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  • The Making of a Multi-Million Dollar Insurance Salesperson

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    Every sales person or sales agent fantasizes about becoming a millionaire. This is how one individual became a Multi Million Dollar Insurance Salesperson.

    Over half the insurance agents recruited earn less than $50,000 before making a quick exist. So how do you make a million dollars, an then more? Especially when your career involves selling insurance? For me it was not by working 70 hours a week. No “get rich quick” insurance trade magazine article or ad inspired me. I don’t ever recall working with millionaire clients. In fact, in my case it would take a ton of policies to equal a million dollars premium collected, let alone commission earned. I never even received one of the over 90 insurance designations currently available.

    My case involved putting together a formula, that you could easily (with effort) mix to achieve similar or superior results. For me the ingredients were composed of four components.

    WILLPOWER I need to convince myself that I could achieve the insurance production goals I was setting. To begin, I purchased a collection of books on positive thinking. In them they emphasize phrases like “I Can” and “I Will”. I repeated these key word phrases over and over in my conscious mind, and saw some definite steady improvement in my sales achievements. Good but not good enough.

    Suddenly I was introduced to self-hypnosis and my insurance career instantly changed. This was not some occult form of hocus-pocus but sheer enrichment that builds and builds. It start with a client from England who was a professional hypnotist. I was intrigued, and he agreed to teach me how the subconscious mind automatically overrides the conscious mind. He then graciously taught how to easily hypnotize myself anytime I wanting. I programmed myself for success, and success followed.

    SALES SKILLS The so called selling skills insurance companies showed me, never really improved. I quickly saw that repetition of a bad habit is dangerous to your career. Now that my income was rising, I added another piece of dynamite to reaching sales goals faster. If I could double my closing ratio, it was simple to see my income doubling.

    I invested in the Dale Carnegie course for sales people. During this course I learned the steps that must be covered properly if you are going to expect a sale. What I did not expect was the announcement that passing the course required covering all the points in a two minute or less presentation. This is when I re-emerged a trait, I was not using enough.

    DETERMINATION I set myself a goal that surpassed just passing the course. Although there were around 25 people taking the course, I was determined. Not only was I going to pass, but my presentation would be voted the best of my fellow 2 dozen professional sales people. Needless to say, it took willpower, sales skill, and determination galore. Winning, gave me a feeling of floating sky high. After this I felt I could sell snow to an Eskimo.

    NO FEAR I have to admit, when I started selling insurance I was full of fears. It took the first 3 ingredients and one more step to prove to myself that I now had no fear. I had to do what few before me financially succeeding in trying. That was to make sales, by breaking the established rules, and doing what “experts” considered would only be done by fools. I would exchange my briefcase for a folder and yellow pad. My suit and tie would be reserved for funerals, and my dress code would be neat, yet informal. Now I was prepped for my no fear test.

    Without setting a single appointment, I opted to just knock on a prospects door, and do a simple presentation. I also programmed myself to act casual, using a “well, maybe you can’t afford it” approach if I had a closing objection. I knew most prospects have their conscious minds ready to be told they can certainly afford it. Using the opposite effect would alter their conscious thinking process.

    Starting on a Monday morning and working no evenings I wanted to test my abilities to the max. I started out well self-hypnotized and with about 50 prospect cards, some of them “leads”. Remember now, we are talking over 30 years ago. Without appointments I saw 25 prospects and made 30 straight sales of all sizes. Not a single strikeout. With over $20,000 premium and much of it in annual cash payments, I decided to stop with $12,000 in commissions. I had accomplished and achieved my goals in just four days. Yes, with a rounded effective formula you can put on the brakes.

    MY FIRST MILLION was then made very easily. For me, I proved I could become a millionaire, by breaking all the rules. My average policy size was not gigantic but my closing ratio was incredible. I did not wear a suit or tie or carry a briefcase. My cars were snazzy new Camaros and Mustangs, and I quit wasting time struggling to make appointments.

    There is one danger in programming yourself to achieve a certain goal. Since you are bound to achieve it, before applying self-hypnosis, ask yourself if it is good for your mind and body to do whatever it takes.

    To become a multi million dollar insurance salesman, do the opposite of most salespeople are doing. Develop your own prospecting methods, presentation sills, and closing tricks. It becomes much easier making an insurance sale when in your mind you have already done it, and have the acquired sales skills to back it up.

    I did it my way. You can too.

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    Source by Donald Yerke

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  • Mindset: A Summary

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    Dr. Carol S. Dweck was challenged by her student to write a book on the results of years of their research study. Dr. Carol S. Dweck rose to the occasion and has written this book, “Mindset: The New Psychology of Success, and How we can Learn to Fulfill Our Potential” in the hope that it will help the ordinary human being understand that life is what you make it and not what was dealt to you at birth. She has written in simple language giving examples of ordinary real people like herself and her students, artists like Picasso, sportsmen like Michael Jordan, the basketball player and John McEnroe the tennis player, Marina Semyonova the great Russian dance instructor and CEOs of different companies to name a few. In the third paragraph of her introduction she writes, “… you’ll learn how a simple belief about yourself… guides a large part of your life… In fact it permeates every part of your life… ” Thus she draws the reader into the book, making the reader one of her real life examples as the reader finds himself or herself in these examples.

    Dr. Dweck introduces the two types of mindsets, the fixed mindset and the growth mindset in the first section of the book. She writes how she learned from ten year old kids that failure could be turned into a gift if you had the right mindset. By giving them hard puzzles to work on, the kids cultivated their intellectual skills through effort and did not give up. These kids became her role models in her pursuit of whether human qualities are things that can be cultivated or are things curved in stone. Each person has a unique genetic endowment but experience, training, and personal effort take them the rest of the way.

    Dr. Dweck’s twenty years of research has shown that the view you adopt for yourself profoundly affects the way you lead your life. She writes that, if you believe that your qualities and traits are curved in stone and cannot be changed then you have a fixed mindset. And if you believe that cherished qualities and traits can be developed and cultivated then you have a growth mindset.

    Fixed mindset people believe that an individual’s intelligence, quality and traits are a fixed quantity which cannot be increased. If they are doing well in school then they are smarter than the others who are not doing well. If they do well in sports then they have talent dealt them at birth. They spend time to prove that they are better in the qualities dealt to them just to prove they were dealt a healthy dose and that they are not deficient. If something doesn’t work for fixed mindset people they always blame it on something else.

    Growth mindset people work hard to do better always. They do not sit back and see their accomplishments as the final goal. In their minds there is always room for improvement. They have no time to sit and see themselves as the best or better than others. They have no time to sit and think that they have a special talent. They are busy thinking of how they can make it better and what changes they can make if something expected did not go right. To them if something doesn’t go right it’s not failure it is a challenge to find out ways to make it happen.

    In the second section of the book, Dr.Dweck, takes us through her research journey of fixed mindset and a journey of growth mindset through several sets of eyes. Showing how these two mindsets make or break people in their daily lives. In individual sports she gives an example of John McEnroe fixed mindset in tennis. He was a brilliant player who believed on talent not effort and working hard. When he didn’t win he blamed it on something else. Like when he blamed the system for not liking the game any more. He would not take responsibility. Micheal Jordan on the other hand has a growth mindset. If he missed a goal he would go and practice for several hours trying to figure out why he missed it In team sport the author gives an example of Couch John Wooden who was tactically and strategically average but went on to win ten national championships. Coach Wooden a growth mindset, tells us he was good at getting players to fill roles as part of a team. He cared about the feelings of the players. Fixed mindset like Coach Bobby Knight picked players for talent. He was an excellent coach but used the dictator approach to win. The winning were short lived and broke individuals’ characters in the process.

    In corporate companies the author uses General Electric CEO, Jack Welch, as the fixed mindset who managed to humble himself to a growth mindset and as he grew in his mindset the company grew at the same time. Lee Iacocca whose fixed mind set is good to bring the company up to the top in a hurry but then you need to get rid of him before he breaks it. Ford motor company did just that and Lee Iacocca was not happy. Fixed mindsets leaders are more concerned with being heroes and put their ego before the welfare of the company. The author gives example of Enron as a company that broke in the hands fixed mindset high echelon smart people. Enron employed smart people with talent and paid the maximum price of closing the company. Enron is a good example of groupthink where executives get carried away with their brilliance and superiority and make catastrophic decisions.

    In love, these two mindsets can make or break a relationship. In her research, Dr. Dweck, found out that fixed mindsets feel judged and labeled by rejection in a break up. They also chose revenge as a means to get at the person who hurt them. Growth mindsets chose to forgive, learn from it and move on. The author gives Hilary Clinton as an example who forgave her husband and went to canceling in order to save her relationship. Time and effort is needed to cultivate the emotional skills that are needed to keep a relationship.

    Dr. Dweck, ends this third section with the influence that parents’, teachers’ and coaches’ mindsets have on children that are under their care. In her research she found out that children interpret the caregivers words of support and encouragement in a fixed mindset approach. This sets them up for failure. For example, “… You learned that so quickly! You are so smart… ” is interpreted as “… If I don’t learn something quickly, I’m not smart… ” She explains that parents, teachers and coaches should refrain from giving praise that judges their intelligence or talent but praise them for the work that they put in. She goes on to say parents, teachers, and coaches need to give equal time and attention to the children regardless of their initial skills. The children will in turn give all and blossom. The author points out, “… As parents, teachers, and coaches we are entrusted with peoples’ lives. They are our responsibility and our legacy… “

    In the fourth section of the book, Dr. Dweck, embarks on the most gratifying part of her work, watching people change. People are not conscious or aware of their beliefs. Dr Aaron Beck, a psychiatrist, discovered that he could teach them how to work with and change these beliefs. And cognitive therapy, one of the most effective therapies ever developed, was born. Dr Dweck, used workshops to probe the way people of fixed mindsets dealt with information they were receiving. She found that they put a strong evaluation on each piece of information. Something good led to a very strong positive label and something bad led to a very strong negative label. People with growth mindset are also constantly monitoring what’s going on, but their internal monologue is not about judging themselves or others. They are sensitive to positive and negative information, but they are attuned to it’s implications for learning and constructive action. Dr. Dweck also had workshop for students. The workshops require a large staff to deliver the material. So the workshop material was put on interactive computer modules. The teachers guide their classes through the modules, and called it Braintology. These mindset workshops put students in charge of their brain.

    It is interesting to note how a simple characteristic like a mindset affects decision making in a wide spectrum of the population. A student in kindergarten, a CEO in billion dollar company, a surgeon at work in a hospital, a sportsman at practice and on the court, a chef at a high end hotel, selection of dance students and a sport team. College students drop classes or drop out of school due to having a fixed mindset. A growth mindset helps you learn to deal with anger, and deal with stereotypes in racial and gender discrimination. It’s quite fascinating.

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    Source by Nancy Maina

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  • What Not to Do to Cure Hemorrhoids

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    Are you causing your hemorrhoids to get worse? We always here what to do to take care of the problems associated with hemorrhoids, but do you know what not to do to Cure Hemorrhoids?

    Let’s face it, there’s not many things that are more embarrassing than hemorrhoids, and there’s probably not many things you wouldn’t try to get rid of them quickly.

    Lets look at some things that you could be doing that is causing your problem to get worse instead of better.

    Drinking coffee – It is agreed by a general medical census that caffeine intake during a problem with hemorrhoids doesn’t help. And the reason for this is caffeine stimulates the digestive tract. an increase in bowel movements during a flare up of hemorrhoids is not what we need.

    Smoking cigarettes – tobacco contains nicotine, and nicotine like caffeine stimulates the digestive tract. Smoking can also contribute to digestive issues that will slow the healing process of hemorrhoids.

    Sedimentary lifestyle – Our body’s need to be active. It is important that we get proper blood flow to all parts of our bodies, exercising at least twenty minutes per day is important for all ages.

    Stress – Being uptight and having tension in the body will contribute to the problems of hemorrhoids. Find ways to unwind and get involved in relaxing activities to reduce stress.

    Prevention is a lot easier than treatment, there are some simple things that you can do to keep yourself from ever suffering from hemorrhoids in the first place.

    – Eat a diet that is rich in fiber, this will keep your bowel movements regular and reduce constipation.

    – Drink the required amount of water for your body weight, this will keep our bodies well hydrated and less susceptible to the problems of hemorrhoids.

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    Source by Michael Varnado

    Views: 0

  • How to Lose 60 Pounds in 2 Months

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    Is it possible to lose 60 pounds in 2 months? Yes, it is, and many people have done this before. You can do this as well if you do the right way.

    Is it safe to lose 60 pounds in 2 months? Well, it depends as everybody is unique. It may be safe for others, but it doesn’t mean it is safe for you.

    So what’s wrong with dropping 60 pounds in 2 months? There is nothing wrong with losing weight quickly, as long as it’s done the right way. You know that in theory, one could drop as much as 20 pounds a week following a very ambitious eating and exercise plan, devoting more than seven hours per week to rigorous exercise, and under a physician’s care.

    You would need to lose only 7-8 pounds a week to reach your goal, which is far less than 20 pounds a week. I think there’s nothing wrong losing 60 pounds in 2 months if you don’t have any health issues. Do consult your doctor first before you go for it to be sure it’s safe for you as I already mentioned, everyone is different. What is safe for others may not be safe for you.

    The very important key to lose 60 pounds in 2 months is to plan your diet and exercise very well. You need a proper plan to stick with. The plan must fit your daily lifestyle, the one that you are able to follow, not just quit after a week or less.

    The first thing you need to do is to find out why you can’t lose weight.

    1. Can you reduce high calorie foods and drinks?

    2. Do you feel stressed when you don’t have your favorite foods?

    3. Is exercise killing you?

    4. Are you too tired to exercise because you’re obese?

    5. Are you bored with following the diet program?

    6. Do you think you have tried many weight loss programs but they don’t seem to work for you?

    The list goes on and on. As you may already know that the basic rule of losing weight is to eat less but to maintain a healthy diet and exercise more. It sounds very simple to say but it isn’t in practice. You could overcome this issue by gradually changing your lifestyle. I understand that it takes time and you may not lose 60 pounds as fast as you want. That’s why you need to find out the right plan for yourself by trying out many weight loss programs and see what works best for you. Most people who successfully lost weight may have had many failures but it didn’t stop them from trying. You need to keep your motivation high in term of weight loss. Think positive and you’ve already won half the battle.

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    Source by Susan Boyce

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  • What Is The Best Style Of Writing For Online Content?

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    If your website has poor online content it has little or no value to your audience. Online content can be read, watched, listened to and shared. It can be a written article (like the one you're reading now), a blog post, a report, an eBook, an online tutorial, a video or an audio file.

    But one of the most challenging tasks that most website owners face is writing or producing online content that their audience will find useful and engaging. Here a 5 tips to help you create online content that your audience will love.

    1. Understand The Difference Between Offline And Online

    Content that is published in the offline world, like in newspapers and magazines, is different to the content published on most websites. Content in newspapers and magazines generally appeal to a broad audience. Whereas your website content will be quite specific to your audience. You still need good grammar and spelling in your online content but many other traditional rules of writing are broken online.

    2. Small Paragraphs

    When people read online they want short paragraphs of text that can be quickly scanned. Your website visitors don't want to be overwhelmed with large blocks of text. Short paragraphs of text make it easier for your reader to focus on what you have written, and skip from section to section.

    3. Bullet Points And Subheadings

    When you use bullet points and subheadings it also make your content easy to read on a screen. Subheadings provide your reader a basic idea of ​​what the content is about, which can help keep people attention for longer. Bullet points are brief and concise, delivering important information in a simple style.

    4. Use Images And Photos

    People expect to have images included with online content. They make your website look better, articles easier to scan and enhance to your brand. Personal photographs are great for a personal blog and you can also find lots of free pictures, images and photos on numerous stock photo websites.

    5. Overall Tone

    Web content can be more conversational. Keep your writing tone light, casual and interesting if you are writing informal content. Of course, if you're writing for a technical website you will have to use the proper descriptions and appropriate language structure. Having said that, in many instances, an informal tone shows off your individuality and is a great way to connect with your online audience.

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    Source by Jon Allo

    Views: 0

  • Mindset = Being Organized

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    I think we can all agree that we hate clutter. We hate it so much we pretend it doesn’t exist. Sometimes we even hide ourselves from the world because we’re afraid of what others may think about us because of it. Being unorganized or having a home full of clutter, which we hate to admit, is thankfully something we can overcome. From experience, all it takes is patience, vulnerability and an open mind to achieve what we want in our homes and in our lives.

    Today I’m going to give you 5 simple and modern-day tips on how to change your mindset so you can become more organized.

    TIP #1: Start small

    For some reason our brains are wired to believe that we MUST complete an entire project at once. Have you ever wondered why none of your tasks or projects ever gets done on time? I bet one of the reasons may be because the project you took on was way to BIG to complete and because you were so overwhelmed, you failed to finish. Not anymore! By starting small, whether it is organizing your pen cup to completing a major project, you will avoid the stress of fulfilling that task and find yourself finishing quickly and punctually.

    TIP #2: Listen to organizing podcasts

    One of the best things you can do in the morning or as you’re driving is to stimulate your mind by listening to things that arouse your mental and physical growth. I’ve noticed in my own life and others around me that doing so has made a world of positive change in our lives. Organizing podcasts like Organize 365 or A Slob Comes Clean are 2 podcasts that have kept me motivated in times when I was lacking. One of the secrets to truly changing your lifestyle is to change our mentality and by incorporating these simple methods in your life, you will get there in no time.

    TIP #3: Create a Checklist

    This may sound cliché but to-do lists really do work – of course only if you use them. As I mentioned above, clutter is a bi%#* and in order to combat it, you will have to tackle it head on in small intervals. Here are 2 examples how checklists can be effective in helping you stay organized. 1) By using a checklist to plan out the tasks you need to accomplish at home after work, will prevent you from being overwhelmed after a stressful day 2) An effective checklist will only have your priority tasks therefore you will know exactly what needs to be done to maintain order. Checklist, lists, to-do list, plans, whatever you want to call them is a habit that needs to be implemented in your life so getting organized and staying organized can become second nature.

    TIP #4: Keep things you Truly Love

    Here are a few common responses I’ve heard when it comes to this topic:

    I love everything in my home and there’s no way I can get rid of anything! All of my stuff has a meaning behind them! Here’s a better one. I’ve spent so much money and I haven’t even worn it yet! – But it’s been 2 years…

    These are just a few examples of statements my clients have said to me when I’d suggest they should only keep things in their home they truly loved. Let me explain what this really means. Lets start with an example. We love our family (our immediate family) and though we may have favorites (wink) we love them so unconditionally that we couldn’t live a day without them. This is the type of feeling I believe you should have for the items in your home. You love your pen so much; the mere thought of it not being in your possession is utter mayhem. If you don’t have this feeling towards the items in your home then it’s probably time to part ways with it. I’d be happy to witness the department!

    TIP #5: Make it a Habit

    New studies show it takes 2-8 months to form a new habit. I know that seems like an abnormal amount of time – at least to getting organized but this is actually great news. Creating new habits shouldn’t be viewed as one and done rather as a process that will create a better outcome. Committing to an organizing system and practicing it thoroughly, though you may have hiccups, will create a positive mind and improve your organizing skills.

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    Source by Judi Igwe

    Views: 0

  • My Husband Wanted The Separation, But Now He’s Constantly Trying To Keep Tabs On Me

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    I sometimes hear from wives who are very confused about their husband’s conflicting behavior during a martial separation. Often, he is the one who initiated the separation and it seems as if he almost can’t wait to leave. But as soon as the couple are living apart, suddenly the husband wants to keep tabs on the wife or seems particularly interested in her day to day activities.

    I heard from a wife who said: “my husband has been wanting to separate for a while. I tried my best to talk him out of it, but after listening to him insist upon it for months, I finally gave in and agreed to go and live with my sister for a little while. Since he was so anxious to get rid of me, I really didn’t expect to hear from him, although I knew that I would miss him terribly. I’ve been gone only two days, but now he is constantly calling me and wanting to know what I’m doing. I will answer the phone and the first thing he says to me is ‘what are you doing’ in an almost accusatory way. The truth is, I’m not doing anything and I tell him so. Why does he even ask? He couldn’t get rid of me quickly enough and now it’s like he wants to keep checking on me. What is going on?” I’ll try to answer these questions in the following article.

    He May Just Be Missing You: Men often envision having all kinds of peace and quiet so that they can think. But, sometimes this just isn’t the reality. Sometimes all that silence brings about is loneliness. And then he can start to wonder if this was such a good idea after all. And he looks around and notices that everything around him reminds him of you. Now, it might make things easier if he would just tell you all of this, but many men will not. Instead, they’ll call you and do annoying things like asking what, or how, you are doing.

    He Might Be Feeling Insecure: It’s very common for separated spouses to admit that they at least partly suspect that their spouse might eventually see other people during the separation. Your spouse might be acting on this suspicion or just looking for reassurance, which leads me to my next point.

    He’s Trying To Determine Your Frame Of Mind: It’s common for the spouse who initiated the separation to have a strong suspicions that you are going to be resentful and angry. Therefore, he might want to keep in close touch to gauge your feelings. He may want to see if your resentment is going to drive you away. And he may be feeling some remorse for his actions.

    Taking Some Positive Implications From These Annoying Questions: I know that this is probably very frustrating. But there is some positive indications here. If he didn’t care at all, he wouldn’t be calling. If he wasn’t thinking about you at all and was living it up and celebrating his freedom, he wouldn’t be calling either. And since this wife didn’t want the separation in the first place and wanted to save her marriage, this was hopefully good news to her.

    How To Respond When He Keeps Calling And Asking What You’re Doing: First, you have to decide what you really want to happen. And ultimately, this wife wanted her husband to come home. I know that it’s tempting to say something like ‘well what do you think I’m doing? I’m sitting here staring at my sister and living in a strange place because you made me leave my own home for your silly separation,’ but this is a bad idea. Because you don’t want to discourage him from reaching out to you. Instead, you want to make him want to check in and initiate contact with you. So, as difficult as it may be, try to sound as upbeat as possible. Trying to make him feel guilty is the wrong call too, because it brings about pain and makes him want to avoid you. With that said, you don’t want to make it sound as if you are sitting by the phone waiting for his call. You want for him to know that you have too much self respect for that.

    An appropriate response might be something like: “not much. I’m just spending some time with my sister. We’ll probably go out and grab some dinner in a little while. What are you doing?”

    Notice I was light hearted and I turned the question back to him. And I alluded to the fact that no one was sitting around waiting. By asking what he was doing, you’re leaving it open ended for him to share his feelings. He might say that he’s not doing anything because he’s lonely. Or he might say that what he’s really doing is missing you. The point is to not engage with him and don’t ask him why he keeps calling you with his silly questions. Try to stay positive because this really is a good sign. It means he is interested and that he is reaching out. And not all separated spouses fall into this category. Some husbands rarely call their wives at all, let alone care about their experiences or feelings.

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    Source by Leslie Cane

    Views: 0

  • How to Quickly and Confidently Spot a Fake 1893-S Morgan Silver Dollar

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    1893-S Morgan silver dollars are so renowned, that more exist today than were originally minted. Most Counterfeit 1893-S Morgans consist of altered versions of existing genuine Morgan dollars.

    The majority of 1893-S Morgan silver dollars are certified, so why would I need to know how to tell a fake one when I see it? Hasn’t NGC and PCGS already done that for me?

    I’ve seen fake 1893-S Morgans both graded and raw. I have to assume PCGS and NGC graders both know how to spot a fake 1893-S Morgan, so when I see an example of a counterfeit slabbed in a legitimate looking holder, I have to figure the holder is as fake as the coin.

    I also run across fake coin denial. Owners of these coins don’t want to admit they were fooled into buying a counterfeit coin. That’s a hard pill to swallow, especially when the owner paid top dollar for a graded coin with the confidence of it being blessed from a major third party grader.

    The 1893-S date/mintmark is the most valuable of the Morgan designed dollars. Because of this, most counterfeit versions have been made by altering either the date, or the mintmark.

    Learning to tell a fake 1893-S Morgan is simple, because ALL 100,000 coins were made from the same obverse die and two reverse dies. That makes the diagnostic really easy.

    They all have the same obverse characteristics and not terribly different reverse characteristics. Any coin that doesn’t possess the telltale diagnostic characteristics is a fake. Learn what to look for, and you can spot a fake raw coin AND a fake graded coin.

    The date is probably the easiest thing to pick out. Unlike other dies from the S, O, or P mints, the date has a flaw and a certain characteristic the altered coins won’t possess.

    First, look closely at the 1. Does it line up exactly with the dentil directly under it? Can you draw a line right through the center of both?

    Next, study the last numeral. As the date progresses, it slopes upward to the right, in relation to the edge. The 3 is noticeably higher than the 1 at the beginning. This is the easiest way to quickly spot a fake.

    There are things to check in the “T” and “R” on LIBERTY, but they would need a microscope to detect. There’s a tiny die scratch in the “T” and a detail that resembles “rabbit ears” in the base of the “R”. ALL genuine 1893-S Morgans have this detail, if you happen to have a microscope check out this diagnostic detail.

    You don’t really need to turn the coin over to make any more diagnostics on it.

    Further diagnostics will only tell you how the alteration was made. The genuine “S” mintmark is clear and rounded. It isn’t a mushy blob. The top serif on the “S” is a vertical line, while the bottom serif is more like a triangle.

    The next mintmark giveaway is the alignment of the “S”. It should be perfectly aligned. I’ve seen the “S” mintmark noticeably slanted, and it shouldn’t be. Also, the “S” is slightly filled in between the upper curve and the slant of the “S” as well as the lower curve and the slant.

    Since most counterfeit 1893-S dollars are altered, continue to study the coin with a 10X glass. Rotate the coin and look for tooling marks around the 9 or 3 for signs of a date alteration on the obverse. Altered coins are usually the 1898-S, 1883-S, or 1893-P.

    As collector values continue to increase with the 1893-S, the fakes will get even better. With emerging technologies, counterfeits will become almost perfect replicas of the original. My hope is that as technologies to accurately copy a coin advance, technologies to detect such copies will also keep up.

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    Source by Paul St. Julien

    Views: 0

  • How To Calculate Sales Tax In Your Head

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    If you ever have a basket full of shopping goods and want to get a rough idea of the sales tax you’ll be paying, here’s a guide for how to quickly and accurately estimate your tax bill.

    This depends on the state you are in – some states have rates as low as 0% (no sales tax), all the way up to nearly 10%. You can determine your state’s rate by checking a receipt on a recent purchase. The total sales tax will be displayed and usually falls between 5 and 9%.

    (1) Round your purchase to the nearest ten. If your purchase total is $476.99, round it to $480.

    (2) Know your state tax rate, and round it to the nearest whole number. This can be as low as 5%, or as high as 9%.

    (3) Follow these tricks for estimating your tax and total:

    5%:

    (a) Divide your purchase total by 10, ie: delete the last zero in the total. So $480 becomes $48.

    (b) Now divide by 2. So $48 becomes $24, your approximate sales tax.

    6%:

    Follow the steps for the 5% tax. Now, divide your original amount by 100 (shift the decimal place over by two), so $480 becomes $4.80, or about $5.

    Now add this amount to the 5% sales tax: $24+$5=$29.

    7%:

    Same as 6%, but add the total divided by 100 two times. So $24+$5+$5=$34.

    9%: Divide your total by 10, so $48. Now divide this by 10 again, and subtract: $4.8, or about $5, so $48-$5=$43.

    8%: Follow the same steps as for the 9% sales tax, but subtract twice: $48-$5-$5=$38.

    If you follow these steps, you’ll be able to quickly estimate the tax on any item you’re purchasing.

    Here is another common mental math question: how can you quickly estimate, in your head, a fair tip for your waiter or waitress?

    Most advice says we should give 15-20% tip. Here’s how to quickly estimate the top you give to a server.

    Let’s say your restaurant bill is $53.

    (1) Divide this by 10: $5.30

    (2) Multiply this by 2: $10.60, or about $11.00.

    (3) The halfway point between these 2 is the 15% tip, so in this case, about $8.00.

    (4) The amount in (2) is a more generous 20% tip.

    Pick an amount between (2) and (3) if your service was extra good.

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    Source by Scott A McKinney

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  • Aromatherapy – Nature’s Fragrant Medicine

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    We all know how fragrances make us feel. Some aromas make us euphoric, others have a more soothing effect, and specific familiar smells can transport us back in time and bring on feelings of nostalgia. The psychological and emotional effects of fragrance and the extreme importance of our sense of smell are obvious. But, did you know these same fragrances can also be used to heal your body and create well-being in your life? Aromatherapy is a well-known technique amongst healers from all parts of the world and all civilizations.

    What do they know that you don’t?

    As with Color Therapy, Sound Healing, Crystal Healing, and Energy Therapy, the aim of Aromatherapy, within the scope of healing, is to activate the senses of the body. The goal is to eliminate the conditioned, logical, and analytical mind, thus activating the wonderful reality of “feeling” and experiencing life in it most empirical and purest form. It is in this empirical state, that we are able to break the illusions of separation and connect on a deeper level with the energies that surround us. Dr. Richard Gerber MD, author of Vibrational Medicine, tells us that one of the best ways we can change dysfunctional patterns in our energy bodies is to administer therapeutic doses of frequency-specific energy. We do this by using herbs, crystals, sound, and energy also called vibrational medicines.

    It is common knowledge and practice, that scent can affect physical and psychological changes in living beings. We experience it regularly in our daily lives. When we smell a fragrance, it triggers an immediate emotion or feeling, that makes us happy, excited, calm or even nostalgic. Aromatherapy, practiced throughout thousands of years, dating back to the ancient Egyptians and the Vedic culture of India, where plant extracts and medicinal plants are still widely used.

    The term Aromatherapy was coined in 1937, by a French perfumer and chemist by the name of Rene-Maurice Gatterfosee. Aromatherapy is the holistic science of utilizing naturally extracted essences from plants to balance, harmonize and promote the health of body, mind, and spirit. Through the knowledgeable and controlled use of essential oils, we are able to achieve physical, emotional health, and overall well-being. As with other holistic practices, Aromatherapy is always used to treat the “whole” person and not just the symptom or the disease.The application of essential oils is historically mentioned countless times and throughout diverse civilizations (Egyptians, Greeks, Romans etc.) for a variety of health-related applications. Today, there are thousands of studies on essential oils. We know that their effectiveness is accurately merited by their composition of very small molecules, that are able to penetrate deeply and quickly into our cells (Transdermal delivery).

    The sense of smell is the most neglected of all the senses in humans. This is surprising when we consider that seventy to seventy-five percent of what we perceive as taste, actually comes from our sense of smell. The neurons that sense the odor molecules, lie deep within the nasal cavity, in a patch of cells called the olfactory epithelium. To understand how odor is humanly perceived, it is important to know why the limbic system allows us to behave differently when experiencing different odors. The Limbic system is a complex system of nerves and networks in the brain, involving several areas near the edge of the cortex, related to our instinct and mood. It also controls our most basic emotions (fear, pleasure, anger) and drives (hunger, sex, dominance, care of offspring). A very important aspect of smell is that olfactory neurons make up the only sensory pathway, that is in direct contact with the brain. Because of the close connection to the limbic center, feelings and emotions can naturally be regulated, as well as memory.

    The application and uses of Aromatherapy in healing, obey the same Universal Law that everything vibrates at different and specific frequencies. Every atom in the universe has a specific vibratory or periodic motion. Most plants (and animals,) use enzymes to break down molecular components during their life processes. And, each of these enzymes has a unique crystalline form with a specific vibratory frequency. The vibrational frequency of an oil reflects the innate integrity of these elements and the intrinsic enzymes embodied within its substance.

    The process of using Aromatherapy in healing treatments is to apply plant-derived oils with the correct matching frequency. Therefore, allowing the physical body to absorb these energetic vibrations and bring the body back to a state of well-being and equilibrium. Essential oils do not resonate with the toxins in our bodies; neither, do they resonate with negative emotions. This incompatibility is what naturally helps remove toxins and toxic energy from our systems. Aromatherapy, energetically speaking, can help dislodge forgotten traumas by surfacing them in our consciousness. For, it is in a state of consciousness that we can face, deal with them, and let them go. The therapeutic properties of this method, create exceptional vibrational remedies, capable of healing or rebalancing the body/mind/soul/spirit. Essential oils can regularly be used in body oils for massage, facial/body lotions and oils, baths, inhalation, diffusion, and on the energy points on your body.

    It is fairly simple to integrate Aromatherapy into your daily life. You do not need to be a master of plants and herbs. Choose a few. Learn about their energetic properties. Smell each oil. How do they make you feel? Once you have narrowed down your list and hand chosen your favorites, here are some DIY ideas:

    • Place a few drops on a tissue and place it in the air vents in your car. Enjoy Aromatherapy anywhere you go. No need to schedule extra time to enjoy the benefits of essential oils.
    • You can mix your favorite oils with coconut or jojoba oil (my favorites) and use them instead of your regular perfume.
    • Mix your essential oil in distilled water. Then, using a spray bottle, spray it as an air freshener around the house. You can also spray it on your favorite pillows and throws.

    Be Creative! You Are Unique!

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    Source by Susan Vilanova

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