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  • Giving a Great "Walk Around" Sales Presentation

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    Salespeople should know that a walk around isn’t just a presentation, it is a chance to discover the customer’s needs and turn your product or services features into a benefit for that customer.

    Learning good selling techniques takes practice and learning how to give a “walk around” sales presentation is essential to the sales process.

    An excellent walk around presentation is not a canned presentation. It has been said, “A good walk around presentation doesn’t work because it’s canned; it got canned because it works.” That’s what a walk around should be – not canned, but planned. Salespeople need to know where they are going all the time. Hopefully they can help guide the customer down the Road to the Sale.

    Before we can attempt a presentation we must understand what a “feature” is and what a “benefit” is. A feature is what something is – a benefit is what something does. Let’s use automobile sales as an example. So let’s look at some car sales techniques. A “walk around” occurs when a salesperson pulls a vehicle out of the line of cars in front of the dealership. The salesperson opens the doors, the trunk, and the hood. They turn on the car and get the A/C running in the summertime (or the heater in the winter time). They take the customer and tell them about the vehicle as they walk around it.

    The aerodynamic styling of a vehicle is a feature; great gas mileage and a quiet ride are the resulting benefits. A lot of salespeople are good at reciting features, but not at explaining why the customer needs them – and this is for two reasons. One is they don’t know enough about the car and the other is they did a poor job qualifying the customer’s needs. Ask questions of your customer. Ask what they want from their next vehicle and listen to what is said.

    How can a salesperson enthusiastically talk about the double steel cargo box if they don’t know what the customer is going to use the vehicle for? They can’t.

    In a typical selling situation a salesperson might say something like, “Yes sir, this car has everything you’re looking for: a fuel efficient engine and a hands-free Bluetooth communications system. It also has ABS brakes, limited slip rear axle, and terrain management.” Sounds all well and good, right? Wrong. There is nothing your salesperson has told this customer that 1,500 other salespeople and brochures and Internet research haven’t already told him.

    So the customer looks at the salesperson like a deer in the headlights. He doesn’t know what he is what he is supposed to say, except what he is probably thinking, “I can see all of these options, Mr. Salesperson. Tell me something I don’t know.” You see, when the salesperson recites his or her cornucopia of knowledge, it isn’t a question so it doesn’t really move the sale forward. He is just repeating what the customer told him he wanted.

    The customer’s only response is, “Yes, Mr. Salesperson, I can see it has everything I asked for. How much is it?” Or worse yet, the customer may say nothing. The worst thing that can enter a walk around presentation is silence. When there is silence, there is pressure and in the selling process, we want no pressure. As I mentioned many times, the only common ground a customer has is the price. When you stop talking, the only thing they can say is how much… or goodbye.

    To do an excellent walk around, salespeople need to remember the thing the customer wants to know more than anything, “What will it do for me?” Until you tell customer that answer, then he is probably isn’t listening.

    Back to the walk around – how long did it take me to recite the options above, 30 seconds? What do I do now? I am out of things to say. Obviously there are lots of options and I could probably go on for a while, but even if I could memorize them all on every model, the customer will be yawning. Why? Because he wants to know what it will do for him. If salespeople are just going to recite options, they would be better off to hand the customer a brochure and send him on his way. The brochure is better than a salesperson will ever be at features. They break down the passenger compartment to cubic inches for heaven’s sake! When it comes right down to it, does the customer even care that there is 28 inches of legroom? No. But he will be interested to know that, “Because of the transverse mounted engine, Mr. Customer, when you and your family take that trip to Colorado this summer you can really stretch out your legs!” That is how you sell legroom. Note: Without asking good questions, how could you make the above statement? But here’s the good news: you can make that statement even more powerful in two ways – by moving the sale forward and by asking for the order.

    There are many ways to move the sale forward, but here are a few. These are simple phrases that keep the customer following you:

    “Let me show you this feature on your new Ford Explorer.”

    “Let me show you this,”

    “Let me show you one more thing,”

    “Great, follow me.”

    Ask for the order, it is quite simple, for example:

    “That’s a feature I’m sure you’d like, isn’t it?” The customer says, “Yeah!” The salesperson says, “Great, follow me,” or “Great, now let me show you one more thing.”

    The above question is one which you should already know the answer. Use it with a feature the customer wants, for example, seat belts, air bags, crumple zones, etc. A customer just won’t say no to seat belts.

    During the sale you are always closing — in sales terminology that means you are always asking the customer for the order. For example, a very successful salesman in a 20-minute presentation will ask the customer in several different ways, in more than a dozen times if they want to buy the vehicle.

    Some of the best closing techniques to use during a sale are called tie downs. Some call them trial closes. A tie down is simply a question at the end of a statement that demands a response. Instead of saying, “Those airbags are a wonderful feature.” In the eyes of a customer, this is just an opinion. But, if I added, “Aren’t they?” to the end of that statement, it forces the customer to respond, hopefully in a positive way.

    Or, “On a scale of 1 to 10, with 10 being the highest rating, how would you rate this vehicle so far? What would it take to make that number a 10?”

    However, sometimes a customer may say something that implies that they don’t like the vehicle. For example, “Oh, that looks like something else that will break.”

    One way to handle these “objections” is to address the issue with the “Feel, Felt, Found” response. For example, you might respond by saying, “I can see why you might feel that. A lot of people have felt the same way, but once you’ve found out the engineering behind, you’ll see how beneficial this can be for you.”

    These few tips will build the foundation for a confident walk around presentation.

    – Learn your product inside and out, research what’s being said about your product on the internet.

    – Get to know your customer’s needs in the initial greeting and qualification.

    – Present with confidence and tie the features back to their needs.

    – Help make their needs become their wants.

    – Remember to refer to competitive brands and create value.

    – Take full advantage of your product expertise when doing a walk around presentation and SELL yourself and your product.

    And remember, selling is a process of listening to customer needs, finding solutions to their needs, building value you in your product or service, and giving them an opportunity to buy that product or service that serves their needs!

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    Source by Vincent Hennigan

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  • 10 Lazy Man’s Secrets To Online Riches

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    Nobody wants to stay poor forever. Everyone wants to earn to fulfill his needs, and at the same time have some savings. In most of the cases, the amount of money that a person makes depends on the hours he put in to his endeavor. Many a times we find ourselves lagging behind in making enough money so that we can fulfill all our needs rather than a few.

    Since time immemorial, men having been looking for secrets to riches, be it a treasure hunt, invading places, going through old maps and scripts, and what not. But not many have been successful in their quest to their steps to riches.

    But what if we can use some technique and have a proper planning to make more money than what we currently earn? That too, after a minimum initial hard work, we can keep lazing around but still be able to earn massively? Anyone would be lured. There are quite a few way that can make your steps to riches with smallest of efforts.

    The growing use of internet and the availability of information have worked wonders in lot of people’s life. The secrets to riches are to tap into this ever-growing market and use the potential it has to develop your business plan. The quick and easy setups, with absolutely no extra investment and quality content could lead you to earn a handsome amount of money every day. These secrets to riches are any lazy man’s dream, and it has proved its worth over the time. Let us try to find out what are the strategies and steps to riches these successful and rich men follow and earn as much for ourselves.

    1. The ability to make money is the most important step towards it. Concentrate more on the quality of the content rather quantity and you have taken the step toward success.

    2. Your ability to gel with online marketers helps a lot. The more networking you do, more are your chances of getting premium return from your website.

    3. Whatever product you sell you must have an authoritative approach in determining your superiority and assertiveness in the online area. This will reduce the competition and make your website best in class.

    4. Now that you have understood the basic requirements, you need to choose a niche for your website. Choose something that is creating a lot of interest but does not have much information on them. This is one of your secrets to riches.

    5. Research your website name and avoid any overlapping of names that might occur. That will divide the attention of the people between the two and lose out on opportunity.

    6. Seek proper guidance. You can do this yourself over the internet as there are thousands of tutorials or guides to help you set up the business.

    7. Find out what appeals to the crowd most. Try to provide for people with their requirements. In no time you will see people flocking towards your website.

    8. Set yourself apart. This will maintain the uniqueness of your website and the traffic will flow incessantly resulting in bigger revenues.

    9. Always try to provide an ‘order now’ button in your website. This will help you earn the referral and your credentials will definitely improve. This is one of the important steps to riches.

    10. Sit back after you have invested enough time to build your online presence. As you start to get more visitors you can see the money going up.

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    Source by Swati D Banerjee

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  • All Natural Erectile Dysfunction Cure

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    There is no such a disease that has a harder impact on mans life then erectile dysfunction. Your whole world collapses when you discover that you are not enough of a man anymore. To make it worse, men of all ages across the board are affected with erectile dysfunction. Sometimes, ED is experienced as early as late 20s. The men the most affected with this disorder are in their 30s and 40s. Being sexually dysfunctional after the age of 50 is considered by many to be a normal thing. But then on the other hand, why worry when erectile dysfunction can easily be fixed with a magic blue pill. Can it really?

    To answer that, lets look at some facts, then you can decide for yourself if the blue pill really is what it says it is, or it’s just another Big Pharma deception skillfully imposed on mankind.

    For the proper erection it is important to have good circulation and healthy nervous system, for the brain upon arousal to send the message for the body to start creating the erection.

    When arousal commences, arterial muscle tissue in the lining relaxes, which increases the blood influx with blood that is high in oxygen.

    Veins elasticity is needed for penis to sustain the erection, because veins constrict to prevent blood from leaving the cavernous cells.

    The erection creating impulse sent from the brain then passes through erection nerves ( cavernous nerves ) situated right at the bottom of the prostate gland, and into the penis.

    Hooray, the erection!

    However this story in real life situation usually doesn’t finish with a happy ending but rather in a shameful failure. Obviously, a million dollar question is, what is the cause of erectile dysfunction?

    Western medicine says that there are several causes of erectile dysfunction. They list as most common disorders, high blood pressure, cholesterol and enlarged prostate. To overcome all these conditions, and to achieve erection never the less, they suggest using drugs for erectile dysfunction, like Viagra, Levitra, Cialis etc.

    Interestingly enough, very few want to know why these disorders happen to begin with. It seems that people are forgetting the simple fact that, to learn how to cure we must learn why it is there in the first place. So what is the cause of all these conditions, and then, what is the cause of erectile dysfunction?

    The cause of any disease, dysfunction or condition is acidic body. Acidic body occurs when our lymphatic fluids become acidic because of the junk food or poor quality food we choose to eat.

    Lets now take a look at each of these so called causes of erectile dysfunction and dismantle them one by one.

    High blood pressure is nothing other then, our body trying to compensate for the lack of oxygen which happens when our diet is short on alkaline minerals. Shortage of alkaline minerals equals acidic body.

    Cholesterol comes about because of the same reason, acidic body. Our body protects our blood vessels from the acidic lymphatic fluids so they wouldn’t burn, or even worse dissolve, by creating cholesterol as a protective layer. Here again the acidity is the cause.

    Enlarged prostate is, like the conditions mentioned, noting other then a result of acidic body. Prostate becomes enlarged, inflamed or burned if you will by acidic lymphatic fluids. The erection nerves at the bottom of the prostate get stretched and rigid because of the same reason and they loose the ability to conduct the brain signal which is necessary to sustain the erection.

    Now when we answered the million dollar question, what is the real cause of erectile dysfunction, lets answer another one, what to do to prevent erectile dysfunction or if you have one, how to cure it.

    We must learn to eat an alkaline diet that is going to be rich in all alkaline minerals. These alkaline minerals, and only these alkaline minerals have the potential of neutralizing the body acids. Our pH of both saliva and urine has to be above 7.2 to permanently cure erectile dysfunction.

    You should always look to supply your body with alkaline minerals through the natural foods in your diet. Alkaline minerals in natural foods are in ionic state and they are easily absorbed by the body. Rock minerals bought at your local pharmacy are nothing other then a waist of money, because these can hardly be absorbed by the body, if any at all.

    Two foods that are your very best source of all alkaline minerals are black strap molasses and kelp. No other foods known to mankind can match the amount of alkaline minerals found in black strap molasses and kelp ( especially Ascophyllum Nodosum ).

    To buy black strap molasses of top quality and top quality cold water kelp click here now.

    For the rest of the folks who still believe in the magic power of the blue Viagra pill I suggest you look up what the ingredients are. To help you out a bit, all three, nitrates, titanium and aluminum are highly harmful and life threatening toxins. While you’re at it, check also if it says anything about, if it contained oxygen or alkaline minerals, because last time I did, there wasn’t any.

    Alkalize or die early death.

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    Source by Zoran Jovanovic

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  • Implementing the Character’s Emotion

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    Now that you’ve made your choices, how do you generate these emotions and make them readable to the audience? And in doing so, does the actor actually feel the emotions or simulate them? These are the questions often asked about portraying the emotion.

    It stands to reason if you want to affect the audience and move them, you, playing a credible character, must feel these emotions. But you must feel them in such a way that they are conveyed to the audience. The degree to which you feel each emotion will depend upon the method used to carry out this feat and your ability to master it.

    Actors involved in what is termed “Method Acting” use the affective memory to generate emotions. Here the actor recalls a specific event in his own life that has produced the required feeling. For example, remembering a fight you had with another student in high school could arouse the emotion of anger. Recalling the death of a close relative might generate the emotion of grief. The actor has to go back, replay the experience leading to the desired emotion, and relive those moments in his mind. Through this method, the required emotion is revived.

    There are some benefits and also some dangers in this type of emotional generation. Usually, emotions derived this way seem real and deeply moving, more so to the actor than the audience. That’s because there is a tendency to internalize these emotions so much that they are not fully evident to the viewer. The method does make producing emotions seemingly easy, but at a price.

    You will find that emotions take time to evolve naturally and resist abrupt changes when deeply seated in ones memories. This is one reason few method actors make it big in comedy. The changes come too quickly and the method actor usually lacks the required emotional agility. Likewise, the method process takes up valuable rehearsal and production time as the crew and cast wait for the actor to call up the right emotion.

    Actors using the method are likely to develop a self-indulgent feel “good” attitude which gravitates towards feelings closest to them and more comfortable for them to generate. The performance then becomes one that portrays the actor’s reality and not that of the character’s. You can see how this may stifle the actor’s imagination and limit the search for emotional truth. The method can likewise put a strain on the actor’s psyche. Using past events, some best left forgotten, can lead to situations where it affects the actor’s mental stability.

    Another danger is that of becoming bored with affected memory when repeated retakes or performances are required. There is also the possibility of being so caught up in past events one does not relate as the character.

    Another way to generate emotions is to rely on our emotional conditioning, the response to the word for each feeling, and the ability of the body to remember the resulting psychical (of the mind) and physical manifestations. This is the most simple way to produce a whole galaxy of emotions with little effort on our part. Through our childhood development, we are conditioned by the meaning of words, especially with regard to feelings. We respond to them without any conscious thought.

    Consider what happens when you are reading a good book or script. You become involved in the story and the characters. You see and feel their imaginary lives. And when you read the action description:

    She looks at his mangled body, then turns away in horror.

    The word itself is the key to what she felt. We don’t have to stop, reflect back on our own life and re-experience some past event. The response is there before we have time to think. The word itself is the signal to release all the information we have on that emotion and to invoke an immediate physical response.

    This response, while different for each person, still has common traits and a behavior that tells others which emotion is being felt. It’s almost a language in itself and a part of our non-verbal communications.

    The answer lies in the fact that in physiological terms, all emotions have similar traits. That is to say, if we were to test the breathing, heart rate, skin temperature, etc., of two people, one feeling rage and the other joy, the “physiological” signs would be similar. Only the face, gestures, and movements would signal which emotion they were actually feeling. But the flush face, the pulse and breathing rate, etc., all signifying the energy behind the emotion, would determine the size of the emotion.

    Through this process we have learned how to reach and find the emotion. But now, we must learn to nurture these feelings, making them big enough for the performance and adapting them to build credible characters.

    As we said before, emotions are feelings large enough to change your life or destroy it. They need to be powerful feelings, but all that you start with is the small sensation that the name of the emotion evokes. How can we make it bigger?

    As the word for the emotion is read, the actor feels a response centered somewhere in his body. For instance, the emotion “fear” might be felt in the stomach. For another actor, it might be in the shoulders and neck. “Suspicion” causes a response around the eyes. “Lust” in the hips or groin. “Desire” could be centered in the lips or eyes.

    For each actor, the physical response will vary. But the important thing is that the actor feels these responses and gains awareness of the physical symptoms in various parts of his body.

    How do we increase this energy level? There is a technique taught by Don Richardson, a well know TV director. It entails having the actor do some physical exercise, such as push-ups, until he’s completely out of breath. Then after a few moments, have him go directly into the scene with his intention and emotion located and his energy level at a peak. The result is astounding for the actor has no choice but to emote fully.

    The next step is to start from a totally relaxed state, retaining the selected intention and emotion, and then adding what one felt at the peak when doing the push-ups. The small emotion is now fired up by a burst of adrenaline flowing through the system as the body recalls the effect of the push-ups. The emotion is thus achieved on a large-scale as the body remembers the intense physiological state attained earlier.

    Now the emotion has to be adapted to create your specific character and make him credible. Credible emotions evolve out of the character’s perception of reality, their past experiences (emotional conditioning), and their struggles as they strive toward their goals. Character traits also play an important role in how emotions are adapted. For instance, is the person you are portraying mainly rational, mainly emotional, or a balance of the two, and as a result, would the feelings be out flowing, repressed, or even denied? Is there a great deal of inner conflict where the emotions hinder the character from attaining his objectives? What is the dynamic range of feelings, deep, shallow, explosive, etc? All these questions entail a good deal of research into creating the emotional side of a credible character.

    To assist you in this regard, I’ve compiled discussions on the various root emotions. These will aid you in adapting emotions to your specific character needs as well as improving your emotional range and awareness.

    The third way is indicating the emotions through mechanical acting. In this approach, the actor imitates the physical responses, mimicking the feelings as displayed by others.

    People often look down on mechanical acting. Yet sometimes, it becomes a necessity, either as a training or rehearsal tool exploring possible expressions and gestures, or when the actor’s capabilities cannot fulfill the complex demands of the scene. Demands such as acting style, blocking, stage business, and/or quick precise attitude and emotional changes. In such situations, producing the proper emotional illusion through a mechanical response will, at least, get the actor through these difficult moments. In addition, the director may specify certain emotional responses to attain his vision of the story, responses that may later be embellished by editing, music, and sound effects.

    In certain types of performances, particularly comedy sketches, parities, certain sit-coms, and stand up comedy, experience with mechanical acting is helpful. This is because the focus is centered on dialogue emphasis, precise timing, and clarity of attitudes. Likewise, exaggerated surface emotions have the potential to change unexpectedly while deeply felt realistic emotions lack this agility.

    This is not to say that the actor can not feel these emotions. In fact, he may feel them strongly, but the expression begins as a duplication of some physical response. Life studies, the observing of real people, nurture such emotional beginnings.

    ROOT EMOTIONS

    Root emotions are active feelings that clearly convey what is felt by the characters. They do not include happiness, sadness, sorrow, loneliness, or nervousness as these are not an emotion, but state of being. The state of being is the result of an emotion. Root emotions, on the other hand, are the cause and have the potential to affect change.

    Certain weak and complex emotions should likewise be avoided. Self-pity is weak in that it plays an effect and is often resented by the audience. Disinterest and boredom are likewise poor choices as there is no active force to motivate the character.

    Love is also a poor choice in that it is a complex emotion made up of many other feelings. Playing the feeling of love immobilizes the character rather than inviting action. A better choice would be to play a definitive emotion such as desire, lust, joy, exhilaration, or exaltation. In an unstable relationship, other emotions such as jealousy, suspicion, bewilderment, guilt, or embarrassment, along with certain other emotions, could be used. By using one single root emotion at a time, subtle shadings within the realm of love can be clarified as well as changes in the intensity.

    The emotions of the characters also plays into the psychological experience of the audience. It might be the voyeurism of spying on the character’s intimate moments. It could also be the vicarious experience of identifying with character’s situation or problems. It could also be the visceral feelings we experience as we watch the scene unfold, emotions moving us and giving us a sense of being entertained. Strong emotional choices and well-portrayed feelings, ones that connect with the viewer, can make for interesting and memorable scenes. They can help create anticipation, arouse curiosity, and hook us enough to be intrigue and involved.

    I’ve divided the most frequently used root emotions into five different categories. Each category is further clarified as to the focus of the emotion as well as the general clarifications.

    ROOT EMOTIONS

    DARK EMOTIONS (Active – Directed at or against someone, something.)

    Rage

    Anger

    Hatred

    Contempt

    Jealousy

    Envy

    SURVIVAL ORIENTED (Reactionary – Selfish – Focus usually on the expected or imagined.)

    Terror

    Horror

    Fear

    Dread

    Despair

    Grief

    Suspicion

    Apprehension

    GOAL ORIENTED (To find, to obtain, to provide – Focus usually on wants.)

    Revenge

    Ambition

    Greed

    Hope

    Desire

    Lust

    Determination

    Compassion

    Curiosity

    EGO ORIENTED (Self evaluation & result – Focus usually on masking or repressing the emotion.)

    Guilt

    Shame

    Indignation

    Intimidation

    Embarrassment

    Resentment

    BRIGHT EMOTIONS (Enjoyable – upbeat – Focus usually on the continued enjoyment.)

    Exaltation

    Joy

    Pride

    Exhilaration

    Wonderment

    Bewilderment

    In review, root emotions motivate you to fight for something, to change your (the character’s) life or destroy him (the character’s dramatic soul). To be a strong sympathetic character, always play the fighter’s side of the emotion, thinking you can win rather than loose. The physical look of one particular emotion will vary depending on the story situation, the characters, and the natural casting chemistry within and between actors.

    To further your knowledge on this subject, explore the physical sensations, sources, forms, and dynamics of the most common root emotions. Observe emotions in life as well as performances. What are the defining characteristics? Such research will also serve as a guide in stretching the clarity, strength, and polarity of your emotional repertoire.

    This chapter has covered the basic skills used in building and implementing dramatic emotions. Use these skills as tools to nurture and release the character’s true feelings, and make them readable to the audience. Most important, create emotions that serve the story, its genre and purpose.

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    Source by Erik Sean McGiven

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  • Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

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    Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

    Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

    With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

    Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

    The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

    The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

    Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

    A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

    An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

    Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

    With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

    If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

    Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

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    Source by Mike Kennedy

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  • How To Use Cayenne To Cure Bad Breath

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    Bad breath or halitosis is a common cause for worry and embarrassment for many people especially when the condition becomes chronic, meaning the person suffers from it all the time. It makes them very conscious of their surroundings and it may hinder the social life of the person. Those people may want to begin eating more cayenne pepper, as it has been proven to be a simple solution to many bad breath problems. While it will probably not work as a permanent remedy, cayenne pepper has been noted as a possible substance for treating mild cases of halitosis.

    Bad breath may have its origin associated with oral problems (teeth and gum problems), systemic problems (those arising from the respiratory tract, lungs, stomach and digestive tracts) or from illness such as cold, infections in the throat, tonsillitis, etc. It may also be caused due to drying of the mouth (xerostomia) and due to poor oral hygiene.

    If the condition is caused due to systemic problems, it can be reduced by removing or treating the systemic cause. Bad breath due to problems from the stomach is associated with conditions such as gastritis, reflux, heart burn, ulcers, etc.

    Treating such systemic conditions is done with the help of drugs that are prescribed by a physician. In addition to this, there are some herbal cures and some homemade remedies that help alleviate the problem to certain extent. One such option to cure systemic conditions arising from the stomach is Cayenne Pepper. Cayenne and bad breath are polar opposites. The chemicals in this food attack and can break down many of the internal gastrointestinal chemicals which cause bad breath. Again, while it may not work for all people, this is a fast and easy way to prevent bad breath problems from arising in the first place.

    Cayenne, whose scientific names are Capsicum frutescens or Capsicum annuum, is a hot pepper that is derived from capsicum and has an active ingredient called capsaicin. It is regularly used to treat a variety of conditions such as sinusitis, headaches, asthma, diabetes, pneumonia, arthritis, psoriasis, etc. It is helpful in improvement of blood circulation and the removal of toxins from the body. It is also helpful in treating a variety of gastrointestinal problems and aids in improving the digestion.

    This substance is used to combat bad breath both directly and indirectly. The peppers are used directly when the source for bad breath is a dry mouth and indirectly when the cause is an underlying gastrointestinal problem.

    Capsaicin in the pepper is helpful in combating bad breath by improving the flow of saliva and stimulating stomach secretions. In cases of dry mouth, chewing on some peppers of cayenne improves flow of saliva and thus reduces bad breath.

    Cayenne has been recommended in treatment of gastritis, ulcers and in dyspepsia (difficulties in digestion). It is also used to stimulate hunger by taking it in the capsular form before food. It helps in improvement in peristaltic action in the digestive tracts and in repair of the tissues of the stomach. It also helps the body in stimulating the release of hydrochloric acid that is necessary for digestion.

    Combating these gastrointestinal problems helps in indirectly reducing bad breath as these problems are a cause for halitosis. In addition to helping you get more saliva in your mouth, this substance is also helpful in improving the clearance of waste from the system thus reducing intestinal gases that may cause bad breath.

    Cayenne, though a hot pepper, is a helpful ingredient in reducing gastrointestinal problems and is frequently used by many people suffering such problems and associated problems such as bad breath.

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    Source by Richard Wilkins

    Views: 0

  • How Did Don Vierra Become the World Renowned Consultant in Health Information System?

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    For those in Health Informatics, the name “Vieira” might not sound strange. Immanuel Antonius, professionally known as Don Vieira, is a successful and independent consultant who has reached horizons beyond expectations. The 32-year old Technoprenuer has ticked off projects, which most consultants still consider as a dream.While he was brought up in Namibia, his expertise and skills were never limited to the boundaries. If Namibia is his primary home, his work stations or contracted duty stations have become the secondary residence where he used to spend most of his days.

    As far as his academic background is concerned, he holds an Honors’ degree in Computer Science, Advanced diploma in Monitoring and Evaluation, certifications on Health Information Systems (HIS) and A masters’ degree in Biometrics from the University of Paris – Est créteil in France.

    Like people dream of being associated with tech giants such as Facebook or Google, he achieved the milestone of serving for similar giants in the health sector. Some of his notable associations are with World Health Organization (WHO), Centre for Disease Control and Prevention (CDC), United Nations (UN), United States Agency for International Development (USAID), Clinton Health Access Initiative (CHAI), IntraHealth International, Global Fund, Population Service International (PSI), Jay Snow Inc. and the list goes on.

    Apart from his experience in healthcare informatics, language is one of those factors that contributed to his stature elevation. His understanding about seven languages, including English, Spanish, French and Portuguese, has helped him deal with people from different backgrounds.In other words, there has never been any force that stopped him from achieving his goals across the borders.

    With Ten (10) years of experience, he has built and supported several national systems such as the e-Health, Malaria, TB, PMTCT, Nutrition, VMMC and HIV- just to mention a few. He also trained more than 20,000 people including government officials, managers, nurses, doctors and technical people to bring significant changes in their methods of elevating the quality of life for the public.

    Vieira has developed strong professional relationships with several organisations in Kenya, Uganda, Mocambique, South Africa, Namibia, Angola, Germany, India, DRC, Zambia and the United States.Most of them used to admire his determination and skills for giving the best in every area.

    If he is assigned to a work, there is no force that can stop him from transforming a novice into an expert. Below are three of some of the notable milestones that gave a kick start to his career:

    1. A Discrete Choice Experiment for pharmacists- he worked with Dr. Peter Rockers, an assistant professor in the Department of Global Health at the Boston University School of Public Health, to bring visible changes in the health informatics. At the time of experiment, Dr. Peter Rockers was at Harvard Medical School.

    2. Vieira wore the big shoe when he took over the position of HIS Technical Advisor from Jim Sitzer, who went to become the Director in Public Health for the Umatilla County Health Department, Oregon in the US.

    3. During Vieira’s venture as a Technical Advisor for JSI, he developed a web-based master facility (MFL) for Namibia. It consists of a map indicating the location of all public health facilities in the country.The list aims to assist public locate services provided by the nearest health facilities, on the other hand, it also aims to guide the ministry of health in planning and equity in resource allocation and distribution. The MFL was built based on WHO guidelines

    Due to internet connectivity issues in most rural áreas, the Health Extension Workers were forced to use paper registers to collect patients’ information. This led to poor data quality since paper would torn or get lost. With an urge to find an appropriate solution, he created a mobile app that has the capability to store data without internet connectivity.

    Over the past few years, Vieira has won few accolades and gained international recognition for his consultancy expertise.His efforts have also managed to attract new audiences including influential decision makers from government authorities to NGOs. His passion for innovation and Technopreneurshipis what that has always made him different from others.

    For his next project, he promised to create what most government bodies and NGOs have failed to implement- “The Situation Room” that will bring new changes to the health sector.

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    Source by Anusha Saeed

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  • Hematoma Treatment – Traditional & Alternative Medicine

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    In this article I’m going to talk about traditional hematoma treatment as well as alternative medicine.

    A hematoma takes places when blood builds outside a blood vessel and they can happen anywhere. It usually happens when there is an accident or trauma, such as falling off a ramp when skateboarding or getting hit by a post office truck.

    Other causes could be drugs, diseases, high blood pressure and cancer. You might be wondering, how do you know if you have a hematoma.

    Well the skin can change colors such as become darker, there could be pain, inflammation and swelling.

    Traditional treatment usually involves R.I.C.E. Have you heard of R.I.C.E. Before? It stands for rest which is when the body heals itself, so many times it might just be the best medicine. Elevation, ice and compression which all reduce the inflammation and improve the healing.

    If the injury is really red, there is pus coming out of it or if it’s in an eye, it’s best to see a doctor.

    Plus if you notice hematomas occurring without any injury it’s best to get it checked by a doctor because it could be serious.

    If you are wondering if there are better treatments or alternative medicines the good news is that there are tons.

    One of my favorite things is coconut oil, which has millions of uses. In a study at the U.S. National Library of Medicine they took rats and split them into groups. Some received coconut oil and some did not. Wounds treated with coconut oil healed much faster.

    Another idea is bromalean which can help a lot. In a study by the third medical university at China researchers took 16 pigs and shot them with high velocity rifles. They divided them into groups and the group that received bromalean healed much more.

    The way it works is it increases the flow of blood and oxygen to the wound and reduces inflammation. Plus it activates growth factors, which are needed for healing.

    If that wasn’t enough it helps with burns. In Bursheba Israel they took pigs, burned a few and bromalean really improved the healing. It’s seems like they have something against pigs right? They are shooting them and burning them, poor pigs.

    If you really want to heal a hematoma or a skin injury believe it or not they even have a stem cell gun. It takes an hour and a half to isolate the cells and spray the skin. Then it only takes a few days for the treatment to work and the skin is brand new again.

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    Source by Kevin Whitsitt

    Views: 0

  • Health Is Wealth – A Conceptual Critique

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    People have different preferences towards available life options. Same is true for the statement “health is wealth”. What exactly is it? A simple preference that signifies health is superior to wealth? Or a comprehensive statement that indicates health and wealth are linked with each other, systematically and dynamically?

    Health is a comprehensive concept, it includes physical strength, mental power and spiritual-wellness of a person. On the other hand, wealth is the richness of a person i.e. abundance of money and worldly items. “Health is Wealth” is a simple statement but its meaning is so fabulous when deeply thought. People now a days refer the statement as when a person is healthy, he is capable of making wealth. On the contrary, if one is not healthy he/she cannot work productively, and hence won’t be able to generate income for independent living. This explanation is true but the deep meaning of this claim can be understood by the words of Virgil: “The greatest wealth is health.” Mr. Virgil is trying to enlighten the concept that the greatest wealth is health, not money or worldly items. There is nothing more valuable in our life than having a good health.

    Patrick Meagher said: “Some people are so poor, all they have is money.” Nowadays people are influenced by wealth improperly that they don’t even care about their health, the greatest wealth. They don’t understand that without health there is no real happiness and enviable success. A person with poor health is unable to enjoy the pleasures of life. I think such people are foolish enough because they do not care about their health. Our first priority should be to maintain our health in the best way.

    There are multiple methods and practices by which a person can stay healthy; Spending time in natural environment i.e. visiting parks and gardens. Physical exercise is also essential e.g. morning walks, playing sports, etc., it keeps a person smart and healthy. Water is the cure for all types of illness, so drink water to stay healthy and fit. Eating a balanced diet keeps people away from different illness and diseases. It is said that: “Early to bed and early to rise, makes a man healthy, wealthy and wise.” Abandon unhealthy practices and habits e.g. smoking, drinking and taking drugs because it harms internal parts of our body. Always be optimistic and cheerful because: “Laughter/smile is the best medicine.” On the contrary, an unhappy person is more prone to fatigue and other illness.

    Remember, living a healthy life can be the greatest gift you can give yourself because one cannot enjoy life if he/she is unhealthy. In addition, we must not harm our health by running madly behind wealth. I would like to conclude my essay on the nice words of Mae West: “You only live once, but if you do it right, once is enough.”

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    Source by Muhammad Ashhar

    Views: 0