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  • How do we remove biases in AI systems? Start by teaching them selective amnesia

    How do we remove biases in AI systems? Start by teaching them selective amnesia

    Imagine if the next time you apply for a loan, a computer algorithm determines you need to pay a higher rate based primarily on your race, gender or zip code.

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  • The 7 Traits of an Exceptional & Successful Entrepreneur

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    How often have you either referred to or considered the expression, “Success is a journey and not a Destination?” Probably many times, yet often being in a hurry to get there, we forget that success is not an end unto itself, but is instead an ongoing process.

    Though some people seem to have the Midas touch and easily turn everything to gold, most of us have to give our endeavors lots of time, effort and the sweat of our brow before seeing things come to fruition. The simple truth is that the majority of us are simply not born leaders, but become leaders by who we are and the actions we take. Consequently, whether or not you’re an established entrepreneur or just starting out on your journey, there are particular traits you’ll usually find operating within the exceptional entrepreneur. In fact there are 7 particular traits you’ll generally discover deeply embedded within the exceptional and successful businessperson.

    If you’ve already taken the plunge as an entrepreneur, you know that it takes a great deal of planning, development and strategic marketing to succeed. At any given time, there are changes to be considered and new directions to examine. In which case, whether you’re the CEO, CFO, Chief Marketer or Chief Solutions Officer of your company, your journey to success is probably full of trials and tribulations.

    To support you in your journey to success, be willing to open your mind and sense of reasoning as you consider whether these traits are part of your driving force. If they are not yet ingrained within you, I recommend that you give them some thought.

    THE 7 TRAITS TO SUCCESS

    1) Successful Entrepreneurs Gain the Respect of their Peers

    One of the first and most obvious characteristics you’ll see operating in an exceptional entrepreneur is an equitable and unbiased disposition . Plain and simple the successful entrepreneur recognizes that no one is above or below. With an attitude of respect for others, the successful entrepreneur gains the respect from everyone they encounter. Strategies, attitudes and methods filter down to each person and reflect on all actions and activities. A successful entrepreneur gives everyone the space to be great. No matter how effective or beneficial your expertise, becoming a successful entrepreneur requires building up of your character muscles, traits and habits, which correspondingly make your dreams a reality.

    2) Successful Entrepreneurs Believe and Trust in Themselves

    The savvy entrepreneur is good at trusting his or her own ideas and instincts. Starting out as an entrepreneur requires persistence, determination and a high level of self-discipline. Continuing as a successful entrepreneur requires even more persistence, determination and self-discipline. The wise and successful entrepreneur knows this and works hard at developing their level of confidence. If you have a strong code of ethics and believe in yourself, then your ideas can work. Having the desire and passion are the first steps on your journey; getting there requires believing in yourself.

    3) Successful Entrepreneurs Follow a Plan

    The successful entrepreneur follows a plan. Haphazard or trial and error have no place for the triumphant entrepreneur, for no one gets to his or her destination without a map or a guide to follow. That doesn’t mean you won’t go off course if another road seems better, but it’s still more effective to have a plan in place. Most successful entrepreneurs start out by writing a basic business plan that acts as the impetus and guide for their endeavors. It doesn’t have to be fancy or lengthy but it should include marketing strategies, goals, intentions, ideas and why you can do better than your competition. A business plan should be reviewed and updated periodically for each new idea stirs and inspires other ideas.

    4) Successful Entrepreneurs Think Creatively

    Successful entrepreneurs are not afraid of thinking creatively. Whether a business idea has already been tried makes no difference to the exceptional entrepreneur. He or she sees better ways of doing things and knows that every idea can be expanded upon, made better, enhanced or broadened . The successful entrepreneur is willing to think outside or the proverbial box, which means using imagination, trying new things and expanding on a vision. The savvy entrepreneur pays careful attention as to whether a particular strategy is working. If after giving it his or her best shot the entrepreneur realizes the particular strategy isn’t working, they know there’s no point in continuing to invest energy, time and effort in the strategy. They move on to another approach and idea.

    5)Successful Entrepreneurs Explore Their Exceptional Skills

    Successful entrepreneurs realize that we each have our strengths and weaknesses as well as a multitude of skills and talents. Successful people ask themselves often what skills they have that no one shares in quite the same way. An exceptional and successful entrepreneur explores their particular skills until they find the ones that match most closely with their ideal. They don’t try to be and do everything. If the successful entrepreneur needs help, they’re willing to find someone who can do it better, and allows in the support. The successful entrepreneur stays open to change for they recognize that as they move forward, doors open in unexpected places that carry them to their next level of success.

    6) Successful Entrepreneurs Envision Their Success

    The successful entrepreneur gives time to envisioning how they want their business to look and how they want it to be. Intention is a powerful and dynamic tool. For those who are not inclined towards intention and visualization, talk to a successful athlete and you’ll discover that before each sporting event, the successful athlete envisions exactly how he or she wants things to turn out. Imagine what it will feel like when you’ve reached a particular set of goals. Get in touch with the feelings, you’d have as a successful entrepreneur. Practice and conceive of the sense of empowerment and the joy of having succeeded. The successful entrepreneur knows they have the power to live life the way they want, but to make it a reality, they know it has to be seen first.

    7) Successful Entrepreneurs Never Give Up

    Giving up is never in the vocabulary of the successful entrepreneur. Of course there may be days when a successful entrepreneur feels discouraged or disappointed, but giving up is not an option. Having faith, trust, confidence and determination are the qualities needed for the successful entrepreneur. To keep their focus on track, they seek out the support of those that know them, encourage them and bring out their natural enthusiasm. The smart and successful entrepreneur realizes that there will be good days and not so good days. Being a successful entrepreneur requires accepting the ebbs and flows of business for it is in fact what separates the exceptional and successful entrepreneur from the one who gives up far too soon.

    © 2004

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    Source by Robert Moment

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  • The Cash Register and Their Uses

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    We have all at least seen a cash register if not used one.  Cash registers are an integral part of retail businesses and most cannot operate without one.  Invented by James Ritty after the Civil War out of necessity for the running of his saloon.  His main goal was to stop employees from skimming money and he got the idea after seeing a tool that counted the revolutions of propellers for steamships.  Patented in 1883, the cash register soon took on a life of its own and after being sold a few times, finally settled into what it is today.

    Today the cash register does not require you to break a nail while pushing down huge buttons that were known for sticking down and causing all sorts of problems.  There are no longer number tabs that pop up to show you the amount being rung up, but rather most registers are computerized.  Computer cash registers are available in many forms today and may consist of just a simple program that you run on your desktop computer that uses an interface just like a regular cash register to entire pos systems that come complete with bar code scanners, a till drawer and receipt printer.  Pos cash registers are what most of us are familiar with today as all the large retailers use them.

    Computer cash registers or pos cash registers are highly advanced and will do everything from ringing up the customer’s purchases to doing your taxes.  Many of the systems will come with a program that keeps track of your inventory which will save you time and money by streamlining the process and not having to do physical inventory.  Don’t forget the options like bar code scanners and laser receipt printers that will help keep your business running smoothly.

    Touch screen cash registers are the first choice among restaurants and grocery stores.  These registers will display menu choices and options that will make ordering quicker by just pressing the screen.  Restaurant cash registers are designed so that the kitchen will receive the order when the wait staff enters it into the computer so they can begin preparing immediately.  This makes for a much more efficient restaurant.  Many of these pos systems also come with age verification software which is handy for those in the bar business.  These registers also allow for unique user id’s that keep track of each person who uses the register, their orders and their sales.  Most are able to download your business for that day or week into tax programs such as Quick-books.

    The importance of cash register tape might seem little, but this is an important addition to any system and should be allowed some consideration before purchase.  Today, most register systems and credit card machines use thermal paper for receipts.  This paper requires special thermal printers that burn the image into the paper.  Laser printers are also used and they have their own special type of receipt paper as well.  These types of printers do not require ink, which is one less expense because in the long run ink will cost you a fortune, but they are much pricier up front than your regular paper receipt printers.

    Below is a list of registers and prices that you can expect to pay:

    • 8 Department Standard Electronic Cash Register (recommended for small businesses) starting at around $100 – These registers are very basic, but for the small retailer they are perfect – They use standard paper for their receipt printing
    • 40 to 99 Department Standard Electronic Cash Register (recommended for small to midsized businesses) from $200-$350 – Same considerations as register above
    • Touch Screen Cash Register (varies depending on size and bundles/options, recommended for restaurants and bars) $500-$2500 – These registers will almost always be used with thermal or laser receipt printers
    • POS Systems (varies depending on size and options) $1500-$3200 – Used almost always with laser or thermal printers.

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    Source by Gerald Hill

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  • 12 Benefits and 12 Challenges of Being an Entrepreneur

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    All over the world, people are breaking free from the traditional employment model and choosing to achieve business success as entrepreneurs. Will you be the next?

    Let’s start by covering 12 of the most commonly-mentioned benefits of being an entrepreneur to inspire you on your journey:

    1. You can choose your own schedule.

    2. You are free to travel.

    3. You can take sick days or vacation days whenever you need them.

    4. If there are necessary tasks you don’t enjoy or have time for, you can outsource them.

    5. You can select your own employees.

    6. Learning to be a better boss also teaches you to be a better employee.

    7. Your innovative ideas have a chance to shine unfettered.

    8. You do not have to wear a uniform or follow a company dress code.

    9. You enjoy better job security than most people.

    10. Entrepreneurship teaches you the benefits of hard work.

    11. You can always feed your curiosity by learning more about every aspect of your business.

    12. Your ambition can always drive you to greater heights and business success.

    As you can see, entrepreneurship is becoming popular because it comes with a whole new lifestyle for those who are willing to seize it.

    Of course, entrepreneurship isn’t all sunshine and freedom. According to the United States Small Business Association, a third of small businesses fail within the first two years, and more than half fail within the first five years.

    Not surprisingly, the challenges of entrepreneurship represent the flipside of the advantages we discussed above:

    1. Choosing your own schedule can result in wasted time without the proper time-management skills.

    2. Even while traveling, it may be necessary to handle work-related crises, because you are basically always “on call.”

    3. There are no paid sick days or vacation days, so you must decide how much each day off is worth to you.

    4. You are responsible for completing any tasks you can’t afford to outsource.

    5. Hiring employees means you must learn how to conduct interviews, uphold workers’ legal rights, and coordinate payroll.

    6. If you don’t yet have the leadership capabilities to direct others, you will be taking a crash course once you hire freelancers or employees.

    7. You must narrow all of your innovative ideas down to the ones that have the most potential to help you achieve business success.

    8. If you don’t maintain a professional appearance in person and online, it is sure to reflect poorly on your company.

    9. You are responsible for funding your business, even if you’re operating at a loss.

    10. Only results are profitable, not time clocked, so it’s possible you will work hard and still end up disappointed.

    11. You must be familiar with each aspect of how your business operates, including those which may not interest you, to ensure everything is running smoothly.

    12. Only you can motivate yourself to achieve business success.

    To sum it up, let’s say that with freedom comes responsibility. If you can’t handle one, you aren’t yet ready for the other.

    Of course, I don’t believe people should give up on their dreams. Just be sure to arm yourself with knowledge and understand what you are getting yourself into.

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    Source by Evelyn Gawlowska

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  • A Beautiful Mind – Nobel Prize Winning Doctor John Nash

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    “Nothing’s ever for sure, John. That’s the only sure thing I do know,” says the schitzotypical auditory plus visual delusion and hallucination known to John Nash as Charles. This is very true even coming from one of these three imaginary people that John Nash believes to be a part of his daily life. Although non-existent these characters including not only Charles, but his adolescent niece Marcie, and his military contact William Parcher or just Parcher, play a pivotal role in the life of professor and doctor, John Nash.

    True, much of what the public knows of the mental disorders, and specifically Schizophrenia is based on what they observe from films and television. This Oscar/Academy four time wining film, A Beautiful Mind, is a very compelling story about a genius mathematician/ cryptologist, who’s life in Cold War era America, aroused his super paranoid and delusional thought process to overwhelm his mind.

    ONSET:

    John Nash exhibited mild symptoms or schitzotypal behavior probably through his childhood. This is evident because of his avoidant personality shown by his impeded interpersonal communication and relationships, and by his moderate “word salad” that he has. His hallucinations and delusions manifested initially by his graduate school Princeton roommate Charles.

    His peers played a crucial role in his life and in his recovery. Once stabilized to a level of acceptance and coping with his symptoms he is given visitations and job opportunities to help him in reintegration. Through the entire relations ship from student to wife, Alicia Nash was interceptive and supportive of his treatment and life after treatment, including a dangerous relapse of behaviors.

    Also, his peers did not initially know how to respond to the disorder because of John Nash’s involvement with the US government. It may have opaque at times but eventually they could make light of the situation once Nash was coping and stable.

    THE PLOT THICKENS?:

    John Nash almost killed his baby son by drowning him in the tub during his major relapse. He had been pocketing the medication and eventually he regained his code breaking and psychotic behaviors. He was in the back shed while drawing the bath and got caught up in what was allegedly provided by Parcher and the US governments’ highest echelons.

    + Symptoms= Racing thoughts, Hallucinations, Delusions

    – Symptoms= Cognitive impairment, grossly distorted reality

    (Axis I and Axis II)

    RETURN TREATMENT:

    Nash was able to eventually be stabilized on his psychotropic medications and with time and strong encouragements able to cope. This was abruptly made evident by his realization that the manifestation of Marcie never aged and paired his wife’s’ strong endearment and optimism towards him.

    Self Reliance was key to his rehabilitation and integration back into society. Aside from a strong support network he found that working in his field of abstract mathematics was his tool for learning interpersonal relationships and separating reality from his reality.

    The Nobel Prize was a major pat on the back for John Nash. Although he did not know the extent of his economic theories had spilled over into, Nash was still acknowledged for his intelligence. It is his life time achievement and it is he can observe that his life was great, not grandiose.

    PAST & PRESENT THEORIES:

    Although many scientific advancement have been made in psychology and imaging techniques treatment has not evolved juristically. Although doctors can now see the brain functioning and areas of brain used in a schizophrenic person the treatment is somewhat similar to that of the 1950’s. ECT, medication, hospitalization, and reintegration are the keystones of treatment for the stabilizing of this mental disorder. Then a medical round of SSRI’s and atypical anti-psychotics are used to maintain an even keel. Hospitalization is a safe way to intervene on an individual although laws have changed regarding commitment of those deemed unsafe for society. ECT has been modernized and more finite now and can be used to treat a plethora of moderate to severe mental disorders. Also, SSRI’s are more affective and paired with support many will stay stable.

    Once John Nash was known to be schizophrenic his friends help with the families clarification of his advanced symptoms. Then they slowly allow him back into his life with some initial hesitance that eventually will turn into a subject of laughter between old friends. Although some were intolerant and mocking of his disorder and effort he was able to maintain a level of functioning on the normal plane of societal existence and even win the highest scientific achievement award.

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    Source by J Greenes

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  • Business Ethics for the Mindful Dance Professional

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    Once upon a time, a dance teacher opened her own studio down the road from her former employer’s school, taking advantage of her former teaching position to start her own studio. Sound familiar? This is an all too common story in the dance studio business and unfortunately, this is no fairy-tale.

    We have all heard a version of this story or perhaps experienced it first-hand. Poaching students–direct or indirect solicitation of another’s students–is a practice that mindlessly fragments and divides the dance community. In addition to poaching students, other subtle, but just as divisive, practices include: making negative remarks about other teachers/schools, misrepresentation of the self by making false, exaggerated, or ambiguous claims, and making disparaging comparisons or references about others.

    What drives otherwise enterprising individuals to engage in business practices that burn bridges, sow the seeds of deceit, and model mindless behavior?

    Darwin. You heard me–Darwin is to blame. Well, not really Darwin himself, but the misinterpretation of his theories into a business context is at the root of this dilemma. When the business world adopted the neo-Darwinian philosophy of “survival of the fittest”, they unleashed a ready-made excuse for unethical action.

    As a culture that witnessed the “cola wars” first hand, we picked up the idea that anything goes when it comes to business and marketing. Ethics and morals need not apply. “That’s business” they say while defending their actions. They fail to see the big picture: to look mindfully at the situation. They unknowingly hurt the larger dance profession and therefore themselves. It is a case of one’s right hand shooting one’s left and thinking this is good.

    What makes one feel justified in approaching the business of dance studios in this mindless manner?

    At the root of the neo-Darwinian business approach is a sense of isolation and scarcity. These teachers believe that it is “them against the world”–or, more directly, “them against the other local studios/teachers.” Add to this sense of isolation a sense of scarcity–that there are not enough students to go around–and you start to understand how one begins to rationalize why stealing students is necessary for survival. However, these twin concepts–isolation and scarcity–are illusions in the dance world.

    Studios fighting over the same group of students create a negative atmosphere in the community. Parents sense this negativity and choose alternative activities for their children because they seem more wholesome: the potential young dancer takes up soccer. However, in a community where more than one dance school thrives without negativity, a greater number of students enjoy dance as an activity. This greater number of students translates down the road into a greater number of future dancers, dance teachers, and, most importantly, audience members. If dance studios stopped seeing each other so much as competitors and more as colleagues, the entire dance profession would benefit.

    The solution starts as simply as making replacements: replacing mindless competition with mindful collegiality, mindless isolation with mindful interconnectedness, and mindless scarcity with mindful abundance. We must realize that the dance profession, from the smallest recreational dance class to the largest professional company, is interconnected. The entire web of the dance world is vitally linked.

    For example, the dance community is rather small in comparison with the larger world of sports. There are many more children participating in sports than the arts. Rather than interpreting this as a reason to fight for resources, we should embrace a sense of abundance. There are more than enough potential students out there to sustain every school if we focus on bringing more students into dance rather than fighting over those already there. It is to the benefit of the dance profession at every level to include more of the non-dance world inside our walls rather than put up walls within our own.

    So, how can we begin to break down the twin illusions of isolation and scarcity in the dance studio world and open our eyes to interconnectedness and abundance?

    We need to base our actions and practices on ideals that reflect the dance world as a healthy and vibrant community rather than a dire and hopeless one that lends itself to mindless behavior. Adopting a code of ethics that reinforces a mindful and wholesome outlook will not just serve as guidelines, but also help promote a positive environment for those whom they effect.

    Going forward, we all need to embrace a code of ethics that addresses these issues. The following list is nowhere near complete, but it is a place to start.

    Business Ethics for the Mindful Dance Professional

    In all professional and business relations, the dance professional shall exhibit respect, honesty, and integrity for themselves, clients, and colleagues.

    A. Respect

    A dance professional shall refrain from making negative remarks that may discredit, malign, or in any way cast reflection on the professional standing of another school/studio or teacher.

    A dance professional shall refrain from making any disparaging references to, or disparaging comparisons with, the services of others

    A dance professional shall refrain from publishing, or causing to be published, any notice, newspaper advertisement, or any other matter likely to damage or depreciate the reputation of any colleague.

    B. Honesty

    A dance professional shall accurately portray his or her qualifications or affiliations to the public especially in advertising material and avoid any ambiguity or exaggeration.

    A dance professional shall refrain from portraying his or her qualifications or affiliations to the public in a way intended to deceive the uninitiated. For example: having danced a child role in the Nutcracker with a professional company and listing it as to portray having danced professionally with the company.

    C. Integrity

    A dance professional shall refrain from directly soliciting business from another teacher or studio by approaching, in any manner the pupil, pupils or employees of another teacher and, for any reason at all, to try to induce them to join his/her school.

    A dance professional shall refrain from indirectly soliciting business from another teacher or studio by making adverse criticism against other teachers’ methods, by offering free coaching, by citing the advantages to be gained by the pupil from the change (e.g. offering roles/parts), or other similar methods.

    With each of us taking responsibility for our own actions by embracing a mindful ethical base, we can co-create a healthier, connected, and abundant environment in the business of dance schools. Moreover, with all we have in common, we might just discover we make better friends than enemies.

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    Source by James Robey

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  • The Making of a Multi-Million Dollar Insurance Salesperson

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    Every sales person or sales agent fantasizes about becoming a millionaire. This is how one individual became a Multi Million Dollar Insurance Salesperson.

    Over half the insurance agents recruited earn less than $50,000 before making a quick exist. So how do you make a million dollars, an then more? Especially when your career involves selling insurance? For me it was not by working 70 hours a week. No “get rich quick” insurance trade magazine article or ad inspired me. I don’t ever recall working with millionaire clients. In fact, in my case it would take a ton of policies to equal a million dollars premium collected, let alone commission earned. I never even received one of the over 90 insurance designations currently available.

    My case involved putting together a formula, that you could easily (with effort) mix to achieve similar or superior results. For me the ingredients were composed of four components.

    WILLPOWER I need to convince myself that I could achieve the insurance production goals I was setting. To begin, I purchased a collection of books on positive thinking. In them they emphasize phrases like “I Can” and “I Will”. I repeated these key word phrases over and over in my conscious mind, and saw some definite steady improvement in my sales achievements. Good but not good enough.

    Suddenly I was introduced to self-hypnosis and my insurance career instantly changed. This was not some occult form of hocus-pocus but sheer enrichment that builds and builds. It start with a client from England who was a professional hypnotist. I was intrigued, and he agreed to teach me how the subconscious mind automatically overrides the conscious mind. He then graciously taught how to easily hypnotize myself anytime I wanting. I programmed myself for success, and success followed.

    SALES SKILLS The so called selling skills insurance companies showed me, never really improved. I quickly saw that repetition of a bad habit is dangerous to your career. Now that my income was rising, I added another piece of dynamite to reaching sales goals faster. If I could double my closing ratio, it was simple to see my income doubling.

    I invested in the Dale Carnegie course for sales people. During this course I learned the steps that must be covered properly if you are going to expect a sale. What I did not expect was the announcement that passing the course required covering all the points in a two minute or less presentation. This is when I re-emerged a trait, I was not using enough.

    DETERMINATION I set myself a goal that surpassed just passing the course. Although there were around 25 people taking the course, I was determined. Not only was I going to pass, but my presentation would be voted the best of my fellow 2 dozen professional sales people. Needless to say, it took willpower, sales skill, and determination galore. Winning, gave me a feeling of floating sky high. After this I felt I could sell snow to an Eskimo.

    NO FEAR I have to admit, when I started selling insurance I was full of fears. It took the first 3 ingredients and one more step to prove to myself that I now had no fear. I had to do what few before me financially succeeding in trying. That was to make sales, by breaking the established rules, and doing what “experts” considered would only be done by fools. I would exchange my briefcase for a folder and yellow pad. My suit and tie would be reserved for funerals, and my dress code would be neat, yet informal. Now I was prepped for my no fear test.

    Without setting a single appointment, I opted to just knock on a prospects door, and do a simple presentation. I also programmed myself to act casual, using a “well, maybe you can’t afford it” approach if I had a closing objection. I knew most prospects have their conscious minds ready to be told they can certainly afford it. Using the opposite effect would alter their conscious thinking process.

    Starting on a Monday morning and working no evenings I wanted to test my abilities to the max. I started out well self-hypnotized and with about 50 prospect cards, some of them “leads”. Remember now, we are talking over 30 years ago. Without appointments I saw 25 prospects and made 30 straight sales of all sizes. Not a single strikeout. With over $20,000 premium and much of it in annual cash payments, I decided to stop with $12,000 in commissions. I had accomplished and achieved my goals in just four days. Yes, with a rounded effective formula you can put on the brakes.

    MY FIRST MILLION was then made very easily. For me, I proved I could become a millionaire, by breaking all the rules. My average policy size was not gigantic but my closing ratio was incredible. I did not wear a suit or tie or carry a briefcase. My cars were snazzy new Camaros and Mustangs, and I quit wasting time struggling to make appointments.

    There is one danger in programming yourself to achieve a certain goal. Since you are bound to achieve it, before applying self-hypnosis, ask yourself if it is good for your mind and body to do whatever it takes.

    To become a multi million dollar insurance salesman, do the opposite of most salespeople are doing. Develop your own prospecting methods, presentation sills, and closing tricks. It becomes much easier making an insurance sale when in your mind you have already done it, and have the acquired sales skills to back it up.

    I did it my way. You can too.

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    Source by Donald Yerke

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  • Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

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    I was lucky as a kid to have my father as a business mentor. When the time came and I entered the business world, I could not lean on him as he passed away young. The Rich Dad / Poor dad books were my saving grace when it came to financial education. Several of the concepts I knew about because of my father but the advanced strategies and the “how to” really came from the Rich Dad books. Tom is a Rich Dad advisor.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life and career. If you want to continuously improve, you have to be committed to continuous learning. Lever the continuous learning with the right associations and you will succeed in your career.

    The Cash flow quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant then you can make an OK income but if you focus on the right side then you can become rich. Robert Kiyosaki points out in Rich Dad / Poor Dad that the left sides of the quadrant people make money, pay tax and then spend it. On the right side of the quadrant people make money, spend it and then pay their taxes. This is a huge difference and can be the biggest success lever in your financial arsenal.

    Tax-Free Wealth points out 24 Tax Strategies you can use on your way to Tax-Free Wealth. For the sake of time I will point out a few along with some commentary about each.

    1. Rule # 1 – It is your money, not the governments. People tend to run scared when it comes to taxes. Remember that you are the one creating the value and making the business work, be smart and utilize tax strategies to minimize tax and maximize your investment. The key here is tax avoidance NOT tax evasion. Every concept in this book is totally legal and encouraged by the IRS.

    2. Rule # 2 – The Tax Law is written to permanently lower your taxes. All financial plans need a solid foundation. This is why you simply can NOT focus on rate of return only. You can make a huge rate of return but if you can lose it because of a law suit or 50% gets eaten up in taxes then you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start business. The reason the government does this is because businesses create jobs and that is the single biggest economic driver.

    3. Rule # 3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, Travel and other business related expenses. You can combine vacation and work legitimately and write it off as a business expense. If you travel and sell items then go on sales calls in the vacation area. If you are a real-estate investor then travel where you may invest.

    4. 4. Rule # 24 – Build massive passive income through your tax savings. This is the strongest wealth builder in the book because you lever up compound interest, velocity of money and leverage. Utilizing these three vehicles along with investment stacking and you will be rich. The goal is to build your business and make the money there and turn it into passive income and then park the added money into cash flow investments like real estate. You want your money working harder than you do. You do not want to trade hours for dollars. Let me give you an example.

    In our software company there are two ways to build wealth and that is through intellectual property and maintenance agreements. These two things used together will build a company that can be sold for 2-4X revenues. Now to foster that investment with leverage, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the business pays me comes back as investment income which means lower taxes. The new revenue the additional maintenance contracts bring foster new contracts. The next step is to use “good debt” to leverage our coverage and purchase more maintenance contract revenue with our software platform.

    In summary, you make money in your business and hold it in passive income generating assets using good leverage, velocity of money and compound interest.

    Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is lever your financial education. If you take control of your education and schedule 30 minutes per day dedicated to this then you will reap results. You cannot put your financial future in the hands of somebody else. Take on the responsibility and good things will happen.

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    Source by Joe Mosed

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  • Can Animals Get PTSD? Yes! Animal Communication and Energy Healing Can Help

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    Today, many rescued animals experience PTSD. They need help to heal before they can integrate into your family. Animal Communication and Energy Healing are two powerful tools to assist them.

    Why do so many animals experience trauma today?

    Many of the reasons are similar to those experiences that can cause PTSD in humans.

    ~~ Too early separation from the mother dog, cat, or horse, for whatever reason.

    ~~ Separation from their human family due to hurricanes, storms, flooding, fires, earthquakes, and other weather or earth-changing event in which people and their animals can become separated.

    ~~ Being shuffled from one rescue place to another in the genuinely loving effort to find the rescued animal a new home.

    ~~ Traumatic loss because the family is no longer able to keep the animal due to financial and/or health changes.

    ~~ When animals are dropped off at shelters or abandoned without explanation, they are confused, scared, hurt, angry, grieving, and afraid – just to name a few emotions that come up for them.

    ~~ When the shelter is one that kills animals after so many days, the animals know they might be killed, and the spirits of other animals killed there may be lingering, making the situation even more uncomfortable.

    This is not a complete list, but this list illustrates that one or more of these experiences may make integrating into a new loving family a challenge for the animal you’ve so lovingly adopted.

    The good news is that animals can recover from PTSD.

    When you adopt an animal from a rescue facility, you may not realize immediately that the animal is having difficulty adjusting.

    I’ve had clients ask for my assistance after struggling for a year or more to connect with a cat or dog or horse who has experienced a traumatic event.

    These clients are good, kind, loving, nurturing people who have tried everything they can think of to help their new animal companion adjust. Often they have been pouring love to an animal who is not open to receiving it.

    Of course, the sooner you ask for assistance, the sooner you and the animal will begin to build trust and open a loving connection between you.

    When an animal is emotionally shut down, afraid of experiencing yet another loss, and/or distrustful that this will be their “forever” home, something else must be added to the equation to assist them.

    Whatever history you have about the animal is also a very important piece of the puzzle.

    Using my Animal Communication and energy healing skills, I can offer you and your new companion special assistance.

    Over several sessions, I am able to establish a rapport with an animal who is very shut down.

    It can actually help me connect with them because I’m not physically present.

    Working from a distance, I can easily make a telepathic connection, which some animals experience as less intrusive than a human stranger being physically in the animal’s space.

    Furthermore, telepathically and energetically…

    ~~ I can feel what the animal is feeling because I’m a strong emotional empath.

    ~~ I can feel if the animal has a huge wall around themselves, or just needs some additional reassurance.

    ~~ I can feel if the animal is distrustful and can suggest ways of building trust.

    ~~ I can often feel if the animal is hiding something or lying to me and/or to themselves.

    ~~ I can ask other animals in your family for any insights they want to share, assuming they have already met the new family member. These often prove to be of immense value in understanding what’s going on with an animal who is too closed down to share very much.

    ~~ I can scan the animal energetically, with the animal’s permission, to pick up energy patterns in their auric field, chakras, and physical body.

    Once we have a better understanding of what’s going on for that animal, we together develop a plan of action.

    ~~ Sometimes Flower Essences are a good way to start. I am able to suggest appropriate essences to assist you and your animal companion(s).

    ~~ As a Certified Practitioner of The Emotion Code™, developed by Dr. Bradley Nelson, I know what a valuable tool this is for assisting an animal with PTSD. (This system has also been shown to be effective with humans.) Releasing emotional blocks and reducing or eliminating walls around their hearts will bring about huge healing shifts.

    ~~ As a Certified Multidimensional Healer, I work with healing teams from Source to remove the energy patterns of trauma, repair chakras and other damaged areas, assist the animal’s bodies to rebalance, and bring the animal into a space of harmony, peace, and openness to their new life circumstances.

    ~~ I may also refer you to other practitioners who offer many other alternative services that will assist the animal, such as acupuncture, chiropractic, Theta Healing, and basic training for dogs and horses.

    Having a “plan of action” helps you and the animal know what next steps to take and have a sense that there truly is hope of healing the animal and the entire situation.

    Have you recently brought home a new animal or are planning to adopt from a rescue place?

    If so, keep in mind that while coming to your home is the best thing for this animal, in some cases you many need to take some extra steps to help the animal integrate and become part of your loving family.

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    Source by Nedda Wittels

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