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Writing a Financial Plan on Your Own

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Like anything in life, you need a plan to succeed. That applies to your personal finance too. No one is completely secure financially unless you have accumulated millions of dollars and decide to live off the nest egg for the rest of your life.

Unfortunately, for most people, they are unprepared for retirement. Financial planning is crucial in reaching your goals of retiring comfortably. But having say that, how does one go about writing a financial plan without any formal education?

Below is a quick step-by-step guide to writing your own financial plan. Of course, a professional financial planner may be able to give you a more comprehensive financial plan but this will be a good step forward in understanding your needs and clearing some stumbling blocks.

1. What Are Your Objectives?

Don’t be afraid to dream – you only live once. Think about the size of the home, the education, your family, etc. Just pen these thoughts down of how you want the future to look like. Once you list down your ideals, remember to factor in mundane issues like kids education, insurance, etc.

Your goals should include:

* Education. Regardless of your age, extra education and training are needed either for a career switch or self-improvement. A lot of people are taking college courses (even with teenagers) or upgrading to an MBA to climb the corporate ladder. Even if college education is out for you, you still have to plan for your children’s college degree, unless you intend to leave them to their own devices.

* Career. What field do you desire to work in? Is it a creative job or a typical 9-5? Or do you want to be your own boss? Do you want to create multiple source of passive income?

* Lifestyle. Is work or family more important? Are you contended with “simpler living?” Do you desire a Porsche or BMW? Do you want to live in a mansion, a seafront house, etc? Do you have expensive hobbies life golf? These all cost money so tabulating the expenses and matching it to your income is necessary to achieve your lifestyle goals.

* Retirement. Don’t forget about retirement. It is a moment when you lose your income. So how do you want to live while retired? Will you downgrade your house, live with your children, or move to a retirement community?

* Insurance. Nothing is certain in life. You need to be insured for worst case scenarios. Every financial plan must have provisions for insurance.

These objectives may seem daunting but they need not be wishful thinking. The actual money set aside could be much less than you think, if effective financial planning is involved.

2. Plan Your Income

Of course, your financial plan isn’t just about your dreams. How are you going to pay for it? I assume you don’t have a sugar daddy, so you should be following a life of employment. Most people have their career path charted in this format – go to college, get a job, work hard up the ladder and retire.

There is nothing wrong race except there is high uncertainty in today’s globalized environment. People change jobs all the time due to layoffs or to seek fresh challenges.

Instead of a day job, you can consider starting a businesses or becoming a freelancer to sell your skills. Business isn’t just for those with money, MBAs or connections. You can start a home business to mange lawn care, making money online with a website or a vending machine business.

Besides becoming your own boss, you can find other income through network marketing or investing.

Investing is efficient in building side income as it is simply growing the money you already have. You can buy gold, stocks, bonds, real estate, etc.

Regardless if you are a business owner or an employee, you should not let your money sit idly under your mattress. Even putting your money into an online savings account is more profitable.

3. Writing Your Financial Plan

At its core, a financial plan is a lifelong budget. You’ll be budgeting not just your next paycheck, but for your entire life. Planning involves knowing how you’ll get there and when you’ll get there. There are no hard and fast rules.

You have to be rational enough to assess your current situation, creative enough to see what is possible, and have the integrity to follow through with the plan. Remember, just because it’s on paper doesn’t mean it will happen – you have to decide to follow through and live up to your goals.

Get started by doing the following:

* Timeline. Establish where you want to be in five years? Ten? Thirty? Fifty?

* Research necessary costs. Your current “bills” plus 5% inflation per year. Don’t forget to factor in life insurance, health insurance, car insurance, etc.

* Research luxury costs. What you “want” to do. Cruises, nice cars, nice house, etc.

* Plan income strategy. For most people, they start with salaries. But don’t forget that your job isn’t your only means of income. Starting a side business, a money making hobby, or even making money online are viable options for extra income.

* Plan Investments. Investing is simply a must to counteract against inflation. You can invest in anything. Just make sure you know what you’re doing, and don’t put all of your eggs in one basket. As you age, financial security should become more and more important.

Try to factor in every cost and possible incomes. Whenever you aren’t sure about the numbers, be conservative. Also, bear in mind that a financial plan is ALWAYS about your goals. It’s not just about the money – it’s about getting what you want out of life. Money is just the tool.

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Source by Barry Ritz

Views: 0

February 10, 2020
Ten Ways to Offer Better Customer Service
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Today’s savvy customers not only want excellent service, they often expect it. Customer service was the main quality focus of growth and improvement for companies in the last few decades, which is why many now expect it. Companies can lose customers over bad customer service and may retain customers who feel treated respectfully. How well customer service works depends greatly on the attitude and training of company human resources, even those not in the service areas. Below are a few ways everyone can improve their customer service skills and attitudes.
1. Always smile when speaking with the customer, whether in person or on the phone. Smiling lifts your attitude and the positive ness can be heard in your voice.
2. Greet customers by saying hello, giving them your name, and asking them how you can help.
3. Whenever possible, be empathetic. Let the customer know you understand their feelings and want to be of help in solving their problem.
4. Be sure to ask for their name so you can call them by it when responding. This makes the conversation seem more one-on-one friendly rather than combative. If you are on the phone, get their phone number too in case you become disconnected or need to do research. With their phone number, you can call them back if necessary.
5. If you must put a phone customer on hold or your computers are down, let them know how long the hold or downtime might be. If it will be more than a couple of minutes, you should give them the option of holding or having you calling them back when you have completed your research or when the computers come back up. The customer may choose to call you back, but never tell them that is what they must do. Be sure to call them back in the stated timeframe even if it is only to say you still do not have an answer. Lack of communication is often more frustrating for a customer than having to wait a little longer for results.
6. If the customer is angry or determined to complain, stay calm and don’t take their criticism personally. Ask questions so you can get to the root of the problem or issue. However, do consider their criticism as suggestions for future improvement of your company processes and services.
7. If you do not have an answer for the customer, do not make something up. Instead find someone who can give you the correct answer. Customers don’t like being lied to or patronized.
8. Find the best way to resolve the problem and satisfy your customer without having to go through multiple levels of approval or breaking any rules. Multiple levels of approval only slow the process down and do not help the customer, so avoid them whenever possible. However, if you must get an approval, let the customer know the process and how long it may take and exactly when they can expect a result. You can often go the extra mile for the customer without breaking any rules or going against written policies.
9. Once the customer’s problem is resolved, ask if you can be of any help with anything else. Be sure to thank the customer before saying goodbye.
10. Always remember the golden rule is the best rule of thumb for customer service “Do unto others as you would have them do unto you.”
These are simple ideas to improve customer service skills and attitudes in employees. It is important to always remember that customers today expect excellent customer service and will go where they can find it. Companies lose customers over bad service. So offer great service instead to help retain customers.

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Source by Shirley Lee

Views: 0
February 9, 2020
Three Reasons Why Money Was The Worst Invention Of All Time
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Who invented money? Ask any number of people and they couldn’t tell you who it was that actually invented money or where the idea came from. History has given us some bad ideas, but money has to be the worst and here are my top three reasons why.
1. Something Invented By Man Should Not Have Power Over Him.
  If I think really hard and try to imagine a time without money, before it was invented and used on a daily basis, I tend to imagine that the world was a completely different place. People most likely had a barter type society where goods and services were exchanged and that is how one survived. If I had a particular skill, say hunting, and you were hungry you could come to me for food. The idea would be that if you could make fire, and I could provide the food, then we could exchange our skills or abilities and everyone got what was good for them. I assume, for the sake of argument, that if someone possessed absolutely no skills whatsoever, that person was still allowed to eat. I can’t imagine that I would loan the helpless soul some meat, only if it could be paid back somehow. Before helpless soul could blink, he might owe me for five dinners and then I have to send out the collection agents to call in his debts. Money provides control, in both a positive and negative control. Although it is man made, and essentially just a piece of paper or a mixture of cheap metals, money has power, and is power. I can just imagine Mr. Helpless Soul explaining to his wife that he can’t repay the hunter and doesn’t know what to do. So Mr. Hunter decides to enslave the Helpless Soul family until the debt is repaid. It is unfathomable to me that so many people in my country, and the world go hungry every day. Those who possess the money have the power to deny the needs of those that don’t have means. Where have the humanitarians gone? I’ve seen a business owner kick out a person who was homeless and starving, and then half an hour later deal with a complaining customer as he shouted that his food was not hot enough. Money only has the power that we give it. If we choose to see it as just a means to an end, or just some silly paper we have been told to obey our whole lives, then one can focus on what really matters. I am not advocating not paying debts, or shucking responsibilities. This is the world we live in, and norms must be followed…until the laws change again to suit what the politicians want on any particular whim of a day.
2. Money Shifts Focus From Helping One Another To Arbitrary “Worth” Of Mere Things.
  Why should I do anything to help anyone else, unless they can pay for it? If my entire focus in life is to obtain material things, then I should only be motivated by money, or obtaining it, to do anything. What is anything really worth? Marketing companies have defined worth for me since I was a child, and it was beaten into me during commercial breaks of GI Joe. What is the value of all of the things you want in comparison to something that really matters? Imagine what the worth is of spending one more hour with a loved one before they pass away and are gone forever. The worth of teaching your children that there is more to life than money and obtaining things. The worth of feeding a homeless man, and helping him have at least one night’s sleep where his stomach doesn’t keep him awake. The value of reaching out a hand and helping someone else in this world is worth more than the largest diamond, the heaviest gold, and the purest oil. Now, I am the biggest hypocrite on this topic, because I love things! It has been programmed in me for so long, it is hard to shake the desire to obtain things. Imagine a life in which people helped each other because it is the right thing to do, and not just for what they could get in return. The argument is, well, that things can’t just be free. You have to pay something to get something. How would the world work if everyone was just giving away everything for free and everyone just had everything they needed and didn’t have to be slave to credit card companies anymore or to a job that they dislike? How would we survive? My answer to those questions is, famously! I would be free to learn a trade that benefits others and could use that ability to provide for my family and to help others. I have wanted to help by donating or giving my entire life, but never had the means. I’ve donated a little time here and there, and not near as much as I should or would have liked to, but at least it was something. But because I like things, and those things have cost me money, I have to continue in my job, and repeat the same cycle my father did.
3. Money Makes You Question If People Really Care About You, Or Just Your Money.
  I try to envision the end of my life surrounded by those that have made my journey with me, who love and care for me because of the enrichment I gave to them through my friendship and dedication. In my latter years, enjoying my days with my wife, and talking to my grown children and my grand children. I want to soak up every single minute of my life between here and there. I want to feel and love and enjoy all that there is to offer. I have seen families destroyed, fighting over the money left behind after a loved one passes. Some of those grudges are held for the rest of their lives. They lose a relationship and also a loved one, and the only thing they can think about, is how much money they will be getting. More than likely, Mr. Entitlement as we will call him, won’t even miss the loved one that was lost. How many brilliant individuals never get the chance to succeed because of lack of means, and how many elite are given free passes because their pile of paper is bigger than yours. Do the people closest to you care about you or your money? Does the girlfriend only love you because of what you can buy her? Do your children only listen to you in order to get something they want? Take the money away, and would they abandon you? Such a great idea, this money.
My answer to all of this is that I don’t have an answer. My two year old daughter asked me about money and loves putting money in her piggy bank. It made me start to consider all the reasons I worry about money, and fight about money, and read books about money. Nothing like the honesty of a child, to make you sit and think.

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Source by Mitchell Pierce

Views: 0
February 9, 2020
Numerology’s Secret Strength – Your Habit Challenge

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Where do you turn in times of crisis? How do you find the inner strength to face problems which are beyond your normal strength? Numerology can tell you where your hidden strength lies, ready to come forth in the face of problems beyond your normal resources. This hidden strength is known as your Habit Challenge. This ability is also known as the Submerged Characteristic or Habit number. Normally it lays dormant, hidden in everyday life until you truly need it; Then it blossoms becoming a useful tool to be called on.

Finding your Habit Challenge

This is one of the simplest calculations in Numerology. You simple count the number of letters in your use name and then reduce the value with fadic addition. Your use name is what your friends call you, or how you introduce yourself. Note that since this can change through out your lifetime, your Habit Challenge will change as well. As an example, actress Angelina Jolie has a Habit Challenge value of (4) as shown below.

Angelina Jolie (Habit Challenge) = (8 + 5) = (13) = (4)

Habit Challenge (1) – Originality

People with this value respond to crisis by turning to their originality. They are best served by looking to themselves to find the answers they need, usually to the complete surprise of those around them.

Habit Challenge (2) – Collaborator

People with this value respond to crisis by teaming up with others. They are best served by being a good follower and trusting their partners to direct them in reaching their goal. If a need for diplomacy occurs, they are truly in their element and will bring good results.

Habit Challenge (3) – Creativity

People with this value respond to crisis by turning to their imagination. If there is an artistic solution to their problems, then they will solve them. These souls will also find an ability to put aside their fears and not take their problems seriously, letting them work with little pressure.

Habit Challenge (4) – Analysis

People with this value respond to crisis by turning to pure logic and their analytical skills. They will be able to turn off their emotions and work towards a practical and orthodox solution to their problems. They will never break down or lose their head until the crisis has passed.

Habit Challenge (5) – Flexible

People with this value respond to crisis by being flexible. They will accept change and take risk as necessary to reach their goals. If there is a New or unusual solution to the crisis, they will find it. These people will exhibit great versatility and quick thinking throughout the crisis.

Habit Challenge (6) – Responsible

People with this value respond to crisis by showing sympathy for others and taking on responsibility for the problem they face. These souls will work to shield their friends and family from the affects of the crisis and offer to sacrifice themselves to resolve the problem.

Habit Challenge (7) – Meditation

People with this value respond to crisis by using meditation or other techniques to seek knowledge from within themselves to resolve their problems. These souls will reject advice which they have not asked for, and instead look to their intuition for ways to solve their problems. They will always act with perfect timing while the crisis last.

Habit Challenge (8) – Ruthless

People with this value respond to crisis by being ruthless and efficient in their actions toward solving their problems. These souls are willing to set ambitious goals and work tirelessly until they are met. They will exhibit determination and infinite patience until the crisis has passed.

Habit Challenge (9) – Idealist

People with this value respond to crisis by being an idealist. They will be broad minded in their dealings with others, and generous with their time and resources while the crisis last. These souls will react dramatically with great flare towards those who oppose them until their problems are resolved.

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Source by Keith Abbott

Views: 0

February 8, 2020
Anal Sex: Here’s How To Make Your Woman BEG YOU For It – YES, Really – BEG YOU FOR IT

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You may think that the title of this article sounds too good to be true – but it’s 100% serious. You are about to discover exactly how to make your woman beg you for anal sex.

If you want to do your woman ‘up the back door’ but she isn’t currently too happy about the idea, here is how to make her want anal sex.

Most guys approach the issue of anal sex with their woman totally the wrong way. Here are a few examples of common methods that men use to try to get their woman to have anal sex with them.

If you are currently using any of the following ideas, stop it straight away:

Mistake #1: They try to persuade their woman to have anal sex with them by using logical arguments. For a woman sex is virtually 100% emotional. Therefore, logical arguments are a total waste of time.

Mistake #2: Some men just try to ‘slip it in the back door’ when they are making love to them and hope their woman just lets them carry on with it. This is a terrible idea and one that you must avoid because it will probably hurt your woman and this could turn her off the idea of anal sex for a very long time.

Worse still, it may break the sexual trust that you have with your woman. And when you lose that all important trust, you can say goodbye to your woman doing the really dirty, naughty stuff (like ‘back door action’) with you.

So now that you know how not to try to get your woman to have anal sex with you, I can share the secret of how to make your woman beg you for anal sex.

Pay attention, this is going to be fun…

For starters, stop viewing anal sex as something that you need to ‘win’ from your woman and something that at best she’ll tolerate in order to allow you to have a good time. There isn’t a real man on the planet who thinks like that.

Instead, adopt the belief that you are going to cause your woman to link massive amounts of pleasure to anal sex.

That is the most important step, so I’ll repeat it – you are going to cause your woman to link massive amounts of pleasure to anal sex.

And they way you do this is in very small steps.

You cannot expect her to go from having never had anything up her butt, to taking your whole ‘tool’ all in one night.

It ain’t gonna happen.

No, no, no – your game plan for back door action has to be much cleverer than that. But don’t worry; I have already got the game plan for you, so all you have to do it put it into action…

The 5 Step Plan To Make Your Woman Beg You For Anal Sex

– Step 1: Use your tongue to give your woman oral pleasure, wait until she is just about to come and then gently rub her asshole with your finger. Keep rubbing it as she comes and you have started the process of getting her to link pleasure to her ass.

– Step 2: Do the same as step one, but this time insert the tip of your finger into her butt as she is about to come and carry on doing it during her orgasm.

– Step 3: Repeat the process again, this time inserting much more of your finger (all of it if possible), into her ‘back door’ as she gets on the verge of orgasm and during her orgasm

– Step 4: Get a butt plug (start with a small one) and get her used to taking this up her ass. Be sure to insert the butt plug as she is about to come and during her orgasm. This way she links massive pleasure to her ass being touched by you

– Step 5: Get your woman extremely turned on and wet. Give her a clitoral orgasm (with anal fingering) and then give her a deep spot orgasm. Next, bring out the lube and attempt to put your tool in her back door (use the doggy style position).

Chances are that she’ll help you get inside her and totally enjoy the process. If she struggles to take you, repeat steps 3 and 4 and then retry step 5. Sooner or later she will beg you to take her in her butt.

I’m the first to admit that this process is not set in stone.

You have to be flexible in your approach. But this IS the way to do it if you want your woman to absolutely LOVE it when you take her in the butt.

After-all, do you really want her to just oblige you because you begged for it, OR do you want to expertly and patiently make her crave back door action?

If you want to make her crave it, use this 5 step process and be ready to repeat certain steps if need be. At the end of the day, it’s all good fun!

Let me know how you get on.

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Source by Adam A Armstrong

Views: 0

February 8, 2020
MLM Business Plan: How Can You Use One To Profit ASAP?

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Although getting a plan together is a genuine necessity, you’ll be pleased to know it’s actually rather simple to put one together or to make a few changes to your existing plan.

Many online marketers understand that getting a plan together is a genuine necessity, you’ll be pleased to know it’s actually rather simple to put one together or to make a few changes to your existing plan.

Although it is easy to create an MLM business plan when you know what your goals are, creating a profitable one is a different story altogether. To create these type of plans to actually turn a profit in your business, the main focus needs to be on how effective your marketing strategy is when it comes to generating commissions and sign ups in your downline.

There are two main ways in which you can advertise online to turn a profit:

1) Free marketing: social networking or content marketing are king here, basically any user generated content or anywhere in which you can interact one on one with another person within your circle of friends (or associates).

This is a fun way to incorporate marketing into your MLM business plan, but it can be time consuming and without a large amount of people following your content, you have no real leverage and therefore no immediate profit.

2) Paid marketing: this is an obvious one, but basically anywhere you pay to post an advert. For online marketing, adverts on other people’s blogs or sending solo ads to other marketer’s email lists are the most cost effective although there are more popular paid marketing methods such as Facebook advertising.

These get immediate and targeted traffic, but without the proper education on paid methods you will certainly break the bank before you profit. With this option, you must also understand that this is an investment and there are times when you may even lose money, especially if you promote your offer to the wrong target market.

Finally, you must analyse what you’re spending in your business. Is the product, service or event you’re about to invest in something that can be monetised, for example what will you learn in the training you purchase that will cover the cost of your investment? Or can you become an affiliate for what you’ve just purchased and sell copies of it to earn commissions?

In conclusion, when you’re piecing together your MLM business plan you’re going to need to take a common sense approach. Forget cutting corners to save money, make sure the focus is on providing value to your potential customers in your marketing efforts whilst making your advertising cost effective.

Lastly, ensure that the amount of advertising you will be implementing reflect on your goals e.g. number of sales a month so that you stay consistent with both your goals and marketing to avoid getting overwhelmed in your business, especially if you’re new to the MLM industry. Now that you have a basic understanding on how to profit quickly with an effective MLM business plan, what are you going to incorporate into your plan?

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Source by Seb Brantigan

Views: 0

February 7, 2020
5 Things I Did To Lose 92 Pounds

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I started my weight loss journey in 2012 after making a New Year’s resolution to shed some weight.

I was starting to develop symptoms associated with Diabetes and that scared me. My knees and hips hurt on a daily basis and it was getting hard to walk up and down the stairs.

Why I Gained Weight

I would say a lot of my weight gain had to do with inactivity. I work from home so I really did not have to leave the house. I was very inactive. Also during this time my husband was also out of work so it was a bit stressful. I did a lot of stress eating. I was eating at least 3,000-5000 calories a day with no exercise and burning less than a few hundred calories a day.

Here is what I did:

Sugar Detox

My husband came home from work one day and mentioned to me that a co-worker had lost an enormous amount of weight by simply removing sugar from his diet.

It is next to impossible to remove all sugar from your diet. Fruits and some vegetables contains natural sugars. Some simple carbs can convert to sugar in your body. The sugar he was referring to was white and brown sugar. I removed sugar from my diet.

I began to look at my diet and noticed that I ate a lot of carbohydrates (pasta, bread, rice, potatoes). I removed them from my meal plan. I also removed donuts, honey buns, cakes, cookies, ice cream, and pies from my meals. I wasn’t a juice or soda drinker so that was easy to remove. I also cut cheese and cows milk from my diet completely.

My Meals:

My meals consisted of: oatmeal, bananas, strawberries, eggs, turkey bacon, chicken, ground turkey, kale, collard greens, spinach, string beans,great northern beans, chic peas, broccoli, almonds, sunflower seeds. almond milk.

Water Intake:

I drank water half my weigh in water every day. This included green tea with lemon (no sugar, honey or agave nectar). Probably the hardest thing but I knew drinking water would help me stay fuller longer, help me stay hydrated and help flush toxins out of my system.

Exercising:

I walked 20+ minutes a day 3-4 times per week. I would walk everywhere. The nearest store was about 8 blocks. I did not care how cold it was outside. I was committed to getting as much exercise in as possible. I would make up reasons to have to walk to the store so I could get my steps in daily.

Bathroom Breaks:

Most people only release waste 2-3 times per week. I was eating 3-5 meals a day but releasing 1-2 times per week. I was beyond constipated.

Why is releasing waste important?

Cleaning your colon has the ability to assist in your weight loss. People have experienced up to 20 pounds lost over a month period. What a colon cleanse does is removes impacted food, parasites, worms and intestinal sludge from your colon. One of the many things this will do is it will help kick-start your metabolism thereby helping you burn fat faster.

I knew I had to do something so I began taking castor oil. That stuff is terrible and it made me gag but it did the trick. Within hours I was releasing but after I stopped the castor oil my system would not release so I had to try something else.

What I found is there are gentle detox tea’s that will give you the same results. I began adding this along with a liquid multi-vitamin to my diet and now I can go 2-4 times a day.

My Results:

As a result of changing my diet, increasing my vitamin intake and releasing more waste I lost 92 lbs in a 2 year period. I went from a size 18 to a size 10.

This was the plan I followed. I have been able to maintain my weight loss for the last 2 years.

For me this is not just a diet but a lifestyle change. I still enjoy the foods I like but in moderation.

Can this work for you? Yes. The question you must ask yourself is your current health worth it.

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Source by Theresa Johnson

Views: 0

February 7, 2020
Use Caution With Do Not Resuscitate (DNR) in Living Wills

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All people including lawyers need to use caution with Living Wills and the Do Not Resuscitate (DNR) clause. Our relative who was an Emergency Medical Technician (EMT) for 17 years said he would not sign a DNR because he thought if he did that it would allow physicians to cause his death. We respected his decision but could not believe that physicians who mainly preserve life would be anxious to end life. However, it turns out he was correct, a Do Not Resuscitate (DNR) document does give a nursing home or a physician a green light to determine when or if a person can get medical care to preserve life.

When you are signing paper work to place your loved one in a nursing home they will tell you how humane a Do Not Resuscitate (DNR) clause is, not requiring Cardiopulmonary Resuscitation (CPR) and/or a defibrillator which can break your loves one’s ribs. However, they do not inform you how bad it is for your loved one if they lose their mental or physical faculties unable to communicate their wishes for medical care and uncaring people determine the DNR means that they do not want medical care to extend their lives. Although my wife had a power of attorney requesting medical care for her Father, the Nursing Home staff just ignored us and our attempt to preserve the life of our family member.

It turns out they had our relative sign a DNR while in a mental fog of an infection. The physician made a misdiagnosis claiming this patient’s daughter (my wife) was mentally ill for trying to honor her Father’s last wishes. She could not adequately communicate with her Father so she had reservations about sanctioning an amputation of his leg without his consent which I thought was prudent. This physician had never even met or talked to my wife and had no psychiatric credentials we are aware of. But when a physician makes a notation in a medical file it has powerful weight with a Court even if the information is false. So the nursing home staff took the physicians view declaring my wife crazy for trying to preserve the life of her Father thus over ruling her rights as a power of attorney and were going to legally expunge the life of her Father who wanted to live.

Thus, a DNR in some circumstances can be more powerful than a power of attorney. I do not believe we are the only victims of this abuse of a DNR clause that some misguided people use to prematurely extinguish the value of human life. The common practice with the fervent sales pitch to get family members to sign a DNR out of humanity may be valid to a certain extent, but it can also be abused by people who believe they have the right to determine when a person dies.

Including a clause or adding a hand written notation that the DNR does not give any party the right to deny medical care to your loved one is advisable. A DNR has the ability to convert a physician or nursing home staff into a psychopath and you should have reservations about signing such a document.

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Source by Dale Adams

Views: 0

February 7, 2020
Book Review: Breaking Through, Being Healthy In Mind, A 250 Pound Weight Loss Story

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I recently finished two of this author’s eBooks: Breaking Bad, Overstanding Behavior from an Abusive Father, Breaking Point 1, and Understanding Manifestation, Create a Vision and Hold on Tight, Overstanding Book 1. The author, Jason Criddle, is a product of mixed race and broken home. His father, a black man, severely beat him when he was young, and when Jason was nine-years-of-age his father left him and his white mother to their own devices.

I was impressed with this author’s writing style as well as his forthright openness about his childhood and the insights into his eventual success. Consequently, I just had to read this book too. But the primary reason I looked for this weight loss reading in particular is the personal journey that I’ve experienced with obesity.

I was a slender youth, an active athlete in high school, and well-muscled – “lean and mean” while in the Marine Corps. However, about fifteen years ago I came to the realization that I’d gained from 3 to 5 lbs. annually for the past twenty-five years. When I was in the Corps I weighed 185 lbs. Since then, the high-water mark for me was 308 lbs. I felt terrible, it hurt to sit with that large belly in the way, and each of my joints ached when I walked. So, I’ve been searching for diets to bring me back to my optimum weight.

Slim Fast and other supplements didn’t help. Atkins, liquid, and a number of other diets didn’t help. I’ve read a few books that have helped to some degree… books about quinoa, healthy slushies, juicing, paleo-diet, even hypnosis, and self-affirmations, all have helped. But I needed to find something that was all-encompassing, something that would touch all aspects of life. I found it in Breaking Through. Our author has presented us with a change in living, a change in life, and a new method of thinking. It’s not just diet and, in fact, this is not a diet book. It’s about keeping active, eating smart at correct intervals, and thinking positively.

I’m proud to say that I’ve lost 21 pounds, down to 287, about a pound or two over each of the past three months. That is in fact the best way to lose weight – slowly, but consistently. If you tend to gain weight over the holidays and need to start a healthier lifestyle this, of course, isn’t the answer to everything, but it’s certainly a start and it’s an inspiring read!

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Source by Christopher E Gregory

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February 7, 2020
What’s the Best Way to Make Money at the Dog Track?

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Success at the dog track is measured by how much money you make. It’s as simple as that. If you walk out with less money than you walked in with, you have a problem. If you walk out with more money than you walked in with, on a regular basis, you’re a winner. Of course, we all have our losing days, but you need more winning days than losing ones.

So, what’s the best way to make sure that your bankroll grows rather than shrinks? While there are a lot of different ways to handicap greyhounds, I think that there’s only one way for most people to get to where they can make money at the track almost every time they go. You do it by starting small and building up to making bigger bets.

Your instinct might be to make big, complicated bets – wheeling and keying dogs in trifectas and superfectas. Unless you have very deep pockets, phenomenal luck and fantastic handicapping skills, you’ll lose your shirt. Instead, here’s the best way to win money and keep more of it at the dog track.

Start with win bets. Find the best dog in a race and bet it to win. Use a good handicapping system and don’t bet too many bets on a program. Betting every race is the quickest way I know to empty your pockets and get discouraged. However, DO handicap every race. Play the ones you’re surest of and just watch the rest and see if your pick wins.

No one can pick a winner in every race, I don’t care how good they are at picking dogs. On a program with 10 races, the average beginner should bet no more than 3-4 dogs. Do that until you’re hitting enough so that you’re ahead on almost every program. It’s very important to keep good, written records of your picks. No changing your mind after the race because you would have picked a dog. Be honest with yourself and keep track of your wins.

When you get to where you’re picking enough winners to make a profit on them on a regular basis, increase the amount of your win bets. That’s all there is to making a consistent profit at the track. Once you’ve mastered this, you can go on to quinielas, trifectas and even superfectas. But until you develop your handicapping skills, stick with small win bets on a few races. It’s very hard to do, but worth it in the long run.

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Source by Eb Netr

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February 6, 2020