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  • Ten Ways to Strengthen Your Reading Habit

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    Most people wish they read more. It is an activity that is both fun and enlightening. It can help us be more knowledgeable and successful. However, it is an activity that many people don’t engage in very much. According to the 1999 National Household Education Survey, 50% of the U.S. population aged 25 and over read a newspaper at least once a week, read one or more magazines regularly, and had read a book in the past 6 months. What does this mean? It means that 50% of the population hasn’t read a book in the last six months! Looking at the other end of the spectrum, research shows that if you read ten books a year, you are in the top few percent of all people as readers. Simply stated, it doesn’t take much to be well read, but we do need to know how to get started. The following are ten suggestions to help you strengthen your reading habit – ways to find and make more time for reading. 1. Always have a book around. Don’t go anywhere without reading material. Keep magazines or short stories in your bathroom. Always have something in your briefcase to read. Keep a book(s) by your bed. Having things available makes it easier for you to steal otherwise lost moments. 2. Set a reading goal. Determine how much time you want to spend reading, or how many books you want to read over time. Your goal might be a book a month, one per week, or it might be to read 30 minutes a day. Start out with something attainable but still a stretch. As your habit builds, you might set higher goals. Setting a goal is the first step towards reading more. 3. Keep a log. Keep a list of the books you have read, or keep track of how much time you read each day. You might keep these lists in your journal or your day planner. My son’s log is on our refrigerator. My list and log are kept on my computer. It doesn’t matter where you keep it, just do it. 4. Keep a list. Make a list of things you want to read in the future. Ask your friends and colleagues what they are reading. Watch for recommendations in the newspaper and magazines. Once you start looking for good books, you’ll find them everywhere. This is a great way to keep your enthusiasm up. By knowing what great stuff you want to read, you will reinforce your reading habit. 5. Turn off the television. Many people say they just don’t have enough time. Television is one of our major time consumers. Make your television watching more conscious and less habitual. There is nothing wrong with watching television shows you really enjoy. Where the time gets lost is turning it on, and scanning to find “something to watch.” Those are the times to turn it off and pick up your book! 6. Listen when you can’t read. Use your commute and other time spent in the car to listen! There are great audio versions of all sorts of books. Whether you want to “read” fiction, the latest self-help or diet book, it is probably available on tape. Don’t get locked into the idea that you have to read it – listening to the book still gives you the experience, ideas, and imagination that reading a book can. 7. Join a reading group or book club. Reading groups typically meet once a month to discuss a book they have all decided to read. Committing to the group provides a bit more impetus to finish the book, and gives you a great forum for discussion and socialization around the book’s themes. 8. Visit the library or bookstore often. You have your list, right? So you’ll have some ideas of what you are looking for when you walk in. But there is more to be gained by walking through places where books reside than just to make a transaction. Take time to browse! Let your eyes find things of interest. Let serendipity happen. Browsing will feed your mental need to read, and give you plenty of new things to read. 9. Build your own strategy. Decide when reading fits your schedule. Some people read first thing in the morning, some before bed. Some decide to read as they eat their lunch. And there is more to your strategy than just timing. Make your own decisions about reading. It is OK to be reading more than one book at once. It is OK to stop reading something before you finish if it isn’t holding your interest. It is OK to skim the book, getting what you want or need, without reading every page. Determine what works best for you, develop your own beliefs and ideas–then make them work for you. 10. Drop Everything and Read. My son’s fourth grade class has DEAR (Drop Everything and Read) time. When the teacher calls for it, that’s just what they do. They read now. That is my last piece of advice for you. Do it. Just get started. Make it DEAR time. Now.

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    Source by Kevin Eikenberry

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  • The Advantages and Disadvantages of Being Wealthy and Successful

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    As far as I know, almost everyone wants to become wealthy and successful. Being wealthy and successful allows you to lead a comfortable life, buy anything you want to buy, do whatever you want to do and many others. However, it also brings you some disadvantages. Below I will explain them in detail.

    Advantages

    There are countless advantages and I will introduce three major ones.

    1. Wealth and success can guarantee you a high quality life. Many people are pursuing wealth and success because of this reason. Being wealthy means having a lot of money. So you will not worry about matters which are related to money. You can receive the best education, afford the best healthcare and buy anything you want. Besides, you will never worry about your work because you have enough money to feed yourself. In a word, you will be fully satisfied with your life and love your life.

    2. Being wealthy and successful can make you more confident. If you are a successful man, you will find that many people respect you and then you will have a feeling of victory. This will make you much more confident and your confidence and aura will be embodied in your life and work. Moreover, your accomplishments can also give you confidence and satisfaction. Some accomplishments can not be easily achieved but you are able to achieve them. Then, you will receive appreciations from other people.

    3. If you are wealthy and successful you may consider doing some charity work. There are many poor and helpless people around the world. Maybe you want to help them out before but do not have enough money, so when you are rich, you can achieve your desire. Doing some charity work can make you happy, contented and delighted.

    Disadvantages

    Being wealthy and successful does have some disadvantages.

    1. It is hard to know whether your friends or partners are interested in your money or not. When you have gained wealth and success, many people are willing to make friends with you. So you will not know who your genuine friends are.

    2. Perhaps you will be an open target for kidnap or blackmail. If you have much money, some lawless person may plan to kidnap you or your relatives to earn some money.

    Although there are some disadvantages, being wealthy and successful is still an attractive thing. Everyone can gain wealth and success as long as he tries his best to work hard.

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    Source by Sharon R Chen

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  • How Smoking (Drug Abuse) and Drinking (Alcohol) Affects Your Academic Performance

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    One day, Barack’s mother, Ann Dunham marched into his room, wanting to know the details of Pablo’s arrest. “Don’t you think you are a little casual about your future?” she asked. “What do you mean? he responded. “Bar, you know exactly what I mean. Your friend Pablo was just arrested for drug possession, and your grades are slipping. You haven’t even started on your college application.”

    Barack Obama was a serious and brilliant student before he gained admission into Punahou School, Honolulu. In this school, he joined the “Choom gang”. It was a self-named gang that spent time together drinking alcohol, smoking marijuana and sniffing cocaine. Drugs made the choom gang popular in school. His relationship with the choom gang prospered, but his academics suffered. Drugs and alcohol made him lose focus. All he thought about was how to get high. He and his friends Ray, Pablo, Mark and others exhausted their time devising simply ways of doing drugs, which include total absorption (TA), the antithesis and the choomwagon. Reading was difficult because he was always high and confused. Indeed, he was heading towards becoming a junkie.

    His performance in school was a mess. Barack’s mother was right. His grades were going down every term. He was not even bothered about admission to college. All he thought was drugs because it was part of him. Truly, his friend Pablo was arrested by the police for drug possession.

    When pressure from his mum and his poor performance became unbearable, he thought about not going to college. Nevertheless, Barack’s mother kept encouraging him. She always told him that he could get into any school in the country if he just put in a little effort. Within him, he knew that the “effort” he needed was to quit drugs.

    He managed to graduate without mishap and was admitted into Occidental College in Los Angeles. Even without the choom gang around, Barack continued his drug escapade. To continue his education, Barack was transferred to Columbia University, New York.

    In New York, he decided to stop getting high. For the first time in years, Barack applied himself to his studies. He regained his love and strength for reading. Reading and understanding became easy because he was focused and at alert always. Barack began to trace out his future. It became clear that he had been wasting his precious time on drugs. He attended class regularly and soon graduated with good grades.

    “Using drugs and alcohol was a seriously misguided mistake. It was my greatest moral failure that could have destroyed my future. Maybe if I had not stopped doing drugs, I might have dropped out of school and wouldn’t have become the 44th President of the United States”, he once said.

    Lesson

    Drug and alcohol use on campus is universal. Students articulate many reasons why they do it, but most neglect to consider the academic and long-time consequences of their actions. Some are compelled to use drugs at social gatherings either because everyone else seems to be doing it or they believe it’s the cool thing to do. Others feel that drug and alcohol abuse offers an escape away from school or work-related stress, financial worries or relationship problems. Some feel that alcohol and drug abuse provide a way to compensate for feelings of shyness or low esteem.

    According to one study, 90% of teens said they have used alcohol; 50% have used marijuana; 17% have used cocaine, and 13% have used some form of hallucinogenic drugs. Drug use has been classified as a major problem of students as early as in primary 4. A recent report published by the Substance Abuse and Mental Health Services Administration suggests that adolescents who receive grades of D or below are more likely than those in good academic standing to have recently used cigarettes, alcohol and/or other illicit drugs.

    The new research is part of a large-scale study of health and development conducted in New Zealand. Researchers administered IQ tests to over 1,000 individuals at age 13 (born in 1972 and 1973) and assessed their patterns of cannabis use at several points as they aged. Participants were again tested for IQ at age 38, and their two scores were compared as a function of their marijuana use. The results were striking: Participants who used cannabis heavily in their teens and continued through adulthood showed a significant drop in IQ between the ages of 13 and 38-an average of 8 points for those who met criteria for cannabis dependence. (For context, a loss of 8 IQ points could drop a person of average intelligence into the lowest third of the intelligence range.) Those who started using marijuana regularly or heavily after age 18 showed minor declines. By comparison, those who never used marijuana showed no declines in IQ.

    Researchers studying the effects of alcohol use on the brain are aided by advanced technology such as magnetic resonance imaging (MRI), diffusion tensor imaging (DTI), position emission tomography (PET) and electrophysiological brain mapping (EBM) showed that long-term heavy drinking lead to shrinking of the brain which impairs learning, memory formation and retrieval. That is why most times we read and forget within a short period.

    The process of generating new brain cells (i.e., neurons) is called neurogenesis. High level of alcohol leads to a disruption in the growth of brain cells. The decline of the number of brain cells leads to problems in learning and behaviour. The number of brain cell a student possesses determines his level of understanding. A student who has a higher amount of brain cells will do better academically.

    Thiamine, also known as vitamin B1, is an essential nutrient required by the brain. Up to 80% of alcoholics have a deficiency in thiamine, which may lead to memory loss and mental confusion. It might also affect your attention and concentration. Substance abusers easily get distracted; misplace things, forgetting to keep appointments and so on. As the brain continues to adapt to the presence of the drug, regions outside of the reward pathway are also affected. Brain regions responsible for judgment, learning, and memory begin to physically change or become “hardwired.” Learning, reading, and comprehension becomes difficult because the brain had been wired to focus on alcohol.

    Alcohol can produce detectable impairment in memory after only a few drinks and as the amount of alcohol increases so does the degree of impairment. Large quantity of alcohol can produce a blackout or an interval of time for which the intoxicated person cannot recall key details of events or even an entire event. Think about how much study time you have lost because you were too hung-over the next day to go to class. Drug abusers oversleep and are always tired.

    Severe Hallucination is another problem faced by drug users. Most times they lose touch with realities during lectures or examination. Physically they are in class but mentally they are somewhere else. Academics requires both physical and mental alertness. Therefore, a “high” students can attend lecture but will derive nothing because he was busy building castles in the air. Hallucination leads to academic failure.

    Everyone who became a drug or alcohol addict started with “let me taste or try it.” Smoking cigarette or Indian hemp or drinking alcohol is not a sign of “big boy or big girl”. It is not a sign of maturity but immaturity. You should not please your company by abusing drugs or alcohol. Drugs and alcohol are slow poisons. It solves no problem, if you get high because of financial stress, relationship problems, shyness or peer pressure, after some minute, you will get low and the problem will still be there.

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    Source by Anyaehie George Kelechi

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  • Marital Pathfinder 101

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    The issue of marital discovery and fulfillment has been a major discourse in most singles’ forum taking cognizance of the implications of getting it wrong. When God created man, He took him and set him down in the garden and gave him a mandate (Vision): “… to work the ground and keep the garden in order” Gen 2:15 (message bible). He looked at man and said to Himself it’s not good that man should be alone; let’s make for him a help-mate and a companion. Reason being that man was not living his full potential and so needed a help-mate and a companion to relate some things with; God in His mightiness cause man to fall into a deep sleep, created a help-mate for him and presented her to him; “when man woke up, he came in contact with someone he is attracted to (someone of like mind), went close, identify himself with her, appreciate her, stretch out his hand towards her and they both hold hands, move round the garden and tend it properly according to God’s instructions”. (My opinion).

    Taking cue from where it all began- the Garden of Eden, as a single I strongly believe that marital fulfillment is real and everyone is meant to experience it if we can just know what we want and go through the process or stages towards getting what we desire. It takes grace-unmerited favor for good thing to come easily. Let me buttress on Adams experience as follow:

    Woke up: when man woke up… literally in life, when a man is said to have woke up from his sleep, it means he has gotten to the point of realizing that something is missing in his life and so needs attention and until this is done, optimal satisfaction or fulfillment will not be drive. Speaking from marital point of view, it’s where a man realized that for him to gain much ground in life, he will need a help-mate (vision helper) to give him the much needed support to fulfill purpose. By this, I mean the achieving the intangibles- life vision, life assignment. For the ladies, it’s the point where she needs someone with some sense of purpose. It is the point where a man will need to make clear his life vision, mission and set values that will govern his life activities- setting his priority(s) right as he moves on the journey to marital discovery and fulfillment. When this is done, he goes on an ultimate search through praying, fasting, interaction with people and the environment.

    Attraction:… he came in contact with someone he is attracted to (someone of like mind)… Gen 2:23; Esther 2:17. person-300x202The law of attraction states that every man draws to him what flows out of him. When Adam woke up, he came in contact with someone of like mind- someone that speaks and understands his language, sees what he sees, with similar mandate, etc and so got attracted to her because his instinct communicated it to him. As singles (guys and ladies), the law of attraction should not be ignored in our quest for marital fulfillment. A guy or lady, who knows where he/she is going, will deliberately get attracted to only those going in the same direction with him/her. If for any reason, you are attracting to yourself friends you do not wish to have, it means you have to work on what flows out of you- rebrand yourself inside-out. Try to understand your temperament (strength and weakness) and then the temperament of someone that will complement yours. On the other hand, if you are attracting the right people into your life, then you are on the right path to marital fulfillment because these people see what you see, speak and understand your language- success, spiritual intensity, business success, career fulfillment, etc

    Get close and identify with people:… went close, identify with her… law of contact. For one to get what he/she need in life, he will have to take steps forward without necessarily seeing the stair case to step on. As singles (guys and ladies) I don’t think we need to see a vision, have a dream, go on a trance or have an impartation with the full bottle of anointing oil pour on our head for us to go close to people we are attracted to and have an interaction with them. When the first man woke up from his deep sleep, he came in contact with someone he is attracted to (someone of like mind) and so went close and interacted with her. It is at the point of interaction he discovered that they both have so much in common and so he identify with her immediately. Personally, I strongly believe that all relationship with the opposite sex will not end in marriage (life partner); I believe also that if we set our priority(s) right, at the point of interaction with those we are attracted to, we will be able to identify and discover a relationship that will not work for marriage but can work in the area of career, business contact/partner, best of friends, etc. Let’s increase our sensitivity antenna as the Spirit of Truth will help us. When we do, there will be no reason for regretting knowing or coming in contact with anyone; though, we are not perfect or guru in relationship matter but the chances of regret will be very minimal or near to zero.

    Appreciation:… appreciate her… what you appreciate in the life of someone over a period of time will as a matter of fact become your reality (paraphrase- law of appreciation). In as much as the first man identify with the similarities between him and his friend so to speak, he also notice that there are attributes his friend have which he don’t but needed to excel and so appreciated these attributes. Appreciating someone’s strengths and giving strength to ones weakness has a way of building and strengthen relationship and friendship. As singles, it’s impossible to have strength in all facet of life; and so when we see someone doing things in the area of our weakness, we should endeavor to celebrate them and leverage on their strength to fulfill purpose in life.

    Stretch out your hands to get help:… stretch out his hand towards her… the good book says “ask and ye shall receive, seek and ye shall find, knock and the door shall be open unto thee”. At this point, the relationship should be defined. Gen 2:25. As I said, all relationship will not end in marriage; when you interact with people, you will know the areas (Business, career, Spirituality, academics, etc) you will team work to achieve great results in life. When this is defined, the objective of the relationship should be stated and boundaries set. In life, nothing works until someone work it out; relationship doesn’t work out until those involve make it work; it’s a team work affairs and nobody’s commitment should be taken for granted rather it should be appreciated.

    Get bonded:… and they hold hands, move round the garden and tend it properly according to God’s instructions. The book of life says “do two people walk hand in hand if they aren’t going to the same place?” (Message bible). There must be some form of agreement between both parties

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    Source by Emmanuel Chukwuyem Agese

    Views: 0

  • The 7 Essential Characteristics Every Entrepreneur Needs

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    Discover the secrets to being a successful Entrepreneur…

    Becoming an entrepreneur is not an easy task! Around 45 percent of all new businesses fail to survive more than two years. There are certain qualities and characteristics that are absolutely necessary if you would like to become successful in your business ventures. Some of these qualities are built-in parts of your inherent personality, and some of them get developed over time. Knowing these characteristics and identifying your weaker ones – those which need strengthening – will, eventually, help you become a successful entrepreneur and ensure that you succeed in your business ventures.

    1. Common sense.

    Studies show that most successful businesspeople consider common sense as the foundation of their success. Good judgment depends on acquired knowledge and past experience. The combination of these two creates necessary prerequisites in developing common sense in a person. Common sense allows you to understand complex issues in simpler terms and get into the core of a problem.

    2. Specialised knowledge of your field and willingness to learn

    It is easier to start a successful business if you have deep knowledge of the business field that you decide to pursue. Having said that, studies show that most self-made millionaires have only average intelligence. Nonetheless, these people achieved their financial and personal goals in business because they are willing to learn. To succeed, you must be willing to ask questions, remain curious, interested and open to new knowledge.

    3. Self-confidence and the heart of a champion.

    Self-confidence is a key entrepreneurial skill for success. A successful entrepreneur believes in his abilities. He/she is not scared to take risks and make difficult decisions. You have to be determined to succeed at all costs. You have to anticipate resistance from your friends, family and loved ones. You must exercise unlimited persistence.

    4. Ability to work hard

    Every successful entrepreneur works hard. Ask any successful businessperson and they will tell you immediately that they had to work more than 60 hours per week at the start of their businesses. If you are in a start-up phase, you will have to breathe, eat and drink your business until it can stand on its own. . This requires a self-control that many people simply fail to develop in them.

    5. Passion

    Success comes easily if you love what you do. Why? Because we are more relentless in our pursuit of goals that we are passionate about. Entrepreneurs who succeed do not mind that they are putting in 15 or 18 hours a day to their business because they absolutely love what they do. Success in business is all about patience and hard work, which can only be attained if you are passionate about your tasks and activities.

    6. Think success

    To attain the kind of success that you want, you need to dream big. Every success story starts with big dreams! If you only aspire to survive, then you might just achieve that. Conversely, if you aspire to generate incredible wealth and happiness within your life, you might just achieve that too. You should actively visualise success in your mind. What does it feel to triple your current income? How will your life change? What will your business look like if you achieved the million-dollar mark? You must believe beyond a shadow of a doubt that you have the ability to recognize and fulfill your goals.

    7. Plan accordingly and stick to your plan

    You have a vision, and you have enough faith in yourself to believe that you can achieve your vision. You have to have a solid business plan and then stick to it. Put your goals in writing. You need to plan each day in such a way that your every action contributes to the attainment of your goals. Intense goal orientation is the characteristic of every successful entrepreneur. They have a vision, and they know how to get there.

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    Source by Bill Doyle

    Views: 0

  • Some Interesting Facts About Network Marketing

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    Home based enterprise is simply giving you and also me the chance to earn money from the comfort of our house. The Network marketing industry is responsible for producing the most amounts of millionaires ever. Now you should possibly think about that statement for a second. MLM industry has produced more Millionaires more that the financial industry, more than the pharmaceutical industry, much more than any industry that you could think of.

    Another interesting fact about multi-level marketing business; most wealthy people are endorsing the industry. This is why Personally, I really do not have the time of the day to welcome or entertain anyone that thinks Multi-level marketing is a gimmick. Is Donald Trump a scam? Is Robert Kiyosaki a gimmick? Is Bill Gates a scam? Is Bill Clinton a scam? I mean these are folks who at a particular time have endorsed Network marketing venture. I found it very interesting that the people calling home based enterprise multilevel marketing a scam are the penniless folks.

    Home based business network marketing is a business. Many folks fail and also are continually failing in this venture because they are not treating it as a venture. For the most part, many are brought inside the business by family as well as friends. And it is fairly cheap to get started in it. However, these have made many folks treat home based enterprise multilevel marketing as some kind of hobby thing. You need to treat this enterprise like a multimillion dollar business that it is. In the event you do not, you will fail at it.

    Network marketing is a business of leverage. This is actually the part that is confusing for most individuals. You can not get rich by yourself. The only reason you are going to get rich is by making other people rich. This is actually the same for any industry. Bill Gates plus Warren Buffet have produced more millionaires than some other folks. So if you think getting rich is a selfish affair, then you need to reprogram your mind. Home based enterprise multilevel marketing is exactly like that. You need to leverage other people’s effort plus have their interest also in heart.

    Home based network marketing is a business of marketing as the name implies. I know there is “Network” inside the name and that is very important especially with the individuals in your organization already. There is also “marketing” in the name. I wish many folks will understand this sometime. Just like any venture, you have to market your business. You can get the traditional ways of marketing your enterprise plus you can find the 21st century ways of doing this. The question is in the event you might do something more rapidly as a business owner why would you want to do it slower?

    The most import point that you have to understand about home based enterprise multi-level marketing is that many people is not going to get. As a matter of fact, when most people are agreeing with you about your ideas, then you’re likely doing something wrong. Many will still call MLM a gimmick despite all the evidences of the contrary. Multi-level marketing is a numbers game. Your job is to find the superstars quickly that are willing to make money with you as well as change their life too. Really do not put your emotion into this. Many will not get it.

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    Source by Shola O Abitogun

    Views: 0

  • The Best Final Expense Sales Presentation Ever

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    Arriving At The Prospects Home

    When I arrive at the house, I like to park in the driveway because that is where family parks and they are more likely to greet me. I look for the door that they use the most and I go and knock on their door (usually the back or side door). While waiting for them to come to door, I look down at my clipboard and pretend to read. I try not to make any eye contact until they open the door.

    When they open the door, I greet them as if they have been waiting for me all day long. “Mrs. Jones? My name is Joseph and the reason I’m stopping by today is because you recently sent this card in and it’s my job to bring you that information you requested. I’d really like to go over this with you, can I come in?”

    If they say yes, GREAT!!! I’m in! If they say it’s not a good time, then I will schedule an appointment with them for the next day. Now you are off to your next one. Some people will let you in and some people will make appointments with you, some won’t be home. (Always make sure you go back or call if they’re not there.) Of course, some will slam the door in your face… ha (fortunately, not usually.)

    At the end of the day, you should have made 3-4 presentations and scheduled 4-5 appointments. The point is, you are out there working and making money. I’ve honestly made $8000 in commission in one day!!! No joke.

    Making Appointments

    Rather then drive around all day, some people prefer to make appointments or hire someone to make appointments for them. Personally, I hired someone to do this for me. I schedule my appointments an hour and half apart. Usually it starts at 10:30am and ends at 7:30pm. I try to get 7 appointments a day, 4 days a week. I always make my appointments the day before because they forget if it’s more than one day away.

    Script for Setting Appointments Yourself

    Here is an appointment script you can use:

    Good Afternoon ____________, This is ____________

    I have in my hand, a pink card that you filled out and sent in requesting information on the Social Security Death Benefit Program.

    Now, my job is to get this information out to you.

    The address I have here is ___________________.

    Is that correct?

    Okay… Great!

    On the card ________, you wrote down that you were 65 and that your wife was 63… is that correct?

    Awesome, awesome…

    Let me ask you a question: are you (you guys) working, retired or receiving disability?

    Oh yeah, that’s good, that’s good… What time… do you/she/he get off work…

    chit chat…

    anyway, like I said, my job is to this information out to you and I can either get it out to you tomorrow at ______ or ______…

    which is best for you?

    Great…

    Do you have a pen and paper handy or do you have your calendar in front of you?

    I just want you to write down my first name… It’s Joseph. Last name Haworth, H-A….

    Now put down there ______am/pm on ___________day… that’s tomorrow.

    Well, I really appreciate your time, I look forward to meeting you and __________, at ______________am/pm _____day________.

    Have a great day.

    When you arrive at your appointment, smile BIG and assume you are getting in. Say you are there for the appointment and ask to come in. It’s easy to get in… most of them remember that you are coming.

    Presentation

    To put you at ease, I want you to know that I’m not a sales person at all. I’m the most passive, non pushy person you can imagine. There really is no trick to it. So relax your shoulders and have fun.

    Once you are in the door, you compliment their home, their yard, their dog, the smell of the house… you know… whatever! Just compliment. My favorite one is to mention how clean the house is. If it is really clean, it means they work really hard at it and they appreciate someone noticing. As I’m walking in the house, I look at the pictures and I either ask who is in the pictures before I sit down or I ask later. In any case, seniors love to share their pictures so make sure you ask about them.

    I’m always very casual and I do my best to avoid the sales presentation for about a half hour. I like to have them talk to me and tell me about themselves and their family and their problems etc. I honestly get sucked in. I’m right there, feeling their joy and pain and I’m concerned and interested. I don’t care about the insurance at that point. Eventually, you move to the presentation and by this time you are friends and this helps them listen and helps you know how to communicate to them. Here are the steps:

    1. You tell them why they received the card and what it’s about.

    2. You bring up the cost of a burial and the fact their family is going to have to pay $10,000.

    3. You find out why they sent the card in.

    4. Ask who their beneficiary is and if they have ever paid for a funeral (both these questions bring out emotion because they don’t want their kids to pay for the funeral and by asking if they have ever paid for one, this helps them remember the pain of paying all that money for a funeral.)

    5. Ask them what medications they take and what they are for. Then you ask how their overall health is. “Have you had any heart problems, or kidney, or liver or lung problems? If so, when?” You need to know when because most applications only care about the past 2 years or so.

    6. Now you know what they are going to be approved for and you can show them some prices. I usually write down 3 or 4 prices on the back of their lead card. I try to match what I think they can afford. Once I write them down, I go over the prices and then hand them the sheet. I say, “Now, Mrs. Jones, I want you to look over these three prices and you tell me which one is best for you?

    7. Before I give them the prices, I tell them about an immediate benefit and a graded benefit. The immediate benefit means that their family will get the full face amount if they died even after only one payment. The graded policy, however, makes them wait two years before they have full coverage. To find out which one they qualify for, I have to ask the questions on the application. (However, if you asked enough questions earlier, you already know….)

    8. Before I ask the immediate benefit questions, I ask them to pick out a price first. (This is called asking for the sale. You have to ask for the sale or you will not sell!!! Plain and simple). Knowing the price they will pay helps with the next step. When you know they qualify for immediate benefits, after you ask the appropriate questions (that you already know the answers to), you stand up and congratulate them.

    9. At that point, all you have to do is ask for their personal information. “Mrs. Jones, can I see your SSN and Drivers License”… the point is that you start writing the application.

    We hope you will join us to see the full presentation in print, audio and on video.

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    Source by Jody Haworth

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  • Why Choosing an Eye Doctor Is So Important

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    Eye doctors are extremely valuable individuals because they can help you maintain healthy vision throughout the course of your life. Choosing the right eye doctor can mean the difference between healthy vision and poor vision. That is why choosing an optometrist is so important. Your eyes are your windows into the world. If you lose your sight for any reason, that window will be closed permanently. No one ever considers the possibility of going blind. But it often occurs due to sudden eye trauma, old age, or development of certain eye diseases. A good optometrist can help you address these problems quickly and effectively, and already having developed a history with one can be time-critical.

    For individuals who can see relatively well, the consequences of poor eye health might not cross their minds. But just because you see well today doesn’t mean that you will be able to see well tomorrow. Accidents happen all the time and we can lose vision simply as a result of the aging process. Even if you don’t wear glasses or contact lenses, you still need a good eye doctor because everyone should have their eyes checked on a regular basis, regardless of their past medical history. That is why choosing an optometrist is so important. If you or your children start experiencing eye complications or vision problems, you’ll want a reputable eye doctor to take care of them and help you.

    Choosing an optometrist is easy. You can start with the phone book and look up the names of different eye doctors in your area. Or, you can do a search on the Internet. If you have friends or family members who wear glasses, you can talk to them to find out which optometrist they see on a regular basis. If their eye doctor is accepting new patients, then you should be able to get in for an appointment easily. If you don’t have any friends or family members who wear glasses or go to an optometrist, then searching through the phone book or on the Internet is your next best option.

    The Internet can give you a list of optometrists and also show you how far they are from your location. For example, you can search for “eye doctors in Austin, TX” and a list of eye doctors who work in Austin will appear on the computer screen. Then it’s just a matter of scrolling through the names and deciding which optometrists are closest to you. Start with one eye doctor, and make a phone call to see if they have any available appointments. The best way to determine if an optometrist is right for you is to schedule an appointment and see for yourself. If you like the eye doctor during your appointment, then your work is done. But if you don’t like the optometrist (for whatever reason), then you can choose another one off from your list and schedule an appointment with him or her. Choosing an optometrist is a lot like choosing a mechanic – sometimes it takes a few bad ones before you find a good one.

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    Source by Roger Ubik

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  • Relationship Anxiety – Why Doesn’t My Boyfriend Want to Marry Me?

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    Relationships aren’t always viewed as investments, but in many ways that’s exactly what they are. This is especially the case for a woman who is dating a man who is somewhat resistant to the idea of marriage. If you’re that woman, you know that you’ve invested a great deal of time and emotional energy into the connection. It’s understandable that you’d want and expect a diamond ring and a romantic wedding at some point, but what do you do if that end goal is nowhere in sight? If your boyfriend has made it clear to you that he’s not interested in marriage, you’re left flabbergasted. Before you throw in the towel and walk away from everything you two have built, you need some answers. Understanding why he isn’t feeling drawn towards marriage can help you overcome the problem and get things moving in a more positive relationship direction.

    Think About His Reasons for Not Wanting to Marry

    Obviously, by this point you and your boyfriend have discussed the issue of marriage and how you both feel about it. In all likelihood you’ve pushed your boyfriend to share with you where his reservations are coming from. Each man is unique which means that his reasoning for not wanting to take the plunge is going to be specific to him. Generally there are several common threads that seem to run through relationships in which the man isn’t in any rush to get married.

    One of the most common reasons why men refuse to make such a strong commitment is they sense that they’ll lose their own identity when they become a “husband.” Instead of being a self sufficient, single guy they suddenly become one half of a couple who are joined together forever. To most women this sounds like a dream come true but for a man who doesn’t feel emotionally mature, this can be a very frightening proposition. Not only does he see his own identity being pulled away but he senses that his role, from the wedding day forward, is simply to please his wife.

    Other men won’t get down on bended knee to make that all-important proposal because the financial aspect of it weighs heavily on their mind. Men want to be viewed as providers and if your man doesn’t have the means to support himself, let alone you and any potential children in the future, he isn’t going to want to take any steps towards commitment. He also likely won’t reveal his true motivations for not getting engaged. He doesn’t want you to think poorly of him. To a man the most important thing is that the woman he loves sees him as a hero in every sense.

    Devote Your Energy to Helping Him Overcome His Resistance

    There’s something to be said for not pushing a man to commit, but there are obvious exceptions every woman should be aware of. If you believe your boyfriend would love to be married, but he does have some lingering reservations that you’ve been able to identify, you can then start work on helping him move past those.

    It’s not advisable for you to sit down with a man who you believe is struggling with finances so you two can have an honest discussion about how he can’t afford a wedding, let alone an engagement ring. It is helpful if you share with him how you see marriage as an equal partnership and how important it is to you to contribute equally, always. If your boyfriend feels that some of the financial burden has been taken off his shoulders, in a very subtle way by you, that may steer him closer towards a proposal.

    You can also persuade your man to see the gains he’ll make in being married to you, as opposed to the losses he may believe he’ll suffer. If your guy is surrounded by single male friends, this may prove a bit more challenging, but don’t ever view it as impossible.

    Simply start mentioning how important you believe it is that couples always have their own interests. You could even bring up the example of a married friend of yours. Talk about how you think it’s great that her and her husband still have their own independent friends and that they each spend time apart from one another visiting with those friends.

    If your boyfriend senses that your attitude after you marry is going to be that of a woman who doesn’t want her husband spending all his time with her, he’ll be more inclined to see marriage in a much more positive light.

    Be Realistic About the Future of Your Relationship

    Even if you’ve determined why you believe your boyfriend is being hesitant about committing, and you’ve been working at getting him to move past his reservations, there is still a chance that he’ll refuse to marry you.

    If this is the case, it’s important that you look within yourself to decide if waiting endlessly is the right thing for you. Some people just don’t see marriage as something they want in their lives. If this depth of connection is important to you and your boyfriend has continued to resist, even after you’ve helped him understand the benefits of it, it may be time to rethink your future.

    You, and only you, can decide if marriage is a deal breaker within your relationship. If it’s vitally important to you that you two marry, share that with him and leave the ball in his court. If he continues to ignore your needs, you really have to consider whether a partner like that is truly the best choice after all.

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    Source by Gillian Reynolds

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