Tag: Pocket

  • Can I Heal Myself?

    Can I Heal Myself?

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    At the heart of most energy healing modalities is the concept of healing ourselves. Is this what we were built to do, but what our encoding or life experiences would have us forget? Why is it that we can embrace the idea of going to another source for healing; be it with the use of pharmaceuticals or seeing a healthcare provider like a Medical Doctor, Chiropractor, or someone in alternative medicine such as an energy healers, massage therapist, herbalist, nutritionist and so on, yet grasping the idea that the ability to heal has always been within, seems to be a hard concept for our human logical mind to embrace.

    We have all been taught (trained) to call the doctor, our mother, our pastor, our therapist or our rabbi when we are sick in mind, body or spirit. But we seem to forget to call on our inner knowing or what I call our inner healer.

    Recently I had a very bad virus, the kind that lingers for days. While I was awake one night in a full blown war with my body, I began to think about self-healing. What came to me in my feverish/delusional state was that I have been looking at this whole self-healing thing from the wrong perspective. Kind of like from the outside in, instead of the inside out. My thoughts were; if our goal on earth is to remember who we truly are and to experience the lessons that go along with that remembering, what some refer to as an AWAKENING, then the path to do so reside outside of our human body. Enlightenment is the transcendence of our human bodies and the remembrance of our true nature which is light and love. So why is self-healing so important? The question becomes can we embrace the idea that we have everything within our being, not our body to heal and transcend.

    When we say look within, go within or refer to your inner knowing it is not a physical reference. It is a reflection within our knowing of our inherent perfection and magnificence. “Heal Others, Heal Yourself” is the opening of the portal that allows us to see that our body’s inflictions, our negative emotions and our so called disconnection from Source is not the way the truth and the light. When we accept that our physical bodies and our emotional bodies are merely an illusion of this world, something to look past, to transcend from, we begin to see that the healing begins with our connection to Source and our inherent Divinity. When we connect and discover this we begin to transcend the need for our physical bodies to be whole and perfect. Whole and perfect is who we are without the density of our physical and emotional body. This body is only a vehicle to navigate this dimension, to teach the lessons it has for us in this embodiment. “Heal Yourself” is remembering that we are not our body.

    These statements can sometimes lead to a misunderstanding. As if I was telling you to not see a physician, a medium, a pastor, a therapist, etc. for support. This is not at all what I am trying to convey. The lesson here is for us to begin to listen to our inner knowing. I believe that the Reconnective Healing Frequencies connects us to a place where we can allow ourselves to be lead to what is needed. To look within first and ask what is needed. (our inner knowing always knows) Try not to look outside ourselves by asking others what we need. When we know with inner conviction that we need to speak to our physician, medium, pastor, therapist, healer and then we follow that knowing, we now are fully engaged in the process. It is our knowing that will lead us there, now we will have ears and hearts to actually listen to what and how these supporters are guiding us to heal ourselves.

    In Reconnective Healing some will experience a spontaneous physical healing, but ALL will experience a return to balance, by remembering or reconnecting to the “IT” factor which we will name Energy, Light and Information from the Source of pure love.

    I just wrote a lot of fancy words, but most of all what I want you to know, what I want you to hear is attached below! Print this, cut it out, laminate it and put it in your back pocket, just in case life will have you forget who you truly are:

    Who Am I

    The Healer Within

    1. You are made of light… nothing more nothing less
    1. Within that light is energy and information. This energy light and information is who you are in your infinite connection to pure love.
    1. You are not your physical body or emotional body. They are just an illusion of this time and space. The body is something to look past or transcend from, using the lessons the body may bring.
    1. Enlightenment is the transcendence of our human bodies and the remembrance of our true nature which is light and love.
    1. You are love, not made of love, not experiencing love, not sharing love, not looking for love, YOU ARE LOVE.
    1. You are the voice within, the knowing which has no beginning, no end.
    1. You are a divine being, connected to your Source, the IT factor or what I call God.
    1. God is omnipotent, omniscient, omnipresent, and omnibenevolent.
    1. The vastness of this Universe and Universes beyond cannot begin to corral the essence which you share with your Source. You are an infinite being connected to all.
    1. ‘Heal Yourself” is remembering that we are not our body. Healing yourself or self-healing is the allowance of your inner knowing to embrace and embody your divine and intrinsic perfection and magnificence.

    The frequencies of Reconnective Healing and Personal Reconnections reconnect you to the remembrance or knowing of these facts or as Ms. Jillian Fleer, Head of Insight and Development at The Reconnection says, the “Veracity” of who you are.

    Are you ready to embrace the VERACITY of who you are? Read Dr. Eric Pearl’s book “The Reconnection, Heal Others, Heal Yourself”, go online and visit The Reconnection web-site or you may want to call me or message me to further this conversation.

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    Source by Virginia Adams

    Views: 1

  • Future and Scope Of Multi-Level Marketing As An Alternative Employment Source

    Future and Scope Of Multi-Level Marketing As An Alternative Employment Source

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    The industry of multi-level marketing is becoming quite popular among budding entrepreneurs and people from different walks of life. The sole reason for this increasing popularity is that it offers every people to set their own home business with attractive financial opportunities. In addition to that, people do enjoy freedoms like fixing their own job hours along with developing their own marketing and product selling strategies without any kind of interference. Here they have the right to claim their legitimate financial shares not only from their personal sales but also that from their down-line members.

    In the multi-level marketing sector there is always an increased demand of hard working employees and this demand never extinguishes even during tight situation like that of global recession. For college students this sector provides the appropriate platform to receive training on product selling and to hone marketing skills under the supervision of experienced distributors without spending any money from the pocket.

    The Multi-level marketing industry will soon become the most suitable form of alternative employment opportunities even for the highly qualified professionals. It is because in the coming days this industry will be the sole guiding force to dominate the world economy. This strategic commercial model will also present the opportunity of earning part time incomes for retired people and those working in other service sectors. In order to join in this lucrative sector there is no need of acquiring special educational qualification except simple application of common sense while selling and marketing products before the target customers.

    Firms following this business model have been able to maximize the sale and marketing of their products and services to the fullest extent. It has also helped them in earning highest possible revenues in every year. Using this strategic business model companies like Qivana, Sunrider, Fuxion and many more have been able to be in constant touch with the changing tastes and preferences of the customers when it comes to buy and choose new products and services. These firms are also helping distributors with the options of leading luxurious life with greater financial autonomy through their unique and effective compensation plans.

    These compensation plans play a vital role in the sector of multi-level marketing in determining the hardworking initiative of the distributors to reward them adequately with robust bonuses and incentives along with the opportunity to spend vacation in exotic places. So without wasting any more time people must enroll in this sector early for leading a happy and joyous life with family and friends forever.

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    Source by Manojit Chatterjee

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  • Money – And How to Make More of It

    Money – And How to Make More of It

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    I don't know many independent professionals who wouldn't like to make more money.

    It seems so simple. Ultimately there are only four ways to make more money in your business:

    1. Get more new clients or customers

    2. Raise your rates or fees

    3. Sell ​​more services to each client

    4. Get more repeat business from existing clients.

    Yes, but how do you actually accomplish those three things?

    For the next several weeks, I'm going to write a series of articles on how to make more money in your business.

    And I'm going to do my best to give you practical, actionable ideas that work. I know they work because I've3 used them and so have many of my clients over the years.

    But before I start, there's an important things to understand about money.

    Money. Is. An. Emotional. Issue.

    Money isn't dollar bills in our pocket or numbers in our bank account.

    No, in our minds, money is about our self worth, about how we compare ourselves to others, about how we feel about ourselves, about our success, and ultimately about our survival.

    I have a favorite story about money that makes this very clear.

    A few years ago, I worked with a husband and wife team who were executive coaches.

    Because of our work together, they started to attract more clients on a consistent basis.

    However, like many independent professionals, they were undercharging for their professional services.

    But when I suggested they raise their fees, they became very uncomfortable.

    And when I dug in, I discovered why.

    It turns out that both had been raised in relatively poor families and they continually got the message that "rich people are dishonest."

    Because they believed that to be true, of course they didn't want to raise their fees. That would make them, in their minds, dishonest.

    And, if they felt they were dishonest, that would be a moral failure. That wouldn't feel good. It actually felt better to make less money!

    After we explored this belief in depth, they realized that it was both emotional and illogical. It clearly wasn't true that all rich people were dishonest.

    Their belief started to transform to: "We offer an honest service that makes a difference to our clients and it's OK to charge what that service is really worth."

    This new belief felt a lot better than the old one.

    And realizing this, they finally clearly saw that the fees they then charged were virtually nothing compared to the value their clients received.

    And before too long they had doubled their fees with almost no pushback from their clients.

    And no angst on their part.

    So, the very first thing to examine if you are not making the money you want, are your beliefs about money.

    Sounds simple, but it's trickier than it seems.

    Why? Because we believe what we believe to protect us from any kind of harm – even if this harm is imaginary.

    My clients believed they'd become dishonest if they raised their fees. So, in their minds, not raising their fees prevented that from happening.

    What shifted this belief was clearly seeing that it was essentially nonsense. They could raise their fees and still be honest people.

    With this powerful insight, their belief was forever changed.

    And now, as a business owner, I challenge you to question your beliefs about money. First, identify the ones that are holding you back.

    Here are a few very popular ones:

    Money is scarce

    My clients can't pay higher fees

    People will think I'm greedy

    More money will lead to problems

    It feels wrong to make money doing what I love

    Money will corrupt me

    Being wealthy will make me arrogant

    I don't deserve a lot of money

    Money leads to bad things

    More money just means more taxes

    Wanting more money is selfish and shallow

    List yours here: ______________________

    I don't know which of these beliefs is running you, but if you aren't making the money you want it's almost certain that one or more of these beliefs is holding you back.

    What are the fears behind the beliefs?

    Honestly ask if those beliefs are true and if they are serving you or limiting you.

    Then ask how things might change without those beliefs.

    You just might find that it's not so hard to raise your fees after all.

    So, the first thing you must do to earn more money is to question your beliefs about money. Unless you do that, you're unlikely to take the practical steps that will help you earn more money.

    Do this honest questioning about your money beliefs and you'll be ready to learn a number of step-by-step approaches to earning more money that I'll cover in the following weeks.

    Cheers, Robert

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    Source by Robert Middleton

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  • The Power Of Pocket Money

    The Power Of Pocket Money

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    Kids have always loved the thrill of receiving their very own pocket money to spend however they like. From saving up to buy the toy they’ve had their eye on for weeks to the quick delight that comes from waving around a bubble sword or getting stuck into a new puzzle book, hours of fun can come from the simplest of things.

    Halifax, which has conducted an annual pocket money survey since 1987, suggests the average amount kids receive is now £7.01. And in today’s financial climate, pocket money can be a good way to teach children to be careful with their cash and learn how to make it go further. Advance education about the importance of saving and an understanding of money has been shown to give children a head start when it comes to money management in later life.

    But it’s not just the kids that are jumping onto the pocket money bandwagon.

    Parents are also opting to turn away from bigger box items. After all, there’s nothing more frustrating than shelling out on an expensive toy only to see your child tire of it after half an hour. Especially when it takes so long to undo all the wasteful packaging!

    The growing trend for pocket money toys means a wider variety for the smaller customer, and it’s a great way for parents to get the latest fad without breaking the bank.

    One pocket money item that has seen incredible growth in sales is slime and putty. Venture onto YouTube and you’ll find millions of videos of kids playing with it. In fact, there are even global slime conventions throughout the world off the back of this massive craze and there is no sign of it slowing down. Global sales are still rising and the popularity of this realtively simple and inexpensive toy is still growing. With thousands of variations – magnetic slime, rainbow slime, glow in the dar slime and more this is the craze that should go for many months more.

    Of course, certain toys are timeless and will never go out of fashion. Spinning tops, tumbling tower games, marble drops and classic board games have captured children’s imaginations throughout the years and continue to be just as popular today as they ever were.

    Another range that has been adapted for the pocket money market is the educational toy. It’s no secret that play is a great way to help children learn and toys are continually evolving to support this trend with more and more unique playsets and experimental kits to keep them entertained.

    So to summarise, think twice before thinking you need to shell out large sums of money to keep your kids happy. Sometimes a £1 pot of slime will bring just as many smiles.

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    Source by Vicky Walmsley

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  • 3 Reasons Why EVERY Entrepreneur Should Learn a Few Coaching Skills

    You would be surprised at how many times I’ve been hired (and fully paid) for copy the clients have loved but never used. Why? Well, there are as many reasons as entrepreneurs out there but a good chunk of the time it has to do with some sort of block. That’s why I’m a big believer in every entrepreneur knowing a few coaching skills (it’s certainly helped me out). Read on for 3 more reasons why EVERY entrepreneur should have a few coaching skills in their back pocket.

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    http://www.associationofmarketing.org/articles/view.php?article_id=6476

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  • The Political Economy Of Coronavirus By Kunle Wizeman Ajayi

    The Political Economy Of Coronavirus By Kunle Wizeman Ajayi

    The Political Economy Of Coronavirus By Kunle Wizeman Ajayi 1

    The Political Economy Of Coronavirus By Kunle Wizeman Ajayi 2


     

    The most powerful person in Aso Rock, Abba Kyari; who is the chief of staff to the president, has tested positive to Covid19. No government official can reach President Buhari without him. There is a ripe suspicion that the kitchen cabinet might have been infected. Likewise in Europe, the most powerful person, Angela Merkel the chancellor of Germany, has been quarantined. While Trump and Boris Johnson took the same path in trying to ignore the pandemic, their governments are in deep crises of the damages and exposures their neglect has caused the citizens.

    As I type, the fear of corona virus is the beginning of real wisdom as governments are now banning even churches and mosques from gathering. The Nigerian federal ministry of health has announced 42 cases so far. And even the mass of working people who have hitherto doubted our thieving class so far, are now more wary and precautionary over their immediate safety without relying on the failed health institutions. People seldom shake hands now. Corona waves na the way to greet now! That corona virus has turned a corruption racket is what will be duly discussed another day. 

    Industries are closing down as Wall Street falls like pack of cards. US President Donald Trump is shouting “cuts” for the working class and bail-outs for industries and big business. Whereas, Socialist presidential aspirant Bernie Sanders is calling for “healthcare for all” as well as pay for all US citizens staying at home during the pandemic days. The globalised trend of the corona virus needs a global understanding and lessons of how the world is being ruled everywhere. The way US rulers have failed to care for the poor and invest in proper and compulsory healthcare for all but private pharmaceutical companies who make healthcare a commercial quantity that only the rich can afford, is the same way Nigerian rulers failed to build hospitals and kept allocating between 4 to 6% budgetary spending on education while them and their children spend billions on medical tourism. Also, Boris Johnson’s UK government is renting “beds at hospitals.” This is unlike Spain that has nationalized its healthcare!

    The price of crude oil has fallen globally. The global stock exchange has crashed as workers can no longer go to work and make great wealth for their casino. Coronavirus has superceded SARS with its speedy spread and effects globally. So the world economic crises have been, for the first time, propelled by a health crisis. What can the Left and the revolutionaries in Nigeria make out of this global crises that could leave no island untouched? 

    Naomi Klein, the author of the classic ‘The Shock Doctrine: The Rise of Disaster Capitalism’ has come up to warn that “if you’re a hard-core free-market economist, you understand that when market fails it lends itself to progressive change much more organically, than it does (when) the kind of deregulatory policies emerge. Political and economic elites understand that moment of crises is their chance to push through their wish list of unpopular policies that further polarize wealth…”

    I argue that while the government in Nigeria has reduced the cruelly expensive cost of petrol by just #20, and there is lipservice to building new hospitals, there is a larger probability of massive corruption as the federal government has already declared #2trillion intervention fund. Why we the working people have to very much care is because the same elements who created the crises (whichever ways) would end up profiting largely from the crises. This just as many military officers and politicians are billionaires courtesy the Boko Haram war.

    The interplay of methods of these corruptive accumulations on one hand, and the trajectory of working class resistances is critically assessed weighing up why and how the working people were at the loosing ends at the 2008/9 global economic crises that made the Central Bank under the Soludo/Sanusi bail-outs policies made the criminal banks even richer than before. Though a few bank MDs and top officers were detained on “hospital beds” and such other “ajebutter” prisons; no bank owner was even questioned. 

    The fact that both the US and Nigeria are rich governments that have bad healthcare policies, discussing social infrastructures as class struggle under this system of “primitive accumulation” needs to be knocked up as perspectives to guide millions who want an end to crises and build another world that would be for all and not a tiny thieving few.    

    A CLASSLESS PANDEMIC

    The corona virus has shown that the gap between the rich and the poor is just an artificial creation. The nature of humans is more communal than competitive. Plenty of the rich mouth the fact that we are all equal, but some are more equal than others. This virus is a threat to all and shows that the world can organize together and defeat any virus that attacks it. Crises like this shows that there is no policy that is pro-rich that can save society. Most of the capitalists who rule our world have been saying that government cannot help all and cater for the needs of majority. They tend to tell us that getting “healthcare for all” is rocket science. Corona virus has proved that all that is wrong!

    Meanwhile, many Nigerians are debating as to the cause of corona virus, and why it has drawn more attentions than malaria that kills about 800 everyday and child mortality that murders about 300 women daily. These debates became rife when Ibrahim Magu; head of the Economic Financial Crimes Commission (EFCC) asserted that “corona virus is caused by corruption.” His position, while quite misleading, is correct to the point that the virus is actually caused by the greed of man in unsettling the animal and forest lives. Most of the viruses live in the wildest of forests but humans go in and destroy their habitats. These make the virus homeless and have to migrate to live with humans. 

    The corona virus has also made the Nigerian politicians to have no escapist lives again. Most of them used to go abroad for medical tourism. But there is nowhere to run to now! This is why revolutionaries must use this chance to support striking doctors and demand for free, functionally standard and compulsory healthcare for all. We do not want a situation where the ruling class would use state wealth to build defence and cure for corona virus, only for the rich, instead for all. We must avoid repeating case of the last economic meltdown where what we could see is socialism for the rich and leave the poor uncatered for. This is why we must all reject the paltry #20 that was reduced from oil price as well as condemn the full devaluation of the naira. These policies will make the rich eat their cake and have it. Petrol price should be reduced to at least #45 while naira should be strengthened. The time to consider the #RevolutionNow demands of an “economy for the majority” is now! 

    2008/9: A FLASHBACK 

    When the 2008 global economic meltdown stormed Nigeria, the rulers ordered “technocrats” to adopt the Obama measures in bailing out the banks and their thieving managers. After prosecuting five CEOs of Afribank, Oceanic, Finbank, Intercontinental, and Union bank, The CBN went ahead to put #460bn as bail-outs for the banks after recovering just #70bn. The CEOs lost their posts for giving out #700bn loans without collateral. The loans portfolio of the bank, according to CBN, is #2.8tn. The richest guys in the country were involved in this public racket and were never touched. A good instance is Aliko Dangote who had a loan worth $15m with Oceanic Bank but got elected to replace Ndi OKereke as Nigerian Stock Exchange president. The same person has the monopoly of trading in rice, salt, sugar, textiles, and vegetable oil. The same persons who created the crises in the same place got rewarded after the crises. This is what Naomi Klein is warning about. For the rich, socialism is never good for the majority. The rich, in the time of corona virus and other disasters, want bail-outs but never for the working people. Just as Omoyele Sowore noted; “when crises arises, capitalism retires and socialism becomes the messiah!  

    We must start asking for Cost of Living Allowance (COLA) from the federal government. Every Nigerian must each be paid at least #100,000 monthly as the corona virus effect billing. We should also demand a standard hospital per 5 streets with the doctors and nurses paid appropriately! 

    THE TRUMP/BUHARI DISORDER

    President Buhari’s address to Nigerians has failed to address the pandemic. Trump’s tweets are of the same mental disorders like those of the ministers and officials of Buhari’s government.  Trump boasted that the “virus is under total control…The market will take care of itself,” he had to recant after the Dow Jones Industrial closed with its worst one-day decline since 1987; “The market will be very strong as soon as we get rid of the virus.”

    “But even as he was doing so, Trump maintained that he hadn’t said the virus was “under control,” which is something he has most definitely said on many occasions — along with other attempts to play down fears” CNN noted.

    Garba Shehu and other spokespersons of President Buhari have also been speaking from all sides of their mouths. They first downplayed the effect of the virus by revealing that malaria has been killing hundreds…Until they made some allocations of about $1.2trillion to the virus effects. The question remains the goals of the government. Many Nigerians do not trust the same government that has never given as much as 8% budgetary allocation to healthcare since the Buhari regime came into place, just like the PDP governments before it. While the president is one of the most sick, he prefers to betray electoral promises and visit private hospitals in the UK for months instead of building standard public health care. 

    Working people in US,UK, and Nigeria should look beyond their reactionary rulers and make real political demands that will make sure the same rogues who cause the crises don’t come back to claim to be the super heroes of the same crises. The case of Ebola and Lassa in Nigeria are classics in this regard. While Nigeria was lucky to get over the Ebola case with the sacrifice of health officials; Lassa fever has killed thousands so far loosely tackled because rodents most likely cannot enter luxury houses.

    Nigerians should be aware that both Buhari and Trump are exponents of crazy capitalism and prefers to give false answers to real threats and would only be falsely apologetic later. We must understand that the rulers are neither interested in our well being nor our future. Their fear is that the virus should never become for all. They prefer crises for just the masses. But oga corona no mind. This is why despite Trump trying to call it Chinese virus or Buhari trying to boycott addressing the country, nothing matters to the working people than having a healthy society. Arms in arms, we will have to care for one another and defeat the most dangerous virus ever in the history of the world! 

    OPIUMS ON THE CROSS

    Pastors in Nigeria, aside the ban on public and mass gatherings, are seriously on trial! Many a youths are asking what their “God” would do in this time of corona virus to save the followers from untimely deaths. The first pastor to become so fearless had predicted that he would go to China to cure the virus. But by the time the Italian became the first case in view; the pastor got admitted in a hospital for unknown reasons.

    Also, the mosques are closing shop. Even many are contemplating drinking alcohol to help in preventing corona virus. Despite the fact that many a churches and mosques become well attended public places, the belief in better life and a prosperous world without danger have been the egg tacts around the building of these beliefs. Saudi Arabia has stopped religious visitations. Government everywhere is banning all worshipping junctures. If these bans have been summoned by political demands of the left, it couldn’t have sailed through but the struggle is being marshaled by a pandemic. Bernie Sanders was seen as too extreme but most of those pro-establishment strollers must be shitting in their yanshes now!

    Karl Marx was very clear that “religion is the opium of the masses, the soul of the soulless.” The realizations of the fact that the immediacy of the problems of society can only be derailed if the people think that there is an umbrella or belief that can make some magic. With corona now, even the state that employs religion is not apologetic in banning its public activities. Sadly, many priests still in shock as to a possible demarketing have kept on lying to their congregations. A viral video shows a pastor saying “coronavirus cannot enter Nigeria where there is corrosive anointing;” so cocky in ignorance.  Such public ranting must be condemned.

    CONFUSION BREAK BONE; NAIJA HEALTH IN CRISES

    When the deposed emir of Kano, former CBN governor Sanusi Lamido Sanusi, was banned to Awe in Nassarawa State; the town has two (2) doctors to two hundred thousand (200,000) people. Such is the metaphor of health care in Nigeria.  Most doctors, nurses, and other medical personnel have migrated to other climes in an unprecedented brain drain. As Yusuf posited “7 out of 10 Nigerians live on less than $1.25 (~500 Naira) a day and they also live in a country where 70% of health expenditures are out-of-pocket payments. Nineteen years after the Abuja Declaration where African Union states pledged to allocate at least 15% of their annual budget to health, Nigeria continues to default. With over 23,584 public primary health care facilities, 8,290 private primary health care facilities and 200,000 patent and proprietary medicine vendors (PPMVs) in Nigeria, yet the country’s health indices and other health indicators continue to remain abysmal without any significant improvement compared to other countries in Sub-Saharan Africa.

    Citizens are condemned to self-care using several unregulated drugs and African raw herbs. The yearly allocations to health care in the budget never rise beyond 6 and 8%. This is despite the fact that Aisha, wife of President Buhari once publicly complained that Aso rock clinic has no syringe! At the Teaching hospitals, one has to pay heavily to get health care as the state has been practicing health care commercialization. The medical equipments are really not there while there are so poor remunerations of medical personnel. Yet, when Ebola came knocking in 2014, the health workers paid the sacrifices. 

    Corona virus is global and has now halted the medical tourism of the rich class of whom President Buhari is the chief. If not for Covid-19, he would have gone visiting his London doctors for the umpteenth time!  

    The health workers’ unions have been fighting for a better system for years. This has been led by the Joint Health Staffs Union (JOHESU) and the Nigeria Medical Associations (NMA.) JOHESU has led enormous strikes and pickets but the neo-liberal policies of the ruling class keep ignoring these strikes. As I write, doctors in Abuja are on strike. The rulers are now in a quagmire. This is the time for the unions to collaborate with the civil society and revolutionary movements to take up the state and fight for “free health care for all.”

    THE EXAMPLE OF CUBA

    Fidel Castro’s people are the certified global doctors today! 

    A small island at the backyard of the United States of North America; Cuba is a state-capitalist economy led by revolutionary socialists. While the state have yet boomed since 1959 as a result of the prevailing capitalist globe, it has been vociferous on social welfarism especially education, food, health, and housing. This has been the minimum with which the Communist Party has been working on since the revolution. With its third president in charge now; Cuba is the country that is now rescuing the world from the genocide of corona virus. The vessel that is wholly affected by the virus has been shipped to the Cuban shore and Cuba has been treating the patients on board. Italy is receiving about 200 Cuban doctors and nurses as the catholic country leads the population of casualties. The Cuban health statistics shows that 98% is living healthily just as education is 98.5%. 

    Cuba stood by the world on hurricane Katrina; by South Africa against apartheid; by Angola against imperialist Portugal, and now that “God-forsaken communist country” stands by the world with the best of its great medical care against corona virus. This is a lesson that we need to abide by and make the world a socialist island. The current system of “greed and power” is a pandemic. It is ruled by political viruses that live mainly on primitive accumulations of the sweat and blood of the majority. The working class of all lands should unite and fight capitalism to the ruins and replace it with a world led by the people who make the wealth, not those who do nothing but steal the wealth.  

    IN ALL; THIS PANDEMIC WILL FALL

    The struggle for a safer world is in danger of that “common ruins of the contending classes.” Italy, Nigeria, Spain, China, US, and some others have recorded deaths through corona virus. It is currently rumoured that some senators and members of the House of Representatives have contracted the deadly virus. We have 582 deaths in US and 46,145 cases with only 295 recoveries. One death has been recorded in Nigeria with 46 cases recorded. 6,777 are dead out of 63,927 cases in Italy. China has 16,578 dead in 382,570 incidents. Germany has 29,056 with 123 people dead. German chancellor, Angela Merkel has been quarantined. India with over 1 billion population has about 500 cases with no deaths. 

    The Indian case is very peculiar in lessons for Nigeria. Public health care in all tiers is free and subsidized for those below the poverty line. The Indian health sector encompasses 18% of total outpatient care and 44% of total impatient care. Middle and upper class use public health care less than those with a lower standard of living

    The Covid19 pandemic has exposed big countries like Britain, US, China, Nigeria, and others. The pandemic have also exposed capitalism as an idea that is deficient to the mass of working people. The idea does not care for the majority but the thieving minority. The rich continue to be richer while the poor becomes poorer. We need labour and civil society to work together and reconstitute revolutionary relationships to make sure that working people does not be at the receiving end of this pandemic. We must remember that those who destroy the country must not be allowed to continue with their madness after the covid19. We must demand for #FreeHealthCareForAll!

    We must also demand that world-class hospitals are built massively all over the country and we leave the madness of neo-liberalism in the dustbin of ruins. To do these works, we need a movement of the working people dedicated to the revolution that will build a country for all like the Take It Back movement and the Coalition for Revolution (CORE). Socialist organizations like the Socialist Workers and Youth League (SWL) serve as the political tribunes that remind us all on the ideal and alternatives to the rot that is causing pandemics and wars to the world today.

    Capitalist presidents that combine neo-liberalism and fascism are in deep shit today as the covid19 has exposed their inefficiencies and monumental social infrastructural dangers. The health of the world is the safety net to our wealth. Why would we allow those who care about the wealth alone to continue to rule us? Why should we continue to allow those who think of only the individual and never the collective to continue to rule us? When Greta Thunberg was leading the climate change campaigns, Donald Trump was scolding her. Bernie Sanders, Jeremyn Corbyn, Omoyele Sowore, Elvo Morales, Bobbi Wine and other revolutionary change-seeking eggheads have all campaigned for another world; the point is for we the working people and all oppressed, in unity and action, lead #RevolutionNow to get a life warranty of #FreeHealthCareForAll!

    Nigerians should demand for Cost of living allowance (COLA) of at least #100,000 in order to survive as the country is being locked down. We all must observe hand washing regularly; social distancing; avoid touching of faces, and other sophisticated parts of the body. Government should provide water, gloves and hands sanitizers to all. There is no electricity just as there is very poor housing for the majority of the people. We need the majority of empty house in cities and towns to be massively redistributed. Electricity must be renationalized.

    With all unity and actions, we will defeat the yet another genocidal virus. This also tells us that we must choose to build the world for all and not for the few as the threat of grand barbarism stares us all in the face once again. Rosa Luxembourg would be rolling and smiling in her grave as we are condemned to learn from her battle cry: “socialism or barbarism!” 

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    Kunle Wizeman Ajayi

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    The Political Economy Of Coronavirus By Kunle Wizeman Ajayi
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    http://saharareporters.com/2020/03/24/political-economy-coronavirus-kunle-wizeman-ajayi

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  • Concierge Medicine – Is it For You?

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    The last time you called your doctor’s office, how long did you have to wait for a reply? How long do you usually have to wait to get an appointment or wait for a prescription to be called in? When you get to the office, how long do you spend in the waiting room and how much time does the doctor spend with you?

    Did you get all your questions answered? How many seconds do you have in the beginning of your appointment to explain your symptoms before you are interrupted? Do the nurses and doctors seem to be more interested in their computers or their charts than they are to you?

    If your experiences are like most people, your answers to these questions are not very flattering to the medical profession and to the health care system in general. Most doctors don’t really want their practices to be like this, but they don’t have much choice. They have to have a high volume of patients in order to make ends meet financially. The high volume makes the clinic a very busy place and most patients don’t feel like they get much attention.

    In 1996 in Seattle, a doctor named Howard Moran thought there should be a better way to do this. He pioneered the concept of having a lower volume practice with highly attentive medical care provided as a service for patients in return for a retainer fee, much like many attorneys or accountants use. This fee may be in addition to, or in lieu of, the regular office fees that are billed to insurance companies. This concept allows the practice to remain financially solvent while providing better, more attentive medical service to its low volume of patients (usually keeping the patient count down to about one tenth of the number in a typical traditional primary care practice).

    Unfortunately, health insurance companies currently don’t pay for this type of service, so that means the patients have to pay this out of pocket, but if the service is good, it may be worth it. Patients who join these practices are encouraged to keep their usual insurance which they will need for visits to other specialists, laboratory testing, radiological testing and/or hospital services if needed.

    Many concierge practices offer same or next day appointments, no long waits for appointments or prescription refills, direct access to your personal physician day or night, house calls if necessary, continuing care if hospitalized, complete physical examinations, audiometry screening, cardiovascular and cancer risk screening, more attention to preventive care, unrushed appointments, all questions answered, family meetings if needed, coordination of care with specialists, provision of personal health records on CDs or flash drives, etc., etc.

    Depending on the type and number of services that are provided, the flat retainer fee can vary widely from one area to the next ranging from $100 to $20,000/ year, most probably averaging around $1500-3000/year. There were only a few hundred of these physicians a few years ago, but there are over 5000 of them now all over the country. Many of them, but not all, are listed at the main website for the American Academy of Private Physicians – http://www.aapp.org/. Patients may be able to find a concierge physician in their area on this site.

    There has been some controversy surrounding some of these practices because some authorities feel the growth of concierge medicine will lead to a 2-tiered medical system in this country – one for the wealthy and one for the not-so-wealthy. Also, with the current shortage of primary care physicians (PCPs), with increasing numbers of concierge practices, the number of PCPs available for traditional offices will be even smaller, and access to care for patients served by those practices will suffer. On the other hand, more medical students may become interested in primary care if opportunities in concierge medicine are available to them when they finish their residencies.

    Some of these practices have come under fire from insurance companies who say that concierge physicians are basically providing an insurance plan for their patients without having an insurance license to do so. The practices must therefore be legally and financially structured in such a way that avoids this criticism.

    Overall, the concept of concierge medicine provides a good alternative to the currently unsatisfying traditional model of medical practice. The fee may seem high to some, but in most instances, it probably isn’t much higher than the cost of the local cable or telephone bill, or about the same as what a family would spend eating out at a restaurant once a week. 

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    Source by Greg Warth, M.D.

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  • Stopping Employee Theft in Your Coffee Business

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    Regardless to how good of an employer you are, and even if you treat your employees well, understand that employee theft is a reality, and you need to control it. While it may only be a very small percentage of your staff that might steal from you, it can have a significant financial impact on your coffee business. If it goes unnoticed, employees will usually become even more brazen in their activities.

    When it comes to theft, your employees are likely to fall into one of the following four categories:

    Mr./Ms. honest – these are people who would never think of taking anything if it doesn’t belong to them. If they happen to go home with one of your ballpoint pens, they’ll bring it back the next day, and feel guilty that they took it home, even though it was unintentional.

    Incidental theft – these are people that will take home your pen by accident, and will keep it. And, they may scarf a piece of cheesecake occasionally when you aren’t looking, even though they know they shouldn’t. Because these items have minimal value, they have no great sense of guilt related to their activities.

    Theft because of need and opportunity – this is when you have an employee who is perhaps living on the edge financially, and because they have the need, and because your security may be lax, they’ll take advantage of an opportune situation to take something.

    Compulsive theft – this is the person who is always looking for something to steal, and they have absolutely no conscience about it. They typically rationalize the theft in their own mind. They consider you to be the rich, fat cat, and feel that they are over worked and under paid, so stealing from you is justified.

    Employee theft probably exists to some extent within your operation, whether you are aware of it or not. You can most likely live with incidental theft, provided it doesn’t get out of control. Theft related to need and opportunity is, in reality, your fault. These people would probably not steal from you normally, but a lack of security procedures has created the temptation and means for them to do so. Compulsive theft must be discovered, stopped, and you must eliminate the person(s) responsible.

    Losing product due to theft:

    Your employees may have no desire or need for a sleeve of 12oz. paper cups, Java Jackets, or a roll of toilet paper… but they might like a frozen cake, gallon of chocolate sauce, 6-pack of beer, or a bottle of wine.

    There are some simple things you can do to greatly reduce the chance of being ripped-off. First, don’t allow your employees to store their jackets, backpacks, and purses near where you store products. This makes it incredibly simple for someone to slide something into their bag or jacket pocket when no one is watching. I always had my employees store their personal belongings in the cabinet under the cash register (where someone would always be watching), or in my office, under lock & and key.

    Second, keep the back door of your store locked with a key at all times (you or your supervisor being the only ones having a key). If customers regularly enter through your back door, this may not be an option. If your back door is an emergency fire exit (and it probably is), you’ll need to install an alarmed breaker-bar. The whole point is that you don’t want your employees to be able to flow in and out of the back door without you knowing about it. Carrying product out the back door to their car, a hiding place for later pick-up, or an awaiting friend, is one of the most common ways products will exit your store.

    Once you have made it more difficult to stash things in their personal belongings, or carry them out the back door, employees may resort to hiding items in the trashcan. Of course you will unlock the back door to let them take out the trash. If they have hidden something in the trashcan, a dumpster-diving expedition will certainly be planned for after-hours to recover their treasure.

    Periodic trashcan checks should eliminate this problem, or make it a far less appealing option to anyone considering this method to smuggle things out of your store. Buy a long handle 3-prong garden rake. When employees ask to take out the trash, accompany them, and have them hold the can up on the edge of the dumpster while you rake out the trashcan contents. What you are looking for are things that might have been hidden in the trash, but you can tell your employees that you are merely making sure that small wares aren’t being accidentally thrown away. During the 15-years I owned and managed restaurants, I discovered everything from six-packs of beer, bottles of wine, and packages of steaks hidden in the trash!

    Another situation that will create an ideal opportunity for employees to steal from you is having only one person working in your store. If your baker comes in each morning a hour before you or the next employee, or if one person is left to clean and lock-up the place at the end of the day, opportunities for theft abound. As the old saying goes: when the cat’s away…

    Always try to have at least two people in your store at all times. If there is not justification for having a second employee on the clock, then you will need to be that second person. If this requires you going from a 60-hour workweek to 80-hours, then this may not be a tolerable option. If this is the case, then at least invest a couple of hours more each day for a week or two to do some detective work.

    During those times of day when only one employee is working, park at the far end of the parking lot, or across the street, so that you will reduce the chance of being noticed by your employee. If they are familiar with your vehicle, use your spouse’s or friend’s vehicle for a few days. Watch carefully (with binoculars if necessary). I know this all sounds a little CSI – like, but better to rest-easy, feeling fairly assured that your employee isn’t carrying away your store when you’re not watching. If I had the time, I could tell you countless stories of my experiences in catching employees red handed, loading the trunks of their cars.

    If you suspect that theft of product might be occurring, but you’ve seen no direct evidence of it, then conducting a daily key item inventory may shed some light on the situation. Write down a list of 15 to 20 products that you think would be most appealing for someone to steal. In your coffee business, this might include items such as coffee, syrups and sauces, smoothie puree, biscotti, cookies, and desserts, sandwich meats & cheeses, and of course beer & wine (if you serve those from your operation). Then take an inventory of these items every day. Your employees don’t need to know what you are doing, and if they ask, simply tell them you are taking an inventory for ordering purposes.

    What you are looking for are anomalies in usage. For example, let’s say that from your daily inventories you assess that you use about half a gallon of chocolate sauce per day. Then, one day you notice you used 1 1/2 gallons of chocolate the previous day. This should send up a red flag! Why did you go through an extra gallon of chocolate? Were you significantly busier yesterday, or did you featuring several drink specials which contained chocolate sauce? A quick review of individual item sales from yesterday’s cash register report should provide you with the answer. If you average one ounce of chocolate per beverage, then using 1 1/2 gallons means you should have sold approximately 192 beverages containing chocolate (128 oz. per gal. x 1.5 = 192). If this was the case, no problem. But, if you discover that you only sold 64 beverages containing chocolate, then 128 oz. (or 1 gallon) is unaccounted for and missing! A good indication that it probably walked out the door. If this happens, keep track of who was working on the day of the shortage. If this happens continually, eventually you will discover that the same person or persons were working every time.

    Theft of money by employees:

    Hopefully, none of your employees will have the desire to steal products from you, but some will be tempted by the lure of cold, hard, cash. Everyone could use an extra $20 a day. Employees who steal money from you will definitely hurt your bottom line, and must be eliminated.

    The first way to reduce cash theft is to have a cash handling policy in place that will discourage theft. If multiple employees are using the cash register, and no one person is responsible, then I can almost guarantee that your cash drawer will keep coming up short on a regular basis. The fact that no one person can be held responsible for the shortages, will make grabbing a bill or two easy and appealing.

    Implement a policy that one, and only one person is responsible for the cash register for the entire shift. They should count the drawer at the beginning of their shift to verify that they are starting with the designated change bank. Then, they should be the only person to ring up sales and make change. Even you, the owner/manger, should keep your hands out of their cash drawer. Finally, at the end of their shift, they should set aside the amount they started with in the change drawer, and total all the remaining cash, checks, and charges, and balance against what was rung up on the register. If they started with the right amount of money in the cash drawer, rang everything up, took all the money, counted back all the change, and they end up short… who’s fault is it? It can only be theirs. By implementing this simple policy, I once took an operation that was coming up $100 a day ($3,000 a month) cash short, and reduced it to $3 a day, in just 30 days! That’s over a $2,900 bottom line improvement, (in case you didn’t do the math)!

    The other common method that a cashier might use to steal money from you is by using a method called, building a bank. This is the process of not ringing up items on the cash register, while still taking money from the customers, and then pocketing that money. Typically, they will obscure the view of the cash register display on the customer’s side with something like a flower, retail merchandise, or by turning the display so that it cannot be easily seen. Then, they will pretend to ring up an item, but will hit the no sale key instead, popping the drawer open so they can take the cash and make change, but in reality, they haven’t rung up anything. The other thing they might do when it is busy is to just not shut the drawer between transactions. They simply convey verbally the cost of items ordered by customers and take the cash, but once again, nothing has been rung up.

    A cash register that prints out the order on a remote receipt printer to the person who will be preparing the item, can eliminate this problem. Quite simply, if the item isn’t rung-up, it won’t print out. If your barista or cook won’t prepare anything without a receipt (and they shouldn’t!), it will force your cashier to ring everything up.

    If you observe that the cash register’s display has been blocked from the customer’s view, or there are an excessive number of no sale indications on your cash register’s detail tape, or notice that your cashier is not shutting the drawer between transactions, beware! While these may not be indisputable proof that your cashier is stealing from you, they should certainly heighten your vigilance to find out if something is going on.

    If your coffee business only warrants having one employee working at a time, perhaps because you own a cart, kiosk, or low volume drive-through operation, then how do you go about keeping your employee from building a bank and stealing from you? The best solution I’ve seen is to turn your customers in to watchdogs. Affix a sign to the front of your cash register, in plain sight of the customer, that reads: If you don’t receive a receipt with your order, it’s FREE! This will force your cashier to hand each customer a receipt for their purchase. If they are building a bank, this means they will have to hand the customer a receipt that says – NO SALE; something they probably won’t fell comfortable doing!

    The financial impact of theft of money can be extremely damaging, for example: Let’s say you have a cashier who is skimming off $20 a day by not ringing things up, and then pocketing the money. Not only did you loose the stolen $20, but the $7 of ingredients that were probably used to produce the ordered products; ($20 x 35% ingredient cost = $7.00). So in reality, you lost $27, and it will take an additional $41.54 in sales, to recover this loss; ($41.54 x 65% gross profit = $27). $27 a day lost to theft, X 21 days worked by the employee = $567 lost cash & product per month; $872 extra sales required to offset this loss. (Annual loss, $6,804; $10,468 in additional income required to offset loss.) You must stop theft of money!

    Theft of money management:

    If you have a manger running your operation for you, this can really create an opportunity for cash theft. Just about anyone who has ever run a food service operation (self included), probably felt that they were over-worked and under-paid. Some are tempted to grant themselves an unapproved raise. Your manger has the control key to the cash register, which means they have the ability to back off items that were sold. You would be wise to check your cash register detail tapes on a regular basis. If you see multiple items backed off in groups, or more worrisome yet, all backed off at the very end of the shift, beware!

    A good way to keep this from happening is to establish a policy that no over-rings are to be backed off of sales on the cash register with the management control key. Instead, when the cashier makes an over-ring, they should take the receipt, write over-ring on it, sign it, and put it in the cash drawer. At the end of the shift, the total of all over-rings should be manually backed off of the sales total indicated on the cash register report.

    Many years ago I had a manager that was stealing money from me in another creative way. This manager, who opened the store each day, would reset the cash register by Z-ing it out after the first half hour of business. He would then pocket the proceeds earned during that first half hour. Because additional sales were generated during the second half hour, the cash register hourly sales report would always show sales for the first hour of operation, thus eliminating any suspicion that something might be going on.

    It wasn’t until I was doing a routine audit of cash register Z tapes that I noticed something wasn’t right. When you run a Z report, which resets the cash register at the end of each day, a multi-digit number will usually be printed somewhere on that tape. The next time you Z the register, that number will advance by one digit. I noticed that even though the tapes were sequential in date, every other number was missing. This tipped me off that the register was being Z-ed twice a day! When I confronted my manager with the tapes, his look of panic spoke volumes.

    If you are doubting the honesty of any of your employees or managers, one way you can verify or eliminate your suspicion is by baiting the cash drawer. Slip an extra $20 bill in the drawer sometime during the day when they aren’t watching. If they don’t end up reporting at the end of their shift that they were $20 cash-over, I’ll do it a second time (just to make sure). If they don’t report it a second time, you should have no doubts that they are indeed, dishonest.

    NEVER accuse an employee or manger of stealing unless you catch them red-handed (actually stuffing money into their pockets). Even though the circumstantial evidence may be overwhelming, unless you actually catch them in the act, they are likely to deny your accusations, and will probably file a complaint against you with the department of labor! The brief moment of satisfaction you will gain from letting them know you are aware of what they’ve been doing, will be quickly overwhelmed by the legal predicament you will find yourself in. You will be far better off to not make accusations. Simply terminate their employment. In many states, you do not need to provide a reason as to why you are letting them go. When they ask for an explanation as to why you are firing them, simply say: I don’t need to give you a reason, I’m just letting you go, goodbye!

    Finally, don’t over look technology to help you with security. Surveillance cameras linked to a DVR (digital video recorder) can provide you with peace of mind, or evidence of theft. These systems have become very affordable, and many are easy to install. The value of these cameras go beyond having a video record of operations. The mere fact that employees understand that their activities are being video recorded, will usually discourage them from doing things that they might not think twice about, if no one was watching.

    I think it’s important to not be paranoid about employee theft. Certainly, you don’t want to be constantly obsessed with the suspicion that everyone is stealing from you. In reality, the majority of your employees are probably honest people. But, you would be wise to establish some simple safeguards, and maintain a watchful eye.

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    Source by Ed Arvidson

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  • An Unusual Way to Get Rich – Create a Flea Market Small-Business Empire With Wholesale Products

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    FACT: Many people earn $1,000 per day (that’s $104,000 per year) just selling at flea markets and swap meets on weekends. (I’ve actually made more than that on some days.) Most people think we are just a bunch of poor folks trying to make an extra dollar, and that’s exactly what we want them to think.

    What do we know that you don’t? What are our secrets? Can you do it?

    Yes. Anyone can sell at flea markets and become wealthy…and I’m going to tell you exactly how right here.

    Becoming a flea market vendor is easy and affordable. Your expenses will be the cost of your merchandise and space rent. Daily rent for an outside space can be as little as $5-$10 per day. Many people begin by selling used items and move into selling brand new items purchased from wholesale companies. New items outsell used items two to one and have a higher profit ratio.

    Most people already have a table or two they can bring with them. I actually began my flea market and swap meet business with only $200 and a couple card tables I borrowed. I now earn thousands of dollars every month without fail. (Of course, the more money you have to buy merchandise, the faster your new business will grow.)

    The key is to let your new business grow. Don’t kill it by taking all the profits out of it! I suggest that you have a job or another source of income to cover your living expenses for at least the first six months after starting your new business.

    There’s an old adage in this business: ‘The more you have, the more you’ll sell.’ Believe me, it is true! Take that to heart and put all of your profits into buying more merchandise, so you’ll have even more to sell the next weekend.

    Who do you think most shoppers will go to, the guy sitting there with four items on a single card table or three spaces across the aisle from him literally loaded with millions of different items? If you think you have enough merchandise, you don’t.

    If you use your profits to build your business and buy more merchandise every week it won’t be more than a few months before your sales rapidly increase and you can begin keeping some of the profits for yourself without killing it.

    If you live in a northern climate that is cold in winter or a southern climate that is hot and humid during summer, you might consider renting a space inside a flea market building. Yes, your space rent will go up a bit, but you’ll have the advantage of heat and air conditioning (comfortable shoppers spend more money), as well as a secure enclosure for your tables and merchandise during the week when the market is closed.

    Once your first small business is running well, use the profits from it to open a second small business at the same flea market or swap meet, selling a different type of merchandise. Expanding is as simple as renting another space and hiring someone to run it for you. Again, your costs will only be merchandise and space rent and whatever you pay your help. (Be good to them and they will be very good to you.) Just as with your first business, put the profits back into your second business and allow it to build.

    The profits from two small businesses will allow you to open a third small business with ease. Do the same as you did before and allow your third business to grow. Put the money back into it by purchasing more merchandise.

    Then open a fourth, a fifth, a sixth small business at the same flea market. It’s not only possible but almost guaranteed that if you will do that you will create your own small business empire in less than one year and have a yearly income in excess of $100,000 after expenses.

    If you just put the profit back into your first new business, it will grow without another penny out of your pocket. The profits will allow you to open a second, a third and so on. You don’t need a small business loan to get started.

    Plus, you are not limited to just one flea market or swap meet. There may be other markets within 20 or 30 miles of you, where you can do the very same thing and multiply your earnings.

    If you follow this simple yet effective formula it won’t be long before you can stop selling at flea markets yourself and just become a manager, overseeing your small business empire and stepping in to give your employees breaks.

    Once you are making a very good income, consider other ways to invest your money to make even more profit, such as opening your own wholesale house and selling merchandise to flea market vendors and make even more.

    Flea markets and swap meets are an excellent venue in which the average person may start their own small business and become wealthy by creating a small business empire.

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    Source by Allen Farlow

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  • Repricing on Health Insurance Claims

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    We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

    Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

    When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

    The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

    Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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    Source by Cal J Burgess

    Views: 0