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Cash Flow Statement Manipulation

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Unlike in the accrual accounting world, cash flow is an efficient way for investors to measure a company’s financial health and operational strength. The whole idea of recognizing revenues when realized or realizable can be tricky when an investor has to make a financial decision regarding a certain company. Whereas, having a good understanding of where the money is coming from and how it is being used is much more helpful for an investor. However, calculating and analyzing cash flow isn’t as easy as finding the difference between what money came in and what money went out in a company’s cash register. The difficulty arises from the tricks that companies use to manipulate their cash flow statement. Companies often try to promote the good and hide the bad in their financial reports, which is why the cash-flow statement has seen some manipulation over the years. The following explains how this is done.

When looking at a cash flow statement, there are three sections that the statement is divided into: operating, investing and financing. The most important section to an investor would be the operating section because this is where one can find the money a company is generating from its operations. Investors want to see more cash generated from a company’s operations rather than from borrowing or equity transactions.

Unfortunately, it is not always clear where a company is generating its cash from. One way company’s skew their operating section is through the misclassification of inventory purchases. The costs of purchasing inventory that eventually will be sold to customers, should be classified as an item in the operating section of the cash flow statement. However, some companies disagree and feel that purchasing of inventory is an investing outflow, which would increase operating cash flows. One should question this method of accounting because large investing outflows shouldn’t occur as part of a company’s normal cost of operations.

In addition to misclassifying inventory purchases many companies capitalize some expenses which increases a company’s bottom line. When a company capitalizes costs, they write off the cost of an asset gradually, in installments, instead of taking all the costs at once. This allows companies to record the cash going out as an investing activity, because the cash going out is considered an investment, rather than a deduction from net income or the operating section. As a result, the companies cash flow from operations will remain the same and look much better than it really is.

Next, companies give their operating cash a boost by selling their accounts receivables. This speeds up a company’s cash collections, but it also forces the company to accept fewer dollars than if the company had waited for customers to pay. This action can have a negative impact on a company’s operating section. The decline in accounts receivable means more cash has come in through the sale of receivables, but this would give investors the wrong message. By accelerating collections a company isn’t improving operations, they are just finding another way to boost the operating section of the statement.

Another cash flow statement manipulation is through the account payables. Sometimes there is a substantial increase in the accounts payable line item which would mean payments are not being made to suppliers. If these payables are left open for a long period of time, then a company receives free financing, which increases the operating section inaccurately.

All of these examples are ways that companies can easily manipulate their operating section. These examples give companies an opportunity to show that they have more money at their disposal for operating expense than they actually do. For instance, in 2000 Enron reported it had over $4 billion cash flow from operations, which in reality was overstated by $1.5 billion.

This manipulation caused Enron’s stock value to increase, which in turn led to Enron’s collapse. Another example in 2002, Tyco International delayed paying its executives their first quarter bonuses to increase the company’s operating cash flow for the quarter. This move caused the company’s operating cash flow to wrongly increase by $200 million.

The above examples show how easy it is for the cash flow statement to be manipulated.This goes to show that investors should be careful when looking at this particular financial statement. An investor should be consciences of any manipulation that can cause dishonest financial information. In conclusion, the cash flow statement is the most useful financial statement to an investor, but just as cash easily switches hands, the cash flow statement can just as easily be manipulated.

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Source by Ryan M Henzes

Views: 0

December 30, 2019
The Best Final Expense Sales Presentation Ever

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Arriving At The Prospects Home

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

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

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

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

Making Appointments

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

Script for Setting Appointments Yourself

Here is an appointment script you can use:

Good Afternoon ____________, This is ____________

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

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

The address I have here is ___________________.

Is that correct?

Okay… Great!

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

Awesome, awesome…

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

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

chit chat…

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

which is best for you?

Great…

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

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

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

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

Have a great day.

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

Presentation

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

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

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

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

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

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

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

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

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

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

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

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

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

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Source by Jody Haworth

Views: 0

December 30, 2019
What Can I Say To Make My Husband Understand The Pain That His Cheating Has Caused?

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It’s very common from me to hear from wives who are struggling to explain to their husbands just how much his cheating or affair hurt them and caused them pain. But often, their husband doesn’t react in the way that they were hoping for and they are looking for a way to explain their feelings so that he actually understands them.

I recently heard from a wife who said, in part: “I have repeatedly tried to explain to my husband the depth of and reasons for my pain after his infidelity, but he either doesn’t want to hear it or he’s not understanding what I’m saying. Sometimes, I pour my heart out to him and try to explain how he has hurt me and all I get is blank stare back or empty assurances that he really is trying. This is so frustrating to me because I need him to understand the extent of my pain so that I can have some reassurance that he’ll never cheat again. I want him to understand why I sometimes act in the way that I do because of what a grave mistake he has made. But part of me thinks that he’s unwilling or just incapable of hearing me. How can I explain my pain in a way that he’ll actually understand and be willing to listen?” I’ll address these concerns in the following article.

Pick The Right Time And Know That, Once You Start Repeating Yourself, Your Words Lose Their Effectiveness: I hear from both wives who are faithful and husbands who are not on my blog and I can tell you that if you are constantly talking about your hurt and pain, eventually, even the most sincere husband will begin to tune you out. One reason for this is that no one wants to constantly be reminded of the pain that they have caused. And husbands will often want to place their focus on moving on while the wife wants to place her focus on understanding and digging a little deeper.

This doesn’t necessarily mean that the husband doesn’t care about your pain or just doesn’t want to hear it. But, at least sometimes, he hears your words as accusations. He might constantly hear that his selfishness and weakness has hurt you deeply and this just isn’t a message that he wants to hear on a continual basis, day after day. Men will often give comments like “she constantly wants to tell me how much the infidelity has hurt her. I do believe and understand that and I’m sorry for it. But, do I really need or have to listen to what an awful person I am every single day? How many times does she need to explain where I went wrong or how awful I am before she will feel satisfied that she’s said it enough? I tell her I’m deeply sorry. I listen. But it doesn’t seem to be enough and we repeat this process constantly.”

I’m not telling you this to imply that you can’t regularly discuss and try to work through the infidelity. I’m telling you this because I want you to understand the obstacles that are in your way and the dynamics that are at play here. If you really want your husband to listen and to take your words to heart, then sometimes you have to pick the right time and limit the message so that it has the maximum impact.

Consider What Your Husband Is Actually Going To Hear Before You Say The Words: I alluded to this in the previous paragraph, but sometimes the message that your husband hears has more to do with your tone and your delivery than the words that you say. So you might say something like “your infidelity has hurt me deeply. It’s made me doubt your integrity and your love and commitment to me. It’s affected my self esteem and my level of trust. And I’m not sure when things are going to get any better.”

But what he hears is often something more in line with: “your poor decision to cheat on me has ruined my life and will probably ruin our marriage. You are an awful, selfish person with very little impulse control. And your actions have caused me so much pain that I might not ever fully recover. Because of this, I am going to feel pain and resentment every time I look at you or even think of you. And, this is going to be our lot in life from this day on because I don’t anticipate any changes.”

These examples might seem a little extreme, but they aren’t that far off from the comments that I hear. An unfaithful husband can hear a message that you never intended. And because of this, he is often somewhat resistant to that message. Of course, the wife will often take this to mean he isn’t listening or he just doesn’t care and so she will continue to repeat herself with more feeling. And of course, this just keeps the cycle going. She doesn’t feel heard and he feels beaten down and neither person is getting what they want or need.

If you think about it, what you probably really want is to feel heard. You want for him to know, understand, (and even feel) your pain because if he does, he’s less likely to cheat again and more likely to show the remorse that so many of us really want and need. So, think about what’s most likely to accomplish this.

You don’t want to come across as too accusatory or too despondent because unfortunately, these things will contribute to him feeling defensive and to tuning you out. Instead, you want to use “I” phrases so that it sounds as if you’re talking responsibility for your own feelings and you’re not just trying to lay on the blame or make him feel continuously guilty for the rest of his life. And, you want to choose the time when your message is most likely to be heard. You don’t want to try to explain yourself in the middle of a fight or when you’re main goal is to hurt him. I’ve found that the message is often more likely to be heard if you say it when things are going a little more positively and both people are calm.

An Example Of What To Say To Express The Pain His Cheating Has Caused: An example would be something like: “if this is a good time, I’d like to briefly explain how much your infidelity has hurt me. I’m not doing this to punish you or to paint you as a horrible person. I love you and don’t think you’re an awful person, but I need to feel as though you care enough to hear me. And I need to know that you truly understand so that you will hesitate to cheat again. Having someone who you love more than anything betray you in this way is something that is more devastating and hurtful than I could have ever imagined. It calls into doubt things about your marriage and yourself that are just devastating. Can you even begin to put yourself in my shoes and imagine that the rolls were reversed? Because I need to know that you understand how much pain I’m in so that we can begin to move forward once and for all. I don’t intend to keep bringing this up, but before I move on, I need to know that you truly understand.”

Phrasing like this is much more likely to get the response and the understanding that you are after. But you can only play this card so often before your husband begins to tune you out. So once you’ve laid your cards on the table, it’s best to begin to move forward so that your husband can see that you’re sincere about not using your words to continuously punish him.

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Source by Katie Lersch

Views: 0

December 30, 2019
3 Solid Techniques for NQ Trade Entries

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The Nasdaq futures contract (NQ) generally trades like most of the other equity indexes though it has a few twists and turns that set it apart from the crowd. For anyone who has traded seriously, it is those “twists and turns” that can spell trouble for the uninitiated when trading the NQ. The purpose of this article is to alert traders to some of the idiosyncrasies that are part of trading the NQ and how to adjust your trading to take advantage of the attractive parts of the contract and avoid some of the less-than-pleasant outcomes this instrument can cause.

There are times when this contract is very easy to trade, especially when it is trending. Of course, you might say all contracts are easy to trade when trending but the NQ (because of volatility) presents some unique challenges and can be profitable if you trade the contract correctly. The challenge in trading the NQ is to understand and profit from the volatile nature of the contract. This can be a double edge sword and the downside of volatility is the tendency of price action to move against your position at a high rate of speed.

In a normal “bracketed” market you can let the trade run against you some, depending on the size of your trading account, but sooner or later (it may be days, weeks, even months) the price action will break out and the trade you let run will become your worst nightmare. The best general approach is to trade this contract conservatively and with the trend.

Countertrend trading is the formula for blown trading accounts on the NQ. You should repeat this mantra 25 times before going to bed each night. “I will not trade against the trend, I will not trade against the trend… “

Here are the techniques that have been successful for me in trading the Nasdaq:

· Reversion to the Mean: Like most contracts, the Nasdaq is a great contract to trade using a technique called “Reversion to the Mean.” This strategy, in general, discourages traders from taking those awful breakout and breakdown trades that are, so often, the cause of many losses. I generally wait until the price action is between 2 and 3 standard deviations against a backtested SMA and find this trade phenomenally successful. I have added a few game-changing rules to quantify the trade more precisely and upped the win rate another 15%. I urge you to investigate this less-than-popular style of trading and see how truly successful it can be.

· Pay specialized attention to support and resistance (SAR): As I mentioned at the onset, the NQ is a very active contract and making any preliminary assumptions about whether or not the price is going to move through SAR is a mistake. A better idea would be to use an order flow program so that you can see the actual order flow at SAR. Are traders hitting the buy side, the sell side, or are the orders placed that represent traders are on both the bid and ask.

· Volume Analysis: By now, most traders realize that increased volume at SAR generally results in a market pullback off SAR. The corollary is true also, low volume approaches to SAR may indicate that price is going to continue through support/resistance. I strongly recommend using a “Better Volume” indicator to indicate, in real time, the nature of each bar. Obviously, high volume at SAR often indicates that a change of direction could be in the cards and low volume signals a possible continuation of a move. The question has always been, “How high should the volume be to indicate a reverse in direction?” Obviously, high volume at SAR often indicates that a change of direction could be in the cards and low volume signals a possible continuation of a move. The question has always been, “How high should the volume be to indicate a reverse in direction?”

Is there a method for finding the “perfect” NQ entry point? No, not so much. But, you can get good enough to read between the lines and consistently score winners. Best of luck in your trading.

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Source by David S. Adams

Views: 0

December 29, 2019
Holistic Healing for Digestive Disorders
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The digestive system is very crucial. It assists the body to absorb required nutrients and eliminate waste products. Any problems affecting it can lead to a lot of discomforts. The National Institute of Diabetes and Digestive and Kidney Diseases estimates that the number of Americans affected by digestive disorders to be 60 to 70 million. Luckily, there are natural, holistic healing remedies that can eliminate these diseases. Digestive disorders include the following.

Heartburn (acid reflux) is a symptom of Gastroesophageal reflux disease (GERD). It occurs when contents from the stomach move back into the esophagus causing irritation.

Gas is simply the air inside your digestive tract. It enters the gut when you swallow it and when undigested foods in your large intestine are broken down by bacteria to release it. Its symptoms include passing gas, burping, stomach pain and bloating.
- Gastroesophageal reflux disease (GERD) occurs when the contents of your stomach return into the esophagus leading to heartburn. GERD is caused by unexpected relaxation of the lower esophageal sphincter.
- Diarrhea is characterized by loose, watery stools. It leads to malabsorption and dehydration. Diarrhea can be caused by food allergies and intolerances, infections, problems in the digestive tract and medicine side effects.
- Inflammatory bowel disease (IBD) is a term used to describe two disorders that lead to inflammation of the gastrointestinal tract. They are ulcerative colitis and Crohn’s disease. They both cause abdominal pain, severe diarrhea, stomach cramps, weight loss, and fatigue.
- Constipation is characterized by fewer than normal bowel movements (less than three a week) or dry, hard and difficult bowel movements that are painful to pass. Other symptoms of constipation may include bloating and stomach pain.
- Irritable bowel syndrome (IBS) is a condition that occurs in the large intestine (colon). It leads to bloating, abdominal pain, diarrhea, gas, and constipation. It is still not clear what causes IBS.
Nutritional Response testing is the perfect holistic healing remedy to deal with digestive disorders. This form of treatment is pegged on the concept that the body knows and is able to correct its problems. The technique first analyzes the body to identify the root cause of the disorders after which nutritional support and lifestyle changes are recommended to help the body heal itself. Unlike traditional forms of treatment, it does not attempt to mask the symptoms. Instead, it tackles the underlying cause of the problem.

Holistic Healing

The first instinct when we experience pain and physical discomfort is to visit a medical professional to address the disease. This is not wrong, and it’s sometimes the best way to deal with the situation. However, physical pain is usually a manifestation of an underlying greater imbalance. Holistic healing appreciates this fact. Instead of dealing with the physical aspect only, it addresses the mental, emotional and spiritual aspects, too. It is not a quick fix. It is a journey to a more balanced lifestyle.

The body contains different types of chemicals including neurotransmitters, enzymes, and hormones. Chemical imbalances can lead to many disorders in the body. Some diets can inhibit or stimulate hormone production and neurotransmitters thus leading to chemical imbalances. What appears to work for one individual might not work for another. That is why Nutritional Response Testing is perfect for identifying chemical imbalances. It can be customized to fit each individual’s needs.

Are you struggling with any disorders? Are you looking for a safe, less invasive and effective treatment to deal with your condition? Nutritional Response testing is one of the best holistic healing remedies. You don’t have to suffer any longer.

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Source by Dr. Louis Granirer

Views: 0
December 28, 2019
How to Deal With the Dilemmas of Gay Dating

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Unhappy relationships, fights and breakups can mess up your mind and discourage you from dating again. But, one bad relationship doesn’t mean that you are not going to date anyone ever again. Look around, there are men out there who are just like you, and they’ve had breakups and broken hearts too. The moment you find the one who is truly in love with you, it will make you forget all those failed attempts.

And when you do find a perfect match, many of you might have dilemmas that can break your burgeoning relationship. For this reason, you need to know what those gay dating dilemmas can be and what you can do to avoid them.

‘Let go’ of the past

Every gay man has stories about ‘coming out’, childhood, parents, fear and broken hearts. But don’t let things that happened in the past affect your present or future. It was a thing of the past, so use it as knowledge & wisdom. Give a fresh and healthy start to your new relationship.

Expensive dates when you are in different income brackets

The difference in income can become a major cause of breakups. You have a higher income and want to plan expensive dates, and you’re ready to make all the payments. But this can sometimes offend the other person and you don’t even realize. So, you need to keep the other person’s feelings in mind and plan accordingly.

Be a fearless gay dating guy

First of all, you need to be yourself, one who is not afraid of dating. Even if you try to show that you are a fearless gay dating guy, if he feels that you are afraid, it means you probably really are. So, get things clear in your mind before you start dating as breaking someone’s heart isn’t good for either of you.

Express your feelings

Don’t hide your feelings from the person you love. Express your feelings but if you think you still need to wait for the right time, then do! Sometimes though, there is no right time to express your love, every moment is right, so just open up and don’t leave it too late. Today, a number of online sites offer gay dating tips, so take their help.

Stop comparing

You are special, unique, and nobody can compete with you. Stop comparing yourself with your boyfriend’s ex or anyone else as it will lead you nowhere and will just ruin your relationship.

Communication is key

Yes, when dating someone, you need to have adequate communication with each other. Whether you prefer to communicate via text, or calls, or in person, make sure that you have healthy conversations with each other. Also, if your mate prefers to talk over a call while you want to communicate via texts, there’s no harm picking up his call, rather than creating unwanted turmoil in a relationship.

Be honest & open up in a genuine way

Don’t just presume you’ll be able to be intimate with a new person on your very first date. Take your time, understand each other and then discuss if you can move further in your relationship. Only if the other person is comfortable, go ahead and make love.

Today’s technologically advanced world helps you find a perfect match sitting at home. A number of online gay dating sites will help you search for a compatible match the easy way. Moreover, these sites sometimes also provide gay dating tips so that you can have a healthy and happy relationship.

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Source by Sarah Scott

Views: 0

December 28, 2019
Relationship Anxiety – Why Doesn’t My Boyfriend Want to Marry Me?

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

Think About His Reasons for Not Wanting to Marry

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

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

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

Devote Your Energy to Helping Him Overcome His Resistance

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

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

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

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

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

Be Realistic About the Future of Your Relationship

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

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

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

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Source by Gillian Reynolds

Views: 0

December 28, 2019
How Our Lifestyle Choices Are Causing Us to Sink Into Chronic Illness

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Current science continues to demonstrate that the reason we move away from health and develop chronic illness is due to our environment rather than our genes. Less than 1% of chronic illness is truly genetic in nature. Essentially, this means that chronic illness is preventable.

Yet over half of the American population has been diagnosed with a chronic illness and nearly 80% of all health care spending (doctors’ visits, prescriptions, hospitalizations, etc.) is a result of these conditions of lifestyle.

This number is expected to rise astronomically over the next few years. In fact, many say this single problem will bankrupt our nation. Interesting. It’s particularly interesting since science tells us this is completely preventable!

What are chronic illnesses? The list includes conditions such as cancer, heart disease, diabetes, obesity, depression, infertility, autoimmune issues and disorders, Alzheimer’s, dementia, chronic fatigue, chronic pain, acid reflux, constipation, insomnia, decreased sex drive, and so on.

With a list this expansive, it’s hard to imagine how we could possibly prevent these conditions from developing in the first place. They seem so unrelated. In order to understand our role in preventing chronic illness, first we must have a simple understanding of how chronic illness develops as a result of our environment.

To explain how our lifestyle and environment relates to chronic illness, I’d like to share with you a visual that Dr. James Chestnut, B.Ed., M.Sc.,D.C.,C.C.W.P. of The Wellness Practice in Victoria, B.C. teaches. Imagine that when your life begins you are born into a pool of water. You have two items on you: inflatable water wings and an empty backpack.

Your water wings have been inflated for you, but they have a very slow leak. The air in them is expected to last 120 years (the “healthy” human lifespan). As the air leaks out of them, you have less time left. It’s called getting older! If there’s no interference to these water wings, they’ll last you all 120 years.

Each time you make a lifestyle choice that is incongruent with your innate genetic requirements for health, you add a “rock” to your backpack. Our blueprint for health and optimal function requires purity and sufficiency in the way we eat, move and think. This means, giving our bodies exactly what’s required for optimal health (purity) and providing enough of it (sufficiency).

No where in our blueprint for optimal function do we find toxic and deficient choices of lifestyle. Toxicity and deficiency are incongruent with homeostatic cell function. Therefore, it’s these toxic and deficient choices that become the rocks in your backpack.

These rocks (stressors) can come from any area of lifestyle: poor nutritional choices, sedentary living, being overweight, being chronically stressed out, having unhealthy relationships, taking toxic drugs, not feeling loved or appreciated, excessive negative stimuli, having poor posture, smoking or exposure to smoke, not enough time outside, and so on.

So many of our toxic and deficient lifestyle choices are the direct result of an industrialized, “advanced” society. It’s hard to argue that we’re “advanced” in the area of health and wellness when we’re experiencing drastic increases in chronic illness in all age groups, despite our “advanced” efforts to treat these conditions.

The rocks slowly sink us. They have a cumulative effect on our health over the years. At first, we may not notice. Eventually, we may realize that our day to day life has become more stressful and more of a struggle. Often, we’re not even sure how or when this happened.

There isn’t a drug on the planet that can remove the rocks for you! That’s why treating the symptoms, or the effects of these rocks, is unsuccessful in terms of fixing the real problem. The drugs, in fact, can become yet another toxic rock. (Just listen to the side effects on any drug commercial!) Removing body parts doesn’t fare much better in solving the problem. We’re not sinking because of a lack of drugs or too many body parts! The body isn’t ‘stupid’. It’s displaying a perfectly normal physiological adaptation to an environmental stressor.

The rocks have another effect on your overall health picture. As more rocks are added to your backpack and you sink increasingly lower, the pressure on your water wings is increased, forcing the air to escape at a faster rate. You lose your years of life faster than originally intended… you age faster.

It’s these incongruent lifestyle choices, or stressors, that are the catalyst for chronic illness. These toxic and deficient choices result in what’s known as our allostatic load. A chronic allostatic load, as a result of months and years of incongruent lifestyle choices, changes our genetic expression, our cellular function, our physiology, our biology, our entire internal environment, and ultimately our expression of health. This is how chronic illness develops.

It becomes self-evident that the way to restore health is to remove rocks from your backpack, thus reducing pressure on your water wings!

Ultimately, this means reducing our toxic and deficient choices while increasing pure and sufficient choices. This changes our environment and changes the expression of our genetics. This is the science of Epigenetics – how our environment determines the expression of our genetic code.

Thankfully, science has shown us the blueprint. We do know what choices move us toward health. We can fix the problem. Adopting a lifestyle similar to our earlier (and healthier) ancestors is the most successful way to meet our innate genetic requirements for health and wellness while preventing chronic illness.

Note: Once again, the concepts in this article are attributed to Dr. James Chestnut, B.Ed, M.Sc, D.C., C.C.W.P.

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Source by Colleen Trombley-VanHoogstraat

Views: 0

December 27, 2019
7 Step Sales Process of High Income Auto and RV Sales Professionals

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High income car and RV salespeople follow a 7 step sales process.

They follow the sales process on each and every contact. No exceptions.

There is no deviation. No skipping steps. It just doesn’t happen.

Automobile Sales an Art AND a Skill

Rembrandt was considered one of the greatest painters in European history. Do you know who Pieter Lastman or Jacob van Swanenburgh were? Rembrandt apprenticed under each of them.

What does that have to do with car and RV sales people? Nothing. And everything.

Everything, that is, if you want to be a top income earner.

To be a Rembrandt you need coaching. You need sales training. You need practice to develop your style, your talent, your selling techniques.

The art is the finesse.

For prospective buyers, it is bringing to reality what works for them without manipulation, without shady tactics or tricks.

Professional selling technique is the ability to listen intently, ask relevant value adding questions, and package it all in a vehicle that meets the prospect’s needs and budget.

7 Step Automobile and RV Sales Process – Work It!

Walk into McDonald’s anywhere in the world and you will find the same friendly smiles, although the faces may be different. You will see a similar menu, although reading it may be difficult. You will find the same production process.

The recipe, like a sales process, works.

It works for McDonald’s. It works for Wendy’s. It works for Tim Hortons. It works for the Colonel along with a whole regiment of other franchises. And the 7 Step Sales Process of top automobile and RV sales income earners will work for you.

Exceptions Yes Life Happens

Will there be exceptions? You bet.

Even in the most well oiled system, glitches surface from time-to-time. There is occasional franchisee – franchisor incompatibility. There are occasional let downs in traffic expectations compared to market analysis. There are occasional language challenges.

Reality is, in all things, there will be occasional surprises.

So what. Move on.

Like the franchise system, the following 7 Step Automobile and RV Sales Process works.

And, yes, there will be exceptions. There will be the cash buyer who insists on a large discount. There will be the prospect whom you just cannot settle on a vehicle. There will be… There will be… There will be…

There will be exceptions, the occasional incompatibility for whatever reason. Move on. The sales model works consistently, with an occasional exception.

7 Step Sales Model

The 7 Step Sales Model of high income automobile salespeople and RV sales people is:

1. Introduction

2. Qualification

3. Selection / Presentation

4. Demonstration

5. Negotiation

6. Application

7. Preparation / Delivery

That’s it.

To close more deals, follow these steps each and every opportunity. No exceptions.

By the way, career automobile salespeople and RV sales professionals have an 8th step – Progression, moving the new Customer to a walking, talking referral machine.

Wanna be car sales guys and gals just cannot seem to grasp this.

Write me for more detail about Progression. It is where the big dollars are!

Remember: Nothing happens until someone sells something.

Sales Champions – People Like You – Make It Happen!

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Source by Jeffrey Doucet

Views: 0

December 26, 2019
Divorce Tips: How To Heal From A Divorce In One Therapy Session

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Healing from a divorce does take time and people going through this process are apt to experience a range of emotions including sadness, guilt, anger, resentment, anxiety, frustration and depression.

The good news is that therapy can expedite the healing process and help people to view the end of their marriage in a more positive manner.

Some years ago, I developed a visualization technique based on Ericksonian Psychotherapy and Hypnosis and which seems to help many divorcing individuals to heal from their loss and to restore their overall well-being.

A description of this technique appears below.

Close your eyes and take a few deep breaths as you listen to my voice.

Each time you breath in through your nose and out through your mouth. And every time you inhale you take in relaxation, peace and healing. And each time you exhale you let go of or diminish any pain, sadness or any negative or uncomfortable thought or unpleasant emotion.

So, your breath becomes a powerful healing tool. You can use your breath to adjust your mood whenever you need to do so.

And as you use your breathing to heal yourself, you may also discover that your mind can go back in time if you want it to do so.

And as you go back in time…

Do you remember when you were a little boy or a little girl?

You may remember what you looked like back then or you may have seen photos videos of yourself from your childhood.

You may also recall what the house you grew up in looked like.

Now, when you were a child, you probably fell down while running or while riding your bicycle. And most likely, you bruised your knee or your elbow. And your arm or your leg probably bled what felt like a lot back then.

Then your mom, dad or a neighbor came along and gave you a hug and comforted you.

They washed out the wound and applied an antiseptic to the injury. This probably that stung a bit. When it was placed on your wound, you may have felt like you were going to have to feel a little worse before you could feel a little better.

And then your caretaker applied a band aid or some gauze and tape that was just the right size to cover and protect your wound.

This helped you to feel less pain, a bit safer and a bit more secure.

The wound may have felt worse for the next day and for even a few more days or weeks.

You probably had to change the band aid every day or so. And you may have to wash the injured spot frequently.

But in time, the wound began to heal, even though you may have scratched it at times, like most kids do.

And after the passage of a little some more time, a scab formed, all the bleeding stopped and the old skin was replaced with news softer but tougher new skin.

After a little more time, the pain subsided almost completely. Though, you still had some good days and bad days with your wound.

Now, the pain from some wounds may not ever go away one hundred per cent.

Many of us have physical aches and pains that stay with us, but we push on in spite of them.

But, luckily, sometimes healing eighty or ninety percent is sufficient for us to carry on to feel generally okay.

As you can see, the mind heals from emotional losses and wounds in much the same way that it heals from physical injuries.

So, if you or someone you love is struggling with a loss, think about the process of healing described in the metaphor.

Perhaps it will to help to lessen your pain, allow you to heal and to move forward with your life with a more positive spirit.

Give it a try. Interestingly, this same technique has been used by people who are dealing with the death of a loved one.

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Source by Jay P. Granat, Ph.D.

Views: 0

December 25, 2019