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  • 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

    Views: 0

  • My Husband Doesn’t Love Me As Much As I Love Him – Tips and Advice That Might Help

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    I often hear from wives who have some issues with whether their husbands are “in love” with them or not. And, if the husbands are, the wives often measure this love by degrees, as compared to how much the wife loves him. I often him comments like “my husband doesn’t love me nearly as much as I love him. I make all of the concessions and advances in the relationship. He never makes any effort or shows me any attention or affection. It’s as if he merely tolerates me. He doesn’t ask me about my day or make any effort to engage with me. It’s like I’m someone who just merely coexists. On a scale of one to ten, I love him on a level that’s an eleven. And he loves me on a level that’s about a one.”

    I understand that this is a lonely and frustrating place to be. I experienced this in my own marriage and the way I handled this almost ended that same marriage. Through experience and research, it’s become pretty clear to me that there’s a right way and wrong way to handle this situation. I will discuss this more in the following article.

    Score keeping Is Not The Best Idea For A Marriage. The Question Isn’t Which Spouse Loves The Other The Most: The Question Is Do Both Spouse’s Feel Loved?: I understand how depressing it feels when you suspect that you’re the only one who’s really “in love” or trying to keep the marriage afloat. But sometimes, wives focus so much on measuring how much their husband loves them against some imaginary yard stick that has few (if any) implications on real life. This doesn’t really do anything to change or improve their situation.

    I often tell wives to give up comparisons and worry instead about whether they’re feeling loved, wanted and valued. Obviously, the answer is most likely to be negative, but at least you’ve shifted your focus from score keeping to something on which you can take concrete action.

    It can also be very important to understand that men aren’t as demonstrative as women. So, expecting your husband to be a spouse that compares to you in terms of demonstrating their feelings may not be totally realistic. Very few husbands express their love and affection in the way that wives typically do. This doesn’t mean that they don’t love you enough. It just means that you’ll need to teach him how to express himself and you’ll need to encourage the behaviors that make you feel noticed, understood, and loved.

    Some wives tell me that they resent having to do all the work and having to train their husband to do something that he should just automatically do. These points are certainly valid. But, in my experience, it’s better to give a little in exchange for getting what you truly want than to remain angry, frustrated and indignant while you’re not getting your needs met. It’s important to address and fix this before you yourself begin to withdraw. Because when you have to spouses who are on the edge of indifference, this can leave the marriage in real trouble.

    When You’re Worried That Your Husband’s Lack Of Affection For You Means He’s Not Invested In The Marriage Or May Eventually Want Out: I often find that the wives who tell me that their husband’s don’t love them enough fall into two camps. The first is a situation where the marriage is probably really OK, but the husband has either gotten into the habit of not showing his affection or needs to relearn that lesson. This scenario is easier to fix.

    The second scenario is that the husband’s lack of affection is due to issues within the marriage or with his no longer being invested in it. This is the scenario which you often can not afford to ignore. Because often, his withdrawing from you is a symptom of a much bigger problem. So, attempting to teach a husband to show you the feelings that just aren’t there isn’t likely to work.

    Instead, you’ll need to examine why the feelings have left, fix and address the issue, and then reevaluate. This is likely easier said than done. Because in the same way that husband’s aren’t demonstrative, they also often don’t have a firm grip on their feelings and perceptions. They may well know that something is wrong and act upon it. But, unlike us, they don’t lay awake at night exploring and turning over the issue. They’re more reactive. When something is wrong, they withdraw and reshuffle their efforts instead of thinking about their feelings.

    They may not even be aware that they are doing this or even understand why they are doing it. And that can be one reason that they insist that nothing is wrong or that you’re imagining things. Since they haven’t pondered what the issue is (or even that it exists) you look like a real nag or complainer when you address the symptom of it. That’s why you’re often much better off just working and acting on your own (especially at first.)

    One of the biggest mistakes that I see many wives make is that they harp on a sensitive subject with an already distant and detached husband. So, they’re already on shaky ground and it’s clear he’s resistant, but they think that if they can just get him to “work” on solving the problem, things will get better. The problem with this is that he’s already begun to withdraw. He likely doesn’t want to “work” on the marriage, at least right now. You’ll have to return him to a point of being invested before you can gain any real ground.

    Most wives understand this deep down, but they hesitate or rush because they don’t know how to get their husbands to be receptive to them again. The key is often to take inventory of the marriage and see where the husband might not be getting what he wants and then to provide that without needing to have any large or painful discussions about the same.

    And, that’s a common place where wives get stuck. I often hear comments like “But how am I supposed to do this? I’m already the one whose providing all of the attention and affection and that’s not working either.” Often the question really isn’t the demonstrative affection (at least on the husband’s end.) The real issue is often the real connection, and the feeling of being truly heard, valued and understood. It’s also important that both parties know that no one is going through the motions, score keeping, nagging, or trying to manipulate the other.

    I often tell wives to focus on what they can do very genuinely and convincingly. Husbands know when you’re just putting on a show or trying to overcompensate for what is really the underlying problem. They don’t want more of the same. They don’t want to be manipulated. They often want real change and improvements instead of worrying about how things look on the outside.

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    Source by Leslie Cane

    Views: 0

  • Sex Drive, Sex Addiction And Anger

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    In psychiatry, we do a mental state examination that is quite like a physical examination. In it, one of the questions we ask of every patient is- How is your sexual appetite? In many parts of the world this question can be considered offensive especially when asked by the member of the opposite sex. But in the western world, people can talk freely about it. So in psychiatry, one has to be respectful of the culture one is working in.

    The importance of this question is that sexual drive determines the mental health of a person. In most psychiatric conditions, the drive is reduced. This happens in depression and anxiety conditions including post-traumatic stress disorder. In certain conditions like mania, it increases. In a person who is not manic, but has an unhealthy, elevated sexual drive, it is considered to be a sign of an addiction. An addiction has the quality of being compulsive and it is in excess to the norm. This excess starts damaging the person’s financial, social and personal condition. In such situations, it is a sign of ill health.

    In my experience, sex drive is the indicator of the physical and mental tension a person carries. When the tension increases to the extent that the body and the nervous system start getting tired, the drive reduces. If the tension is reduced, the drive comes back. In my experience, this happens typically in people who suffer with depression. Depression, is suppressed anger. When a depressed person, having low sex drive, starts releasing anger, the nervous system experiences a release and the sex drive or libido is increased as a result.

    Excessive sexual drive is the result of excessive tension or stress being produced in the body. The fact that regular physical exercise produces a healthy sex drive is a clinically known fact. When the tension is increased in the body, as happens in anger and following physical exercise, there is an upsurge in sex hormones. At that stage, the drive can become excessive. Despite having regular sexual partners, such people will feel the need to masturbate frequently to reduce their nervous tension. Such people are usually normal individuals except that they are torn inside with guilt about masturbation. If such people were to do nothing about their ‘sex addiction’, they would end up being depressed. This is because the body has a limit to tolerate tension. When the limit is reached,the nervous system becomes fatigued and features of depression kick in.

    In medical practice, medicines can be prescribed to control the excessive sexual drive. In my work, I have used meditation and imagery exercises to help the patients reduce their anger. The reduction in their sexual drive is a natural spontaneous follow up.

    Many years ago, there was an earthquake in the region of California. In the studies done at that time, scientists were perplexed to learn that immediately after the earthquake, the survivors reported a surge in their sexual drives. The reason for this, as I understand is this. Sex is an activity that is gift from nature to the animal world to continue with the progeny. During times of danger, the survival of the species or individual is threatened. This causes an anger drive that is necessary to undo the effects of the danger. Testosterone is a typical male hormone that increases muscle tension and produces energy in the body. Its secretion is increased at such times too. In order for the progeny to continue, reproductive activity has to take place. So there is a consequent increase in sexual drive.

    On the other hand, what would happen, if the anger tension is considerably reduced in the body? In all kinds of spiritual literature, there is emphasis on celibacy. Some religions enforce it on their followers. This is so because if you meditate regularly, the body’s physical and mental needs reduce considerably. There is also a reduction in anger levels and the body’s tension. The sexual drive reduces as a result. In such cases reduction in sexual drive is a sign of excellent mental health rather than the sign of mental illness. In spiritual literatures, sex is not a weakness because it provides pleasure, but because it is a sign of tension. Spiritual practices, like meditation, reduce this tension. Engaging in sex is a ‘weakness’ from anger/tension perspective in spirituality. It has nothing to do with denial of pleasure.

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    Source by Pradeep Chadha

    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

  • The Best Final Expense Sales Presentation Ever

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    Arriving At The Prospects Home

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

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

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

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

    Making Appointments

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

    Script for Setting Appointments Yourself

    Here is an appointment script you can use:

    Good Afternoon ____________, This is ____________

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

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

    The address I have here is ___________________.

    Is that correct?

    Okay… Great!

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

    Awesome, awesome…

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

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

    chit chat…

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

    which is best for you?

    Great…

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

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

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

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

    Have a great day.

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

    Presentation

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

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

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

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

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

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

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

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

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

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

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

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

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

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    Source by Jody Haworth

    Views: 0

  • To Prevent A Divorce And Save Your Relationship Merely Takes A Willingness To Do So

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    If your relationship is going through a rough patch and it is one of numerous rough spots you may be worried that you are heading for divorce.

    Often divorce can’t be avoided, it will depend on the couple and the circumstance, but there are many times that you can pursue healing your relationship prior to it reaches the point for divorce.

    One error many people make is that they start making promises.

    Even if you believe you are genuine and that you can make some attitude and behavior changes, but do not commit, declarations like these will not save your relationship.

    You do need to go over the issues with your partner though since you can’t simply alter who you are to make them more than satisfied, and you need to be pleased and more than satisfied, too.

    Often there are issues that both of you require to work with to improve the relationship.

    The Idea is to Repair the Relationship Issues

    Telling your partner that you love or admire him/her continuously is not a great idea either, because even if it is true and you do like him, stating it constantly won’t repair any issues.

    Telling him that you like him can be seen as a bit of emotional blackmail – when all else fails to say ‘I love you’ – it doesn’t rather work like that.

    Rather, it’s the holiness within each of you that must be and connect seen as whole that is the miracle remedy for a failing marital relationship.

    The Course in Miracles states, “The holy relationship is a phenomenal teaching accomplishment. In all its aspects, as it begins, develops and becomes accomplished, it represents the reversal of the unholy relationship.”

    When a relationship is in difficulty it can be difficult and you may find yourself a psychological wreck and seem to think that to prevent divorce is impossible.

    Due to the fact that it will just drain him more emotionally, this is another factor why you shouldn’t keep telling him that you love him.

    Telling him that he is sexy or that you love him is something you must save for when you have your relationship back on track.

    Another big mistake when a relationship is in difficulty is to constantly argue, and all it does is add more stress to the relationship, and no one wins these arguments.

    No one Wins Over Arguments

    In a previous discussion I went deeper into the best marriage advice online and does couples therapy really work?

    – Do not start any arguments with your partner and if he begins one then leave.

    – If he would like to go over matters, when he has actually soothed down then ask him.

    – Do not approach the marital relationship like a competitor.

    You are not wanting to prove who is best at relationships and who is to blame for it stopping working, but do approach it like a partnership that you both need to help each other with.

    Sit down with your husband/wife and calmly talk about any problems you have, if your marriage is heading for divorce perhaps discuss how to avoid divorce.

    Don’t argue with him however ask him exactly what he is feeling and how he thinks you can prevent and enhance the marital relationship divorce.

    To save your relationship take his answers into factor to consider along with your own sensations and attempt to work some compromise that will make you both feel better.

    If you handle the problem in a calm and fully grown method, you can between the two of you, and perhaps with marriage counseling, find how to avoid a divorce.

    Even if you believe you are sincere, but he/she is not, and that you can make positive changes, statements of demanding or pleading will only hurt chances for how to fix a failing relationship.

    – Can you stop a divorce after filing?

    It Takes a Readiness to do the Work

    You may, but typically there are issues that both parties need to work with to rather than dealing with a breakup to enhance the relationship.

    Telling him that you enjoy him or that you will do anything for him/her, is something you need to save for when communication and holiness within is found and connected, and you have your relationship back on track.

    When a relationship is in trouble and continuously arguing is happening, the biggest error that needs forgiveness is.

    Do not approach the marital relationship like a competitor to find who is best at relationships and who is to blame, because the ego is in charge then, and you’ll see you both ending the relationship.

    It may be time for leaving the relationship where healing after a breakup is your next phase if you simply can not reconnect and heal within your hearts.

    (I also suggest searching the web for further content that dives into the idea of getting back with your ex, if that may be in the cards, and sure ways to rekindle a relationship.)

    To success in life and love!

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    Source by James Nussbaumer

    Views: 0

  • What Is an Emotional Catalyst?

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    Tell me that I am not the only person this has happened to. Your spouse or roommate or BF says “l am going to lose some weight” and suddenly you find yourself being hijacked into a diet, “No alcohol from here on out until we lose our weight!” (Our weight? Did you just call me fat?) We are going to work out 5 days a week (we are?) Pilates, Zumba, Yoga, Cardio, Free weights, Circuit training “No, No Sam you have to do 3 sets of 16 reps” (I do? Didn’t you just start working out like 2 days ago and now you’re a trainer?) So what just happened here?: A total lifestyle change that you were never intending to start. (OK well I was intending to start someday, but in my time frame, not because someone else had an emotional catalyst… see below)

    So, somehow you get manipulated to join in, maybe you want to add support to the instigators, maybe they are right! You are Fat! I mean isn’t that what they just said? When they assumed you would be joining in on the whole “Diet thing” sure, sure… they are just concerned about YOU being Healthy that’s why suddenly everyday you hear “Did you go to the Gym today?” Um… No, I sat in the backyard with a pack of Marlborough Reds, a Box of wine and some ho ho’s (wishful thinking)

    Low and Behold I have been to the gym more than usual (not difficult as usual was NEVER) and I will continue… but the truth is.. Being Manipulated to do something as big as Change your lifestyle because your friend or spouse has had a catalyst to change (Emotional catalyst do the trick of causing big Change almost every time) doesn’t set you up for success, your just along for the ride until you excuse your way out, truth hurts! OK my truth hurts. I love using humor to grow, educate or coach – but this would be a waste if you weren’t provided with a little lesson right?

    A catalyst – Easiest definition in this case is ” A person or thing that causes a change http://dictionary.reference.com/browse/catalyst

    Not really a fan of the dictionary version so to understand it better here are some personal and professional examples: http://www.fastcompany.com/magazine/152/next-strategy-passion-provokes-action.html

    Let me share this with you, when you do get a catalyst to change, you need to act on it immediately or it fades… until you get another emotional catalyst. If you decide you want to change something in your life, here is a simple 5 minute step in the right direction: Visualize not only what it will look like, but how it will FEEL once it is changed.

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    Source by Samantha Buckley Hugessen

    Views: 0

  • The Health Benefits of Cheese at Your Mexican Grill

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    Cheese is delicious. It’s one of nature’s greatest gifts, we think. Cheese fills everyone’s heart with happiness, your mouth will delightedness, and your soul with goodness. That’s probably one of the reasons you’re likely to find at your local Mexican grill hard-working, dedicated employees banded together in the kitchen to hand-grate piles of fresh, delicious, nutritious cotija cheese. Mounds of it! Mountains of it, even.

    At the Mexican grill they grate enough cotija cheese to make the Pied Piper lose control of his mice. And the Pied Piper isn’t going to let those mice eat all his cheese. Why? Not just because of the previously noted superior qualities of cheese, though that clearly has quite a lot to do with it. But the real reason that cotija cheese is a beloved staple at the Mexican grill is because cotija is among the greatest possible of all cheeses.

    We know that’s a bold statement. It’s hard to take at face value when there are so many other cheeses available, in all kinds of cultures and all kinds of food. Even Mexican grill food occasionally embraces other kinds of cheese, though we suspect it’s a slightly begrudging kind of foray into the world of cheeses that aren’t the beauty and perfection that cotija is more than happy to bring to the table.

    So why is cotija the most superior of cheeses? Why does “the Parmesan of Mexico” (but so much better than Parm in our opinion!) have it going on?

    Cotija is a salty, crumbly, ridiculously tasty milk cow cheese name after the town Cotija in Mexico. It’s a classic south-of-the-border ingredient, beloved for its tangy zip and unique texture. It’s known as el queso de montaña, or mountain cheese, because its makers live and cheese it up high in the mountains. And that’s where it gets its flavor and color, too-the milk that makes cotija comes straight to us from cows that have been munching on the rich mountain grass that only grows during the short rainy season.

    It’s strongly flavored, great for grating, and found on so many Mexican grill dishes (as is proper). From salads to soups, tacos to tostadas, it’s all enhanced by cotija magic. Best of all, and maybe why the Pied Piper the stamina to keep chasing mice, cotija cheese is so much more than just great-tasting: It’s good for you, too.

    Like most dairy products, cotija a great source of the protein we need to build the tissue of our heart and other muscles and stay healthy. Just one-ounce serving gives you 7 grams of protein, or a whopping 14 percent of your daily recommended amount of protein. Even better, cotija has got plenty of bone-building calcium. And if you’re diabetic or on one of those low-carb diets, it’s important to note that cotija is also low in carbs. So get behind the Piper in line at your nearest Mexican grill to enjoy how cotija can pack a real punch to your tastebuds.

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    Source by Phillip Mullennax

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  • Social Entrepreneurship – Now is the Time

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    Social entrepreneurship is a major area of interest in many social and civic organizations and has a significant impact on many areas of society. During the past decade economic resources have become more difficult to acquire and society has continued to exhibit economic and cultural decline. Concurrently, communities are in need of initiatives that will enhance their financial viability and programs that will enhance the overall viability of the population.

    Social entrepreneurship initiatives are ventures that can serve as a method of increasing the social value of a community, organization or cause while enhancing the financial viability of a not-for-profit organization. With this being stated, social entrepreneurship has been defined in different ways by many different theorists. Gary McPherson, Executive Administrator of the Canada Centre for Social Entrepreneurship, states that social entrepreneurship involves various individuals working toward meeting social and economic goals simultaneously; while Bill Drayton, CEO of Ashoka, defines social entrepreneurship as a term coined to describe “individuals who combine the pragmatic and results oriented methods of a business entrepreneur with the goals of social reform.”

    A more basic definition of social entrepreneurship states that it is “the process of using entrepreneurial and business skills to create innovative approaches to social problems.” Therefore, it is a methodology that is presently being used to resolve community and societal concerns globally. Social entrepreneurship as an area of specialized entrepreneurship is not defined by the same titling in every culture. For example, in Latin America countries social entrepreneurship initiatives are referred to as “Micro Enterprise.” In India the same program would be identified as a “Social Mission.” Though termed differently in various regions, social entrepreneurship initiatives are being implemented to solve specific societal and community concerns by focusing on the needs and resource availability within specific geographic regions.

    Social Entrepreneurship in Education Throughout the United States, many top tertiary level academic institutions are enhancing their business programs by including a curriculum that caters to the study of social entrepreneurship. In 2003, the Center for Responsible Business was launched on the University of California Berkley Campus. This subsidiary of the Haas School of Business was implemented with the intent of training students to be more principled and socially responsible members of society through attending “the preeminent educational institution in area of Corporate Social Responsibility.” Stanford University also has established a Center for Social Innovation as a part of its graduate school of business. This center was founded with the mission to “build and strengthen the capacity of individuals and organizations to develop innovative solutions to social problems for a more just, sustainable and healthy world.”

    In 1993, Harvard Business School started its social enterprise program with its mission of “generating and sharing knowledge to help individuals and organizations to create social value in the not-for-profit, private and public sectors,” and the University of Miami has refocused its business school curriculum to include coursework in the areas of ethical-decision making, social entrepreneurship and community engagement with the primary focus being to expose students to various areas of civic engagement while concurrently teaching them leadership and team building skills.

    Tertiary level institutions, including Duke, which has established a Center for the Advancement of Social Entrepreneurship as part of its Fuqua School of Business, and Columbia University where the research initiative on social entrepreneurship is embedded in its school of business, have also made strides to enhance the study and education of those seeking to venture into areas of social entrepreneurship and social venture implementation. The Association to Advance Collegiate Schools of Business-International (AACSB – International) has identified over twenty-four tertiary level institutions that have included social entrepreneurship as a part of their business college and or business curriculums.

    With social entrepreneurship being perceived by many as a new way of stimulating social change, Idee Winfield believes that the implementation of community-focused service learning projects is the first step in exposing youth to the various attributes associated with social entrepreneurship. Through community involvement, youth will begin to visualize and experience the various social issues within their community and envision ways to solve these problems. Winfield states that social entrepreneurship should be promoted in primary and secondary education, and coursework should be adjusted to allow students to “see how abstract socially focused concepts can have real world applicability.” Jeffrey Soderborg, a member of the Kauffman Center for Entrepreneurial Leadership Clearinghouse on Entrepreneurship Education, is also an ardent proponent of social venture education who believes that social entrepreneurship would be more readily accepted if youth were exposed to information expounding the laurels of these initiatives during their primary and secondary academic years.

    As youth expand their horizons through the establishment of entrepreneurial efforts, knowledge and exposure to information about the process involved in the establishment of entrepreneurial business effectively plays a major role in the rate at which business entities are established. A study focusing on entrepreneurial interests among black youth ages 14 to 19 identified that 75% of the youth surveyed had interest in becoming entrepreneur. The study also found that these minority youth believed that more information about entrepreneurship should be presented through their schools. They also believed that entrepreneurs have a responsibility to reinvest in their community.

    Corporate Social Responsibility

    Personal values often serve as the justification for entrepreneurs to focus organizational efforts on socially focused ventures. The organizational decision to forgo pursuing financial gain with the intent of using the corporations’ profit resources to enhance a community is often referred to corporate social entrepreneurship. Corporate Social Entrepreneur (CSE) is a term used to describe corporate initiatives whose primary focus is to enhance a social concern and whose secondary focus is financial gain. The corporate social entrepreneur differs from the financial profit seeking entrepreneur in the area of decisions made that affect the community and environment in which their organization functions. Research identified that in corporate social entrepreneurship business acumen serves as a factor in the success or failure of social venture initiative implementation. Research identifies that success factors associated with the implementation of social responsibility initiatives were linked to whether the entrepreneur exhibits behavior that is moral, amoral or immoral.

    The amoral entrepreneur would pursue initiatives only if they were deemed acceptable by the organization as a whole. The immoral entrepreneur implements initiatives based on what can be potentially gained for self as well as for the stakeholders, while the moral entrepreneur would pursue social responsibility initiatives based on what was in the best interest of the organization. Individuals identified as corporate social entrepreneurs are individuals who are more active in community activities and are actively involved in social responsibility efforts. Corporate social entrepreneurs also are more likely to implement social responsibility initiatives based on an organization’s long term objectives.

    While many corporations are looking for ways to increase their social responsibility efforts, in some regions corporate responsibility efforts are not progressing. A policy paper, “Corporate Social Responsibility in Latin America and the Caribbean,” documented that corporate social responsibility activity in this region has “stalled.” The reason for stagnation in this region is “minimal government involvement” and the lack of “private sector involvement.” It was also identified that initiatives to implement programs focusing on social responsibility are often initiated outside of the market, and then subsequently not embraced by stakeholders who reside within this geographic region.

    Corporations are continually looking for ways to increase corporate advantage through their social responsibility efforts. While proponents of corporate social responsibility believe that corporations are obligated morally to engage in efforts to enhance social, community and environmental concerns, many stakeholders believe that social involvement should only be initiated if the efforts are going to strengthen the organization’s image, brand, moral or stock value. With this in mind, corporations have separated social issues into specific categories.

    These categories are social concerns that are general, social concerns that are value chain based and concerns that focus on social dimensions of competitive contrast. Generic social issues are identified as social concerns that do not directly affect the company’s operation and do not have an effect on a company’s competitive advantage. Corporations are least likely to get involved or invest in projects that focus in these areas because they will not receive a high value of return on their involvement. Value Chain Social Impact issues can significantly affect a company’s operation and can have an impact on the way a company conducts business. Corporations are more likely to be involved in value chain concerns, but only after conducting due diligence studies to ensure that a return on investment will be achieved over time.

    Social issues that affect a company’s financial profitability or serve to enhance or increase a company’s competitive edge are likely to be areas that a company will invest in because of the direct impact that these initiatives will have on the company’s overall viability and stability. An example of a social dimension projects is General Electric’s investment in under-performing high schools throughout the country. General Electric believes that through investing financial and professional resources in under-performing high schools in areas where they have substantial financial investment, they are investing in enhancing a community, as well as directly increasing their future employment prospects.

    Whole Foods Market is an organization that has taken control of its social value position through purchasing products from local farmers. Also, Whole Foods maintains strict controls over all of the products produced and sold in all of its locations. They even have extended their social and ecological efforts through offsetting the use of in-store electricity with the installation of wind conversion generators, converting their trucks to operate on bio-fuel and trucking spoiled produce to regionally located compost sites. Though the investments in these technologies may be costly at the onset, the long term financial, civic and market exposure benefits far exceed any initial costs incurred.

    In the area of corporate philanthropy many corporations are at a loss. They continue to be involved in the conflict between philanthropic giving and investor requests for increased profits. For this reason many corporations engage in context-giving programs. Context-giving programs are programs that are defined as allotting resources to specific projects that will enhance the community while simultaneously enhancing the corporation.

    Examples of context-giving initiatives include the Cisco System Networking Academy, which trains computer network administrators and provides job opportunities to those who complete the program; the DreamWorks SKG film production program that trains low-income individuals in occupations that are needed in the film and entertainment industry; and American Express Travel and Tourism Academy which trains high school youth for careers in the hospitality and tourism industry. Corporations that invest in corporate-giving social venture programs are concurrently gaining positive return on their social investment, improving the economic climate of the communities where they are located and gaining positive exposure for their organizations.

    At times social ventures do not have the intended impact on the community. A study focusing on the impact of community focused business ventures found that businesses started with the intent of enhancing a community often lose focus by becoming focused on profitability and competition. Competition and self-focused motivators were identified to be factors that played an additional role in the impact and economic role that entrepreneurial ventures have in community settings.

    While many foundations, trusts and philanthropic organizations, accumulate and distribute resources with the intent of providing services to enhance specific community or social causes, many of these organizations are looking for ways to gain public exposure for their efforts. Organizations also attempt to leverage their gifting efforts through seeking not-for-profit organizations that are willing match the funding received. The success of funded programs is evaluated through performance outcomes and indicators, and through promoting the organization’s work through success stories provided by program clients. These methods are viable ways for funding agencies to acquire value and exposure through their philanthropic efforts and simultaneously continue their efforts to enhance the communities in which they invest.

    With the social philanthropic efforts of Warren Buffet and Bill Gates gaining a high degree of attention, and many leaders engaging in activities to promote social advocacy, corporations are seeking ways to also gain exposure with social entrepreneurship. Social entrepreneurship from the corporate perspective can be defined as corporate social initiatives used by a corporate entity as vehicle to show support for social causes. In recent years, many Fortune 500 companies have implemented social ventures with the intent of enhancing their corporate image through providing funding for various social causes.

    McDonald’s is one such company that has funded social causes for many years. McDonald’s primary social venture is the Ronald McDonald House Charities. The Ronald McDonald House provides lodging for the families of adolescents, ranging in age from birth to 18, who are receiving critical care for illness in communities that are away from their community of residence. The Ronald McDonald House allows families to reside in these temporary living facilities throughout the child’s period of treatment at no charge.

    The Federal Express Corporation also funds programs focused on the implementation of socially responsible programs. FedEx is a supporter of St. Jude’s Children’s Hospital and has been acknowledged by Reader’s Digest as one of “Americas Best Charity Minded Corporation.” Federal Express has also been recognized for providing funding for numerous community and civic organizations, including March of Dimes, Heart to Heart organization, an organization that focuses on delivering food and health resources globally, the United Way and the National Civil Rights Museum. These are just a few of the charitable initiatives that allow Federal Express to present itself as a socially conscious organization.

    Virgin Mobile has partnered with Youth Noise, a not-for-profit organization that brings youth together for networking and brainstorming opportunities, and Stand Up for Kids, the largest all volunteer not-for-profit organizations in the United States, to implement an initiative to expand its corporate social responsibility activities. The project involves recording artists donating ring tones to Virgin Mobile and through partnership agreements, 5% of the proceeds received through ring tone sales are donated to various “Virgin Mobile Charity Partners.” This initiative, established in June 2006, is being positioned to raise over $250,000 annually.

    For social ventures to gain global acceptance, corporations need to become involved in ventures that allow employees and consumers to see the social, community and external benefit of these ventures. This process is identified in countries south of the United States, where the concept of social responsibility is one that has been embraced by many but implemented by few. Many government organizations expect non-government, or private organizations to take responsibility for ensuring the stability and longevity of the resources throughout this region while the private sector is looking toward government agencies for intervention.

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    Source by Paul Van Putten

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  • 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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