trashcan, a dumpster-diving expedition will certainly be planned for after-hours to recover their treasure.

    Periodic trashcan checks should eliminate this problem, or make it a far less appealing option to anyone considering this method to smuggle things out of your store. Buy a long handle 3-prong garden rake. When employees ask to take out the trash, accompany them, and have them hold the can up on the edge of the dumpster while you rake out the trashcan contents. What you are looking for are things that might have been hidden in the trash, but you can tell your employees that you are merely making sure that small wares aren’t being accidentally thrown away. During the 15-years I owned and managed restaurants, I discovered everything from six-packs of beer, bottles of wine, and packages of steaks hidden in the trash!

    Another situation that will create an ideal opportunity for employees to steal from you is having only one person working in your store. If your baker comes in each morning a hour before you or the next employee, or if one person is left to clean and lock-up the place at the end of the day, opportunities for theft abound. As the old saying goes: when the cat’s away…

    Always try to have at least two people in your store at all times. If there is not justification for having a second employee on the clock, then you will need to be that second person. If this requires you going from a 60-hour workweek to 80-hours, then this may not be a tolerable option. If this is the case, then at least invest a couple of hours more each day for a week or two to do some detective work.

    During those times of day when only one employee is working, park at the far end of the parking lot, or across the street, so that you will reduce the chance of being noticed by your employee. If they are familiar with your vehicle, use your spouse’s or friend’s vehicle for a few days. Watch carefully (with binoculars if necessary). I know this all sounds a little CSI – like, but better to rest-easy, feeling fairly assured that your employee isn’t carrying away your store when you’re not watching. If I had the time, I could tell you countless stories of my experiences in catching employees red handed, loading the trunks of their cars.

    If you suspect that theft of product might be occurring, but you’ve seen no direct evidence of it, then conducting a daily key item inventory may shed some light on the situation. Write down a list of 15 to 20 products that you think would be most appealing for someone to steal. In your coffee business, this might include items such as coffee, syrups and sauces, smoothie puree, biscotti, cookies, and desserts, sandwich meats & cheeses, and of course beer & wine (if you serve those from your operation). Then take an inventory of these items every day. Your employees don’t need to know what you are doing, and if they ask, simply tell them you are taking an inventory for ordering purposes.

    What you are looking for are anomalies in usage. For example, let’s say that from your daily inventories you assess that you use about half a gallon of chocolate sauce per day. Then, one day you notice you used 1 1/2 gallons of chocolate the previous day. This should send up a red flag! Why did you go through an extra gallon of chocolate? Were you significantly busier yesterday, or did you featuring several drink specials which contained chocolate sauce? A quick review of individual item sales from yesterday’s cash register report should provide you with the answer. If you average one ounce of chocolate per beverage, then using 1 1/2 gallons means you should have sold approximately 192 beverages containing chocolate (128 oz. per gal. x 1.5 = 192). If this was the case, no problem. But, if you discover that you only sold 64 beverages containing chocolate, then 128 oz. (or 1 gallon) is unaccounted for and missing! A good indication that it probably walked out the door. If this happens, keep track of who was working on the day of the shortage. If this happens continually, eventually you will discover that the same person or persons were working every time.

    Theft of money by employees:

    Hopefully, none of your employees will have the desire to steal products from you, but some will be tempted by the lure of cold, hard, cash. Everyone could use an extra $20 a day. Employees who steal money from you will definitely hurt your bottom line, and must be eliminated.

    The first way to reduce cash theft is to have a cash handling policy in place that will discourage theft. If multiple employees are using the cash register, and no one person is responsible, then I can almost guarantee that your cash drawer will keep coming up short on a regular basis. The fact that no one person can be held responsible for the shortages, will make grabbing a bill or two easy and appealing.

    Implement a policy that one, and only one person is responsible for the cash register for the entire shift. They should count the drawer at the beginning of their shift to verify that they are starting with the designated change bank. Then, they should be the only person to ring up sales and make change. Even you, the owner/manger, should keep your hands out of their cash drawer. Finally, at the end of their shift, they should set aside the amount they started with in the change drawer, and total all the remaining cash, checks, and charges, and balance against what was rung up on the register. If they started with the right amount of money in the cash drawer, rang everything up, took all the money, counted back all the change, and they end up short… who’s fault is it? It can only be theirs. By implementing this simple policy, I once took an operation that was coming up $100 a day ($3,000 a month) cash short, and reduced it to $3 a day, in just 30 days! That’s over a $2,900 bottom line improvement, (in case you didn’t do the math)!

    The other common method that a cashier might use to steal money from you is by using a method called, building a bank. This is the process of not ringing up items on the cash register, while still taking money from the customers, and then pocketing that money. Typically, they will obscure the view of the cash register display on the customer’s side with something like a flower, retail merchandise, or by turning the display so that it cannot be easily seen. Then, they will pretend to ring up an item, but will hit the no sale key instead, popping the drawer open so they can take the cash and make change, but in reality, they haven’t rung up anything. The other thing they might do when it is busy is to just not shut the drawer between transactions. They simply convey verbally the cost of items ordered by customers and take the cash, but once again, nothing has been rung up.

    A cash register that prints out the order on a remote receipt printer to the person who will be preparing the item, can eliminate this problem. Quite simply, if the item isn’t rung-up, it won’t print out. If your barista or cook won’t prepare anything without a receipt (and they shouldn’t!), it will force your cashier to ring everything up.

    If you observe that the cash register’s display has been blocked from the customer’s view, or there are an excessive number of no sale indications on your cash register’s detail tape, or notice that your cashier is not shutting the drawer between transactions, beware! While these may not be indisputable proof that your cashier is stealing from you, they should certainly heighten your vigilance to find out if something is going on.

    If your coffee business only warrants having one employee working at a time, perhaps because you own a cart, kiosk, or low volume drive-through operation, then how do you go about keeping your employee from building a bank and stealing from you? The best solution I’ve seen is to turn your customers in to watchdogs. Affix a sign to the front of your cash register, in plain sight of the customer, that reads: If you don’t receive a receipt with your order, it’s FREE! This will force your cashier to hand each customer a receipt for their purchase. If they are building a bank, this means they will have to hand the customer a receipt that says – NO SALE; something they probably won’t fell comfortable doing!

    The financial impact of theft of money can be extremely damaging, for example: Let’s say you have a cashier who is skimming off $20 a day by not ringing things up, and then pocketing the money. Not only did you loose the stolen $20, but the $7 of ingredients that were probably used to produce the ordered products; ($20 x 35% ingredient cost = $7.00). So in reality, you lost $27, and it will take an additional $41.54 in sales, to recover this loss; ($41.54 x 65% gross profit = $27). $27 a day lost to theft, X 21 days worked by the employee = $567 lost cash & product per month; $872 extra sales required to offset this loss. (Annual loss, $6,804; $10,468 in additional income required to offset loss.) You must stop theft of money!

    Theft of money management:

    If you have a manger running your operation for you, this can really create an opportunity for cash theft. Just about anyone who has ever run a food service operation (self included), probably felt that they were over-worked and under-paid. Some are tempted to grant themselves an unapproved raise. Your manger has the control key to the cash register, which means they have the ability to back off items that were sold. You would be wise to check your cash register detail tapes on a regular basis. If you see multiple items backed off in groups, or more worrisome yet, all backed off at the very end of the shift, beware!

    A good way to keep this from happening is to establish a policy that no over-rings are to be backed off of sales on the cash register with the management control key. Instead, when the cashier makes an over-ring, they should take the receipt, write over-ring on it, sign it, and put it in the cash drawer. At the end of the shift, the total of all over-rings should be manually backed off of the sales total indicated on the cash register report.

    Many years ago I had a manager that was stealing money from me in another creative way. This manager, who opened the store each day, would reset the cash register by Z-ing it out after the first half hour of business. He would then pocket the proceeds earned during that first half hour. Because additional sales were generated during the second half hour, the cash register hourly sales report would always show sales for the first hour of operation, thus eliminating any suspicion that something might be going on.

    It wasn’t until I was doing a routine audit of cash register Z tapes that I noticed something wasn’t right. When you run a Z report, which resets the cash register at the end of each day, a multi-digit number will usually be printed somewhere on that tape. The next time you Z the register, that number will advance by one digit. I noticed that even though the tapes were sequential in date, every other number was missing. This tipped me off that the register was being Z-ed twice a day! When I confronted my manager with the tapes, his look of panic spoke volumes.

    If you are doubting the honesty of any of your employees or managers, one way you can verify or eliminate your suspicion is by baiting the cash drawer. Slip an extra $20 bill in the drawer sometime during the day when they aren’t watching. If they don’t end up reporting at the end of their shift that they were $20 cash-over, I’ll do it a second time (just to make sure). If they don’t report it a second time, you should have no doubts that they are indeed, dishonest.

    NEVER accuse an employee or manger of stealing unless you catch them red-handed (actually stuffing money into their pockets). Even though the circumstantial evidence may be overwhelming, unless you actually catch them in the act, they are likely to deny your accusations, and will probably file a complaint against you with the department of labor! The brief moment of satisfaction you will gain from letting them know you are aware of what they’ve been doing, will be quickly overwhelmed by the legal predicament you will find yourself in. You will be far better off to not make accusations. Simply terminate their employment. In many states, you do not need to provide a reason as to why you are letting them go. When they ask for an explanation as to why you are firing them, simply say: I don’t need to give you a reason, I’m just letting you go, goodbye!

    Finally, don’t over look technology to help you with security. Surveillance cameras linked to a DVR (digital video recorder) can provide you with peace of mind, or evidence of theft. These systems have become very affordable, and many are easy to install. The value of these cameras go beyond having a video record of operations. The mere fact that employees understand that their activities are being video recorded, will usually discourage them from doing things that they might not think twice about, if no one was watching.

    I think it’s important to not be paranoid about employee theft. Certainly, you don’t want to be constantly obsessed with the suspicion that everyone is stealing from you. In reality, the majority of your employees are probably honest people. But, you would be wise to establish some simple safeguards, and maintain a watchful eye.

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    Source by Ed Arvidson

    Views: 0

  • Christian Healing Ministries That Heal Stress and Addictions

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    Jesus Christ is the focus of Christian healing ministries that are freeing people from the pain associated with unhealthy lifestyles. There is no limit on the healing power of Jesus Christ. If you are seeking: healing addictions, healing sexual abuse and healing stress: Jesus cares about those things that are plaguing you and here are some Biblical steps that you can take. Spiritual healing is available that will reach deep into a person’s soul to bring healing from these common torments that are destroying the peace and joy that is available through Jesus Christ.

    Healing Stress
    Negative emotions are damaging to the body. Modern life is often characterized by a mounting sea of daily pressures and stressful events which are coming at us from every direction. However, the real culprit behind stress and stress related illnesses is not the situations and daily pressures that are bombarding us. The real culprit behind stress is the emotional reactions that we are experiencing on the inside of us. These emotions can generate sickness within our body. Negative emotions release chemical reactions in the body and the brain. These reactions affect organs on every level including the stomach, heart, large muscles, and the cells throughout the entire body. The most dangerous emotions include: un-forgiveness, depression, rage, anger, worry, fear, grief, guilt and frustration.

    What many don’t realize is that these negative emotions are sins which not only cause disease, they also separate us from God. But don’t be discouraged! There is good news in this truth and that good news is that there is a way out from disease and the entrapment of negative attitudes and emotions that may have affected our personality. Jesus died so that we can be free of sin’s penalty and from its power. We can be set free of negative emotions which cause sickness and stress by learning how to carry our negative emotions captive to Christ (2Co 10:5). Healing stress can bring forth physical healings in our bodies from diseases that we may be experiencing. It always carries us closer to Christ.

    Healing sexual abuse
    Sexual abuse is a traumatic experience that causes deep feelings of rejection within the abused person. Sins against us whether they are verbal, physical, or sexual are tremendously painful experiences which can leave us experiencing symptoms in our personalities such as shyness, perfectionism, exhibitionists, and high achievers. Healing sexual abuse is necessary in order to experience the freedom of life without seeking the approval of others. The deep-rooted pain can cause a person to hide their real self from others and even from God. Healing sexual abuse will result in meaningful relationships and purposeful lives which are filled with true intimacy with others and with God.

    Healing Addictions
    Addiction is bondage in our lives. Spiritual/emotional bondage is anything in our lives that controls us or rules us. God-and the peace and freedom He gives us-is to be our master, not sin. Some things that are good can become addictions when moderation is passed such as eating, work, relationships, shopping, prescription drugs and entertainment. Other addictions are based on things that are not good to begin with such as gambling, foul language, illegal drug use, and pornography. True freedom from addiction and healing addictions begins with allowing God to work on your emotional life and honestly admitting deep down inside that you need His help to help you surrender and stay surrendered to His leadership in your life.

    Healing stress, healing addiction, and healing sexual abuse are only possible through the power of the cross. When you receive Jesus Christ as your savior you receive the Spirit of Jesus Christ within you. Becoming a new man is not always immediately visible outwardly, but as you seek God through the truths found in the Bible you will experience freedom in your life as never before. Christ in you is the hope of glory (Col 1:27):
    To them God willed to make known what are the riches of the glory of this mystery among the Gentiles: which is Christ in you, the hope of glory.

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    Source by Scott J Thomas

    Views: 0

  • 3 Attitudes You Need To Make Marital Conflict Resolution Work

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    One of the biggest contributors to divorce is fatigue and emotional exhaustion. Couples allow things to get so bad that by the time meaningful intervention is sought one or both are unwilling to do what is necessary. You might finally have a solution that works but no longer have the strength or will to act.

    It is very sad when you see a couple get to the point where they lose the will to keep trying. Your attitude will add energy to your relationship or add fuel to the many unresolved conflict causing issues. Trying to do the right thing with the wrong attitude will not bring back the love and passion in your marriage. The 3 attitudes that will help repair, protect and save your marriage are:

    An Attitude of Forgiveness

    As issues are identified they will be directly or indirectly attached to you or your spouse in most instances. If you start seeing yourself or your spouse as ‘The Problem’ this opens doors for resentment. In order to move forward you must have a heart of forgiveness.

    You must be mature enough mentally and emotionally to live out your vows of ‘for better or worse’. We must be able to wake up in the morning knowing that we will have an attitude of forgiveness towards any issue that may arise. Making a proactive decision to forgive prepares you mentally and emotionally to honestly deal with marital issues.

    An Attitude of Friendship

    One of the worst things about constant fights and conflict in marriage is feeling like you lost your best friend. You feel unable to freely express your love and affection. The home becomes a hostile environment that you want to avoid instead of a place of solace, love and passion.

    In marriage you will not always like each other. One of the marriage killers is when a couple stops being friends. Making a proactive decision to remain friends reminds your mind to keep doing nice things for the person you fell in love with, while you are working through an issue. You instinctively want to do nice things for a friend so do not get in the habit of seeing your spouse as the enemy.

    An Attitude of Fidelity

    Divorce happens when one person decides the best option is to leave the marriage. They feel like it is no longer worth it to remain in the relationship. Identification, isolation and improvement have to do with your approach to conflict resolution. Forgiveness, friendship and fidelity have to do with love.

    Marriages are built on love and managed by healthy approaches to everyday living and dealing with issues. It is difficult for a marriage to flourish in love when you have a list of things that will make you seek divorce. Making a proactive decision of fidelity reminds you of your commitment to work through every issue.

    It is impossible for any issue to get the upper hand in your marriage when the attitudes of forgiveness, friendship and fidelity are the foundation of your relationship. Change your attitude and change the course of your marriage.

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    Source by Kerwyn Joseph

    Views: 0

  • An Unusual Way to Get Rich – Create a Flea Market Small-Business Empire With Wholesale Products

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    FACT: Many people earn $1,000 per day (that’s $104,000 per year) just selling at flea markets and swap meets on weekends. (I’ve actually made more than that on some days.) Most people think we are just a bunch of poor folks trying to make an extra dollar, and that’s exactly what we want them to think.

    What do we know that you don’t? What are our secrets? Can you do it?

    Yes. Anyone can sell at flea markets and become wealthy…and I’m going to tell you exactly how right here.

    Becoming a flea market vendor is easy and affordable. Your expenses will be the cost of your merchandise and space rent. Daily rent for an outside space can be as little as $5-$10 per day. Many people begin by selling used items and move into selling brand new items purchased from wholesale companies. New items outsell used items two to one and have a higher profit ratio.

    Most people already have a table or two they can bring with them. I actually began my flea market and swap meet business with only $200 and a couple card tables I borrowed. I now earn thousands of dollars every month without fail. (Of course, the more money you have to buy merchandise, the faster your new business will grow.)

    The key is to let your new business grow. Don’t kill it by taking all the profits out of it! I suggest that you have a job or another source of income to cover your living expenses for at least the first six months after starting your new business.

    There’s an old adage in this business: ‘The more you have, the more you’ll sell.’ Believe me, it is true! Take that to heart and put all of your profits into buying more merchandise, so you’ll have even more to sell the next weekend.

    Who do you think most shoppers will go to, the guy sitting there with four items on a single card table or three spaces across the aisle from him literally loaded with millions of different items? If you think you have enough merchandise, you don’t.

    If you use your profits to build your business and buy more merchandise every week it won’t be more than a few months before your sales rapidly increase and you can begin keeping some of the profits for yourself without killing it.

    If you live in a northern climate that is cold in winter or a southern climate that is hot and humid during summer, you might consider renting a space inside a flea market building. Yes, your space rent will go up a bit, but you’ll have the advantage of heat and air conditioning (comfortable shoppers spend more money), as well as a secure enclosure for your tables and merchandise during the week when the market is closed.

    Once your first small business is running well, use the profits from it to open a second small business at the same flea market or swap meet, selling a different type of merchandise. Expanding is as simple as renting another space and hiring someone to run it for you. Again, your costs will only be merchandise and space rent and whatever you pay your help. (Be good to them and they will be very good to you.) Just as with your first business, put the profits back into your second business and allow it to build.

    The profits from two small businesses will allow you to open a third small business with ease. Do the same as you did before and allow your third business to grow. Put the money back into it by purchasing more merchandise.

    Then open a fourth, a fifth, a sixth small business at the same flea market. It’s not only possible but almost guaranteed that if you will do that you will create your own small business empire in less than one year and have a yearly income in excess of $100,000 after expenses.

    If you just put the profit back into your first new business, it will grow without another penny out of your pocket. The profits will allow you to open a second, a third and so on. You don’t need a small business loan to get started.

    Plus, you are not limited to just one flea market or swap meet. There may be other markets within 20 or 30 miles of you, where you can do the very same thing and multiply your earnings.

    If you follow this simple yet effective formula it won’t be long before you can stop selling at flea markets yourself and just become a manager, overseeing your small business empire and stepping in to give your employees breaks.

    Once you are making a very good income, consider other ways to invest your money to make even more profit, such as opening your own wholesale house and selling merchandise to flea market vendors and make even more.

    Flea markets and swap meets are an excellent venue in which the average person may start their own small business and become wealthy by creating a small business empire.

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    Source by Allen Farlow

    Views: 0

  • Online Dating – Needle in a Haystack?

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    No doubt about it, Internet dating has become a unique part of modern love. In fact, in New York, Internet dating has become so popular that it is now simply called ‘partner shopping’ or ‘hyper dating’.

    Online personal ads were one of the first niche markets on the web at the beginning of the net revolution and statistics now predict that 50% of single people will hook up with a partner online. However, with thousands of dating websites to choose from around the world, finding the right one can be difficult.

    If you’ve ever joined a general dating site you’ll know that trawling through a stream of profiles, with reams of personal information about housekeeping habits and suchlike, doesn’t mean that you will actually get along with someone. But the good news is that online dating is evolving, with recent trends showing a move towards specialist dating sites that aim to bring people with similar interests together.

    Sometimes linked to lifestyles, such as dating sites for bikers, interest-based dating sites are leading the way for a new generation of people looking for love on the worldwide web. With literally millions of people using the internet as a new social arena in which to make new friends and find a partner, people are discovering that there is a much better chance of making that all important connection through a specialist site where the members have shared interests.

    A recent survey by music-mate.com revealed that 80% of its members preferred interest-based dating sites, stating that they found it easier to make the first contact.

    Music-mate.com creator Diane Ainslie understands this new trend: ‘I’ve used the internet in the past to find a date and I really liked the idea of being able to meet up with people without all the usual fuss. But I often found I didn’t have a lot in common with the people I met. As a huge music fan, I realised that meeting people who shared a passion for the same music as me was a great basis to develop new relationships. You have something to talk about straight away!’

    And there’s the key. Joining a general dating site can be like visiting a strange city without a map. How do you even begin to find your way around? In choosing an interest-based site you’re starting on familiar ground. It’s easier to get talking and you’re more likely to meet someone you have something in common with. If half of all single people are using the Internet to find a partner, finding that special someone is like finding a needle in a haystack. It might just be time to jump on the latest bandwagon and find a dating site that interests you!

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    Source by Claire Gaskin

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  • How Nootropics Make You A Better Entrepreneur

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    Just imagine a pill you can take to enhance your points of view, increase your memory, and make you more productive. In it sounds like an ultimate life hack, you’re not the only one.

    There are pills that guarantee that out there, yet how they work is a little complicated.

    These pills are known as nootropics or smart drugs.

    So what are nootropics?

    Nootropics are a class of brain power enhancing supplements that are utilized to enhance focus and help to boost memory. Nootropics are regularly used to increase capacity to focus, help people concentrate more and reduce anxiety.

    You will often observe Nootropics called as “smart drugs” as they are connected with increased intelligence, focus and motivation.

    Be they are not at all like brilliant medications which can frequently bring about negative reactions or side effects with long term use. Nootropics are safe to use and pose a low risk of any side effects if used properly.

    Numerous nootropics have similar systems of working by improving communication between neurons in your brain, adjusting neurotransmitter levels or by balancing brain cell health.

    They also improve metabolism of your neurons, support neuroplasticity, or even support the development of new neurons and neurotransmitters.

    How Nootropics work?

    There are various sorts of Nootropic supplements accessible. Also, there are distinctive classifications and “families” of Nootropics, for example, Racetams and Ampakines.

    Each of these particular supplements work in different ways and have different working mechanism. Given this, there is not one answer to the question “How Do Nootropics Work?” rather a wide range of answers.

    There are however some basic ways in which nootropics work and modulate the neutrons in your brain. One of them is listed below

    Together, the neurotransmitters and the receptors make up a “framework.” There are an immense huge number of these neuronal frameworks inside the mind.

    What a Nootropic supplement does, generally, is to explicitly target and increase the proficiency of those frameworks which result in enhanced cognitive abilities.

    How Nootropics will make you a better entrepreneur?

    The initial step for an entrepreneur is to investigate what they are doing battling against. For some (myself included) it is to enhance focus and effectiveness during the working hours was my primary objective.

    Diehard business people working 18-hour days require to last longer during the day and work normally when sleep deprived.

    This is where nootropic role come into play. Below are the benefits of nootropics that will help you to become a better entrepreneur.

    1. Increase concentration

    Before you consider enhancing your memory capacities, you should first increase your concentration. Nootropics can help with that, particularly in case you can’t concentrate on a particular work over a longer period of time. This is a noteworthy issue with entrepreneurs who encounter inconvenience in concentrating for longer hours of work.

    2. Enhances memory

    It is easy to read and comprehend a specific topic but the vast majority discover it somewhat troublesome to recover data from their memory. Nootropics have appeared to have beneficial outcome on a man’s memory.

    It enhances and repairs all parts of your memory capacities, including the working memory and recall. It additionally supports brain cell development and enhances the connections between the neurons. Aside from these advantages, they additionally repair the neuron, which thusly gives a help in comprehension of data information and recalling it.

    3. Improves brain health

    With busy schedule and poor diet, out brain takes a genuine bashing. Nootropics not only enhance your memory and information investigation but also improves the overall health of brain. They increases oxygen stream to the brain and maintains neurons and brain cells which keeps the brainwaves casual and more effective.

    4. Better mood

    The primary reason behind why many individuals can’t concentrate and focus at a specific task is foul mood. A few studies demonstrate that improper eating habits and sleeping habits can affect your mood. Nootropics can boost and stimulate mood enhancing neuroreceptors which makes your mood better and helps you to concentrate more.

    Conclusion

    Being an entrepreneur is not an easy job. You have to think outside the box that will make your business grow. Nootropics can help you to concentrate more and help you make your product awesome. If with a single nootropic you do not see significant results, you can combine different nootropics to see greater results. This is known as nootropic stacks.

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    Source by Ritika Singh

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  • Rare American Coins and Gobrecht Designed Silver Dollars

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    Congress suspended the production of silver dollars in 1804 and finally lifted it in 1831. No silver dollars were struck between 1804 and 1834, except when they were used as diplomatic presentation sets.

    In 1835 interest was growing to reinstate silver dollars as regular issue coins. Christian Gobrecht was invited to present designs of the new coinage. Many short lived varieties of Gobrecht’s design were created, because of changing sentiment for the silver dollar in the mid 1830’s, both by the public and Congress.

    Gobrecht patterned his new silver dollar based on designs from artists of the day. The obverse of Liberty Seated came from Thomas Sully and the reverse from Titian Peale’s eagle in flight.

    By the mid 1830’s when these coins were being designed, there were 26 states. Gobrecht original design called for 13 large stars and 13 small stars. That resulted in public criticism, because the 13 original states weren’t more important than the new entries.

    The early examples had Christian Gobrecht’s name displayed on the obverse in tiny letters above the date. This was the only time in US mint history when the full name of the designer was placed on a coin, although initials are commonly displayed somewhere.

    The dispute over the full name on the dollar coin delayed production until December 1836. Public objections were strong enough to bring about its omission in the 1838 issues.

    Basically, the 1836 & 1837 Gobrecht dollars had a plain edge with his name above the date in the rock base, with large and small stars on the reverse. The coins struck in 1839 had a reeded edge, no name in the rock base and no stars on the reverse.

    All Gobrecht dollars were struck in the Philadelphia Mint, and all the regular circulation coins of 1836 and 1837 have a proof finish, so the public could see the high quality of the new coins. This is unique in U.S. coinage, where coins intended for circulation were struck as proofs.

    The Gobrecht silver dollars minted in their various forms between 1836 and 1839 came in both pattern and regular issue coins. A total of 1900 coins were produced between 1836 and 1839 with 1600 dollars dated 1836, even though they were actually struck in 1836 and 1837. The other 300 were delivered in 1839.

    Only 1,000 of the 1600 examples were struck before the end of the year 1836. Authority for new Seated Liberty silver dollars was given by congress in 1834 with the Old Draped Bust, 416 grain weight standard of 1792, rather than the new standard of 412.5 grains of 1837.

    600 more 1836 silver dollars were minted in March of 1837 for public distribution at the new 412.5 grain weight. These coins are very close in weight, but can be differentiated from the first 1836 issue, because they had the obverse and reverse aligned in “medal” fashion, rather than the prior “coin” fashion.

    The 1838 silver dollar is a pattern coin only, with no regular issue struck. These coins are extremely rare, with fewer than 10 pieces in existence.

    In December 1839, 300 more silver dollars were produced and were the last dollars with the flying eagle reverse. The minting of Gobrecht’s Seated Liberty design silver dollars continued in 1840 with a Heraldic Eagle reverse from 1807, and stayed in use until 1873.

    There was little interest in numismatics prior to 1850, so very few of these coins were spared circulation. After 1850 however, numismatics started rising in popularity among Americans.

    The consumer demand was such that the US Mint started restriking earlier coins during the 1850s and 1860s. Mint director James Ross Snowden used Mint dies to create such numismatic anomalies as the Class II and Class III 1804 dollars, and Gobrecht dollar restrikes.

    The number of Gobrecht dollar restrikes is believed to exceed the original mintage figures. All original dollars dated 1836 will show the eagle flying “onward and upward,” while the restrikes made in the 1850’s and 60’s will have the eagle flying horizontally.

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    Source by Paul St. Julien

    Views: 0

  • Repricing on Health Insurance Claims

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    We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

    Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

    When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

    The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

    Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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    Source by Cal J Burgess

    Views: 0

  • How to Lose 50 Pounds in 11 Weeks – 5 Things You Must Do

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    Trying to lose 50 pounds in 11 weeks can seem like a formidable task, but I assure you it can be done.

    I’m assuming you’re not interested in using weight loss pills, appetite suppressants, surgery or any of that other junk to lose 50 pounds in 11 weeks, which is good…’cos I hate those things. Don’t get me wrong, they have their place in certain situations, but in most cases, are an unnecessarily extreme measure.

    When you consider that a gastric bypass operation can cost anywhere between $25,000 to $35,000 US dollars, you have to question whether the advice given to some folks to go through with it is in their best interests or that of the surgeon and his pocket.

    Trying to lose 50 pounds in 11 weeks may be a tough challenge but there are a few things you can do to make your life easier.

    Here are 5 top tips you should follow when trying to lose 50 pounds in 11 weeks.

    1) Believe in yourself / set goals

    The first and most important thing is getting in the right frame of mind. This may sound strange since you already know you want to lose 50 pounds in 11 weeks…so what do I mean?

    Well, don’t worry, I’m not gonna go all Tony Robbins on you and get you jumping up and down in a euphoric state (although there is some truth to that). Rather, I’m saying that you need a clear picture of where you want to be, and focus on it. You need to feel like you’ve already managed to lose 50 pounds in 11 weeks…think about it…how does it really feel. Are your work colleagues inspired and envious of your new body and transformation? Do you have the confidence that you were lacking to ask out that hot guy or gal you’ve had your eye on for like forever?

    Only by picturing it in your mind will you be able to set goals for your success and believe that you can and will lose 50 pounds in 11 weeks. The goals will be the checkpoints on your journey, the self-belief will be the fuel that keeps you going.

    2) Find a good trainer and surround yourself with good like-minded people

    This is an essential and often overlooked part of trying to lose 50 pounds in 11 weeks. A lot of people don’t realise that who they surround themselves with plays a huge part in their self-belief, attitude, and overall motivation and determination. It has been said that a person is the average of the 5 or 10 people they hang around with the most, and this regards health, wealth, ambition, aspiration, relationships, family etc. This is not a hard and fast rule, but I feel there is some truth to it.

    Trying to lose a lot of weight quickly will be demanding and therefore you want to surround yourself with positive folks who are rooting for you, and not people who are waiting for you to fail, so they can say “I told you so!”

    Now, I’m not saying you should just give up and avoid your family and friends, but rather to seek out folks who have similar goals, and understand your situation. Finding people who have been where you are now and achieved your goals can give you a real push to do the same. Why do you think things like Weight Watchers clubs are so successful? It’s because they bring all these people together and they help each other out.

    Where can you find these people? There are loads of forums online where you can find people who are trying to lose weight. Just going to Google or Yahoo and typing something like “weight loss + forum” (without the quotes) will yield all sorts of great things. There are also loads of weight loss and fitness programs online that you can follow to lose 50 pounds in 11 weeks.

    The same applies to your trainer, coach, or workout program that you choose to follow. Are they supportive yet ambitious, pushing you on when things get tough? If not, find one that is.

    3) Eat a healthy diet

    Obviously, diet and nutrition is fundamentally important when trying to lose 50 pounds in 11 weeks. Taking on too many calories will mean you always put on weight, period. Therefore, you will need to create a caloric deficit, by taking on fewer calories than you burn, forcing your body to burn up the fat deposits and use it as energy.

    Finding the right diet is important, and many folks go about it the wrong way. Starving yourself is a big no-no. You may lose a few pounds in the first few days, but it won’t last, as your body will transition into starvation mode and slow down your metabolism to burn less fat (it’s your in-built survival mechanism), making it even harder to lose 50 pounds in 11 weeks.

    So what can you do? Eat more! Yes, by eating smaller meals more regularly you will maintain your metabolism at a higher rate, and this, combined with exercise, will help you lose the pounds faster.

    Green fibrous vegetables like broccoli, green beans, asparagus and lettuce are great healthy foods that can actually help you to burn fat, and it’s almost impossible to overeat on them. Eating more of them in the later part of the day along with a good lean protein like chicken breast is one of the best methods of getting lean as quickly as possible, and losing 50 pounds in 11 weeks.

    4) Follow a good exercise plan

    Without exercise, even the best diet plan in the world will struggle to help you lose 50 pounds in 11 weeks. You need to exercise in order to get the full benefit of the caloric deficit we mentioned earlier. It will create the furnace where you burn off those unwanted pounds.

    Regular exercise also aids the mind, confidence and overall health. By tightening up, toning and growing your muscle, you also help your body to burn fat faster. Did you know that muscle can actually help you burn fat? So the more muscle you have the more fat you can burn, because your metabolism will work faster with more muscle.

    Find a good training and exercise plan, with a good variety of cardiovascular work for your overall fitness, endurance and toning exercises like pushups and sit-ups, and some light weight training.

    5) Stick to it!

    This is the most important and often the hardest thing when trying to lose 50 pounds in 11 weeks. The best diet, exercise routine, trainer, and goals, mean nothing without the small action of going and actually doing it. Things may get tough over the next 11 weeks, but sticking to it and following through will show results, and you’ll be amazed at what you achieve. Once you see a little success you’ll be hungry for more and then it’ll be so hard to stop the momentum you build up, that 50 pounds in 11 weeks will seem like a piece of cake!

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    Source by John Wheeler

    Views: 0