May 27th, 2008
Wines are one of the most elegant of all drinks. Wine is not good unless it is served properly and chosen correctly. Did you know that there are hundreds of different choices? Did you know that you could make your own? Wine is a wonderful quality drink that can add a lot of flavor and elegance to a dinner party or to a simple dinner with a loved one.
Wines are available to all people over the age of 21 to consume. Do not forget that wines do have alcohol in them and therefore should be drunk in moderation. It is important that you never consume wine when taking medication as well. It can make you very sick.
But, back to the good stuff. Did you know that drinking a glass of wine a day can keep you healthy? It can and does. Think for a moment about the French. The foods they eat are rich and full of calories, yet it is Americans who have the most weight problems. Why do the French get to eat all that good food without gaining so much weight? It is because they drink wines religiously. Wine has some of the most powerful antioxidants in it. Antioxidants help to cleanse the body of harmful toxins. It can aid in digestion as well. So, in this area, wines can be quite healthy.
Wines can be purchased in a variety of flavors. It seems that everyone has their own preferences and choices. There are red and white wines. There are chardonnays and there are zinfandels. There are many options. In order to know which type you like, you are simply going to have to try several!
Wines are made around the world. In general, it is wise to purchase older wines that have aged. That is because as it ages, the flavors become bolder and fuller. If you have the time, patience and expense, you can actually make your own wines. It can be quite a learning experience! Adding wine to the diet can be a great way to add a lot of flavor and maybe even a little bit of health! Why not add wines to your diet?
Tim Jackson
Wines Directory
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May 27th, 2008
Turn low-performance players around.
Remember, your job as a coach is to enhance your players’ performance. To do so, you’ll need to take a very close look at the situation to find the clues you need to turn the problem around-and it’s not always easy. I use a coaching tool I call “be-do-have” to bring tricky problems into focus. To put it into action, just focus on the different elements of a team member’s performance issue by asking yourself the following questions:
Being. What’s the person’s attitude regarding her job? Is she exhibiting a change in attitude or temperament that’s interfering with her job performance? Are situations outside of work contributing to the poor performance?
Doing. Is she doing the job poorly because she simply doesn’t know how to do the work? Have you shown her the correct way to do the work then, observed to be sure she can perform the task? Has the work changed in some way that hasn’t been taken into account?
Having. Is she missing a tool, a skill, or the time to do the job properly?
In some cases, you may uncover something in each of these three domains that need attention, or the problem may be more isolated. The key is to identify the root issues so you can correct the situation effectively.
Learn from losses
Staff members terminate their employment for many reasons, including job dissatisfaction, a change in personal goals, moving away from the area, and making a career advancement. Completing the cycle of an employee’s tenure with you in a powerful way can set the stage for the new replacement as well as empowering the team members who remain. Here are a few questions to consider:
How can you acknowledge the person leaving in a way that she and everyone else on your staff are left empowered? One effective way can be a ‘reversed roast’ where, during an evening celebration you and your fellow staff members acknowledge and appreciate the person for their contribution.
What skills, attitudes, and characteristics did this person have that you want to find in her replacement? What didn’t work well that you could learn from and improve the next time?
Is there anything else you need to say to this person that would make the relationship be whole and complete? Here’s a simple test: Imagine that you ran into this person in six months in the aisle of your local supermarket. Would you try to avoid heran indication that the relationship’s incompleteor would you feel comfortable walking up to her and saying hello?
Appreciate individuals’ talents
Learning to acknowledge and appreciate your team members with sincerity is a powerful coaching tool. One approach is to acknowledge people for what they do. For example, you could say to your receptionist, “I really love how you keep your work area and the reception room so neat and clean. Thanks for taking the time at the end of the day to tidy up in preparation for the next day.” You can acknowledge people for what they have. For example, “I love your beautiful handwriting, Dottie. It certainly makes it much easier and pleasurable to read the notes you leave me.”
Perhaps the most powerful and empowering acknowledgement is to thank people for who they are. “Thank you, Cathy, for your gentle and generous spirit. Your lightheartedness enriches our practice.”
Stay in the game
Once you’ve implemented coaching in your practice, don’t think your job is done. Coaching is an ongoing job and your relationships need periodic tune-ups. So ask yourself:
Are my staff members and I continuing to create an empowering climate of coaching?
Is everyone clear about which shared commitments form the foundation of our coaching relationships?
When was the last time I had a private coaching session with each staff member? (If it’s been more than a month, it’s time to schedule a meeting.)
Are my staff members offering to coach each other? If so, this is a good sign, especially if the offers are being accepted by the other person, and even more so if they are then taking the coaching. These are powerful indicators that you and your team are creating a climate of coaching.
It was through creating a climate of coaching in my practice that allowed us to increase its gross income by over 40% in one year, while I also moved from a state of burnout to really loving what I was doing. Coaching works!
©2005 Brad Swift of Life On Purpose Institute, Inc.
This article can be reprinted freely online, as long as the entire article and this resource box are included.
Dr. Brad Swift founded Life On Purpose Institute in 1996 with the vision of creating a World On Purpose by assisting people like yourself to clarify their life purpose & live true to it. Determine how on or off purpose your life is with the fun & insightful Self Test at:
http://lifeonpurpose.com/_forms/self-test.php?source=ezart
Inspire yourself with a fr.ee subscription to Purposeful Pondering Ezine:
http://lifeonpurpose.com/index.php?dir=_ezines&task=view-ezines
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May 25th, 2008
Conducting an interior inspection with the borrowers present can
be tricky and time consuming. This report is for you to be able
to learn from my experiences, and help you to provide a
professional inspection.
Before arriving at your inspection, pull the tax record and any
previous listing information, this way you can have an idea if
there have been many or few changes since the last purchase.
Once you arrive at the subject address-take any exterior photos
that you need. Promote a professional appearance and provide a
business card upon introducing yourself. It is sometimes a scary
event for people to let strangers into their house. By providing
as professional an appearance as possible, you will help to put
their feelings to rest.
Ask your homeowner to give you a tour-this way they can identify
the changes that they have made to the property. In each room,
ask them what they have done since the last purchase or finance.
“Is this carpet original to the house?” “Did you convert the
garage into a family room, or was this done before you moved
in?” Be sure to do the same for the exterior-have they
re-landscaped? Is the deck new? Did they add the fence? What
about a sprinkler system?
Many homeowners will spend time proudly showing their home. If
the home owner is a “Chatty Cathy” I have found it useful to
refer back to an inspection check list in order to keep the
inspection moving along.
Remember, you are not a structural inspector, no need to be
going under the house and into the unfinished attic.
I have encountered many things in our inspections and they make
for great dinner table conversation. One of my favorites was the
house that had Liebe and Stafanos, the two family dogs that were
long since deceased! They were stuffed into their hunting poses
and very large. The homeowners reminded me that these would not
be included in the sale of the house and to be sure to take out
their value in determining a price!
I have arrived to tea set at the table, with cookies and fine
china, and to housewives exclaiming that they haven’t had time
to clean, so look out for the diapers on the living room floor.
Interior inspections are a part of our business; they can also
be an adventure-so be safe and have a good sense of humor!
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May 24th, 2008
Good medicine?
So, why not leave well enough alone? Do I really have the energy to make my wife feel like a million bucks? Well, caring for our relationship with loved ones is good medicine.
Having someone to love and nurture is an integral part of being human.
Having someone love and nurture us is just as important.
Life and success are much sweeter when you have someone to share them with.
What is the point of a great story without someone to tell?
Love is the spice of life!
But, what if…
But, what if your love life is not so sweet? What if you feel like you have tried everything and she is still not happy? And neither are you? What then?
There’s Bad News and there’s good news…
The bad news is that relationships do take work to maintain their quality. With time we all tend to become comfortable with each other and before you know it, we are taking each other for granted, overstepping the other’s boundaries, and just plain ignoring each other.
Now, you might be saying, but she doesn’t appreciate me. I work 70 hours a week to provide for my family and all she can do is complain about me not sharing enough of myself. Or, I can’t find a time when we are not either arguing or giving each other the silent treatment.
Well, these are real issues to talk about. But, you may benefit from letting the past go.
Previously, you may have thought you should learn from past mistakes, and this is sometimes true. But, when we get so emotional about past issues and arguments, that we are not in any mood to try to make things better in our marriage, then it may be time to forgive or at least forget.
I am in no means putting blame on one partner or the other. It takes two to tango.
But, if you are fed up with a crummy feeling every time you come home, then taking the first step or two towards making a better relationship is what you must do.
Now, your next thought is probably, hey, why do I have to be the one making the changes first? One thing about marriage, if you want to be truly happily married, you have to stop keeping score.
So, are you ready to start the first day of your NEW marriage? The one where you can’t wait to get home to your wife to tell her about your day? Where you have great vacations together? Where you always feel loved, appreciated, and respected?
Well then, let’s get started!
The Good News…
Women like certain things. Doing those things will change the dynamics of the relationship dramatically and relatively quickly.
There is much that you can do to spark that old flame in your partner, to make her feel loved, cherished and yes, like a million bucks.
NOTE: Before you read any further, take some time to think about her and what she
TRULY cares about. This step is very important in defining her preference between the many options of behavior on the list Love Actions List.
Some women love to receive presents, others just want you to sit and talk them, and others want you to respect them by helping around the house. It is important to find the right “prescription” for success.
Speak To Her Heart
By examining the evidence your wife has given you, you can create a plan of Love Actions, perfect for her. By the way, just knowing that you are thinking about her and her preferences would warm her heart. Write down the answers to these memory questions. Don’t think of whether you would want to recreate them but just write them down for now.
What did she used to love to do together, but now you do not usually have time for?
Is there something that she has been asking you to do that you have been putting off?
When do her eyes smile when you say or do certain things?
What places did she always want go, but, never got around to it?
________________________________________________________________
________________________________________________________________
________________________________________________________________
________________________________________________________________
Now with those things in mind, read through the list. Check off a few ideas that closest match ideas you have above or any new ideas that are what you believe would really get her excited and happy.
Gifts of Love Actions List
□ First and foremost, I know this seems too simple, but sometimes all a woman needs is attention and time. Reconnect with her with this simple formula:
Attention + Time = Million Bucks!
Attention= Listen to her and actually think about what is important to her.
Time= Undivided. Find a place outside of the home; leave the cell phones and PDA at home. Keep in mind that you may not have REALLY listened to her in a long time, so it may not come easy. TALK to her about what she is interested in. RESPOND by asking additional questions and try to learn something new about her. Try to do this at least once a week.
Some questions to help you reconnect:
What regrets does she have and what challenges does she face?
What are her biggest fears?
What is the craziest thing she has ever done? Or wants to do?
What are her hopes and dreams for the future?
When she old, how will she measure her success in life areas of family, love, and money?
□ Schedule a weekend off from work where the two of you can go away together. Ask her first where would she like to go? Spend time walking, eating, or just lounging. Bring her shopping for a special present. Ask her what she really wants and wait patiently, saying that you want something that will remind her how special she is to you. Think back to when you were dating. Talk about why you were attracted to her and why you
fell in love.
□ Buy a card for her and write something special for her. Tell her what you appreciate about her and how much you love her. Try on scratch paper first and see how it sounds.
Think of when you were dating. Would you have just scribbled I Love You? Or would you have gone on about how she looks and smells etc. and how it makes you feel when you see her or when you are close to her?
□ Get your message across in different ways! The element of surprise can make life more fun and exciting. It also shows that you love her so much and you just cannot wait to tell her. Write sticky note and put it in her briefcase. Leave a message on her voicemail or answering machine. A little goes a long way when it is not your normal behavior. She will start to notice the change in you.
□ Make and effort to speak well of her when you speak to your friends and family. When someone asks about the kids or her business, find a way to give her a raving review or compliment. Her heart will swell and it will in her mind establish her as secure within your heart.
□ Do something new and fun together. Our busy lifestyles cause us to forget that fun is important. Instead of going play golf with your buddies, ask her to go to the amusement park or to play a game with you. Do something that you have never done before or that you haven’t done for many years. Bake a cake, sing together to the radio, play miniature golf; something not too competitive that gives you time to laugh together again.
Laughter is the best medicine for a tired marriage.
Now, write down any ideas that may have come to mind. Also, write a date a time for the chosen activities. Make sure to ask her if her schedule is clear.
Date: ____________
______________________________________________________
Date: ____________
______________________________________________________
Date: ____________
______________________________________________________
Hopefully, you found inspiration for your upcoming days. But, if you may feel there is too much tension between you, maybe you can start slowly. The first suggestion of time and attention is usually a good start in any marriage. You may find that you need a supportive environment to get started. If so, support is here.
Support
Relationship coaches around the world are supporting and providing accountability to couples, helping them to start their living their life as they have always wanted to, but did
not know how. Once a week, time is spent brainstorming solutions to issues and problems with great results in keeping their relationship healthy and fulfilling.
Start NOW!
Start now in making your wife feel like she’s worth a Million Bucks!
Please let me know your experiences and how this changes your life!
This article was written by The Physician’s Life Coach, Christie Scott, of Extreme Success Coaching. You have permission to reprint this article ONLY in it’s entirety and with this box included.
Discover the #1 reason patients sue their doctor,
email extremesuccesscoaching@yahoo.com
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May 24th, 2008
Financial Gurus will tell you to do the same kind of comparison
shopping for a credit card that you do when you’re looking for a
mortgage or a car loan. This is a good idea because the choices
you make can save you money. The process is comparable to a
standard loan, just with a few considerations to keep in mind.
Credit Card Guide - There are many online guides that show you
great credit card offers. Our Low APR Credit
Cards Directory is sorted by APR (interest rate) so you
can easily find the best card for you. There are many cards that
feature 0% interest for anywhere from 30 days to 12 months.
These cards can save you some money fast if you transfer over
balances from other cards.
You might also check a credit union. Credit unions are
non-profit, and they have lower overhead so they can charge
lower interest rates. Credit unions are newer to the credit
industry so they are eager to generate credit-card loans.
However, you’ll probably be required to open a share account or
savings account to join.
If you always pay your monthly bill in full, the best type of
card is one that has no annual fee and offers a grace period for
paying your bill before a finance charge kicks in. If you don’t
always pay off your balance each month (like most of us), be
sure to look at the periodic rate that will be used to calculate
the finance charge.
Some credit cards, such as American Express, require you to pay
off all of your charges each month. As a benefit, they usually
have no finance charge, and sometimes no maximum limit. Most
cards, including Visa, MasterCard, Discover and Optima, offer
what is known as revolving credit. This means they let you carry
a balance, on which they charge interest (finance charges), and
they require you to make a minimum payment. The minimum payment
is usually about 5 percent of your current balance or $10 –
whichever is more.
Transferring balances from one card to another to take advantage
of low introductory rates is a common practice among U.S.
cardholders. Low introductory rates can be very helpful in your
quest to become free of credit-card debt. You should look for
credit cards that offer a low intro rate (usually for six
months), and transfer the balance from your previous credit card
to that credit card.
Low APR Credit
Cards Directory is sorted by APR (interest rate) so you
can easily find the best card for you.
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May 24th, 2008
First and foremost let me state here and now for the record, that Canada is flexing its military muscle once again. It seems that the nuclear sub - I forgot the name but there is no mistaking it … Canada has only one, bought second hand from Britain - that had to be de-commissioned because it was leaking underwater, is now going to be re-commissioned. Apparently the leak has been fixed. Alright, now that we can sit at the table on even footings, let me go straight to the point.
A caveat must be made here to the extent that the purpose of this Article is not to compare real estate markets but, rather, to compare economic environments. It is next to impossible to compare real estate markets since, as experienced investors no doubt already know, real estate markets are far too many and too varied to render any comparison at all meaningful.
A recent report prepared for and on behalf of none other than The Bank of Nova Scotia and released in February reveals, among other things, that the 2005 Household Debt to Income indicator measured as a percentage of disposable income is 13.8 percent in the United States (and rising), and 7.7 percent in Canada (and falling). The Household Debt to Income indicator, also known as ‘debt service ratio’ is very important, in that it measures the ratio of the mortgage payments to disposable income. Clearly the lower the indicator the lower the incidence of service debt on disposable income, and the higher the cash reserves. When the ratio gets too high, households become increasingly dependent on rising property values to service their debt.
The Household Debt to Income indicator, therefore, is nothing more than a measuring gauge of property owners’ wealth. The above figures just released merely reflect the fact that Canadian property owners keep the yield they receive from their real estate investments, contrary to their American counterparts. This is so because the financial leverage of each country is different. Financial leverage takes the form of borrowing money and reinvesting it with the hope to earn a greater rate of return than the cost of interest. Leverage allows greater potential return to the investor than otherwise would have been available. But conversely, the potential for loss is greater because if the investment becomes worthless, not only is that money lost but the loan still needs to be repaid.
Because real capital appreciation has been constantly more remarked in Canada than in the United States these past few years, it turns out that leverage is stronger in Canada than in the U.S., meaning the spread between real capital appreciation and cost of borrowing is higher in Canada. And this notwithstanding the fact that mortgage rates in Canada are typically nominally higher than in the States and that, in fact, wages in Canada are typically nominally lower.
Household Debt to Income influences another economic indicator important for real estate investing: the Household Debt to Equity Ratio, also known as ‘loan to value’. This is the ratio of the mortgage debt to the value of the underlying property and it increases when homeowners refinance and tap into their home equity through a second mortgage or home equity loan. According to the report of The Bank of Nova Scotia, the 2005 Household Debt to Equity Ratio is 73 percent for Canada (and rising) and 53 percent for the United States (and falling). It is easier to understand loan to value by looking at things in reverse. A 73 percent ratio simply means that the cost of borrowing is the difference between 100 percent of total value of the real asset minus the owner’s equity - in the case of Canada 100 - 73 = 27 percent. Hence, average cost of borrowing in Canada expressed as a percentage of disposable income was 27 percent in 2005 as opposed to a whopping 47 percent in the United States.
As stated before, this ratio increases when homeowners refinance and tap into their home equity through a second mortgage or home equity loan. Which, therefore, again goes a long way to point out what American property owners do with their equity - they spend it, in contrast with Canadian property owners who instead save it.
This brings into light the real essence of the difference between investing in an environment such as the American as opposed to the Canadian. The American economy is based on consumption and gives priority to consumerism, that is spending as opposed to saving. As such, Americans typically earn higher wages, at times make even a higher capital appreciation but ultimately end up spending more and saving less. Canada, on the other hand, gives precedent to saving, so that Canadians are cash and equity richer, even in the instances when they actually make less money. Which, at the end of the day, makes Canada a much more stable environment when it comes to investing. This goes further to explain why the American economy is far more susceptible to interest rates variations: with a domestic debt load nearly double, the economic ripples caused by shifts in cost of lending travel twice as far in the U.S. than in Canada.
A fact, this, that is reflected in the weakness of the Greenback vis–vis the Loonie. The Canadian Dollar has steadily gained value, according to the report, rising from a low of USD $0.62 in 2002 to USD $0.86 in 2005 and thus making the purchase of American real property assets more affordable for Canadians. Which is no good news to American mortgagors, since an increased international demand for the Greenback will cause a rise in domestic interest rates and, in turn, a higher Household Debt to Equity Ratio which will lead to an even higher Household Debt to Income indicator.
Luigi Frascati
Luigi Frascati is a Real Estate Agent based in Vancouver, British Columbia. He holds a Bachelor Degree in Economics and maintains a weblog entitled the Real Estate Chronicle at http://wwwrealestatechronicle.blogspot.com where you can find the full collection of his articles. Luigi is associated with the Sutton Group, the largest real estate organization in Canada, and is based with Sutton-Centre Realty in Burnaby, BC.
Luigi is very proud to be an EzineArticles Platinum Expert Author. Your rating at the footer of this Article is very much appreciated. Thank you.
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May 23rd, 2008
Wine is grown all over the world and in all fifty states in the US. Why is the Napa Valley so terrific? Sonoma is bigger and produces more wine. The central valley of California certainly produces more grapes. There are awesome wines made all over California. So, why is Napa special? Of all the wineries in California, over 360 of them are in the Napa Valley. That’s a clue! Also, the Napa Valley is the second largest tourist destination in California behind Disneyland. Wow!
What makes the Napa Valley so special is its geography.
If you have ever been to the Napa Valley you will immediately relate to this. Napa Valley starts on the north end of San Pablo Bay just off of the San Francisco Bay. Just inland from the bay start two low mountain ranges about 5 miles apart that proceed north. The valley in between those two sets of hills is the Napa Valley. And, as the hills go north, the two ranges get closer together. So, on the southern end they are wide apart and on the northern end, in Calistoga, they are only about a mile apart. This is key.
Because of this geography, you get a wide range of climate and soil.
This is why the Napa Valley is so special. In the Carneros region at the southern end, the climate is cooler with more overcast or fog. This is great for Chardonnay and Pinot Noir grapes. As you travel up valley, the climate is progressively warmer with more sun. So, at the north end, Calistoga is much hotter and dryer and is great for Zinfandel and other warm varietals.
The Napa Valley is only 38 miles long, yet contains a full spectrum of growing regions called appellations. That is the key to Napa Valley’s greatness. In a relatively short distance you can effectively grow a wide variety of excellent grapes that turn into terrific wine. In this one valley you can find Chardonnay, Pinot Noir, Merlot, Cabernet Franc, Cabernet Sauvignon, Syrah, Sangiovese, Zinfandel, Sauvignon Blanc, Viognier, Malbec, Petite Syrah and several other varietals. That is a lot for such a small area.
Robert Mondavi realized the fantastic potential of the Napa Valley when he began growing grapes in Oakville. Today, his winery produces excellent wines and his Opus One winery produces outstanding Cabernet Sauvignon.
He certainly is not alone.
There are over 360 wineries in the valley and they all have their own, unique wines and wine making philosophies. Some wineries and wine makers produce good wine, while others produce fabulous wines. And, many of the fabulous wines are very reasonably priced… but we’ll cover that in another article.
The Napa Valley is a terrific destination for wine lovers and those wanting to learn about wine. The large number of wineries in this beautiful valley enable you to see, taste and learn a great deal in a short stay. Why not plan your next vacation to go to the Napa Valley?
Steve and Lynnette Sands own La Belle poque Bed and Breakfast in Napa. You can view their Inn at http://www.labelleepoque.com or Napa Valley Bed And Breakast.
For information about tours, visit the Napa Valley Wine Tours web site.
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May 23rd, 2008
A thousands of new home businesses starts every day. Internet is
exploding and more and more people want to use that information
highway to start or expand their existing business. Many of them
fail in the first few years. The reason why is that happening is
very simple. They didn’t succeed to create a system that
generate Multi Streams of Income. To achieve that you must work
multiple affiliate and/or network opportunities. The super
affiliates and network marketing leaders do the same, but they
don’t want to talk too much about that. This is one of the
reasons for their success. It’s very risky to run only one
opportunity. If or when your opportunity goes out of business
you will must start from beginning. All companies declare to run
only their business opportunity. But that is their self interest
and if you really want to protect yourself from financial
tragedy you must work multiple opportunities. For example, in
the 50 years or more long history of network marketing there was
a thousands of companies involved. Today only about 40 still
exist. So there is no question If, but When will some company go
out of business. That is the main reason why you must run
multiple opportunities to protect yourself from financial
disaster. Fortunately we have a powerful Affiliate programs
technology on the internet that helps us to run multiple
opportunities. Affiliate programs are very popular today and
they have a proven technology to run multiple opportunities and
to get referrals. This consumer to consumer marketing system is
growing and it works. It’s little impersonal, but it’s very
efficient and in that moment the most successful business model
on the internet. Affiliate programs are usually two tiered and
with little or no money you can start earning commission almost
immediately. But there is the dark side of running affiliate
programs as well. Majority of affiliates don’t have enough
knowledge to use internet technology and successfully promote
their opportunities. On the other hand, the business opportunity
owners usually have the same problem. Most of them don’t know
how to successful run business on the internet. There are
exceptions, but they are in minority. We all know the financial
result of running these programs. Affiliates make little or no
money and they are unsatisfied. Very small percentage of
affiliates makes $50,000 or more money per year. Affiliates
become disappointed and immediately jump into another affiliate
program and the story repeats over and over again. The question
is: What to do to step out of that magic circle? The answer is:
You must have your Own Business Building System. Working
multiple opportunities is not enough. You need business building
system that will generate multiple streams of income in long
term. To be really successful you must have a business building
system that will generate multiple streams of income over and
over again. Business building system must use the power of
internet technology and must integrate a positive experience of
affiliate programs technology, internet marketing and direct
marketing. Fully automated, internet based business building
system will help you to create tremendous profit center. This
business system will give you ability to run your multiple
opportunities through one system from your home. Self-replicant
fully automated business building system will help you to create
your own permanent sales organization. Using cutting edge
internet technology you will be able to create an international
communication system through intranets, web casting, multimedia,
video-conferencing, online trenings, live seminars. For the
first time in history of network marketing you have complete
software and internet tools for solving 3 major things in
network marketing: Duplication, Training and Communication and
put them on the internet. This powerful system use affiliate
programs technology upgrading it with tools and specifics which
are necessary for running network marketing business. Your
downline grow faster and you have more time for developing
personal relationships which are so necessary for building a
long term sales organization. Using affiliate programs referral
building system in combination with network marketing
compensation structure you become Winner. This proven business
building system gives you ability to run as many opportunities
as you want. You will create your own distribution channel which
will give you a financial freedom. No more you will depend on
any company or article. It will be easy to replace one
opportunity with another opportunity. You will have more time to
choose lifestyle you want to and financial freedom to enjoy it.
At the end let us see once more what do you need to run
successful long term automated, internet based home business: 1.
Computer, internet connection and phone. 2. Multiple affiliate
and/or network marketing opportunities to run. 3. Cutting edge
fully automated, internet based business building system to
create Multi Streams of Income in long term.
To learn more and to get your own business building system for
Free, visit: http://www.netmarkpro.com/agroteam
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May 22nd, 2008
Once you’ve found out the number of links to your site by using www.linkpopularity.com or another link checker, It’s likely you will want to add quality links to your site. There is software that can do this, but beware of any software or service that promises you a large or automated increase in links. Some of these companies simply create reciprocal links among their clients, regardless of the appropriateness of the links or the content on the sites. The patterns of site reciprocity created by such companies has been identified by the major search engines, and they will discount such efforts in your rankings.
The better approach, from a business as well as a site ranking viewpoint, is to identify, using LinkPopularity again, the companies that link to your competitors, suppliers, research sites that serve your industry, consumer forums, government statistics - anything your site visitor will be interested in. Then see which ones do not link to you. Review these sites to determine what benefit both sites could get from reciprocal links. Then send a request - kind of like a sales letter to each of these sites, stating why you feel a link would be advantageous to both of you. If they agree, be sure to monitor their links regularly to ensure that your links are still active.
By carefully building a network of links, you will increase the likelihood that your site will rank higher in the search engines. You’ll also build relationships with companies and other sites with potential for future sales and partnership efforts.
Karen Kari’s articles and more information on the affiliate business can be found at:
http://www.affiliatebandit.com
http://www.advertisingcellar.com
http://www.billionfreeads.com
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May 21st, 2008
Now, let me explain how insurance works in a language you can
understand. No legal-ese here. You either buy your own insurance
or your employer provides it, usually at a reduced cost to you.
You or your employer buy a certain level of coverage, be it
80/20 (80% of ‘reasonable and customary” charges paid by your
insurance, the other 20% paid by you) or 90/10, or 50/50, etc.
They all work the same with different payout levels.
Now, let me explain how “reasonable and customary” charges are
compiled. The insurance companies may survey 10 or more doctors
in your area for what their current charges are, by procedure.
Out of these surveys, an average will be reached. That average
is considered the ‘reasonable and customary’ charge for your
area. (Note: I don’t think there is a set time for how often
‘reasonable and customary’ charges are updated, so buyer beware!
You know prices can go up at without notice).
Now, when you or your employer goes to buy insurance, the
insurance company will have several plans to choose from. The
best, most costly plans will pay for 100% of ‘reasonable and
customary’ charges, next is 90/10 and 80/20 plans (80% paid by
insurance, 20% paid by you, etc.) So far, so good.
Other, lower cost plans may pay only 80% of the ‘reasonable and
customary’ charges (again, it may be 80% paid by insurance, 20%
paid by you, but the amounts paid by insurance will be lower
because it’s only paying 80% of the ‘reasonable and customary’
amount). Your insurance company will have plans for 70/30,
60/40, and so on, with the lower the coverage, the lower the
cost. You or your employer decides your level of coverage.
This can be confusing, so let me show you an example. Let’s say,
reasonable and customary (R/C) amount for a procedure is $100.
Insurance A pays 100% R/C, and is split 80/20. Insurance A pays
$80, you pay $20
Insurance B pays 80% R/C , and is split 80/20 (80% of $100=$80)
Insurance B pays $64 (80% of $80) and you pay $36 ($100 - $64)
Some insurance plans offer payments by ‘fee schedule’, setting a
flat fee per procedure and paying a certain % of the fee
regardless of what the actual R/C is. They may still call it
their ‘reasonable and customary’ charges, however.
My insurance has a deductible. How does that work?
Ok, let’s say your insurance has a $100 deductible. Deductibles
apply once every year, be it calendar year or business year.
Some businesses have a business year that begins in, say, June,
and ends May 31st of the following year. For this example we
will assume your insurance goes by calendar year, January to
December. Assume you go to the doctor in January for a covered
procedure, and the charge is $100, and your insurance pays 100%
R/C on a 80/20 split. If your deductible was met, the insurance
would have paid $80. However, since your deductible has not been
met, $80 of your doctor’s visit will go toward your deductible
and not be paid to anyone. Most patients do not realize that the
amounts that go toward the deductible are only what insurance
would have paid, not the whole charge.
What is a ‘provider’ for insurance and is my doctor one?
Insurance companies try to sign up doctors as ‘providers’ for
them, as a way to entice patients to their practice. Upon
agreeing to be a provider, the doctor agrees to accept only the
insurance payment and writes off what the patient would normally
have to pay. Of course, the more the insurance company will pay,
the bigger incentive for the doctor to sign up. Or they may
consider the largest industry in the area, and sign up with
their insurance carrier to get a steady stream of patients. You
can bet, if your doctor is signed up as a provider for a large
number of insurance companies, an appointment will be harder to
get. Most, however, will sign up for your state or city’s plans
and only the most popular. Keep in mind it is an incentive to
get patients. Some practices may already have more patients than
appointments and have no need to be a provider for insurance.
Does you doctor charge more than average?
You can conduct your own survey and find out. Call around and
ask what a typical office visit will cost (or choose any
procedure you want) from several different doctors, then get
your average. Be sure to compare apples to apples, though. If
your doctor is a specialist, compare with only other specialists
in the same field.
Don’t have insurance?
There are plans you can buy that provide coverage for most
medical and dental procedures. These plans are usually
reimbursement plans where you pay for the service and submit
receipts to them yourself. Some are expensive, some are
reasonable. You really need to shop around.
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