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MLM As a Business Tool

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Multi-level marketing or MLM for short is one of the fastest -rising star in business. It is easy to set up, fast to do and not very difficult to manage as long as you manage a tight ship and create a structure without the holes. These reasons, however, are also the ones that made multi-level marketing as a business tool notorious. People who are out to rob other people of their hard-earned money, used the business structure to create scams. I am sure you have heard of the pyramid scams. The models they used are similar to multi-level marketing except that they are not legitimate business with no legitimate products.

As a business tool, MLM is ingenious. Instead of creating stores and distributing through the usual channels, MLM makes use of ordinary people and their wide range of contacts. It actually takes advantage of the fact that communication now is so much better than before. This means that people you have not even seen in decades can easily be contacted. And the more contacts you have, the better for multi-level marketing because in essence, you will be using their contacts too.

To make you understand MLM much better, here is how it goes. A company with products recruits distributors that will help them sell their products to people. Usually what big companies do is look for big companies who can put their products in the market. The same concept is applied to multi-level marketing except that people act as distributors and not companies. It’s the marriage of distributorship and the legendary Avon way of selling, direct to consumers. This actually gets the best of both worlds.

With this business tool, multi-level marketing companies recruits people who can directly distribute their products to consumers. These people however do not just sell the products, they can also recruit people who can help them sell their products. Thus, increasing their total sales. When a lot of people are already part of one person, this is already considered as a group and group sales are often rewarded with commissions. In fact, the more people you have, the bigger sales you will naturally have. This is the principle of multilevel marketing.

The beauty of this business tool is the fact that products are sold directly to people and yet you have people under you to help you do it. To earn a commission, you don’t need to actually sell the products yourself. You can recruit people to do it for you and then have them do the work. This is ideal for people who have a lot of contacts and network that they can use. Some people do not even have to meet in person to strike a business deal. This is especially true if the MLM company has offices in different states and countries.

One word of caution though when thinking of joining a company that engages in multi-level marketing is to see if they have legitimate products that they can actually sell. You should also see if the company is also a legitimate one. This means it needs to have some manufacturing plant and a main office and business structure to qualify as legitimate. This separates companies that uses it as a business tool and companies that are out to just scam people. Knowing the difference can make save you a lot of effort and of course hard-earned money.

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Source by Terez Dunn

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February 7, 2020
Your Thoughts Plus Emotion Create Thought Forms

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Think of a time you walked into a place and you felt peace surround you. Now think of a time when you felt discord surround you. Both times you experienced what is called thought forms. This is when the energy of your thoughts and feelings “take form.” An energy is created which is so strong it can be felt by others if they are paying attention.

Creating a Negative Thought Form

A passing thought, one without feeling, does not create a thought form. You need the power of your feelings to make such a creation. This is why it is crucial to manage your thoughts and emotions. What you hold in your mind surrounded by emotion stays with you. It can be supportive for you or it can hinder you.

Let’s say you are having a bad day. Things didn’t go well at work. Your lunch ended up in your lap and there was a traffic snarl which prevented you from getting home as scheduled. And, yes, when you walked in an hour late, the dog hadn’t been able to hold it and had pooped in an inconvenient place.

With each new thing that went wrong, your feelings of distress become stronger and more pronounced. You can almost feel a little black cloud of frustration or depression surround you. The longer this cloud of negative emotion surrounds you, the more difficult it is for you to pull yourself out of the emotional dumps.

Transforming the Negative to a Positive

To pull yourself out of the dark hole you find yourself, you need to get rid of the black cloud. How do you do that when one thing after another has gone wrong? It takes an act of will and determination on your part. Here are a few tricks.

1. Focus on your heart. You will find that your mood lightens when you do this.

2. Breathe in and out of your heart. This helps you to become even more centered.

3. See those heavy feelings as a cloud and see them being washed out of your body and into the ground.

4. Imagine a time of great joy, peace or relaxation. Really feel it and put a color to it.

5. Allow that color to expand outwards and totally surround you.

You’ve now changed the reality you created from one of darkness to one of joy.

If you do this on a regular basis you will find yourself being more disciplined about the thoughts and feelings you have. You will become aware that they are transitory and you can change them to something that will move you forward in life.

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Source by Cathy Chapman, Ph.D.

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February 5, 2020
Created To Bond – Changes That Heal Part II
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Failure To Develop Relationships

Emotional ties have a dramatic effect on our well-being. When one fails to develop relationships or bond with others, it can and often does affect their ability to stave off or recover from a variety of not only physical but also emotional ills. When they learn to attach to and trust others, they begin to develop not only emotionally, but also psychologically. Thus, their ability to bond with others… to become closely knit, often carryover into their home life.

When a child is distressed, he/she may show unusual signs such as increased pulse, increased or labored respiration, helplessness, and hopelessness and may easily become enraged. These signs are often seen when the biological parent remarries and the child tends to believe that he/she must compete with the step-parent for the biological parent’s attention.

When the adoptive or step-parent enters the situation with food, physical contact, compassion and other help, the child learns her parents can meet her needs. The child is then more active and able to respond to stimulation such as playing. When the child is content, she is able to sleep and feel comfortable in her surroundings.

According to Deborah Gray, author of Attaching in Adoption, “attachment is a relationship formed primarily with members of the family and requires more time and interaction to be created. Attachment is what most adoptive parents are referring to when they talk about bonding with their child. Adopted children of all ages may have an attachment to their birth family, even if the relationship was neglectful or abusive. Many adoption experts agree that if a child can form an attachment to birth and foster parents, she will have the skills to attach to her adoptive family as well.”

Signs of Secure Attachment

The parental attachment process can often take weeks or years to fully develop, and in some cases there maybe pervasive attachment disorders for which professional therapy will be required. A strong indicator of whether attachment is taking place is the comfort with which the adoptive or step-parent is able to recognize the child’s needs. It is important to remember that the repetition of parents meeting a child’s needs is the foundation of forming a secure attachment with children of all ages, not just infants.

The attachment bond shapes an infant’s brain

The attachment bond is the term for our first interactive love relationship-the one we had with our primary caregivers, that is, our mothers. The mother-child attachment bond is instrumental in shaping infants brains. This important attachment profoundly influences our self-esteem, our expectations of others, and our ability to attract and maintain successful relationships. So, the success, or failure, of our first love-the attachment bond-has a life-long effect.

Our secure attachment bond shapes our abilities to:
- feel safe
- develop meaningful connections with others
- explore our world
- deal with stress
- balance emotions
- experience comfort and security
- make sense of our lives
- create positive memories and expectations of relationships
Attachment bonds are as unique as we are. Primary caretakers do not have to be perfect. They do not have to always be in agreement with their infants’ emotions, but it helps if they are emotionally available a majority of the time.

We were born with an innate or preprogrammed need to bond with one very significant person-our primary caregiver, usually our mother. Like all infants, you were a small bundle of disjointed emotions-intensely experiencing fear, anger, sadness, and joy, often at the same time. The natural emotional attachment that grew between you and your caregiver was the first interactive relationship of your life, and it depended upon nonverbal communication. Therefore, the bonding you experienced in this relationship determined how you would relate to other people throughout your life. This bonding relationship established the foundation for all verbal and nonverbal communication in your future relationships.

For better or worse, the attachment bond profoundly influences the infant brain. It is a baby’s first love relationship. When the primary caretaker can manage personal stress, calm the infant, communicate through emotion, share joy, and forgive easily, the young child’s nervous system becomes “securely attached.” The strong foundation of a secure attachment bond enables the child to be self-confident, trusting, hopeful, and comfortable in the face of conflict. As an adult, he or she will be flexible, creative, hopeful, and optimistic.

People who fail to establish this type of bonding relationship often experience confusing, frightening, or broken emotional communications during their infancy and often grow into adults who have difficulty understanding their own emotions and the feelings of others. This hampers their ability to establish, build and/or maintain attachments leading to successful relationships.

What is Attachment?

Attachment is the relationship between infants and their primary caregivers-is responsible for:
- shaping the success or failure of future intimate relationships
- the ability to maintain a normal emotional balance
- the ability to enjoy being ourselves and to find satisfaction in being with others
- the ability to successfully rebound from various disappointments, discouragement, and misfortune
Many scientific studies of the brain-and the primary role attachment plays in shaping it-has given us a new basis for understanding why vast numbers of people have great difficulty communicating with the most important individuals in their work and love lives. Once, we could only use guesswork to try and determine why important relationships never evolved, or developed chronic problems, or fell apart. Now, thanks to new insights into brain development, we can understand what it takes to help build and nurture productive and meaningful relationships at home and at work.

What is the attachment bond?

The mother-child bond is the primary force in infant development, according to the attachment bond theory pioneered by English psychiatrist John Bowlby and American psychologist Mary Ainsworth. The theory has gained strength through worldwide scientific studies and the use of brain imaging technology.

The attachment bond theory states that the relationship between infants and primary caretakers is responsible for:
- shaping all of our future relationships
- strengthening or damaging our abilities to focus, be conscious of our feelings, and calm ourselves
- the ability to bounce back from misfortune
Scientific research reveals the infant/adult interactions that result in a successful, secure attachment, where both people are aware of the other’s feelings and emotions is the necessary precursor for successful relationships. These studies also reveal troubled, or insecure attachment, in which the communication of feelings fails thus resulting in an inability to form the bind needed to establish a solid relationship. Researchers found that in order to have successful adult relationships there must exist in us and we must depend on the ability to:
- manage stress
- stay “tuned in” with emotions
- use communicative body language
- be playful in a mutually engaging manner
- be readily forgiving, relinquishing grudges
The same research also found that when an insecure attachment exists some type of abuse may have caused it, but it is just as likely to be caused by isolation or loneliness. These recent discoveries offer a new glimpse into successful love relationships. Taking these observations into account often provides the keys to identifying and repairing a love relationship that is strained or falling apart.

Insecure attachment affects adult relationships

Insecurity can be a significant problem in all of our lives, and it usually takes root when an infant’s attachment bond fails to provide the child with sufficient structure, recognition, understanding, safety, and mutual accord. These insecurities may lead us to:
- Tune out and turn off-Most often, if our parent is unavailable and self-absorbed, we may-as children-get lost in our own inner world, we become introverted, avoiding any close, emotional connections. This often causes us as adults to become physically and emotionally distant in relationships.
- Remain insecure-If we have parents who are inconsistent or intrusive, it’s more than likely that we will become unrealistically anxious and fearful, never knowing what to expect. Then as adults, we may become willingly available one moment and totally rejecting the next.
- Become disorganized, aggressive and angry-When our early needs for emotional closeness and comfort is neglected, or when a parent’s erratic behavior is a source of disorienting terror, emotional problems are sure to follow. As we grow into adults, we may lack the ability to love easily and may unknowingly be insensitive to the needs of our partner.
- Develop slowly-Problems often occur when we fail to develop as rapidly as we should, both emotionally and intellectually. Such developmental delays often manifest themselves in the form of deficits and often result in subsequent physical and mental health problems, and generally lead to social and learning disabilities.
Lessons Learned From Our Attachment Bond

There are many powerful, life-altering lessons we learn from our attachment bond-our first love relationship continues to teach us as adults. The gut-level knowledge we gained from this bond then guides us in improving our adult relationships and making them secure.

Lesson No. 1-All adult relationships depend on nonverbal forms of communication for their success. These nonverbal communication skills are learned in infancy. Newborn infants cannot talk, reason or plan; yet they are equipped to make sure their needs are met. Infants don’t know what they need, they feel what they need, and communicate accordingly. When an infant communicates with a caretaker who understands and meets their physical and emotional needs an attachment takes place and the strength of that attachment influences other relationships later in life.

Lesson No. 2-Relationships in which the parties are tuned in to each other’s emotions are called attuned relationships, and attuned relationships teach us that:
- nonverbal cues deeply impact our love relationships
- as we play it helps us smooth over the turbulent times we endure in love relationships
- inevitable conflicts can build trusting relationships if we approach them without fear or a need to punish or retaliate
When we can recognize knee-jerk memories, perceive expectations, inappropriate attitudes, unfounded assumptions and improper behaviors as problems resulting from insecure attachment bonds, we can squelch their influence and their effect on our adult relationships. That recognition allows us to readily reconstruct the healthy nonverbal communication skills that ultimately produce an attuned attachment and successful relationship.

Becoming an Adult and Relationship Orientation

As we grow into adulthood, for the most part we bring with us the ideas and communication lessons we have learned from the time of our infancy. Whether these are good or bad depends on our ability to not only view life from our perspective but also have the ability and the willingness to see things from the other person’s point of view as well. When we are able to do that, then we are in a more astute position to deal with situations and circumstances that are adverse to us.

As we move through the adolescent stage of life we find ourselves at odds not only with others but also with ourselves. We want to be an adult with all of its rights and privileges sooner that we can become one, yet at the same time we want to abdicate the responsibility that goes with that station in life. It is a time of being able to make your own decisions and taking authority over your own life, but you are not there yet. You must learn to maintain control of your impulsiveness and your inhibitions. You must be able to objectionably reevaluate your beliefs, see your parents and authority figures realistically, recognize and pursue your God-given talents and goals, and be willing to take ultimate responsibility for yourself. Finally you must be able to accept and appreciate people who are different.

This ability helps us to be able to accept the good and the bad because we are able to address situations in a mature manner. When we are able to do this, we place ourselves into a position of strength, resulting in a proper evaluation of ourselves. Thus we are able to overcome some of the most persistent problems we face daily because now we are not only able to see things in black and white but also in the various shades of gray. As such, we are able to make allowances for our and other peoples mistakes.

We at that point come to realize that everything in life doesn’t have to go our way in order for us to be happy. We gain a new perspective on ourselves, others and God as a result of our changed thinking. We are then able to deal with each other with mercy, in grace, with the understanding that we too make mistakes. When we move into the realm of tolerance and forgiveness, we are able to love others without them having to be perfect.

Yet, in order to accomplish the task and responsibility of growing up we must also be willing to take responsibility and be accountable for those things of which we have been put in charge. Those things include our attitude, tongue, and actions. As we continue to grow in stature and wisdom the maturity level of our life should also increase proportionately.

Differences Between Men And Women

From my experience in dealing with women, (my mother, aunts, seven sisters and many friends and associates) I find that the majority of women are generally oriented towards their existing friendship networks whereas men were more interested in meeting new people and finding people who had similar interests — in other words, men would rather enjoy the adventure of reaching out to new people rather than cementing their existing relationships.

These results contribute to the growing research on social capital, networking and highlight the importance of examining specific interactive applications. The importance of distinguishing between strong and weak ties plays a major role in establishing new relationships. Also, it is necessary to consider the importance of taking into account gender differences in social interaction patterns. Whereas, women increase their bonding social capital as a result of using these sites but men do not. Women, on the other hand, show a decrease in bonding social capital with those whom they meet outside of their normal sphere of influence.

The fear of incorporating emotional intimacy into these association/relationships is mainly due to a fear of rejection and engulfment – a fear of losing the other and/or losing yourself. To overcome this obstacle you must be able to establish an inner bond with yourself. Inner Bonding is a transformational process for healing the fear of intimacy related ideas that have been carried from past experiences.

The mental visualization of these experiences often cause us to digress into a self-contained state of emotional security that hinders our ability to openly tolerate the inconsistencies we see in others. As a result, we ourselves are moved to a protective state and therefore unable to deal with the negative feelings that we will invariably experience. This barrier can block us from resolving issues that in reality are non-issues.

The Immaturity In Adolescence

Struggles with adolescent identity and depression usually set in when an adolescent experiences a loss. The most important loss in their lives is the changing relationship between the adolescent and their parents. Adolescents may also experience strife in their relationships with friends. This may be due to the activities their friends take part in, such as smoking, which causes adolescents to feel as though participating in such activities themselves is likely essential to maintaining these friendships. Teen depression can be extremely intense at times because of physical and hormonal changes but emotional instability is part of adolescence. Their changing mind, body and relationships often present themselves as stressful and that change, they assume, is something to be feared.

Your experiences in life help you to mature. The maturity is developed when you know you have no one to blame for the past but the circumstances and your immaturity. Oftentimes your immaturity stopped you from having a proper perspective of the facts facts and seeing things as they were. This made you blame others for your sufferings. You may have created and escalated your suffering without realizing the facts and circumstances and taking a easy way out by holding others responsible for it.

You feel you are always on the receiving end of every wrong or perceived wrong due to your immaturity. However, life has a knack of replaying memories and after few years it recreates the same circumstances but this time puts you on the opposite side (giving end), you are left with no choice but to accept the fact that you were so immature then and have grow-up with years. As you mature, life makes you see your ‘old you’ in somebody else now in these replaying of circumstances and you know that the other person still has to wait years ahead to grow and realize these facts.

Maturity slowly leads to wisdom when you know that it is only you who has to stand up and take responsibility for your past – action / inaction, sufferings / failures instead of holding others responsible. It is truly said that you create your own happiness. By blaming others and holding grudges you keep happiness at bay and give way to hatred and self pity. However, with time and wisdom when you accept the responsibility for your sufferings and embrace all your successes without pride -you are truly happy.

Divorce And Its Affects On Maturity

Children of divorced parents often bitterly vow not to repeat the same mistakes. They want to avoid putting themselves and their own children through the pain that comes from the dissolution of a marriage. But, according to University of Utah researcher Nicholas H. Wolfinger, these children’s aspirations face unfavorable odds. “Growing up in a divorced family greatly increases the chances of ending one’s own marriage, a phenomenon called the divorce cycle or the intergenerational transmission of divorce.” Dr. Wolfinger has spent almost a decade studying the marriages of children from divorced homes in America. These children are more likely to marry during their teenage years, cohabitate and marry someone who is also a child of divorced parents. And they are also one-third less likely to marry if they are over age 20.

“Understanding the Divorce Cycle: The Children of Divorce in Their Own Marriages,” by Wolfinger, published by Cambridge University Press, contains important information for those interested in divorce and its repercussions. “Divorce is an important topic because it has so many consequences for well-being,” writes Wolfinger,

“Its transmission between generations adds a whole new dimension by perpetuating the cycle of divorce. The divorce cycle, in short, can be thought of as a cascade. Ending a marriage starts a cycle that threatens to affect increasing numbers of people over time, a sobering thought in an era when half of all new marriages fail.” His research also suggests that if one spouse comes from divorced parents, the couple may be up to twice as likely to divorce. Spouses who are both children of divorced parents are three times more likely to divorce as couples who both hail from intact families.

Besides observing the marital stability of the offspring of divorced couples, Wolfinger’s book provides another perspective on how parental divorce affects offspring marriage timing, mate selection, cohabitating relationships as well as historical trends in the divorce cycle. Wolfinger also explores the divorce reform movement in America and argues in favor of no-fault divorce laws, arguing that a return to an age of tough divorce laws would recreate the social conditions that used to make divorce harder on children.

It is my opinion considering all that has been written on this subject that one reason children from divorced families get divorced more often is because they have a tendency to marry as teenagers. Social history demonstrates that the older you are when you marry, the less likely you are to get divorced. It’s good advice for everyone.”

On the other hand, the more transitions children experience while growing up, the more they will experience as adults. Taking this into consideration, the question that needs to be asked is, “What is the hardest for kids is how many disruptions they experience — the up-and-down cycles.

This is a valid question because many children will have stepparents, and some will see their new families dissolve. This type of disruption occurs any time they lose a parent — except from death. That’s different, and doesn’t have the same negative effects on children… whereas divorce is ambiguous. Children wonder whether the divorce was their fault or who is to blame. And they wonder ‘Is he coming back?’” It is certainly good news that people are less likely to stay in high conflict marriages than they used to. However, “ending a low-conflict marriage may hurt children as much as staying in a high-conflict family,” and the odds of divorce transmission are actually highest if parents dissolve a marriage after little or no conflict. It therefore behooves us to evaluate the effects divorce will have upon our children and their emotional well being should we decide to travel that road.

But before making that decision, we should honestly examine ourselves and the motivating things that are moving us in that direction. This inventory, if prayerfully done will allow us to see the other persons point of view more clearly and thereby make the necessary adjustments, where warranted, to resolve the issues that precipitated situation to begin with. If we are truly willing to continue the relationship, then we must take the necessary steps needed to resolve the issues of what is good or bad by first considering what we could have done to alleviate the problem rather than casting blame. When we allow the power of forgiveness to flow in us we cannot only deal with the past and present, but also the future as bonds are cemented.

Gray, Deborah. Attaching in Adoption: Practical Tools for Today’s Parents. Indiana:Perspectives Press Inc., 2002.

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Source by Franklyn T. Johnson, Ph.D

Views: 0
February 3, 2020
Personal or Team Accountability In Multi-Level Marketing – Which Is More Important?

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Personal and Team Accountability Are Both Keys to MLM Success

You’ve started your own network marketing business. You’ve teamed with a great company who has products you believe in, you’ve made your time commitment, and you start to generate interest in your business. You’re enthusiastic, you sell some product, maybe even add a few people to your downline. It seems you’re putting a lot of effort into your new business. But after a couple of months, you think “why am I getting nowhere fast?”

The vast majority of those who start an MLM business fail – historically as many as 95%. Some lose their investment entirely, some break even, some even make a little money.

There are a number of reasons why.

Many MLM’ers may not succeed because they don’t pay attention to a key component of their business. Accountability.

Webster’s defines “accountability” as “an obligation or willingness to accept responsibility or to account for one’s actions”, “to be accountable or answerable”.

You may think – “It’s my own business, I’m independent, who do I need to be accountable to?” The answer is you.

The Importance of Personal Accountability

Many of us have used day planners, call logs, activity reports, and all manner of reports to track and manage our day, and report to our bosses who we have seen, what we sold and what we accomplished every day or week. Wouldn’t that be a good idea for you and your business?

Daily goals and visualization go a long way to creating a thriving business. What’s really needed is a format to track this information. Some of you may have trackers for your business. Do they incorporate your goals? Do they help you have a clear picture of your business? Are they simple and easy to use? If not, look for one that fits your needs, and use it religiously.

Team Accountability Is Just As Important

Multi-level marketing, along with practically any other business, functions best if the drivers and the followers all know where the team is going. Communication among team members is crucial. Communicating to your downline is just as important – just letting them know you are there to help them in any way possible can be motivating. Remember, if your downline succeeds, you succeed.

Personal and Team Accountability – can they work for you? Absolutely. Be dedicated, work hard and be accountable. Do it, and be amazed at the results!

For more about Accountability, and a free Accountability Tracker, go here.

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Source by Horace Calvert

Views: 0

February 3, 2020
Ann Sieg’s – The Renegade Network Marketer – A Review

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If you’re looking for a novel, convenient, and effective way to do network marketing, The Renegade Network Marketer from Ann Sieg may just be what you’re looking for.

What You Won’t Do with the Renegade Network Marketing System

Once you become a renegade network marketer, you can permanently say goodbye to all the things about network marketing that you hated. This includes but isn’t limited to nagging your family, loved ones, and strangers to take up a business opportunity they truly aren’t interested in as well as performing recruiting activities that never worked in the first place.

With the Renegade Network Marketer from Ann Sieg, all those will simply be a fading memory of the past.

What You Can Learn from the Renegade Network Marketing System

You’re probably thinking that getting hold of this system would cost you money, and you’re right. But what you probably never expected is receiving so much more than what you’ve paid for. Here are just a few things you can expect to enjoy once you’ve got this system running for your network marketing business.

Remote Control Selling

Did you ever imagine it could be possible to use the same amount of time for selling to just one person to sell to a thousand? With the Renegade Network Marketer, remote control selling isn’t a dream but a reality. Even better, not just you but your distributors as well can make use of the system, consequently multiplying your income a hundred fold!

Step by Step Strategy

Didn’t you hate how so many “effective” systems couldn’t manage to effectively teach you even one simple lesson? Well, color the Renegade Network Marketer different. Knowing the difficulties that newcomers to MLM face, Ann Sieg made sure to break down her strategies for network marketing step by step. In fact, it’s so easy to understand that you can immediately pass on what you’ve learned to your downline.

Kill Your Competition

Network marketing is a tough nut to crack and competition can be terribly fierce. But once you become a renegade network marketer, you’ll have in your palm the key to driving your competition away…and you won’t even have to sweat for it!

Successful Lead Generation

Network marketing success always has its roots in profitable lead generation. It is the first and most important technique you should learn, and it’s certainly one of the major focuses of the renegade network marketing system.

A Marketing Pipeline

Just imagine how wonderful your life could be if all your prospects were sold on your idea even before you made a pitch. If you’re wondering how that could happen, you only have to sign up for Ann Sieg’s the Renegade Network Marketer and you’ll not only learn how it happens, but you can experience it, too!

Make Them Believe You

Last but most important of all, Ann Sieg uses the Renegade Network Marketer to share her best kept secret – one that every MLM associate would die to know: make your prospects believe you. Network marketing hasn’t enjoyed a positive reputation for quite some time, but don’t let that get you down. If you play by the renegade’s book, your prospects are sure to have faith in your words.

All those are just the tip of the iceberg of what lies in store for you behind the pages of The Renegade Network Marketer.

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Source by Dave Jales

Views: 1

January 31, 2020
Landmark – The Inside Story of America’s New Health Care Law and What It Means for Us All

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Book Review: Landmark – The inside story of America’s new health care law and what it means for us all

Landmark is a collection of essays written by various reporters, editors and national staff of ‘Washington Post’ followed by the actual text of the bill. It provides a comprehensible summary of the legislation and examines its impacts on Americans on various categories and on health care system as a whole. In addition to this, it gives a very rich historical background and perspective. Such as how the legislation came together, the events and negotiations, the political challenges and obstacles, etc etc

The book has a systematic structure and is divided into three sections. The first section provides behind the scene reporting about the way the law came up. The second section highlights the effects and impacts of the new law whereas the third section is a summary of the legislation.

For a lot of people, the presence of the historical background makes it a worthwhile read as it also covers a lot about the national healthcare coverage. People also find it a worthwhile read because it gives a proper and detailed coverage as compared to the fragmented and sensational media coverage.

Although the bill seems to be corrupted in a few places, the authors still manage to convince you that the law will change the way doctors make business and also mark a change in the patients experiences.

This book will increase your knowledge on the issues related to this bill and your ability to discuss and debate on the issue will also be enhanced. This book provides a very balanced perspective and should be read by all.

Landmark is a well written analysis of the new health care reform bill, all of the contributors clarify specific areas of the bill, recommended.

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Source by Jami Kiya

Views: 0

January 30, 2020
3 Tips On Becoming A Forex Millionaire in 14 Months Starting With Only $100!

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You must be dreaming of becoming a Forex millionaire. Many new traders dream of becoming a Forex millionaire within one to two years but give up after a few months when they lose their hard earned money. The problem is most of them don’t have a trading plan. Well, if you sincerely follow the following trading plan, you can also become a Forex millionaire.

Becoming A Forex Millionaire Tip#1

First educate yourself about Forex trading. Most of the info is freely available online. Choose a Forex trading system that you think suits your personality and style. This Forex trading system should have a 60 days money back guarantee. This way, you can try that system and if it doesn’t work, you can get a refund. The right choice of your trading system is very important. You don’t need to rush. Read about the different Forex systems that are being sold in the market. Make a list of at least 3 best Forex systems. Make sure the Forex systems are easy to trade and don’t take more than 3-4 hours daily to trade.

Becoming A Forex Millionaire Tip#2

Test the best Forex system in your opinion on your demo account for one month. If you find the system difficult to trade, go for a refund. Choose the second Forex system in your list. After testing or two systems, you will find the system that works for you on the demo account and makes 100% return per month. Once, you have mastered the system on your demo account, it is time to trade live.

Becoming A Forex Millionaire Tip#3

Now, we are not going to trade live on a standard account right away. What we will do is deposit $100 into a micro account and trade micro lots with that system. Your aim should be to achieve a return of 100% or more every month. When you trade on a micro lot, 1 pip is equal to 10 cents. So, losing 10 pips means losing $1. However, if you lose 10 pips on a standard lot, you lost $100 plus you need at least $1000-$2000 to trade with a standard lot.

What we will do is try to double that $100 in one month. This means making a return of at least 100% in one month. Losing 100 pips on a micro account means only losing $10. So, you are safe when you trade on a micro account. Test a system on the micro account and if it doesn’t make 100% return per month, get a refund and try the second best system in your list.

Once, you find the system that makes 100% return on your micro account, it will make your $100 into $200 by the end of second month and that $200 into $400 by the end of the third month.

Now you need to switch to a mini account as you want your trading risk to become more realistic. 1 pip on a mini account is equal to $1. With that same trading system now turn that $400 into $800 by the end of the fourth month and that $800 into $1,600 by the end of the fifth month.

Don’t rush. These five months are going to teach you a lot on how the Forex markets change and how your trading system performs when the market conditions change and you will also know whether your broker is good or not, what leverage to use and how to manage the risk. Now, you got $1,600 in your account, you can switch to your standard account and start making 100% return per month or more. Do the maths, you will be a millionaire within the next 6 months.

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Source by Ahmad A Hassam

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January 30, 2020
Effective Working Capital Management and Optimal Synchronization of Cash Flows

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How do firms choose their operating cycle? How do firms choose their cash conversion cycle? What is the impact of firm’s operating cycle on the size and periodicity of investments in receivables and inventories? How do seasonal and cyclical trends affect firm’s operating cycle, cash conversion cycle and investments in current assets? These strategic policy questions relate to optimal cash flows synchronization and effective working capital management designed to maximize the wealth producing capacity of the enterprise.

In this review, we will examine some pertinent and extant academic literature on effective working capital management and provide some operational guidance to small business enterprises. The shorter the cash conversion cycle, the smaller the size of the firm’s investment in inventories and receivables and consequently the less the firm’s financing needs. Although setting ending cash balances is, to a large extent, judgmental, some analytical rules can be applied to assist effective formulation of better judgments and optimize cash flow management.

As you know, a correlate to cash is net working capital. Net working capital is not cash but the difference between current assets (what a firm currently owns) and current liabilities (what a firm currently owes). Current assets and current liabilities are firm’s immediate sources and uses of cash, respectively. Clearly, a firm’s ability to meet its current financial obligations (bills due within a year) depends on its ability to manage its current assets and liabilities, efficiently and effectively.

Effective working capital management requires the formulation of optimal working capital policy and the periodic management of cash flows, inventories, account receivables, accruals and account payables. And because poor working capital management can severely damage a firm’s credit worthiness and limit its access to money and capital markets, every effort must be made to minimize business default risk.

The significance of liquidity cannot be overemphasized. In addition, anything that adversely impacts a firm’s financial flexibility degrades its ability to borrow and cope with unexpected financial hardship. A firm must preserve its ability to react to unexpected expenses and investment opportunities. Financial flexibility derives from a firm’s use of leverage as well as cash holdings.

In practice, optimal working capital management includes effective cash conversion cycle, effective operating cycle, the determination of appropriate level of accruals, inventories, and account payables and the attendant funding options. Working capital policy impacts a firm’s balance sheet, financial ratios (current and quick assets) and possibly credit rating. Critical to efficient firm’s working capital management is a good understanding of its cash conversion cycle, or how long it takes for a firm to convert cash invested in operations into cash received.

The cash conversion cycle captures the time passed from the beginning of the production process to collection of cash from the sale of the finished products. Typically, a firm purchases raw materials and creates products. These products go into inventory and then are sold on account. Once the products are sold often on credit then the firm waits to receive payment, at which point the process begins again. Understanding the cash conversion cycle and the age of account receivables is critical to successful working capital management.

As you know, the cash conversion cycle is divided into three parts: the average payment period, the average collection period and the average age of inventory. The firm’s operating cycle is length of time from the receipt of raw materials to the collection of payment for the products sold on account. The operating cycle is therefore the sum of the inventory conversion period (the average time between when raw materials are received into inventory and product is sold) and the receivables conversion period (the average time between a sale and collection of the receipt). Note that the operations of a merchandising enterprise involves purchasing (the purchase of merchandise), sales (the sales of products to customers, and collection (the receipt of cash from customers).

Some Operational Guidance:

There is gathering empirical evidence suggesting that effective working capital management begins with assessment of operating cycle and optimizing cash flows from firm’s operations. Management must know, understand and anticipate the impact of cash flows on firm’s operations and its ability to maximize the profit producing capacity of the enterprise. Effective cash management is critical to the success of a business enterprise. It is all about cash flows.

One of the best ways to increase cash availability is to accelerate the receipt of incoming payments by reducing the age of account receivables using appropriate mix of incentives and penalties. A firm must evaluate current payment processes and identify effective options to expedite collection of account receivables.

There is strong evidence suggesting improving payment processes and moving to electronic alternatives will maximize liquidity and better manage costs of receivables. Liquidity is critical to the success of every business enterprise and effective cash management is the core of liquidity. In practice, a careful analysis of cash flows and assessment of investment strategies and policies is required to ensure that a firm has appropriate tools needed to maximize firm’s liquidity, and optimize cash flow management.

A firm optimizes cash flow management in its operating cycle by rationalizing-streamlining and improving the ways it manages the inflow of cash receipts, makes outflow cash payments and minimizes the age of account receivables. A firm needs digital records, electronic banking, robust internal controls and agile accounting systems for quick reconciliation of bank statements through timely access to bank accounts, customer records; and synchronizing cash flows, accounts payables, and accounting systems for increased efficiency.

Best industry practices include analyzing cash flows monthly to determine ending cash balance (the difference between total cash inflows and total cash outflows). The goal is a rising or positive periodic ending cash balance; Monitoring customer balances to manage account receivables (money owed to the firm from customers); and appropriate pre-qualifying processes before extending credit to customers is essential to minimizing incidence of bad debts.

A tracking system that monitors outstanding receivables and sends automatic reminders, invoices and statements is a useful tool. Some firms use factors by selling their receivables to factoring companies to ensure steady cash flows; Slowing down cash disbursements: Prudent cash flow management dictates that a firm retains cash as long as possible. Optimize cash flow management by paying on time while utilizing all accommodations consistent with the calculus of financial advantage. Finally, borrow long and lend short and time large expenses by setting aside small amounts to fund large expected expenditures. Always remember that long term liabilities become current liabilities in the accounting period in which they mature.

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Source by James Gaius Ibe

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January 29, 2020
Advantages And Disadvantages Of Living In Apartments And Villas

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Today, villas are becoming very popular. As opposed to the space you get to enjoy in a villa, residing at an apartment can be very restrictive, most especially when you have kids. Property experts emphasized though that living in both have their own pros and cons. By being aware of these pieces of information, you can decide if buying a villa instead of staying at an apartment in a hotel is a smart decision or not.

Living In An Apartment

Certainly, security is better if you choose to live in an apartment. A non-resident individual can’t just enter in an apartment building. Neighbors will also be very close to know it something bad is going on and can quickly call the police. When it comes to water, gas, and electricity, life will be a lot easier. These things will be provided by the building. Maintenance will also be stress-free due to the fact that the real estate owner is responsible for the building’s upkeep. In case there will be a park where your family and friends can spend quality time in, it is likewise the building owner’s responsibility to keep it clean and damage-free. Most importantly, you will get access to important facilities.

On the other hand, maintenance costs can be very expensive – this will depend on which building you bought the apartment in. Since you have nearby neighbors, your conversations may possibly be heard. But you can always make your apartment soundproof. You may also have a limited space. Moreover, expansion is not possible because if you purchase an apartment, the area you have invested in is fixed. Of course, you can’t just break down a wall if you want to make your area more spacious.

Buying A Villa

If you choose to buy a villa, you will get to enjoy freedom. You will not feel like you are a prisoner inside. This further means that your movement won’t be limited. In fact, you can expand if you really want to and decorate your room with whatever design you prefer. Moreover, you can have a garden in your yard. A garden will make your property more beautiful. If not, you can choose to install a swimming pool in your yard if it does not have one yet. Lastly, a villa will certainly make you appreciate what a real home feels like.

On the contrary, security is not tight if you live in a villa, most especially when you are away. Apart from that, you will also need to pay for facilities, and manage gas, electricity, and water by yourself. Most importantly, the location might be a bit hassle to you if you are working within the city.

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Source by Brian E Bell

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January 27, 2020
Success With Emotional Intelligence

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Emotional intelligence is the ability to recognize, understand, and manage your own emotions and the emotions of other people in positive ways. Today we can clearly see that being only “book smart” and having a high intelligence quotient or IQ does not guarantee a successful, happy and fulfilled life. There are many people in all parts of the world who are very brilliant academically but are inept at dealing with people and successful at work or in their personal relationships. Academic intelligence is not enough on its own to be successful in life. IQ can help you get a job and earn a living, but it does not show you how to live a life. When it comes to happiness and success in life, emotional intelligence helps you build stronger relationships, succeed at work, and achieve your career and personal goals.

Emotionally intelligent people are able to recognize their own emotional state and the emotional states of others and as a result they connect more easily with people. They therefore communicate better, form stronger relationships, achieve greater success at work, and lead a more fulfilling life. John Gottman was right when he said “In the last decade or so, science has discovered a tremendous amount about the role emotions play in our lives. Researchers have found that even more than IQ, your emotional awareness and abilities to handle feelings will determine your success and happiness in all walks of life, including family relationships.”

Emotional Intelligence consists of five basic components namely self-awareness, self-regulation, motivation, empathy and social skills. The first three competencies are intra-personal and concern your ability to know and manage yourself. Empathy and social skills are inter-personal competencies and concern your ability to interact and get along with others. The better your intra-personal skills, the easier it becomes to express your inter-personal skills. Mastering these skills will allow you to live a better, happier and more successful and fulfilled life.

Self-awareness is the first component of emotional intelligence. It is the ability to know which emotions you are feeling and why. When you understand your emotions, it is easier for you to acknowledge and control your emotions and prevent your feelings from ruling you. You also become more confident as you do not let your emotions get out of control. Being self-aware also enables you to take an honest look at yourself and better know your strengths and weaknesses, and work on these areas to achieve better outcomes for yourself and others.

Self-Regulation is the ability to control your emotions and impulses and choose the emotions that you want to experience instead of being the victim of whatever emotions arise. When you are able to manage your emotional state, it becomes easier for you to think before you act and this prevents you from making impulsive and careless decisions. This skill also allows you to transform negative exhausting emotions into more positive and productive ones

The third component of emotional intelligence is motivation. This is about using your emotions to remain positive, optimistic and persistent rather than negative and pessimistic. When you have a high degree of emotional intelligence you tend to be very motivated, productive and efficient in everything they do. You also use your emotions positively to take the right actions to persist and achieve your goals even in the face of considerable adversity or difficulty.

Empathy is the fourth element of emotional intelligence. It is the ability to truly recognize and understand the feelings and point of view of people around you. Empathetic people usually possess the ability to listen effectively and accurately to others and are normally excellent at managing relationships, improving communication, building trust and relating to others.

The fifth component of emotional intelligence is social skills. Emotionally intelligent people have good social skills and are excellent at building and maintaining relationships. When you are highly emotionally intelligent, you no longer focus on your own success first and you always have other’s best interests in mind. You always promote an environment where people cooperate with each other instead of compete with one another and you always help others develop and grow.

Today emotional intelligence is a key to success in life and the good news is that whatever your actual level of emotional intelligence, you can improve it The best way to develop your emotional skills is through practice. You can then become more efficient at recognizing and managing your emotions as well as the emotions of others and lead a happier, more successful and fulfilled life. Always remember the wise words of Daniel Goleman who said, “What really matters for success, character, happiness and life long achievements is a definite set of emotional skills – your EQ – not just purely cognitive abilities that are measured by conventional IQ tests.”

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Source by Priya Deelchand

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January 25, 2020