Global Digital Store – Ebooks and Softwares

Tag: Day

  • Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

    [ad_1]

    Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

    Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

    With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

    Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

    The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

    The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

    Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

    A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

    An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

    Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

    With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

    If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

    Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

    [ad_2]

    Source by Mike Kennedy

    Views: 0

  • How to Transition to a Bodybuilding Lifestyle

    [ad_1]

    Many of us spend time looking in the mirror, wishing for this or that, but the bottom line is that we as humans strive for improvement. Think about how great it feels to accomplish something big and see yourself rewarded for it. Looking at the mirror thinking about how you can improve your physique can be related. Improving your physique is a lot like improving other areas of your life. You’ll feel very accomplished when seeing results, and in turn, motivating yourself to strive to get better. Many of us want the end result, but in order to get that end results, you have to work for it. You won’t get a bachelor’s, or masters, or PhD by wishing you had one. These are all separate goals or achievements in the education process, just like you may have certain steps or goals for your physique accomplishment. The big problem here is transitioning into a healthy lifestyle or a bodybuilding lifestyle. This article will provide you with a step-by-step process on how you can transition from your current lifestyle, into a bodybuilding lifestyle or at least a lifestyle revolved around fitness and improving your physique.

    Step 1: Desire the change

    The first thing you need to do is to WANT the change in lifestyle. If you aren’t committed towards this lifestyle then it will eat you up. You have to want this. Some people are in unfortunate situations where they NEED it. Let’s hope you aren’t at that point because if you need it, but don’t want the change, that can be a serious problem. If you are serious about the lifestyle and desire the change, then you’ll be a lot more motivated. Motivation is key because increased drive can spell more desired results!

    Step 2: Seek Support

    No matter how much you think you know, there is always more to be learned. Bodybuilders at all stages of the game still always seek support from other people and it’s this support that can really help their physique grow. Thinking you know everything can lead you down the wrong path. Despite my experience as a bodybuilder, I’m always looking for more information or taking advice from competitors and coaches. Information can be a key to success.

    Step 3: Be consistent

    We want results that will last, not temporary results. Being consistent will help you establish results that will stick with you for the rest of your life. Continuing to pursue bodybuilding or a healthy lifestyle will give you just that, a healthy lifestyle. One of the biggest ways to achieve your best physique possible is by constantly putting in the work day in and day out.

    [ad_2]

    Source by Michael Caputo

    Views: 0

  • Rich and Varied Heritage

    [ad_1]

    India is always remembered as a land of diverse cultures. The geographic position, climate and the extent of exposure to foreign cultures have totally influenced the traditions and culture of the different regions at different periods. The greatness of Indian culture has been in adopting the best from all the invaders and intermingling their customs and styles with the existing and this is visible in all aspects of culture.

    Indian culture have always been attached to the great river systems, the watersheds of the Indus and Ganges, the Deccan plateau and South India.

    Secular India is home to Hinduism, Islam, Christianity, Buddhism, Jainism, Sikhism and other innumerable religious traditions. Hinduism is the dominant religious faith followed by the majority of the population. Colorful traditional festivals are almost 400 that have been happening for centuries. Not a single day passes by without a festival in one region or the other. It is an occasion for men to put on a new traditional costumes and jewelery.

    Traditional wears like the silk saris, cholis have fascinated many a traveler over the centuries. Men in villages are still more comfortable in traditional attire like kurtas, lungis, dhotis and pyjamas.

    Indian literature, Indian poetry, Indian epic poetry Ramayana and Mahabharata, Painting, Sculpture, Architecture- everything is depicted and interpreted through religion and philosophy.

    Well known classical styles of dancing on the Indian stage are Bharatanatyam, Kathakali, Odissi, Kathak, and Manipuri. Folk dances also contribute to the plethora of Indian dances. The common root of all classical dance forms can be traced to Natyasastra, ascribed to Sage Bharata who is believed to have lived between the 1st and 2nd Century AD

    18 Indian languages with 1600 regional dialects are spoken and the linguistic lines are drawn by State boundaries Besides Hindi and English, the other popular languages are Assamese, Bengali, Gujarati, Kannada, Kashmiri, Konkani, Sanskrit, Sindhi, Tamil, Malayalam, Marathi, Punjabi, Oriya, Telugu and Urdu

    Indian Cuisine skill lies in the subtle blending of a variety of spices to make various delicious recipes. These spices are used as home medicines too.

    A typical North-Indian meal would consist of wheat. Rice is the staple diet in South Indian food. Coconut and oil are essential ingredients in all the meal. A meal is rounded off with betel leaf which holds an assortment of digestive part.

    Women are the mirrors of culture of a society. Indian women are becoming increasingly visible and successful in the professional and public sphere. Whether it is Barkha Dutt, Arundhati Roy, Kiran Mazumdar Shaw, they have all heralded the arrival of Indian women professionals.

    Latest outsourcing of technological agility, quality, flexibility, cost control, time-to-market and competitive advantage have made India well known in the business world.

    India exports software to 95 countries around the world, outsource high quality brain-power 82% of the US companies ranked India as their first choice for software outsourcing.

    [ad_2]

    Source by Shobana Sridhar

    Views: 0

  • Quick Guide to Build Good Habits and Break Bad Ones

    [ad_1]

    Most of us find ourselves doing something that people wish we’re able to stop. Bad habits can certainly become elements of our lives, keeping us back, or annoying us (and our family members).

    Here are quick guides to build good habits and break bad ones:

    Identify The Habit You Need To Change First

    You have to notice your unfavourable habits first. You must first notice that you have a habit that you would like to improve. If you really know what that habit is, then you can deal with it. Most of us already have lots of cons that we wish to change. Don’t make an effort to attack everything simultaneously, though. Prioritize your bad habits, and choose the one to give attention to first.

    Take Small Steps

    Depending on the habit involved, small steps might be needed to be taken to be able to succeed. While some individuals are lucky when they quit smoking frosty turkey, not everyone succeeds with this technique. They could need to step back by smoking lesser cigarettes each day, or looking for other ways that could help them step back little by little. Also, in a situation whereby you wish to stop watching TV. In the event that you are being used to watching 4 hours of TV every night, it will be hard just stopping. You will need to reduce 1 hour out of the time at first. Make your changes little by little, but surely in a manner that is manageable for you if you need to help make the changes in your daily life “stick”.

    Substitute Bad Habits With Good Habits

    You’ll be more successful if you substitute a bad habit with a good habit in most cases. Many number of people replace smoking cigarette with gnawing sugar-free gum. If you want to get over a bad habit, it’s vital that you look for a good habit to substitute it with. Slowly but surely, the good habit can be your normal habit and the bad behavior will disappear.

    Try a Challenge

    Most times, it benefits to truly have a challenge when you really wish to get rid of unfavourable habits. Get one of these weeklong a challenge to start out, to see if you can do something different for a whole week. Afterwards, you can extend the challenge. Another strategy is to have a thirty-day challenge. They state that it takes twenty-one days to build up a habit, so a thirty-day challenge should help you substitute your unhealthy habit with a good one.

    After Success With One Habit, Tackle The Next

    Once you’ve acquired success with one habit, move to another on your list. Be sure you recognize your good endeavors and then consider what other bad habits you need to get gone. The fact that you have previously been successful once is likely to increase your self-assurance in your capability to move to the next habit, allowing you to substitute it faster than you did the previous habit. If you can continue with this exercise through your list such as this, it’s likely you’ll find that you truly can substitute the majority of your bad habits with good and change your overall life for the better.

    [ad_2]

    Source by Reshali Balasubramaniam

    Views: 0

  • Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

    [ad_1]

    What if you could make $100,000 a year welding from home?

    What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

    From Home Welding # 1:

    Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

    Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

    Let’s say you are good enough with TIG to weld razor blades or pop can butts.

    If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

    6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

    From Home Welding # 2:

    I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

    I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

    Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

    From Home Welding # 3:

    Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

    On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

    The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

    Here is where the magic of size makes all the difference.

    The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

    What would a horse cut from a 4′ x 8′ sheet sell for?

    $300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

    You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

    There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

    Step A:

    Find what will work best for you.

    Step B:

    Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

    Step C:

    The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

    Conclusion:

    You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

    What should you do next?

    [ad_2]

    Source by Scott R. Linden

    Views: 0

  • How to Lose 80 Pounds in Ninety Days Or Less! Two Powerful Secrets They Don’t Want You to Know

    [ad_1]

    Do you want to lose 80 pounds in ninety days or less? Do you want to get rid of the stubborn stomach fat and become more lean and sexy?

    Well, I have the answers for your questions. But before that, here is my story-

    I weighed 250 pounds and had a huge 40 inch waistline. I do understand the way you feel. After being frustrated with weight loss pills and fad diets, I gave up. But then I came across these two powerful secrets which changed my life.

    After using these secrets I lost around ninety four pounds in just seventy four days. If I can do it, so can you!

    Warning: There is a disadvantage if you use these secrets. You will definitely lose 80 pounds in ninety days or less if you follow this method.

    But the problem is, you will have to follow a healthy lifestyle if you want to maintain that weight.

    With that said, here are two secrets to help you lose 80 pounds in ninety days or less…

    Secret # 1 – The Apple Diet

    The apple diet is one of the best diets on the planet. During the course of this diet, you are allowed to eat apples and drink water. Nothing else. You can bid goodbye for your junk foods.

    How Long Should The Apple Diet Be Followed?

    The Apple Diet lasts usually for around three to five days. I understand that it’s not possible for some people.

    If it’s not possible for you, you can still follow the diet and lose 80 pounds. There are lots of variations to this diet. Here’s one of them:

    Follow the diet for only one day every week for the next three months.

    What Are The Benefits Can You Expect From The Apple Diet?

    1. All the unwanted toxins present in your body will be washed away.

    2. Your body’s fat burning process will quadruple

    3. All your skin problems like acne will reduce or be completely gone.

    4. You will have lost a lot of weight.

    5. You will have more energy.

    6. Your immune system will be stronger

    7. You will have better bowel movements

    8. Any infections will go away

    Secret # 2 – Replace Your Drinks

    This is a powerful secret. Replace all your drinks with Water or fruit juices. For the next 90 days, don’t drink coffee, sugary soft drinks or alcohol. Here is what you can drink…

    1. You can drink green tea

    2. You can drink Apple/Lemon/Grape juices

    3. Cranberry Juice

    During these ninety days, stay away from junk foods and processed foods. Also stay from supplements that promise miracles.

    And keep drinking lots of water. This is the simplest and the fastest way to lose 80 pounds in 90 days or less.

    [ad_2]

    Source by Jennifer DeAngelo

    Views: 0

  • The Renegade Network Marketer is Attraction Marketing

    [ad_1]

    In case you have not read the eBook by Ann Sieg called The Renegade Network Marketer, be sure to get your copy here. By reading this book you will learn new concepts on how to build your Network Marketing business or any business the smart way in this digital age.

    Inside Sieg’s book she targets a distinct group of people that are discouraged that their Network Marketing business is not going as planned. Every single day this group searches the internet for solutions and the Renegade Network Marketer provides the answers. Ann has exposed the upline sponsors for the ever tiring methods and myths that they are teaching to new recruits. If you have grown weary of hitting on or have just plain run out of friends and family this system is perfect.

    The Renegade Network Marketing eBook is full of valuable and practical information on how to prospect, market, and sell, specifically in the Network Marketing industry by using the internet. Even if you don’t belong to a Network Marketing Business, you can still purchase The Renegade Marketing System eBook and still make money as an affiliate.

    A new doorway has been opened by The Renegade Network Marketer which is leading the way to working smarter in attracting targeted prospects into your network marketing funnel. You will learn how to how to qualify prospects, position yourself as an expert and how to make your internet marketing efforts count. In order to keep you ahead of the trend in professional network marketing, there is ongoing continuous training. Whether you are just starting out or you just want the know how to grow your business this marketing concept is flawless.

    Cash flow is vital to any business and Sieg has also incorporated in her system the opportunity to make multiple streams of income. When you purchase the e-book you also gain access to a Back Office with a huge amount of information and tools to market and track your new business. Once you’ve read the book, you’re ready to get started setting up your own attraction based marketing system.

    The difference with being directly linked to Ann is that she has an incredible team and system in place. This is backed up with free membership in the Renegade System where you can put what you have read into practice right away. You’ll find many other helpful resources at The Renegade System website such as website development, copy writing and traffic generation.

    Ann has taken attraction marketing to a whole other level by teaching the principles of marketing. The ideas I got from the book suddenly opened my eyes to see network marketing business in a totally new light. The path in front of me has never look so bright. In our lifetime as network marketers we have no doubt made several attempts at making money did not go exactly as planned. Would you agree that those attempts in question had to do with the number of people that didn’t find your network marketing business as attractive as you did?

    In a nutshell, The Renegade Network Marketer eBook renders a complete Internet attraction marketing system for network marketers at a very low cost. The book comes risk free with a money back guarantee. This kind of training which is always being added could very easily cost thousands and I am sure somewhere it does. If learning the highly coveted secrets on how to attract and qualify prospects instead of chasing them down appeals to you then this eBook is for you.

    [ad_2]

    Source by John Kellerman

    Views: 0

  • 12 Benefits and 12 Challenges of Being an Entrepreneur

    [ad_1]

    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.

    [ad_2]

    Source by Evelyn Gawlowska

    Views: 0

  • When Your Husband Leaves You Without Any Warning

    [ad_1]

    I often get correspondence from wives who are now living alone but who never saw this coming. Generally, they will come home from work or from running errands one day and find that their husband has left them. Or, the husband will abruptly pack his bags and announce that the marriage is no longer working for him and he thinks that he might “want out.” However this plays out, often the wife will tell me that she had no real warning and that this was very much an abrupt and unwelcome surprise.

    I often hear things like “I can’t believe he left me. I never really saw this coming. I knew we had issues, but every married couple has issues. I just can’t believe that he would leave me without ever trying to work things out. And, I don’t know where to go from here. I don’t want a divorce. I want him to come back home, but I’m so angry that he didn’t try to approach me first that I don’t even know how to approach him. What should I do?”

    The answer to this question is going to depend upon the circumstances and the people involved. But, it will often help to deal directly with the real situation that is in front of you, rather than trying to deal with the situation that you envision or hope exists. I will discuss this more in the following article.

    Don’t Focus Only On The Fact That You Had No Warning When He Left. Focus On What To Do Now And Where To Go From Here: It’s completely normal to be floored by the fact that one morning you woke up with a husband living at home, but by evening you were alone without any warning. This is an abrupt blow that can be devastating. But, because it can be important to act quickly, you will often have to make a conscious decision not to focus on the way in which this happened.

    Yes, your husband could most certainly have handled this in a different and preferable way, but neither of you can change that now. There’s a real risk in allowing your reaction to how he handled this to interfere with how you act toward him in the present. It can really help to ask yourself what your ultimate goal is in this situation. Some women will just want to handle themselves with dignity and grace while coping and moving on in the best way that they know how.

    Others will decide that their primary goal is to get their husband to come back home as quickly as possible. Often, what will help with one of these goals will also help with the other. No matter what you decide that you ultimately want, it’s my experience that you will often have an easier time getting it if you focus on what is right in front of you rather than the manner in which it happened. Yes, being blindsided is very painful and shocking, but it can hurt rather than help the situation to dwell on this rather than taking action.

    Evaluating What Is Going To Most Improve Your Situation: Once you’ve decided where you want to go from here, it’s important to step back and to try to take the emotion out of it to come up with the strategy that is most likely to get you what you want. It’s so easy to lash out, feel resentful, and to feel sorry for yourself. But these things usually won’t get you any closer to what you want. In fact, allowing your feelings to run your actions will often keep you from getting what you want.

    Debating with your husband, arguing with him, or lashing out will often push him even further away and just make you more upset with your situation. It’s usually better, at least in my experience and observation, to try as best as you can to limit yourself to the actions that strengthen you and allow you to feel in control rather than to surrender to those feelings or actions that are natural (and may relieve some tension) but which will only make the situation worse.

    It’s usually when you can somewhat rise above this and handle yourself with strength and calm that you will often begin to gain some ground. I absolutely know that this can be difficult. Sometimes, you might need to wait to interact with your husband until you can actually be calm. This may not be possible in the very beginning. But it can really help to always keep in mind your ultimate goal so that you don’t lose control of your strategy.

    Interacting With Your Husband During This Difficult Situation: It’s probably fair to say that there will come a time when you will need to communicate with your husband about where your marriage is going from here. Whether it’s fair or not, your husband has sent a clear message by leaving. Now, it’s up to you as to how you are going to reply to that message. But, before you do, define how you ultimately want for this to turn out. If you could put aside the shock, the hurt, and the fear, what is your greatest wish right now? The answer to this question is what you must place your focus upon.

    Because I would argue that no matter what your ultimate goal is, you’ll usually get closer to it by trying to interact with him in a positive way. Even if you are ultimately going to end the marriage, this was an important relationship in your life and it will likely help you going forward if you can keep this as positive as you can. If you want to save the marriage, improving your relationship and communications going forward will go a long way toward helping you to eventually save your marriage.

    There is absolutely nothing wrong with telling your husband that although you’re devastated that he would leave you without warning, you would like to interact with him in a positive way going forward. Since the two of you were once the most important people in one another’s lives (and may well still be) it just doesn’t make sense to allow for one negative action to turn into something that is even worse. He may not be all that receptive to this at first, but when he sees that you’re not reacting as he anticipated and are working with him rather than against him, you will sometimes be able to slowly rebuild with time. This is often true even if you are not 100% sure how you want to approach him right now.

    [ad_2]

    Source by Leslie Cane

    Views: 0

  • Misophobia – Causes, Symptoms and Cure

    [ad_1]

    Misophobia in plain words is fear of contamination. The person believes that he is in danger of coming into contact with contaminants and being infected by dust and dirt. He takes a shower several times a day, washes his hands and wears gloves to protect them. He can use as many as ten towels a day as he does not use the same towel twice. The person has an unrealistic fear of being in danger and even the simple act of eating an apple requires that he wash the apple several times before eating it. If the person cannot satisfy his need to do this he might have a panic attack.

    Symptoms of Misophobia

    • The person has an unnatural fear of dirt and is constantly cleaning and wiping the kitchen counters and dusting the furniture.

    • He becomes anxious and believes he is going to die and has a hyper-ventilation attack where he is gasping for breath, feels nauseous, is unable to speak coherently, sweats profusely and has a racing heart. He then worries about his pounding heart and makes the condition worse.

    • He has been told several times that there is no danger but because he has suffered from the condition for so long he mistakenly believes that he can never be cured and lives his life worrying about every little thing. Like the fear of heights or any other kind of irrational fear when the person is suffering an attack he or she is impossible to speak to when the panic starts. Even thinking about ridding himself of the problem can trigger anxiety.

    Hypnotherapy treatment

    In a nutshell the sufferer has a template of anxiety which has to be changed. There is a fear of loss of control which could have started in the past and this has to be addressed. Therapy in this regard is most helpful as the therapist can walk the sufferer through his fears when he is calm and the person sees that he has nothing to fear. His reality is recreated and his fear is minimized. If he sticks with the program he can change irrational fear which has plagued him all his life with healthy thoughts. It is like reprogramming a computer; you delete the past and write a new chapter for yourself. The brain, like the motherboard, follows the new instructions and the person eventually believes that his fear of germs and bacteria can be brought under control. He is able to relax and separate normal fear from deep panic and anxiety and take control of his life.

    [ad_2]

    Source by Manu M

    Views: 0