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  • What Is a Relationship Mission Statement

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    RELATIONSHIP VISION

    Aligning values in relationships is a good thing to do intentionally. Think about how most people go through relationships. Does one person give up important values for the other? Is there conflict in the relationship? These things usually happen when values and beliefs aren’t talked about and don’t align with each other. Most conflicts in any relationship is due to differing values or beliefs. After all if we all agreed on what is most important there would be no need to argue. A Relationship Mission Statement can help!

    WE ALL COME FROM DIFFERENT BACKGROUNDS

    Think about how you grew up, your environment, money, food, school and so many other things. Did you partner grow up the same? Did your parents teach you different lessons regarding TV, meals, religion, or friends then you partner? We all bring expectations into our relationships but most likely they aren’t the same for each of us. So why do we think things are supposed to magically work out without talking about it, creating goals, or aligning values. Eventually if the bumps can’t be smoothed out then couples tend to search for someone like me. This is not a bad thing, seeing a professional can be incredibly helpful and restore the peace and longevity of your relationship.

    CHECKING IN WITH YOUR PARTNER

    For now let me provide you a simple way to check in with each other, communicate, and look at the future. Creating a Relationship Vision is a simple and helpful tool. It doesn’t take much time and can really target the lasting happiness of your relationship.

    A few steps to creating a Relationship Vision Sit down by yourself for about 30 minutes. Remember it doesn’t have to be done in one day.

    SIMPLE STEPS TO FOLLOW

    1. Go for the positive

    When brainstorming phrase things in a positive manner. For example instead of saying “we don’t argue” say “we will settle things calmly and peacefully” or “we trust each other” instead of “we won’t be jealous”.

    2. Write down your non-negotiables and desires

    Write down your “must-haves” such as “we will parent together” or “exercise is important” or “we will communicate openly and respect each other’s perspective”. You could also write things like, “going outside of our union is non negotiable”, “monogamy is of the utmost importance “, “attending church is a priority”, “traveling and experiencing the world with my partner is a high priority.” Make sure it’s not a laundry list for your partner, i.e. he mows the lawn and she does the laundry.

    3. Explore several areas of a relationship

    Since we have a multifaceted life it is important to address as many of these as you feel necessary. Expressing wants, desires, and values with sex, finances, lifestyle, parenting, career in-laws, leisure time and education are just a few of the things you may want to consider in You Relationship Vision. Answer questions about these topics such as what do I enjoy in my free time? How important are finances? Do I want to work full time? Do I need a 401k? What about insurance? Does my job need to provide this? What percentage or amount of time do we spend with in-laws? How do we allow them to interact with the children? Is sex satisfying? Do we want to explore new sexual ideals? Do the answers align with my values?

    4. Come together

    Come together as a couple and discuss the things you agree on first. Then Discuss what is negotiable and create short sentences expressing what is important to both of you. Leave the things that you don’t agree on for last. See if you can compromise on these issues if not this is where someone like me comes in. Having a professional help couples work through the hard stuff is helpful and will benefit your relationship for a lifetime.

    5. Come up with your statement.

    It doesn’t have to be long, complicated or directive. As a matter of practicality it’s better to make it succinct, covering the overarching theme of your intentions for your relationship.

    Examples

    We are co-creators of our lives, sharing a desire to love and be loved unconditionally, by consciously determining our behaviors and the outcomes we wish for ourselves and our family. We value respect, trust, non-judgment and self-control. We bring our best selves to this union, casting out destructive, egocentric motivations so that we may achieve the most positive and loving lifestyle we are capable of.

    We agree to always love and cherish each other and recognize how fortunate we both are; each of us consider ourselves the ‘lucky one.’ We build a healthy lifestyle together, where we support each other in getting exercise, eating well, having fun, resting and relaxing. We make all important decisions together, as a team. We don’t keep secrets from each other. We confide in each other and feel safe in each other’s care.

    We’re together to build a loving family and teach our children about healthy relationships. We create a sense of stability by having some routine but also make time for fun and spontaneity. We don’t intentionally hurt each other, but recognize we still do – and so we quickly and readily apologize. We take care of each other.

    6. Schedule a time

    Weekly, monthly, quarterly or whatever works for you, but make sure you come together to gauge if you are on track. This is the best way to ensure you both get your needs met and can address it if you’ve gotten off track. This will also provide space for growth. Since nothing in life stays the same, people, situations, events, or relationships, this provides room to renegotiate, change your Relationship Vision as the both of you change.

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    Source by Roxanna Teeling

    Views: 0

  • Poultry Farmer Millionaire’s Biggest Secret Exposed! Become the Next Poultry Farmer Millionaire

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    In this article I will show you how you can increase your current egg production and triple your current revenue! I will show you how to be a professional and successful poultry farmer!

    Did you know there are thousands of successful millionaire poultry farmers out there? And I will reveal one of the biggest secret of success that will drastically triple your current egg revenue.

    One of the biggest secret that every poultry farmer should know is that chicken needs love, protection and comfort, just like human beings. And in order to provide these 3 keys of success you need a chicken coop!

    Chicken coops are the biggest secret of poultry farmer millionaires! This is why brand new quality chicken coops cost on average one thousand dollars.

    Why are chicken coops so effective? This is a very good question and the reason why they are super effective is because they provide:

    Protection: they create a huge and powerful barrier from the outside world. This means that it will make the lives of ferocious chicken predators a lot harder to kill and eat your beloved birds. Quality chicken coops provide spiky metal wire fencing that will warm and harm ferocious predators to will trespass your property.

    Comfort: most hen houses are made from wood with luxurious and comfortable interior. For instance you can make fluffy beds for every bird and have zones for water and food. Make the house like a home for your beloved chickens.

    Love: all of these can be translated in to one word: love. And this love of protection and comfort will make the chickens to produce 3 times for eggs then they would if they were living outside of a coop. This comes natural to them and why it wouldn’t? They got the perfect environment to raise their kids (eggs). And this is the perfect opportunity for you as a professional poultry farmer to increase your revenue!

    As I said quality chicken coops costs thousands of dollars, however you can also drastically reduce the costs by simply doing some DIY work. This is the ultimate secret of professional poultry farming and every single poultry farmer millionaire uses this tactic.

    To build a quality chicken coop from scratch only takes few hours and it only takes some cutting, hammering and painting. All you need is a good set of chicken coon DIY plans; these plans will guide you step by step in the entire process of building a highly effective chicken house. By simply following these easy to read DIY guides you will be able to build a quality chicken coop in no time.

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    Source by Smit Chacha

    Views: 0

  • Did the Power of Prayer or Pembrolizumab Cure Former President Jimmy Carter?

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    Former US president Jimmy Carter announced his brain cancer has disappeared, but is it due to a miracle or a medical miracle?

    In August 2015 former President Carter had elective surgery to remove a tumor on his liver. As a part of the process a scan discovered four spots on his brain. The diagnosis was stage IV melanoma. Stage IV melanoma is a kind of cancer that starts in the cells that produce the pigment that gives your skin its color, known as melanocytes. A stage IV diagnosis means it has spread via the bloodstream, or through the lymphatic system, to other areas of the body. The American Cancer Society (ACS) estimates that approximately 76,160 cases of melanoma (also referred to as malignant melanoma) were diagnosed in the United States in 2014. While melanoma accounts for only approximately 5% of skin cancer cases, it is estimated to be responsible for the vast majority of skin cancer deaths. The prognosis is generally not good for a person diagnosed with stage IV melanoma, especially one that has spread to the liver and the brain. The overall 5-year survival rate is about 15% to 20%, depending on the age and overall health of the person. The median survival is 6-10 months. The traditional course of treatment is surgery to remove tumors, radiation therapy, chemotherapy, and more recently, clinical trials, targeted therapy and immunotherapy. However, these numbers may be changing as the newer immunotherapy and targeted therapy have led to important improvements in patient outcomes. Recently an immunotherapy treatment made the news when it arrested acute lymphoblastic leukemia, saving the life of an infant in the UK.

    Pembrolizumab breakthrough treatment

    Former President Jimmy Carter was given a new breakthrough treatment Pembrolizumab. Pembrolizumab is sold under the brand name Keytruda and was developed by Merck & Co., Inc. in the United States. In September 2014 it was one of the first immunotherapy drugs approved by the Food and Drug Administration (FDA). Instead of killing cancer cells, immunotherapy drugs are designed to boost the body's immune system to fight cancer. Pembrolizumab is a monoclonal antibody. Recent studies involving Pembrolizumab have shown the drug has increased overall survival of melanoma patients. Although the long term outlook is still unknown, it is only thought to extend survival in patients and not necessarily be a cure.

    Science Proves the Healing Power of Prayer

    It's no secret that former President Jimmy Carter is a devout man. Carter was born and raised in Plains, Georgia as a Southern Baptist. He continued his religious beliefs into adulthood. He attends church everywhere he travels, teaches Sunday school, performs missionary work and is known to pray every day. Prayer groups around the world have undoubtedly been praying for the healing of the former President, along with his family and friends. For the devout, there never has been been any question that prayer has the power to heal, but others are skeptical and want scientific proof. Current research from leading hospitals and universities across the US has shown conclusively a belief in God really is good for you, making you healthier and happier, and helping you live longer. Prayer is a practice that reaches across all religions, and even to those who do not believe in a deity. "Studies have shown prayer can prevent people from getting sick – and when they do get sick, prayer can help them get better faster," Duke University's Harold G. Koenig, MD, states. An extensive review of more than 1,500 reputable medical studies "indicates people who are more religious and pray more have better mental and physical health." And out of 125 studies that looked at the link between health and regular worship, 85 showed regular churchgoers live longer. A CNN poll arrived that 73% of Americans believe in the power of prayer. Research that primarily focused on the power of prayer in healing has almost doubled in the last decade.

    So is it possible that former President Jimmy Carter has been healed by God or by a new breakthrough drug? Maybe both.

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    Source by Lisa M Manley

    Views: 0

  • What Do You Think When You Hear The Word Success?

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    Success… It is repetitious… It is as easy as following proven steps… No different from K-12… Only difference is your education is put to the side and the knowledge of life becomes self-driven with determination. You become a part of your inner being. The old ignorant self of you begins to diminish and becomes a past erased. It becomes a tool instead of an excuse. You become a product of your environment in any circle you choose to be in…

    So should you choose to be successful, you only fraternize with like-minded people who are making a move forward. With an idea, faith, or negative changing positives. Your world and how you choose to live it is in YOUR hands. The way you choose to make your bed in the morning is how you lay in it.

    Success… It is something that is self-attainable through being involved with your own kind to build a strong case or strong foundation for which the environment you live in.

    Success… It is the reaction after you fail. Aaliyah said it best, “If at first you don’t succeed. Dust yourself off and try again.” An inspirational song with a meaningful message. It is what I call the dreamer anthem. Humans make mistakes or take wrong turns in life. It is how they articulate a new path and trying to distinguish a stop sign from a freeway.

    Let’s face it; it’s easier to get on the freeway to get somewhere. More gas for your mile and more time spent doing other things.

    The back roads are for leisure.

    You have to be willing to leverage you. Leverage the work with a team as a collective energy.

    Success… It is a building. It can be your cardboard box, your cottage or mansion. Depending on your goals and how you obtain the building materials to house your mission.

    I have been reading, The 250 Personal Finance Questions Everyone Should Ask, the author Peter Sander types the question, “What personal character traits are required for financial success?” Then he goes on to mention a few simple steps. Awareness is a key component to keeping track of your current finances. Step two, have the Commitment to carry out the plan that you put in place. Finally, in step three he mentions Control, the most important tool because temptations are the devil (Bobby Bouchey voice)… LOL! In a sentence or two he mentions how you have to look at the bigger picture of your plan.

    One powerful book to sit down and read.

    Success… It has a following. It is your Twitter, Facebook, and Instagram to life. Of course it filters out the nonsense. You can’t bring all of Yo momma this and into your life but, the concept is merely a metaphor. People who follow you they follow you because they are attracted to your content. You become a brand. You have the appearance of success. Your following goes where you go.

    Lastly, Success… It is a lifestyle. It’s how you wake up in the morning. It is the way you stare at yourself in the mirror. It is type of food that your body takes in. It is the way you risk your life for happiness. You can be anything you want to be. You have to make the decision for YOU. Everything in life starts with you. “Life is what you make it.” So live in 2013 making your actions ring and you will be rewarded with a feeling that can’t be replaced by money any day. I’m going to end this with a great quote.

    “Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it. “

    -Bruce Le

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    Source by Tyshaun M Taylor

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  • Reduce Your One Pound of Weight in Every 72 Hours

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    Faster Weight loss technique

    The biggest problem that we can see among many people is gaining weight. 80% of female and 20% of male facing the problem of increasing weight because of their weight they feel embrace in-front of others and taking themselves for granted, they thought that they can’t look beautiful and charming because they thought that they can’t earn a beautifully shaped body But their thinking is wrong, a fat person can look beautiful and can also get a beautiful figure with one condition of adopting a correct way. Many people do exercises, follow a strict diet plan. Avoiding their favourite food etc. but, all this way doesn’t work faster. These ways give you a shaped figure in months or year but RED DETOX TEA is only way or technique that will reduce your one pound of weight every 72 hours. Many questions arise that what is Red Detox Tea? Why should Red Detox Tea be preferred more than green tea? How it is so beneficial?

    Better than any other weight loss technique

    Red tea is basically a Rooibos which we can also call red bush, it is a type of plant that readily available with so much potential and it is very impactful than any other exercise or even very good than green tea. It does not have caffeine but green tea have caffeine, if you want to drink red tea at night it will not leave you restless. Another attribute of red tea is taste, It is less bitter than green tea. Most of the time it happens people drink green tea to reduce their weight but its bitter taste stops them to drink it again but with the launching of red detox tea this problem is simply solved.

    Weight loss technique that good for health too

    Red detox tea will not only reduce your weight but also keep you away from the risk of many diseases, the antioxidant like Aspalathin and Nothofagin it have, will help you to control your blood sugar, reduce your extra fat, also reduce your stress, and other metabolic disorders.

    Weight loss technique for all ages

    This product is not only for adult or only for younger, but people of all ages can also prefer it to reduce their weight because of its recipe designed in a way that provides benefits to all ages without any side effects. People who are in the stress of losing their weight should prefer this. Red detox will reduce your one pound of weight only in 72 hours which is a very fast process, and also an affordable price. https://bit.ly/2QMABNz

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    Source by Muhammad Younus Umer

    Views: 0

  • Organic Farming: Key to Healthy Living?

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    What is organic farming? How it promotes healthy living? Organic farming is a form of agriculture that relies crop production on green manure, compost, and biological pest control instead of using pesticides and herbicides. Therefore such process can help individuals have a healthy lifestyle because of the absence of chemical content.

    These organic agricultural methods are internationally regulated and legally enforced by many nations. In our cooperative, all our suppliers’ farms are fair-trade and organically certified by an international certifying body. Fair-trade in the sense that we follow the international fair-trade protocol especially in terms of wage compliance requirements and child labor laws. Organic also because the only allowed fertilizer in our farms is SALT. It is based on minimal use of off-farm inputs and on management practices that restore, maintain and enhance ecological harmony.

    With the increasing environmental awareness of the general public here and abroad the originally supply-driven organic movement transforms into a demand-driven one. For coconut farmers, premium prices attracted farmers to convert their farms into organic.

    Organic farming methods is a mixture of scientific knowledge of ecology and modern technology because practices are based on naturally occurring biological processes. It is also concerned with protecting the environment and working in harmony with existing ecosystems, including conserving water, soil and energy, and using renewable resources and natural farming cycles.

    Moreover, organic foods are not necessarily completely chemical free. They may be grown on land not previously used for organic food production and, therefore, might contain chemical residues. However, the pesticide residues in organic food are considerably lower than those found in foods produced with synthetic chemicals.

    Most people buy organically-grown food products because they are concerned about pesticides, additives, antibiotics or other chemical residues. Although pesticide residues in fruit and vegetables are monitored, many people believe organic food is healthier. Some people worry about the long-term health, economic and environmental consequences of genetically manufactured foods and choose organic foods.

    Organic foods promote healthier and more sustainable use of natural resources. Modern farming methods, including excessive use of chemicals, have led to a decline in soil fertility, and an increase in salinity and blue-green algae in waterways over many years. Organic farmers try to minimize damage to the environment by using physical weed control, and animal and green manure.

    Organic food is often more expensive than conventionally-produced food because organic farming generally operates on a smaller scale. The production is more labor intensive and yields are generally smaller. It is a known fact that when you use herbicides and pesticides, you get high production.

    Despite this problem, when we patronize organic products, we have a guarantee that our lives would be healthier, safer and longer.

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    Source by Rosemarie Sumalinog Gonzales

    Views: 0

  • Biotechnology and Social Entrepreneurship: The Perfect Symbiosis

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    This is the era of globalization where modernization in every sector is essential due to societal changes and the continuous demand for a quality life. It’s the duty and a moral obligation of every industry to assist in providing a better way of life to those who are less fortunate and require your help. In such conditions, one needs to be resourceful, altruistic, have qualities pertaining to that of a businessman, and have a scientific view. Biotechnology as such is a field that can contribute to various individuals in terms of money as well as its inventions. This industry has grown monumentally over the years and has helped people find hope and restore their belief in humanity with its applications in the field of genetics, agriculture, food, medicine, and healthcare.

    Biotechnology and social entrepreneurship can go hand in hand. For example, by providing better healthcare options at cheaper costs, consumers are motivated to opt for Biotech products. In this way, the Biotech organizations can help move low-income communities toward better health, and by purchasing their products, the consumers are indirectly promoting the company’s brand. Creating employment opportunities, intellectual wealth, and expanding industrial growth are a few of the absorbing factors that guarantee a focused approach for this sector, resulting in a general benefit to society.

    Scientific entrepreneurs often lack managerial competencies, industrial experience, and contacts, even if they integrate members with an administrative background; so therein lies a critical area that requires some work. Solutions to certain social problems, such as improving the quality of health, economic, political, and cultural problems in reference to poverty, often require fundamental transformations in the political, economic, and social systems. A Social Entrepreneur brings change to the social system by utilizing their work and business to address that cause. Such ingenious creativities represent social entrepreneurship. Hence, it can be stated that the approaches for network building observed by biotech companies regarding social entrepreneurship will combine behavioral features that are archetypal of biotechnology entrepreneurs, and include other characteristics that are a response to the conditions found in their particular environment.

    An excellent managerial team can provide the necessary skills for the management and coordination of scientific and commercial operations, and can also help maintain a good organization repute. One key area where social entrepreneurs play a vital role is in the commercialization of research results of the biotechnology industry thus, warranting sustainable growth. A working local innovation system with respect to the connections between companies and knowledge organizations can be the stimulus to this implementation.

    For example, Juan David and Alicia Carpio launched Q’omer Bioactive Ingredients, a technology-based social enterprise. They witnessed the condition of people regarding their farms and unfair labor deals in Peru, so they designed a sustainable and socially responsible way of working with resources in Latin America. They offer raw materials and ingredients to produce organic products and improve the well-being of people while promoting the economic and social sustainability of producers from Latin America. This is only one example, but with each passing year, more and more Biotech companies are taking the initiative to promote social entrepreneurship and contribute to various societies by providing scholarships, funding, and research options in the field of Science.

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    Source by Chris Bouchard

    Views: 0

  • Can Your Migraines Disappear With Orthomolecular Medicine?

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    Quantum Brain Healing addresses the root of the migraine problem before recommending the treatment protocol. The root causes of migraine headaches include stress, poor diets, neurotransmitter imbalances, endocrine hormone imbalances, vitamin and mineral deficiencies, mineral level imbalances between calcium and magnesium, pineal gland malfunction, electromagnetic field imbalance, and emotional trauma. It is possible for a migraine to be a secondary illness where the primary disease is a brain tumor. Migraine headaches are an important symptom of a brain tumor. A brain aneurysm may feel like a migraine. Migraines may accompany ADHD, epilepsy, diabetes, Crohn’s, heart disease, irritable bowel, depression, and bipolar disease. A comprehensive look at your medical history and diagnostic testing must occur to rule out more serious problems prior to treatment.

    Migraine headaches can be caused by food and environmental allergens. Avoid nitrates, MSG, artificial sweeteners, and foods high in tyramines including red wine, cheeses, and chocolate. Stay away from carbonated beverages, soy, peanuts, pickled foods, non-organic coffee, chocolate, food dyes, food additives, or refined foods. It is very important include protein in your breakfast each day. Avoid all genetically modified foods and eat local or organic fruits and vegetables. Include fresh salmon, avocado, walnuts, almonds, and omega 3 and 6 essential acids in your diet.

    Identify allergens in your diet and avoid them with dietary changes including the G.A.R.D. Diet or the Elimination Diet. The Rotation Diet follows a different theory that allows exposure to each food once each four days. The immune system calms down when there is not frequent exposure to the allergen. Gluten may be a trigger for many people with migraines. Try to keep a food diary for at least one month to identify the foods that may be your triggers.

    Many people with migraines may experience problems with pollution and environmental triggers. These may be avoided or eliminated with hard work. Otherwise, this can be dealt with by reducing stress and improving overall diet and health. Stress may be improved by changing jobs, a divorce from an abusive one, a new job, a new hobby that you enjoy, volunteer work, and watching comedy on TV or at the movies. Stress can be reduced with Yoga, tai chi, and Qi Gong. There are several alternative therapies that can help migraines such as neurobiofeedback, hypnosis, homeopathy, and Bach Flower Remedies.

    Chinese Traditional Medicine (TCM) is great at improving migraines with patent herb formulas and liquid herbal extracts which can be used along with auricular laser therapy, auricular acupuncture, scalp acupuncture, and traditional body acupuncture. These therapies usually require two weeks to see improvement. The acupuncturist may recommend several months of treatments depending on how long you have experienced the migraines.

    © Dr R Stone, MD-India

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    Source by R Stone

    Views: 0

  • Book Summary: The Millionaire Messenger: Make a Difference and a Fortune Sharing by Brendon Burchard

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    I read this book sitting in a Thai food restaurant on the Oregon coast. The food was outstanding and what was very interesting was the fact that at the cash register there was a book and DVD set talking about going to college for free. The author was a young guy who graduated from Harvard. The whole book series was designed to show college students and parents how to find money to pay for college. Come to find out the author was the restaurant owner’s son. This is a classic example of the Millionaire Messenger in action.

    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 life. The best way to financial freedom is through a business. Now most people cannot simply quit their jobs and to start a new business. Typically you need to work your job and your new business until you have enough sustainable revenue to take your business full time. The Expert Industry is a caring community of people who share their advice and knowledge with the world and get paid for it.

    You may be thinking I am not an expert in anything. This mindset has everything to do with Self-Esteem & Self-Confidence. Brendon addresses these concerns in the book. Think about this – every person has a unique finger print and unique life experiences. Those experiences with additional research can yield you an expert.

    I want to start with a potential example of being an expert in something. I have a good friend of mine that has been doing cement work for over 20 years. He does this with his four brothers. He does not think of himself as an expert. Have you ever considered how successful Home Depot is as business? They cater to the do it yourself community. My friend could simply film different cement jobs and sell them as a do it yourself venture. It would look like this:

    1. Create simple how to videos on the basics and give them away for free.

    2. Create a deeper video series on how to do a full patio, sidewalk or stairs and sell it with a checklist manual.

    3. Offer paid for consulting for job layouts with customers.

    4. Take high priced large concrete jobs that are above the do it yourself community and name your price.

    This is a simple example of releasing 100 years of combined cement expertise that could easily be parlayed into a seven figure business model.

    The Millionaire Messenger is packed with great how to advice. For the sake of time, I am going to chat about the 9 reasons you should consider unlocking your knowledge and passion in the expert business.

    1. Your work is based entirely on your passion and knowledge. This is really important because it no longer seems like work when you wake up each morning doing what you love.

    2. Relating and Creating – Your work activities center around gaining trust and relating to your audience as well as creating useful content that add real value to their lives.

    3. Anytime / Anywhere – Creating information how to products allows you the comfort of working on your schedule from anywhere. I can tell you from personal experience that setting up your business to do this one great step toward personal freedom.

    4. Work with who you want – This is a big deal because stress statistics show that stress related illness is interconnected with who you work with or bad working relationships in general.

    5. Promotions based on promos – The amount of money you make is directly related to the promotional efforts you put into marketing your content. This is all up to you and your work ethic.

    6. Pay equals value – This is the strongest and most relevant point in the book. If you deliver great value, people will pay you for it and you can decide what to charge. You are not trading hours of your life for dollars.

    7. Small Teams – You do not need a big team to do this. You can outsource several of these steps so that your payroll does not spiral out of control. There are information marketers that make millions of dollars a year with very little staff.

    8. Tools are cheap – Technology today really is cheap. There are so many excellent software packages that are free that you can craft your whole infrastructure for next to nothing.

    9. Financial Income can beat that of other industries. There are six ways to market your stuff and each has a different price point. The best business models are summed up in one phrase – “one to many”. Creating something once and selling it over and over is the true key to unlocking the wealth puzzle.

    The Millionaire Messenger is a good book that will give you the direction you need and the questions required to get you on the path to personal wealth and freedom.

    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 one to many. When crafting your business model or tweaking an existing model, remember to leverage the power of “one to many.” In our software business, we create a software module once and sell it many times. This is how Microsoft and Oracle generate billions of dollars each year.

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    Source by Joe Mosed

    Views: 0

  • Rolling Deposits – Uncovering the Granddaddy of Cash Fraud

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    The Shift Manager of the fast food restaurant sat in his car, under a shade tree in a parking lot. On the floor board are unused disposable deposit bags and a destroyed deposit bag that had been sealed with last night’s closing deposit. The manager had sliced open the deposit bag and the passenger seat is littered with the contents – ones, fives, tens, twenties, and change. He will use one of the unused bags to make a new deposit. The manager counted the funds several times, his stress level mounting. The amount is not enough to match a deposit slip for a deposit dated two days ago. Two days ago? What is going on here? Why did he open a deposit bag today for funds to match a deposit ticket that is two days old? Do you know?

    This is a theft scheme called “rolling deposits” and unfortunately it is not uncommon when retail and restaurant managers prepare deposits and make deposit runs to the bank. The employee steals all or a portion of the day’s deposit and makes up for the stolen cash from the contents of future deposits to cover the thefts. The scheme continues as long as the manager has access to deposits.

    The tell tale sign of the “rolling deposit” theft scam is deposits taken to the bank by a particular manager are consistently validated by the bank several days after they should be. Deposits taken to the bank by the other managers are validated on time. The stress level of the manager who is scheming mounts as the need to match deposit funds with unvalidated deposit tickets becomes increasingly complicated. As in the example above, the deposit the manager opened is not enough to cover the past deposit ticket. The manager will now have to wait to add funds from tomorrow’s deposit to conceal his thefts.

    If the business is using disposable deposit bags and the deposit was prepared by another manager, our shift manager involved in the theft scheme makes the bank run with the deposit. As in the scenario above, the shift manager in order to continue his thefts, must cut open the sealed deposit bag and remove the cash and the accompanying deposit slip.

    With no intervention, these theft schemes can go undetected for a long time and the cash losses can be staggering. Experienced security and loss prevention professionals can easily reveal the fraud with a little investigation. In my experience, the manager conducting the rolling deposit fraud will readily confess when interviewed properly. They are so stressed trying to keep the scheme floating, they are generally relieved that it is over.

    There are tried and true protocols in establishing sound loss control practices to prevent this type of scheme and ways to easily uncover it. If you suspect one of your employees of rolling deposits:

    1. Develop a chart – across the top of the chart list these columns: Date, Shift (deposit), Amount of Deposit, Bag #, Depositor Name, Date of Bank Verification. Make a separate line for each deposit. Down the left side of the chart, list the sequential days of the month. Fill in the corresponding information starting with the first of the month.

    2. Analyze the chart – Look for patterns and discrepancies such as missing disposable bag numbers from the sequence, “leapfrogging” of bag numbers and deposit validations from the bank. Look for a pattern of the same manager taking the deposits to the bank when the discrepancies occur.

    3. Action – Prohibit suspect’s access to deposits. If rolling deposit scheme is occurring, a deposit will soon show excessive shortages or missing altogether. Track the deposit activity for past months to get a better indication when the discrepancies first appeared.

    4. Prevention

    * Require all deposits be sealed in disposable deposit bags

    * Eliminate the vinyl/canvas/zippered pouches

    * Record deposit bag number with corresponding deposit

    * Require depositors to sign for deposits they take to the bank

    * Check all deposit validation dates from the bank with the dates of business

    * Develop strong cash and deposit auditing programs looking for deposit bags and validations out of sequence

    * Have a bank representative notify you of “late” deposits (> 3 days late)

    * Consider SMART safes or armored car service

    Taking deposits to the bank is a common practice for Fast Food (QSR) restaurant and retail management. It is fraught with issues such as time away from management responsibilities in the restaurant or store, exposure to traffic accidents and crime, and this “rolling deposit” theft scheme. Although seemingly the cheapest way of getting funds to the bank, it may be most costly should the manager be seriously injured or killed in a car crash or armed robbery during the transport. Stealing tens of thousands of dollars from deposits may pale in comparison.As new technology is developed, armored cars service becomes more competitive, and ways of banking become more progressive it may be time to rethink how we get our money to the bank and eliminate the exposures to our people and our profits. So what is going here? Why are certain deposits getting to the bank several days late?

    Now you know, and now you can do something about it.

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    Source by Libby Libhart

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