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  • Multi Level Marketing System – Become The Hunted Instead Of The Hunter

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    One of the few best multi level marketing system that’s making quite the buzz in the industry today is the idea of becoming the authority. Creating an image of being an expert, and expect people to follow you instead of you looking for them. This idea is known as attraction marketing, or more popularly branded as magnetic sponsoring. Your aim is to become a magnet, thus, you become the hunted and no longer the hunter.

    But how do you do this, and why is it so effective? The beauty of attraction marketing is all about saying the right words, and doing the right thing. It’s pulling people in instead of them running away from you. All it takes is for you to be creative enough and be highly motivated, because if you are and you can, you’ll be able to implement a variety of ways to generate leads even while you’re at sleep. Like how it is described: magnetic sponsoring is the total opposite of the traditional failed market method most marketers are still doing today. You have to stop forcing or pitching your sales on prospects who most of the time may have little or no interest at what you have to say. Rather, target those who actually need you, because that’s who’ll be following you and soon may even be converted as your downline in the future.

    How do you become the hunted? The answer is quite effortless, become an expert. Transform yourself into a brand. How do you do this? By sharing what you know. Your expertise is what will attract other like minded people to you. State the problem, and then solve it for them. In the end, you become their guru, and then from there on you can easily lead them to where you want them to go. And where they are going is where your sales or your target objective is. Whether to recruit, to distribute, or to retail, you can easily do this as long as they need you. As long as you give them what they need, they will come to you. It’s that easy.

    What’s best about this is you’ve probably gone through so many failures about network marketing yourself, so you most certainly have a lot to say. By simply sharing what you’ve gone through, the reviews of the products or software you’ve used is help enough. Those who are interested in what you have mentioned there would soon be piling up asking more and more inquiries about you, about other products, and so on. Then they’ll ask what else you know, what worked, and all that. Can you imagine the possibilities? Of what you can offer them besides the business you’re in? Once you’ve established an image, it’s all but a continuous flow of leads.

    In the end, you become the old you who longs to generate quality leads, but now has possible downline prospects. You owe it to yourself to want to learn more about the other strategies and guide involved in the attraction marketing MLM system, and what other stuff it has in stored for you. It’s all but a few steps more, and then you’ll be on your way to instant unlimited leads in no time.

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    Source by Daegan Smith

    Views: 0

  • Find a Vaginal Yeast Infection Cure That Actually Works – 7 Simple Solutions You Can Use From Today

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    More and more women are seeking natural cures for Candida which we commonly refer to as a yeast infection. Of all the available treatments out there the holistic treatments are some of the only ones that have actually been proven to work. So it is possible to find a vaginal yeast infection cure that actually works, and works fast?

    Healthy bacteria is necessary for the body to survive, but when the fungus Candida albicans begins to multiply it causes infections in the body. Vaginal yeast infections can be very embarrassing, painful and annoying, so it is important to treat the infection as soon as it is discovered because it can spread and get worse.

    A vaginal yeast infection cure that is natural will target the Candida albicans and promote the development of healthy bacteria at the same time. By controlling and limiting the growth of the yeast it is possible to get rid of all the uncomfortable symptoms that such an infection brings, and more importantly prevent future infections from occurring.

    Natural cures provide immediate relief from the itching, burning, pain. and the many other annoying symptoms that the infection causes.

    Have you tried various pills, creams and douches to cure your infection without success?

    Diet is one of the biggest factors causing in yeast to grow and multiply in the body. Try these 7 home remedy solutions today for immediate relief from symptoms.

    Keep the vagina clean and dry

    • To relieve itching and burning, healing needs to occur so keep your vagina clean and dry. When you use the bathroom wipe your vagina completely. Put some unscented some powder on it, like Goldbond powder or baby powder. Goldbond powder should take away some of the itch, and if there is any burning from any sores it should take that away too.Use an unscented soap like Neutrogena bar face soap when taking a shower.
    • Do not use toilet paper with dye in it.
      Diet

    • Eat one clove of organic garlic in the morning, chopped, with a glass of water. Garlic is a natural fungicide which will kill candida.
    • Avoid brewer’s yeast or foods rich in yeast.
    • Eliminate all sugar such as soft drinks, cookies, added sugar in your tea and coffee from your diet.Yeast feeds on sugar so you need to starve the yeast. After your yeast infection is gone you should also watch how much sugar you eat or drink so that the yeast does not reoccur.
    • Take a probiotic like Acidophilius each day. Your body needs good bacteria and the Acidophilus will help to get rid of the bad bacteria. You can also use yogurt that contains Acidophilus.
      At home treatments

    • Sit in a tub of warm water about hip deep for 20 minutes using 1 cup salt (base)and 1 cup vinegar (acid). This will bring the ph of the vagina to 4.5.
      If your yeast infection is very painful put one big fresh clove of garlic into your vagina. Do not put it too far though. Leave it in for a few hours or overnight. Thus will relieve the pain quite fast.

    If you are suffering from yeast infections you surely don’t have time to waste on treatments that do not offer immediate relief, or keep the infection from coming back. The best cures available will isolate the Candida albicans and kill it, not only will this make the yeast infection symptoms go away but they will help you to avoid future yeast infections all together.

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    Source by Marissa Nathan

    Views: 0

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

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

    Why is this important to me?

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

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

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

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

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

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

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

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

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

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

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

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    Source by Joe Mosed

    Views: 0

  • Finding Emotional Intelligence in Negative Emotions – Positive Purpose in Sadness Anger and Fear

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    Emotional Intelligence is severely undervalued. When you feel stuck, frustrated, stressed, upset, or overwhelmed, skillful emotional awareness is the key to moving forward. Underneath your upset is a specific emotion that can guide you. The key, then, is to understand the messages in your feelings and become skillful in using their energy appropriately.

    Even so-called “negative emotions,” such as sadness, anger, and fear, convey important information and energy to carry out specific actions that can help you and others. Emotions arise with a purpose and when this purpose is fulfilled the feeling subsides. Unfortunately, as a society, we have not learned to understand and sufficiently value emotional energy and information, so we tend to deal with these feelings crudely.

    For example, with an emotion like anger, you might express it explosively or shove it under the surface, because you do not want to act angrily. Either you express your feelings reactively or cease feeling altogether.

    Emotional Intelligence expert, Karla McLaren, describes a healthy third alternative. She says you can facilitate the healthy flow of emotions by consciously “channeling” the information and energy that emotions provide. In other words, emotions contain meaningful messages along with energy to do something related to those messages. This is true for so-called “negative” emotions as well as “positive” ones.

    For example, McLaren suggests that:

    • ANGER arises when you, or someone or something you love, is threatened and you need to take protective action or set a firm boundary.

    • SADNESS arises when you need to let go of what no longer serves you or what is past, so you can move forward.

    • FEAR arises to prompt you to take preventative action.

    • JOY prompts you toward expansive, expressive, creative action.

    • COMPASSION prompts you to care for others.

    So, every emotion has a MESSAGE and ENERGY to carry out a specific type of action. Tuning into your emotions helps you to receive these messages and take these actions.

    Let’s explore the first three of these emotions in more depth. Sadness, anger, and fear are often misunderstood and handled poorly. We tend to repress them, stay stuck in them, or express them unskillfully, with negative consequences.

    So, as you work with these emotions, it’s important to do so Mindfully. Approach them as a curious observer with an attitude of paying attention, on purpose, in the present moment, without judgment. Know that emotions are simply information about yourself, others, and events, along with energy to do something about this information. They do not define who you are and they will pass as you gather their information and take appropriate action.

    (Note: If you feel overwhelmed or paralyzed by feelings to the point where you are unable to consciously process them yourself, seek the assistance of a counseling professional who is trained to work with intense emotions.)

    The Positive Purpose of Sadness

    The purpose of sadness is to enable you to let go of what is no longer working or what is past and finished. Sadness is a watery downward-flowing energy that enables you to release what no longer serves you, so you can return to fluidity and flexibility in your life.

    By allowing appropriate sadness to flow through you, you’ll make space for new energy and new possibilities. If you do not consciously acknowledge sadness or don’t know how to flow with it, you’ll bury it inside, where it will perpetually cycle, or you’ll get lost in the feeling and be overwhelmed.

    Here’s a practice adapted from Karla McLaren’s book, “The Language of Emotions,” that can help you consciously process feelings of sadness.

    1. When you feel sadness flood into you, take some quiet, private time to center into the feeling. Tune into the sensation of sadness, locate where it resides in your body, and approach it with curiosity to learn what it has to tell you.

    2. Take a deep in-breath as if you are filling your whole body with your breath. As you exhale, make a sighing sound, and feel the energy of your sadness flowing like water down through your body, through your legs and feet, and down into the ground.

    3. Stay centered in your inner space and ask your sadness the question: “What needs to be released or let go right now?” Don’t rush to fill in an answer. Instead, keep the question open. Listen and feel inside.

    Repeat your sighing breath down through your body as many times as you feel the need and keep your question open for your deeper knowing to respond. You may find you know right away what you need to release or you may find it becomes clear later. Either way, tuning into sadness (or any emotion) mindfully initiates a process of discovery and integration that will help you move forward.

    The Positive Purpose of Anger

    Anger arises to create and preserve personal boundaries and safeguard personal space. You feel angry when a personal boundary or the boundary of someone or something you care for is disrupted or violated. When you are able to identify the source of the perceived threat and use the energy available in anger to strengthen your personal space and take appropriate action, anger will recede. It will have accomplished its purpose.

    Here’s a practice adapted from McLaren to gather the information and use the energy in your anger:

    1. When you feel anger rising, focus inside your body and become more in-touch with the felt sensation. Approach the feeling with curiosity to learn more about it.

    2. Take a deep in-breath. As you exhale, imagine and feel as if the energy in your anger travels outward into a sphere about an arms-width around you, your personal boundary, strengthening it with a brilliant color. Do this until you feel a shift in your energy, so you are witnessing, feeling, and working with the energy in your anger without being consumed by it.

    3. Ask your anger this question: “What needs to be protected or restored?”

    4. Then ask, “What action will restore healthy boundaries and protect what is important?”

    These questions help you identify what feels threatened, so you can take appropriate action. Try this when anger arises and see how it works for you.

    The Positive Purpose of Fear

    We’ve been told “Fear is what holds us back” and “The only thing to fear is fear itself.” If we can just overcome our fears, we’ll be able to live full-out and realize our hopes and dreams. But, what if this perennial wisdom regarding fear is missing something? What if fear in its essential form is one of our wise guides?

    Emotions have three primary forms: unconscious reactive expression, a repressed cycling state, and a healthy free-flowing state. It may be that we are only familiar with the first two forms of fear: a reactive expression that makes us cower and a repressed state which creates constant low-level anxiety.

    Fear in its healthy free-flowing form is something altogether different. What if fear can signal intuitive awareness of something that needs attention? What if it can alert you to important action?

    This form of fear is a sixth sense that reaches out through your personal space to pick up signals about what is happening inside you, with others, and in your environment. Fear can alert you to what is happening in your own body. It can alert you to the actions and intentions of the people around you and to conditions in the environment. When you learn to discern this information, it can help you can choose wise actions.

    To learn to use fear as a wise guide, try this simple practice:

    1. When you feel fear arising, take a quiet, private moment to center into the feeling. Tune into the sensation of fear, locate where it resides in your body, and approach it with curiosity to learn what it has to tell you.

    2. Take a deep in-breath as if you are filling your whole body with your breath. As you exhale, imagine and feel that your breath fills the sphere of your personal space about an arm’s width around your entire body. Sense into your personal space and into the wider space around you and search for subtle signals. For example, you might be drawn to an area inside your body or to look at something or someone in your environment. You might feel the urge to move toward or away from something.

    3. Stay centered in your personal space and ask your fear the question: “What action needs to be taken right now?” Don’t rush to fill in an answer. Instead, keep the question open. Listen and feel inside. See what presents itself. You may have an inspiration to take a specific action.

    It can take time to learn to discern guiding signals. As best as you can, be patient. The simple action of tuning into emotional signals is a cultivated skill. You’ll grow your ability to sense inner guidance from fear and all your emotions through mindful practice over time.

    You’ll also learn to discern the quality of signals that represent accurate present guidance from false interpretations based on painful past experiences. There’s a different felt quality to accurate versus false guidance. False guidance may feel alarming, stressful, or rushed. It is fixated on what happened in the past or overly-anxious about the future. Accurate emotional guidance has a matter-of-fact, present, forward-moving quality, that feels like perfect timing.

    So, in summary, as emotions come up, instead of being wary of them, what if you welcome them, become curious, and ask:

    • What is the sensation of this emotion in my body?

    • Exactly what emotion is this?

    • What is the message in this feeling?

    • What is it asking me to do?

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    Source by Kevin Schoeninger

    Views: 0

  • Will You Marry Me? Four Simple Little Words, That Mean So Much

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    Since my social gathering, thoughts took me back my own marriage proposal, some 16 years ago. I had imagined how it might unfold; we had talked about marriage and family, so I knew it would arise at some point. Would it be full of romance, flowers, a candle-lit dinner and my future husband down on one knee, eloquently pledging his undying love for me! Well, not exactly – after a drunken evening in a local nightclub, you know the ones, with sticky ‘beer soaked’ carpets and dated disco tunes; he turned around to me and said ‘How about it then, shall we get married? Not the dreamy scene I had hoped for, but of course, I said ‘yes’ and we have been happily married with 2 children and a dog for the last 14 years.

    How many of us wait in anticipation for our partners to pop “the question?” Then are disappointed when either, it never happens or when it does, it doesn’t live up to our own expectations. Dreams of being whisked off to a secret exotic location, a special evening in the finest restaurant, and then finally having plucked up the courage to ask, and in front of an unsuspecting audience, your companion is down on one knee saying the words you have been waiting for.

    I have to tell you, although you might not believe me, this type of scenario does happen in real life. The friend that caught the bouquet had a marriage proposal that could have been taken from a film set.

    It started with a mystery holiday that had been planned as a birthday treat, she had no idea of where she was going and was told to pack for warm, sunny weather. The destination was the Greek island of Santorini, staying in a lovely hotel with magnificent sea views.

    A carefully planned romantic walk, where a ‘sea view’ table and a bottle of chilled Moet awaited them to watch the sunset. Along their ocean saunter, a detour to a traditional greek church with white washed exterior and striking blue dome, as my friend finished taking numerous photographs, she turned round to be presented with a handmade puzzle!

    I sure you can guess what came next, when she placed the puzzle pieces together, those simple four words appeared in front of her and her man, down of one knee, offering her the ‘sexiest’ (her words, not mine) engagement ring she had ever seen. Don’t be surprised when I tell you that, not only did my friend’s thoughtful fiancée plan the mystery trip, sea views and romantic proposal, he also designed and arranged for the ring to be handmade with her birthstone!

    Other marriage proposal stories have floated past my ears over the last few years. One in particular, a tale of a treasure hunt, constructed from cryptic clues sending the hopeful lady on an adventure to a hidden destination. Upon arrival, a small Silver love letter necklace with a delicately engraved letter inside – Will you marry me? An engagement ring placed on a finger and another couple betrothed to each other.

    I am full of admiration for imaginative partners that take the time to plan a proposal, complete with surprises, mystery and the odd glass of champagne. Not everyone needs to go to these lengths and as long as the sentiments of the words are truly felt, then any proposal is a special moment. Regardless of how a marriage proposal is planned or not, from my ‘sticky carpet’ moment in the local nightclub or my friend’s Shirley Valentine meets Mamma Mia adventure on the island of Santorini, with marriage statistics as an all time low, isn’t it all about being asked those simple 4 words and living in happily ever after – with the perfect Engagement ring of course!

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    Source by Claire L Bentley

    Views: 0

  • The Importance of Proper Sales Techniques

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    The success of any business can be directly related to the quality of its staff and the ability to meet any consumer demand. When your business struggles in this regard it helps to identify the areas of inconsistency which can result in the loss of consumers due to employee negligence. To avoid this unfortunate turn of events with your own company, it is necessary to identify the many factors influencing the importance of pursuing proper sales techniques.

    Factor I: Building Consumer Relationships

    One of the greatest mistakes amateur sales associates make is focusing on the drive to make a single sale form a single individual. This short sighted strategy may help in improving sales numbers in the short run but will provide no value with developing future success. The first factor influencing the importance of sales management skills is found with building consumer relationships overtime. Whether you run a store or an online website, pursuing a relationship with your client will help to secure greater sales as well as develop the best form of marketing, positive word of mouth.

    Factor II: Enhancing Selling Ability

    If you were to provide any employee with the opportunity to work with a consumer eager to invest in a product you will develop a high level of sales success. The true skill or value of an associate is to have the ability to work with consumers who may not have this interest yet still make a purchase after working with your employee. The selling skills of an employee staff often represents the financial success the company has displaying this factor of importance with enhancing selling ability.

    Factor III: Problem Solving

    When a customer discovers a problem with a good or service it is often easy to lose their business to a competitor in a short period of time. If a customer contacts your company with a problem it creates the possibility of salvaging your relationship by resolving the problem and enhancing consumer satisfaction. When your sales staff can utilize the sales management skills of problem solving it will boost your business success, marking the importance of this factor in relation to proper selling techniques.

    Factor IV: Revenue Development

    The final factor of importance identifying the need for proper selling skills is seen with the value of revenue development. Every business relies on the resources of revenue development so the elements of building consumer relationships, enhancing selling ability and efficient problem solving will all help in keeping consumers and meeting this high demand factor.

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    Source by Peter McKeon

    Views: 0

  • 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

    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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  • Physical Therapy and Sports Medicine – Know the Differences

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    It isn’t unusual to use the terms sports medicine and physical therapy interchangeably. However the two aren’t exactly the same things even though you may find yourself the patient of both fields at the same time.

    While compatible, the difference between the two branches of medical discipline is clear. Both are effective for treating injuries, diseases and disorders of the muscle and skeletal systems of the body and both are useful for the prevention of future injury or disease symptom reoccurence. By taking an individual look at both types of medical assistance, you will soon see the differences between physical therapy and sports medicine.

    Let’s take a look at the field of physical therapy first. Unlike sports medicine, physical therapy as a whole is devoted to correcting any injury, disease, or disorder of the bones and muscles that can be treated with non invasive techniques. The focus is to provide patients with relief from pain, improve their muscle, joint, and bone function, while providing techniques the patient can use on their own for additional healing. The primary tools of a therapist are good diagnosing and evaluating skills, knowledge of the musculoskeletal system, and knowledge of which therapy is effective for each situation.

    One large difference between the two is that physical therapy doesn’t only deal with sports related injuries or problems. Physical therapists can choose to specialize in their careers with emphasis on things like pediatrics, geriatrics, and neurology. Other areas of expertise included in physical therapy are sports, cardiovascular sciences, and occupational therapy.

    When you are looking at the differences between these two healing arts you certainly can’t overlook sports medicine. The type of medical discipline is solely used for sports related injuries and disorders. While sports physical therapy techniques are commonly used in addition to sports medicine, sports medicine may involve surgeries, procedures, and medications not used in physical therapy. Sports medicine practitioners also can have specialty fields as well. Orthopedics and skeletal emphasis are common. Advanced study of how long term sporting activities and treating sports related injuries are always a part of this particular discipline.

    Understanding the difference between physical therapy and sports medicine may be key to determining how to best treat your physical problem. While they can and are commonly used together, each one has its own distinct benefit. Your medical care team can further help distinguish the two and point you in the right direction in terms of your health care needs. The important thing is take care of any injury, sports related or not, to ensure your body’s function in the years to come.

    The difference between these two medical approaches is obvious. Although the two are often used together, each one has its own purpose and uses. Your doctor can give you advice on which specialist is right for your needs.

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    Source by John Groth

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