Tag: Spend

  • The Healing Synergy of Talk and Touch

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    • Touch allows you to get to the heart of the matter.
    • Talk allows you to understand its meaning.
    • Combining empathic talk with gentle, healing touch is transformational.

    The Rubenfeld Synergy Method (RSM) was developed in the 1970’s by its founder, Ilana Rubenfeld. She began her career as a conductor and gradually began having intense pain in her back and shoulders. This led her on a journey toward personal exploration and self-healing. At that time, she received Alexander Technique sessions which were focused on helping her to re-align her posture and movement. But as she received this gentle touch, her emotions would bubble to the surface and the Alexander Teacher was not trained in how to help her. So she traveled across town in New York City to spend time with a Gestalt Therapist. But in the therapy sessions her emotions were not as easily stirred up. That is what prompted her to begin combining that gentle touch with talk in an effort to integrate the two systems in her body. The result was more than the two separate entities, thus the term “synergy.”

    Rubenfeld Synergists are men and women who arrived at the same realization or “aha” moment in their careers and their lives. They saw Ilana Rubenfeld or another “Synergist” perform the “magic” that occurs during a session. They saw, with their own eyes, the transformation of the client’s experience when receiving this type of listening touch and intentional dialogue. That “aha” moment has brought bodyworkers (massage therapists, chiropractors, Reiki practitioners, nurses, and other practitioners who use touch in their work), psychotherapists (psychologist, social workers, marriage and family therapists, mental health counselors and even psychiatrists who have only used talk when working with clients), housewives, businessmen, attorneys, medical professionals, artists, musicians and others into the healing experience of becoming a certified Rubenfeld Synergist.

    Where can you find a qualified practitioner of this unusual and powerful work? Here are the locations of currently certified synergists and the locations just keep expanding and this work reaches out to hungry clients and curious therapists.

    Certified Synergists In the U.S.

    • Washington
    • Oregon
    • California
    • Arizona
    • Montana
    • Wyoming
    • Colorado
    • New Mexico
    • Minnesota
    • Tennessee
    • Indiana
    • Michigan
    • Ohio
    • Florida
    • Georgia
    • South Carolina
    • North Carolina
    • Virginia
    • West Virginia
    • Washington DC
    • Pennsylvania
    • New York
    • Maryland
    • Delaware
    • New Jersey
    • Connecticut
    • Massachusetts
    • Vermont

    Certified Synergists in Canada

    • British Columbia
    • Alberta
    • Ontario, CA

    Certified Synergists in Europe

    • Wales
    • England
    • Ireland
    • Scotland

    Trainees in Taiwan

    If you are seeking a way to heal your body and your emotional upsets without medication, RSM is a pathway to explore. If you want to help your clients heal from both physical and emotional pain, you can begin to learn this powerful method in just 7 months. Check out the Rubenfeld Synergy Web Site to find a practitioner in your location and check out the Rubenfeld Training Institute Web Site to learn about the upcoming trainings.

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    Source by Erica Goodstone, Ph.D.

    Views: 0

  • Holly Mann Honest Riches Review – Is This a Scam?

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    Honest Riches was written by Holly Mann, a mother and disabled veteran. She started internet marketing to supplement her income. After several requests she decided to write the Honest Riches ebook. This book teaches you how to successfully start an online affiliate business with little start up money. Several of the strategies mentioned are free. When Honest Riches was updated, Holly added more information and changed the name from Breakthrough Money Making Secrets Revealed.

    Here is a break down of what you will receive with Holly Mann Honest Riches:

    Chapter 1:

    This chapter is primarily for beginners. It explains how to pick a topic that will yield the fastest results and greatest chance of success by selecting a sub topic (niche). For example, if you are interested in cars, you might want to choose a niche on custom auto wheels.

    The next topic is how to obtain information for free. Holly provides links to several free websites to improve your site’s ranking. Search engine optimization basics and domain name selection are explained. I wish that I would have read this book before picking my domain name. Your domain name is very important. Most people don’t give it enough thought.

    Holly explains how to get inbound links by submitting articles. She gives you the actual links to the best sites. This is very helpful and will increase your search engine optimization. Keyword selection is the next topic. Holly provides links for several tools to help make setting up your website easier. Some are free.

    She provides enough information to help the beginner get started on a budget. This chapter also explains how to see what your competitors are doing. The next section is about setting up a partnership if money is tight. A sample contract is attached.

    Chapter 2:

    This is a relatively short chapter on how to find content that will drive more people to your website for free. Links are provided to search for free content.

    Chapter 3:

    This chapter explains how to get a free website up in minutes. Holly explains how to set up your own free blog. She than provides some ideas on how to make money with blogs and how to improve your ranking. You don’t have to spend any money to get ranked on Google and other search engines. A free tool is provided to update your blog.

    Chapter 4:

    This chapter is about advertising your website. Links to free online advertising directories are provided. AdWords advertising is also briefly mentioned.

    Chapter 5:

    This chapter explains how to get free site traffic from Forums. This technique is completely free and has worked very well for Holly. She also explains how to start your own group or forum. Paid advertising is also mentioned here.

    Chapter 6:

    This chapter lists the top paying affiliate programs to sign up with. This is completely free. Holly provides information about each affiliate program. She also mentions a few of the highest paying affiliates to promote.

    Chapter 7:

    This chapter is about drop shipping and Wholesalers. A list of 6 droppshippers is provided.

    Holly also provides a nice bonus tip for eBayers at the end.

    Holly Mann’s Honest Riches teaches you how to successfully make money online with very little start up money. Holly gives you several methods that are totally free. This ebook is also very easy to understand. Everything is explained well.

    Because I am always looking for free or very low cost advertising, I have used some of the techniques in Holly Mann Honest Riches, and they have worked very well for me. This is one of the best books to get you started if you are on tight budget. Holly has also added a free website and forum for anyone that purchases Honest Riches.

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    Source by William Miller

    Views: 0

  • If You Want to Be Rich You Don’t Need Good Grades

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    Did you parents ever give you the advice that in order to become wealthy they need to study hard, get good grades so they can get a good job? I know I have heard this advice on many occasions from my parents. But the fact is that getting good grades no longer ensures that you will become wealthy. Even many doctors, who are often the ones with the best grades, are now struggling to earn a lot of money. If you want to get rich, without needing good grades, then read on.

    Something that they don’t teach you in school is that you banker never asks for your report card. If you go to your bank and ask for a loan, either for a business, property or some other investment, then your banker is not going to ask for your school report card. Your school report card has very little relevance on whether or not you will become rich. There are many highly educated people who are poor and struggling for money. There are also some very uneducated people who a millionaires and billionaires.

    Schools are developed to train people to look for a job, but this alone will not make you rich. Often it is the educated people with the highest paying jobs that have the most debt and are in the worst spot financially. You don’t need good grades in school to become rich, but you do need a good financial education. A lot of people leave school without the slightest financial education. Many leave deeply in debt from school fees and they spend their entire lives trying to get out of debt.

    Some very simple financial education can save you a lot of time and trouble and can make you rich a lot quicker. In fact someone with a lot of financial education, but not a lot of school smarts, is much more likely to become rich than someone with school smarts but now financial education.

    In school you are more intelligent if you can make finer distinctions. Let me give you an example. If you can distinguish a car from a truck then you have some intelligence. However, if you can distinguish a 1987 Ford Laser from a 1990 Ford Laser then that is a greater distinction. You are able to understand things in finer detail and are therefore more intelligent. In school you will also be taught that there is often more than one meaning to a word. For example, the word pound means many different things. It can mean money, in the form of English currency, it can refer to weight, it can refer to a lost dogs home or it can mean to hit with a force. The one word has multiple meanings.

    In finance, some words have different meanings. Only in finance one meaning will make you poor, and another meaning will make you rich. Neither meaning is right or wrong, just different, but they have very different outcomes.

    One of the most important words you will ever understand in finance is the term asset. Now your banker will tell you an asset is anything you own that is of monetary value. This includes you old golf clubs, your suits and your car. This is one correct meaning of the word asset, but it will make you poor. A better understanding of the word asset is something that generates you an income whether you work or not. To put it simply, if you stop working today an asset will continue to put money into your pocket. A liability is something that takes money out of your pocket whether you work or not.

    A lot of people are poor because they spend their time buying assets that are liabilities. They buy things of monetary value that cost them money to own. A car costs money to own every month. So although, according to the bank’s definition of an asset, they are acquiring an asset, they are becoming poorer. Rich people focus on spending their time and money to acquire assets that generate them income. It is these assets that make them rich, and it is the ability to define the difference between an asset and a liability that makes them financially intelligent.

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    Source by Ryan Mclean

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  • Department Administrator Interference in the Doctor-Patient Relationship

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    I contacted a resident doctor in Internal Medicine at a teaching hospital and asked if he would be interested in becoming my primary care physician (PCP). My note briefly described my background in health outcomes research and two of my prescription drugs. He wrote back that he would be honored to be my PCP, and came across as professional, humble, and sincere. A new doctor-patient relationship was formed, and I contacted my existing doctor’s office to arrange for my medical records to be transferred, which immediately informed that office that I must be dissatisfied and going to a new doctor. I also shared with the resident doctor confidential information from my medical records and a copy of one of my professional presentations at a health care conference.

    A department administrator then contacted me to say the resident doctors are not available every day of the week for clinic and are not even here when they do their ICU rotation. Also, the Internal Medicine department protocol would not allow the resident doctor to write me a drug prescription for off label use. Finally, she was concerned that in the past I have ordered and correctly interpreted my own blood tests. The administrator’s attitude reflects one of the chief complaints Americans have with the health care system: the system is coming at them and requiring them to get health services in some predefined structure to which the facility is accustomed but which eliminate any potential for individualized treatment according to individual patients’ needs.

    Apparently the administrator did not spend enough “careful consideration” to get her facts straight. I do not need to see my PCP daily or even monthly. My track record shows I saw my existing doctor once in a calendar year, and the prior doctor before him I saw once in a 15-month period. So the administrator based her decision on her own ignorance of the facts.

    She also misstated facts concerning off-label prescriptions for drugs by resident doctors. One of the drugs we are talking about is Clomiphene. Both a resident doctor and an attending faculty physician at the teaching hospital advised me that they would be willing to write me (off-label) prescriptions for this drug, and the attending physician did indeed phone in a prescription for one of the drugs at my request. Similarly, the Dept. of Obstetrics and Gynecology (OB-GYN) advised me that their doctors, both resident and attending, have prescribed Clomiphene to patients. Therefore, residents in Family Medicine and OB-GYN (both primary care departments) can write prescriptions for Clomiphene, but “protocol” prevents residents in Internal Medicine (also primary care) from writing off-label prescriptions. What kind of a cockamamie rule is that? What, the residents in Internal Medicine are too dumb or too naive to understand off-label benefits of medicines?

    Finally, I had planned for my resident PCP to order and interpret blood tests each time I visited him. The administrator could have learned that fact if she had bothered to call or write me before jumping to conclusions and interfering in my doctor-patient relationship. I strongly reject the Director’s paternalistic view of medicine in which she feels she has to protect resident doctors from patients who order or interpret their own blood tests. These resident doctors are young professionals who have completed their medical degrees; they don’t need paternalistic oversight from a department administrator telling them who they can and cannot invite to be patients.

    Apparently, an overwhelming number of patients who visit this teaching hospital’s doctors want to be told what to do and how to feel. I am the exact opposite; I take personal responsibility for and manage my own health, which is strongly advocated under health care reform. Having a more equal, collaborative relationship with my PCP works for me, and that seems to be the true reason for the administrator’s interference. Studies show that medical malpractice rates drop with a non-paternalistic model of health care services. That fact of reducing litigation risks is pushing more health care systems across the country to migrate to a non-paternalistic model.

    LEGAL ANALYSIS

    I. Formation of Doctor-Patient Relationship

    The first question to address is whether, based on this fact pattern, a doctor-patient relationship was formed. When I gave the Internal Medicine resident doctor confidential information on two off-label drugs that I take, that act would be analogous to a prospective client approaching a lawyer with facts about his case to see if the lawyer will assist him. Contacting a lawyer this way does not create an attorney-client relationship. However, the lawyer is under an ethical duty to protect the confidentiality of the information shared by the prospective client. Similarly, the resident doctor was under an ethical duty to keep the information I shared with him confidential.

    When a lawyer responds to a prospective client, “I agree to take your case,” or “I will be your lawyer,” or words to that effect, then an attorney-client relationship is created, and the protection afforded to the client’s information rises to the level of constitutionally protected attorney-client privilege. In this case, when the resident doctor responded that he would be honored to be my PCP, we have offer and acceptance forming a contract. The offer-acceptance could be construed as my offering to be his patient, which he accepted, or his offer to be my PCP, which I accepted.

    But offer and acceptance are only two of the three required elements to form a contract. The third essential element is exchange of consideration, expressed in Latin as the quid pro quo. In this case, there were several separate exchanges of consideration that complete the formation of a contract and thereby render it enforceable in a court of law. Consideration is defined as some act or some transfer of an item from one party to the other, for which the receiving party had no legal right to otherwise obtain that consideration. There is no requirement that the consideration have intrisinc value. For example, the transfer of a scrap piece of paper can constitute valid consideration that renders a contract binding and enforceable.

    The initial disclosure of confidential information from my health history amounts to sufficient consideration. Second, the fact that both I and the doctor each began pursuing scheduling an appointment for me to see him is also consideration: neither of us had a prior legal right entitling us to that action by the other person. Third, when we continued to correspond after offer and acceptance, with additional information being shared back and forth, further consideration was exchanged. My sending the resident doctor a copy of one of my professional presentations was a fourth example of consideration. Finally, my request that my medical records be transferred to the resident doctor’s clinic constituted an obvious legal detriment based on reliance rendering the contract enforceable.

    If a lawsuit were filed for enforcement of this contract, I am confident that the plaintiff would overcome any attempt to dismiss the lawsuit by the teaching hospital’s attorneys based on the absence of a contract. Defendant might attempt to argue that no contract could be formed, because the resident doctor is not licensed. According to the website http://medical-dictionary.thefreedictionary.com/resident+physician, a “resident physician is a graduate and licensed physician receiving training in a specialty, usually in a hospital.” The resident’s licensing status would not prevent the formation of an enforceable contract, as we have in this fact pattern, for treatment in the supervised residents’ clinic.

    In court, we would pose a series of questions: 1) Is the resident a graduate of a medical school? Yes! 2) Was our conversation focused on health care treatment? Yes! 3) Does the resident see other patients (whether supervised or unsupervised) in the resident clinic? Yes! 4) Are the resident’s services billed to the U.S. government and to private insurers as the services of a doctor (not a student or a doctor’s aide)? Yes! 5) Did we both use the term PCP in describing our relationship? Yes. 6) Did the resident undertake to assist me in obtaining a medical appointment to see him? Yes! With these answers, any court of law is going to recognize if it looks like a duck, swims like a duck, and quacks like a duck, then it is a duck. Therefore, the defendant’s argument on licensing will be viewed as a red herring and will fail. In a similar vein, courts have noted “it is axiomatic that a doctor-patient relationship may arise from, briefly exist, and be limited by the unique circumstances presented in a transfer situation.” Sterling v. Johns Hopkins Hosp., 145 Md. App. 161 (Md. Ct. Spec. App. 2002). It does not matter how long the doctor has been seeing patients or how brief the contact with any given patient, a doctor-patient relationship can be formed.

    Selection of a PCP and other medical decisions are “core” private decisions. A fundamental tenet of privacy jurisprudence, as it has been applied to other types of personal matters, is that the individual most directly concerned is entitled to make and implement the protected decision autonomously and free from paternalistic government intrusion. See, e.g., Zablocki v. Redhail, 434 U.S. 374, 54 L. Ed. 2d 618, 98 S. Ct. 673 (1978) (decision to marry); Moore v. East Cleveland, 431 U.S. 494, 52 L. Ed. 2d 531, 97 S. Ct. 1932 (1977) (decision to live with extended family members); Griswold v. Connecticut, 381 U.S. 479, 14 L. Ed. 2d 510, 85 S. Ct. 1678 (1965)(reproductive choice). I would argue that the constitutional right to privacy also protects autonomy in selecting a PCP among a wide choice of available doctors, selecting which medications I want prescribed, and choosing what lab tests I want to order myself to monitor my health.

    In 2005, the Supreme Court of Arkansas provided the best statement in American jurisprudence on the elevated status of the doctor-patient relationship. The court noted the relationship of doctor-patient is unique. “The loss of this relationship, even temporarily, causes irreparable damage to the doctor and the patient. There is no adequate remedy at law because the loss is a loss of a one-time opportunity.” Baptist Health v. Murphy, 362 Ark. 506 (Ark. 2005)

    The court noted that the hospital had violated the Arkansas Department of Health rules and regulations for hospitals by failing to enforce policies that protected the doctor’s selection of patients and the patient’s choice of a physician. “We interpret this to mean that an otherwise qualified doctor must be granted access to his patient for the purpose of treating his patient, if that is what both the doctor and the patient want. Or, stated another way, a hospital cannot deny the services of a physician of the patient’s choice if the patient is already being seen by physicians at the hospital. Baptist Health v. Murphy, 362 Ark. 510-511 (Ark. 2005)

    Based on reading Baptist Health, I will now forward a copy of this article to the state Department of Health to determine whether the teaching hospital violated any of my state’s regulations requiring Tennessee-licensed medical centers to have policies or bylaws that respect the patient’s right to select his own physician. If so, then the teaching hospital is violating those regulations.

    II. Tennessee’s Tortious Interference Statute

    Tenn. Code Ann. § 47-50-109 is captioned, “Procurement of breach of contracts unlawful – Damages.” The administrator tortiously interfered in my doctor-patient relationship and prevented the resident doctor from performing his services under our contract. She therefore procured a breach of that contract. The administrator will argue that she was merely performing her duties, but that is no excuse for interfering in an existing doctor-patient relationship.

    Although Tennessee jurisprudence does not have a case on point, courts across the country have taken a dim view and expressed disapproval of employer interference in the doctor-patient relationship. For example, the U.S. Supreme Court stated, “The ethical objection has been that intervention by employer… makes a tripartite matter of the doctor-patient relation. Since the contract doctor owes his employment and looks for his pay to the employer… rather than to the patient, he serves two masters with conflicting interests.” United States v. Oregon State Medical Soc., 343 U.S. 326, 329 (U.S. 1952).

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    Source by Michael Guth

    Views: 0

  • Direct Marketing – 5 Essential Components of Successful Direct Marketing

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    Direct Marketing produced $2.05 trillion in sales in 2012. That represents about 8.7% of US GDP in 2013. This implies several key points.

    First, competition in direct marketing is stiff. With all those advertisement dollars being spent on direct marketing, you need to ensure your message is getting through and being heard. Second, with stiff competition, you need to craft compelling messages, not once, but repeatedly. You need to do this effectively and efficiently, if you want to do more than just tread water.

    Thus, it’s important to develop a marketing strategy that optimizes your budget spend by employing direct marketing more effectively. Here are 5 essential components of successful direct marketing.

    1) Deliver a Compelling Sales Message

    Several elements go into creating a compelling sales message. Successful sales letters and other marketing content must be relevant, useful, and persuasive. Marketing content that works grabs your prospect’s attention, shows uniqueness, and builds trust with your prospect. Employ these three elements in all your direct marketing content.

    · WIIFM – Tell your prospect exactly what’s in it for him or her.

    · Unique Selling Proposition (USP) – Clearly describe why your solution is the superior one.

    · Testimonials – Let your satisfied customers “sell” for you.

    2) Follow-up Leads Promptly to Attract and Engage Your Prospect’s Attention

    You might have a lead-generating sales letter, but if you don’t follow-up, valuable leads will slip through the cracks. Follow-up a live event with a phone call, an email, or a letter that invites the prospect to take the next step.

    Offer a free demonstration of your product or service. Set up an appointment with a subject matter expert who can go into greater detail on how your company’s solution works, and why it’s better than the competition’s. Then, before the scheduled demonstration, send a white paper that explains your product in detail.

    Follow-up, engage and spark your prospect’s interest in your solution.

    3) Promote Your Brand

    Benefits from branding give companies and edge over competitors that don’t brand. Branding helps position your product or service favorably. It also gives you pricing and distribution power. The takeaway is: never miss an opportunity to brand.

    Direct marketing affords you many online and off-line media to build brand awareness. Online media: (1) Banner advertising; (2) Blogs; (3) Email; and (4) Website. Off-line media: (1) Print advertising – sales letters, postcards, brochures; (2) Press Releases; and (3) Public Relations.

    4) Nurture the New Customer Relationship

    Lead nurturing is just as important as lead acquisition. Most companies want to develop long-term relationships with customers. That’s because they become repeat customers. And, over time, repeat customers generate more sales and profits to your bottom line.

    Outbound marketing provides many ways to build and maintain a thriving lead nurturing program. You can employ email, direct mail, social media, mobile, podcasts, seminars, phone calls, and videos.

    5) Integrate and Synchronize Online and Off-line Direct Marketing

    To optimize your message and direct marketing budget, success lies in finding the right mix of online and off-line methods. One method isn’t necessarily better than another. Instead, the secret sauce to successful direct marketing depends on how you weave these various methods together.

    You can integrate and synchronize these methods along the sales cycle beginning with message delivery. Start with a sales letter, follow-up with a phone call or email. Refer your prospect to your website for deeper marketing content, and don’t forget to brand throughout this process.

    Achieving the right marketing mix produces a “multiplier effect” that helps you close sales faster and easier. Employing different media in a consistent and coherent manner working towards the same goal optimizes your marketing efforts.

    Don’t Overlook the Value of Direct Marketing

    With so much attention focused on inbound marketing lately, it’s easy to overlook direct marketing’s benefits. However, as you can see, it still commands the lion’s share of sales. Therefore, it’s prudent to examine your marketing strategy’s focus and align your budget accordingly.

    Before you undertake a direct marketing campaign, employ these five essential components to compete effectively and efficiently for that $2.05 trillion market.

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    Source by Alex M Milo

    Views: 1

  • How to Make Money and Become Richer Every Day

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    There are countless ways of making money. It all begins with your motivation to get creative and be determined to go for success. The world’s richest entrepreneurs started with an idea that just came into their mind and they decided to chase their goals. You have heard from the several forums they have been invited on to give inspirational speeches. The bottom line is your determination to reach success. You can then start a business that will see you making more money every day. Here are some of the tips you should have in mind so as to make money.

    Start with the Little You Have

    The little money you have should be used in generating more. All you need is a business idea and a clear business plan so as to get you started. Therefore you need to know that the money you have cannot grow to make you successful in life unless you invest it in some viable project. Banks interest rates are not that good to get you to success. However, if you did a good research today on a good business idea that you have always had, that way you will be ended to success.

    Don’t Let Any Coin Pass Your Way without Trying to Get It

    If you are an entrepreneur, you understand what that statement would mean. It means don’t let an opportunity you are viable for pass your way. You should consider the money making opportunities, not the spending opportunities. Although you have to spend to gain some more, there needs to be more than an equilibrium in your favor. Therefore, if you have not been keen to identify opportunities, you should be keen from today. There are so many opportunities you just need to be keen so that these opportunities don’t pass you.

    Don’t Just Look on One Direction, Opportunities Are Everywhere

    As much as it is good to concentrate on one item before looking for the other, you also need to be aware that this can lead to loss of opportunities. You need to aim at diversifying your money making ideas. The most successful entrepreneurs offer multiple services. Although they are in one business line, you will find that they have other side gigs to keep them going. Therefore you need to be vigilant to identify opportunities where you can diversify your business so that you can make more money by tapping into different opportunities.

    Decrease Expenses and Save More to Make More Money

    Even the moment your business more profits than normal, you need to save more so as to get richer. Reduce your spending and increase your savings is a formula that will help you accumulate your wealth. You can save in the bank or by buying assets that you can sell in future.

    Invest in High Returning Ventures

    Think of projects that will give you more value in the future. Don’t invest in projects that keep you in the same position, you need to grow. Therefore some investments like real estate that are always increasing value can be good.

    Entrepreneurs are always self-motivated. They have the intrinsic determination, and their goals are their inspirations.

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    Source by VanNess Vaughn

    Views: 0

  • Basics of Money Management

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    Money plays an important part in our every day lives and making the most of what we have will help us live a life free of financial pressures. By learning some basic rules, you can make life easier for yourself and for those who depend on you. Here are my basic rules.

    Rule one. Don't borrow money for consumable goods. What are consumable goods? They are stuff that lose value over time. Stuff you want but can live without. Examples are electronics, subscriptions to magazines, auto mobiles etc.

    Rule two. Live within your means. In other words, spend less than you make. I know that may sound hard if you are on a tight budget but to just take easy credit when it is available to you is simply inviting financial disaster.

    Rule three. Become financially educated. This can only be done by reading all you can about the various investment options available to you. There is really no excuse for not being kept up to date with all of the financial news because there is so much information on financial matters available on and offline.

    Rule four. Diversify. A mistake that some investors have made in the past is to put all of their eggs in the one basket only to find that the company they invested their money in went bellyup. Prudent investors diversify. That is spread their money around in various companies to minimize their risk.

    Rule five. Keep good company. There are people about who have bad attitudes toward financial planning and money in general and if you spend too much time with these people there attitudes can affect your thinking.

    Rule six. Take responsibility for your own finances. Some people will ask others for advice just so that they have someone to blame if things do not work out for them. A financial advisor will tell you to do this or that but at the end of the day it is your money and you are the one who reaps the rewards when the markets are up or takes a hit when they are down.

    Rule seven. Take a long-term view of your investments. Investing your savings is a long-term game and in order to take advantage of the gains in the markets you have to take a hit sometimes which means not panicking when the markets are going down.

    Rule eight. Keep the big picture in mind. In other words have a target or goal in mind. Are you saving for a house deposit or your retirement?

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    Source by Robert Alan Stewart

    Views: 0

  • Relationship Anxiety – Why Doesn’t My Boyfriend Want to Marry Me?

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

    Think About His Reasons for Not Wanting to Marry

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

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

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

    Devote Your Energy to Helping Him Overcome His Resistance

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

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

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

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

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

    Be Realistic About the Future of Your Relationship

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

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

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

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    Source by Gillian Reynolds

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