Business

Financial advisor or investment advisor?

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We, the investors of the world, have provided the funds that American companies have needed to finance their growth for the last two hundred years in exchange for the right to share in that growth and profits that were previously only given to owners. The relationship between investor and management has worked so well that an entire industry has evolved to meet investors’ growing needs for information and advice to help investors make sound investment decisions. The financial services industry, originally only available to the very wealthy, has grown over the decades to be the provider of investment information for an estimated 40% of American families.

Most financial advisors are affiliated with large investment firms that channel the firm’s collective knowledge, information and experience to their cadre of advisors for individual and institutional investors. In theory, this gave investors associated with large companies return potential that they could not achieve on their own or in association with smaller or independent advisers.

So the financial advisor who advised you and me was actually taking the “expert knowledge” of companies, tailoring it to our cleanup, and advising us where we should invest our savings to achieve our financial goals. We were told that since 1900, if you stayed invested in a well-diversified portfolio, you would never have less than when you started in any ten-year period.

So what happened in the last decade? Most of us lost a sizable chunk of our savings in the 2001 tech bubble only to lose more of our savings in the subprime bubble. The $100,000 we had in January 2001 dropped to $60,000 in October 2003, then increased to $80,000 in July 2007 and is now worth $40,000 today. We are eight years closer to retirement and we wonder how we will survive if we ever do retire.

Do we just plan to work for the rest of our lives? Do we work until we can’t get into Medicaid and welfare becomes a drain on the US economy? Do we take what we have left and develop a strategy and lifestyle that allows us to live a comfortable life without being a burden to our children and our country?

Personally, I think the latter option is the best option, but it will require an adjustment in our attitudes and lifestyle. One of the adjustments has to be in the way we look at the investment markets and our financial advisors. Whether or not you need to change your financial advisor, now is the time to evaluate the performance of your current advisor and decide if it’s time to make a change. I am talking about a financial advisor, not an investment advisor, there is less than 5% of the world’s population that should seek the services of an investment advisor. The investment markets are not a place most of us turn to make money; they are a place for us to preserve the capital we have left and grow that capital at reasonable rates of return.

The first step in choosing your new financial advisor is for you to decide what you want from your advisor after your attitude adjustment. Here are some of my suggestions:
o Help me preserve my remaining capital and grow it at a conservative rate of return.
o Help me live within my means and establish an investment strategy based on my needs and goals.
o Help me protect my family from loss of earning capacity or death.
o Help me and my family reach our financial goals before retirement.
o Help me accumulate enough to enjoy a comfortable retirement.
o Help me assess my need for long-term care insurance.
o Help me set up an estate plan.

Once you know what you want from your advisor, you’ll need to find a qualified provider. As in all professions, the first qualification to look for is education. Your potential advisers will have a Series 66 or Series 7 securities license, as well as an insurance license and a variable products license. A Series 66 allows them to sell mutual funds and a Series 7 allows them to sell stocks, bonds, options, and mutual funds. A Series 7 is a deeper course of study than a Series 66, so I would eliminate anyone who doesn’t have a Series 7 securities license.

Seventy percent of people who represent themselves as financial advisors stop studying beyond their licenses and their required annual continuing education. It’s the other 30% of advisors you’re looking for. These are the people with initials behind their names that represent professional designations. At the top of this designation hierarchy is the CFP (Chartered Financial Advisor) designation. A CFP is comparable to a master’s degree in financial planning; three years of study and at least three years of practical experience are required. To find a CFP in your community, go to: cfp.net/search. Other designations such as ChFC (Chartered Financial Consultant) and CLU (Chartered Life Underwriter) focus on specific segments of the financial advisory field. These designations are comparable to Board Certifications in the medical fields, and I personally would not put my finances in the hands of anyone who does not take their profession seriously enough to seek all the education available. This search can leave you with a list of three hundred to three hundred depending on the size of your community. I suggest you check out BestofUS.com, a website that lists the top ten professions in the United States. This should help you narrow down your list to a manageable number of qualified advisors.

Next, go to the NASD (National Association of Securities Dealers) website and search for their short list of qualified advisors. (finra.org/Investors/ToolsCalculators/BrokerCheck/index.htm) Here you can learn about your prospective advisors’ work history, licensing history, and whether they have had any legal or disciplinary action taken against them. We’ve been through some pretty tough financial times in the last ten years and a lot of good advisors have been sued, so use this information as a means of asking your potential advisors some tough questions. “Can you tell me what these topics are about?” Now Google your shortlist and see what you find; you will be surprised what you will learn.

At this point, you need to sit down with those left on your short list. Here is a list of questions to ask.

o What is your approach to financial planning? If they don’t address the “Help Me” points above, you’re not a financial advisor. If they start talking about managed accounts, sector investing, momentum, technical fundamentals, or options strategies, you’re talking to an investment advisor.

o What was your book of business value on March 1, 2008 and what is your book of business value today? Can I see support reports? They are going to ask to see your finances, it is fair for you to ask to see theirs and if you are down more than 25% you are in the wrong place.

o How do you get paid? There are only three possible answers here; commissions, asset base compensation, gold fees. Most will be a combination of all three possibilities; The one you should be aware of is commissions. Commissions can create a conflict of interest. Asset-based compensation means that as your assets grow, your compensation grows, or as your assets go down, so does your compensation. I liked that it results in a common goal. The fees will involve special work like a financial plan or a research project related to your specific situation, and that’s fair.

o How often will we meet to review my situation? This should be at least twice a year.

or tell me about yourself. How long have you been in business? Do you have any professional designation? Have you had any legal or disciplinary action taken against you? What is your work and educational experience? Have you written any books or articles that you can read? You know all the answers, just sit back and judge.

By following this process, you will find the best financial planner for you. You may end up with the person you have been using, but now you know they are qualified to provide you with the service you need from your new financial advisor.

Choosing your best financial advisor can be just as important as choosing your best doctor, so do your homework, then take responsibility for your decision. As it is the management of your health you have to take an active role in managing your finances; stay involved and understand everything.

Home Kitchen

Relaxed Luxury Vintage

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Laid Back Vintage Luxury, a stunning waterfront home designed with open spaces to make everyone feel accessible and connected. Large cusped windows accented with ancient Indian arches showcase the spectacular ocean views. Relaxed, understated and informal interiors, perfect for entertaining or just spending a lazy afternoon reading your favorite book to the music of nature.

A feeling of cozy living combined with old woods and architectural pieces that tell stories of their former owners. The doors and arches of the Old Haveli have soft weathered textures and patinas that lend a warm elegance to the décor.

An open living room and kitchen area with extra wide sliding carved barn doors leading to the patio. The barn doors are created from carved Indian panels of Buddha, Krishna, Ganesha in subtle colors, when closed they are beautiful works of art. When opened, the doors nearly double the living space. Slower paced, relaxed calming energies fill the room.

Casual waterfront entertaining with close friends is the main thought of relaxed vintage interiors. The living room features a long three-arched gallery showcasing ocean views, an iron-studded coffee table, and a custom antique door where the family plays cards and watches movies. The old sun-bleached reclaimed doors in the wall act as masterpieces of architectural art giving an old world vibe.

The upper floor features two master suites, each with balconies and incredible ocean views. Each of the five rooms is inspired by various cultures, so each guest feels like they have their own personal retreat.

Textured old woods bursting with color and carving, from the sideboard under the TV in the living room to the “manjoosh” in the kitchen. An ancient and beautiful Haveli door whitewashed with natural texture by the sand wind is the head of the king that catches your eye as you pass through the arched doorway. The gentle breeze flutters the sari drapes bringing the romance of a bohemian rhapsody.

When styling the laundry space, Indian-inspired whitewashed laundry cabinets complete the vintage look. Old reclaimed wood is used everywhere from the study table to the bookshelves in the library. Made from old door frames, they even have the house number inscribed on them.

A huge antique door frame wall mirror in the bathroom makes a big statement. A lush carved rustic sideboard has been converted into a double vanity with copper sinks. Enjoy the warm woods and soft earthy sensations of old reclaimed woods. Grounding and nourishing woods give beautiful energies to the living space and the house becomes a home.

Digital Marketing

B2B digital marketing

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How you allocate your time as a salesperson is key. In particular, maintaining a healthy pipeline requires that you balance your efforts between:
• Focus on closing the most likely deals for this quarter.
• Encourage those prospects with potential for the next quarter.
• Generate new prospects to enter the top of the sales funnel.

Getting the balance right can be a challenge. The key to efficient use of your time is a lead and opportunity pre-qualification system that you are going to focus on. But, too often, prequalification is applied forcefully. Applying the popular BANT criteria (budget, authority, time, and need) too rigorously to an inbound inquiry or cold call could exclude most of the market, including many companies that don’t have a budget for their solution now, but they still represent potential. customers.

In addition to selling to those who are already actively seeking a solution in the market, every sales organization must generate, foster, and nurture demand for its solutions. That means sales and marketing must work together, substituting marketing for prequalification at the lead generation stage. While some leads are classified as sales or ready for sales meetings, others that are not ready for the next step are not wasted, but nurtured. Later in the sales cycle, prequalification becomes more important, as the time and resources you must devote to an opportunity increase. Progressive pre-qualification – asking the right questions – ensures that you can continuously adapt your sales approach (if you’re talking to the wrong people or addressing the wrong requirements) to ensure you have the best chance of success.

Prequalification, like all aspects of selling, is not something you do to a potential customer, it’s something you do with them. It should be a two-way process: that means asking the customer what stage they are in and what they want to do next, if at all. It is important to remember that you have to earn the right to ask progressively more direct and searching questions.

Your approach should reflect the stage of the buying cycle (if there is one) you’re both in, as shown in the table below, ideally incorporating as many buyer-focused questions as possible.

The decision to participate in the buying process, in itself, is a significant commitment of resources on the part of the buyer. For this reason, it is usually done in stages, first requiring the sponsor in the buying organization to present a rationale for a purchase decision and preparing a business case.

• Only a limited number of projects can be evaluated at a time. This means that even if a project is of interest, the time may not be right. As a supplier, you need to show buyers how your project can impact their immediate business priorities.

• Given the cost and time required, organizations will want to ‘kill’ poor projects as quickly as possible. You may have to do most (or all) of the initial execution of a project to gain traction.

• Organizations are standardizing their approach to purchasing decisions, including action steps, document templates, etc. This makes the process more repeatable and consistent, saving them time. You need to know, and follow, the approach required.

• Bringing another vendor into the process costs time and money, so don’t expect to be late when you hear a project is being considered, even if your solution is ideal.

• Buyers want to limit the time/cost of the buying process, which means being judicious about the time they spend with sellers. When you want to access all the stakeholders, you have to take into account the fact that this represents an additional waste of your time and increases the cost of the decision.

• Buyers want something back for the time they spend with sellers. They may need to meet with three vendors because their internal process requires three vendor quotes, but if each vendor requires 20-40 hours of time (including briefings, presentations, proposals, ongoing communication, etc.), it’s understandable that the buyer wants some immediate refund.

• Once a supplier has been selected, it makes sense that the buyer would want to develop and deepen that relationship, rather than go through the process all over again. When customers switch to another provider, they face real switching costs related to the process of evaluation, education, and learning to trust another provider.

Relationship

Parenting Struggles: Dealing With “Destructive” Behavior

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It is part of human nature for children to misbehave from time to time. This attitude is a form of exploration into the unknown, to learn about oneself and one’s environment. How is that? From these actions come consequences, and these consequences are another way of learning.

But there will be a distinction between normal and abnormal behavior. It’s how quickly you can pick up the signs and solve the problem. Next, we will talk about:

  • types of child behavior
  • parenting styles and how it affects a child,
  • influence between nature and/or nurture, and
  • chance to eliminate misbehavior.

What you need to know about child behavior

Why is my son behaving “like this”? Is it just a phase or serious signs of abnormality? When will you know if it’s too much? These are some questions that parents ask during the visit to the doctor.

First, you need to know the difference between normal and abnormal behavior. Children, especially young children, are at a stage of knowing what they like and what they don’t like. This is where they show independence and the ability to express themselves through actions.

Coincidentally, young children do not know how to control their emotions. They are still learning to be empathic and patient. Now, not all toddlers are the same, some can control their emotions early on, but others need parental guidance.

Abnormal behavior is when your child’s attitude is too much. Throw tantrums more than three times a day? Or maybe your child regularly hits, bites, and yells at everyone? There are some cases where your child does not respond well to discipline.

To know when to tolerate a certain attitude, it is necessary to know three types of behavior:

1. Normative

This type of behavior is the norm or acceptable attitude in society. It can include a child’s ability to clean her toys, learn to use the bathroom, make friends, and much more.

two. occasional

It is behavior that is only acceptable under certain circumstances. Like throwing tantrums during an uncomfortable event, not playing or eating while the child is sick, etc.

3. Destructive

Attitude of the child that is harmful to oneself and to others. It includes hitting other children, misbehaving in public, yelling at or cursing at parents, etc.

The parent’s response elicits the child’s reaction.

Do you feel that your child does not listen to you? Or does he react in a different way than you expected him to? From the title itself, have you reflected on the type of reaction you show to your child?

A child’s behavior is a reflection of the parents’ reaction. The type of parenting style you use can affect your child in positive or negative ways. How is that? Because the way you react is often copied by your child.

When a child witnesses you talking to your husband/wife, your child behaves the same way. Are you in doubt?

Well, what about the type of food your child eats? One of the parents eats everything, while the other is picky, especially with vegetables. The child will soon think that it is okay not to eat the vegetables because one of the parents does not.

Now, how can you make your child love to eat vegetables when they see that you are not eating them? Isn’t that hypocrisy? When it comes to attitude, your reaction takes its toll. Here are three types of responses:

1. Ignore as a form of discipline

Parents believe that ignoring their child is the best form of parenting. In a way, it can be useful, but only in certain situations. Ignoring your child during his tantrums will send a message that she is not tolerating her behavior or that she will not “buy” him.

The wrong way to use this is when your toddler is aggressively pulling on your hair or not sharing their toys. If you use this type of parenting style, your toddler will interpret it as okay to continue the action/not wrong.

two. active monitoring

Being too controlling can backfire. If you are strict and scold your child every time he makes a mistake, he will be passive and will grow rebellious. Yes, this can be good, temporarily, because your child will want to avoid any punishment.

But sooner or later, your child won’t follow your orders or keep secrets from you. The strict parenting style can also develop a dependent child with low self-esteem.

3. Two-way negotiations

Keep in mind that your toddler is adjusting to a new phase, the phase of learning more about what he feels and wants. If your child misbehaves, he will resort to talking saying, “No, that’s not the right way” instead of “NO! Go take your time now!”

The “time out” is only necessary when your child has repeated a certain misbehavior. So, as a way to avoid any repetition, you need to make sure you get the message across that won’t make the child feel blamed or scolded.

As a parent, be sure to control your emotions and expressions so as not to negatively impact your child’s attitude.

Nature or nurture: Which is the most influential?

Many people debate the influence of the environment and genetics on an individual’s behavior. Nature, known as genetics, is considered the reason why an individual reacts differently from others. While Nurture is also known as the environmental effects.

What do you believe in? Are behavior and/or attitude affected by what a person experiences in their day-to-day life? Or is the cause of this through what he received from his ancestors?

Nature

There are studies that measure the influence of both factors. One case involves twins who were separated as soon as they emerged from their mother’s womb. Years later, they met again and there were many similarities in the attitude of the twins.

Now, the environment they live in is different from each other. One went to a prestigious university with a room of her own, while the other stayed in a foster home, sharing a room with 5 children and attending public school. But why is there a similar attitude?

It’s because of genetics. Genetics play a very important role in the well-being of an individual. Like illnesses and physical attributes, attitude can be passed on.

Nourish

Meanwhile, when it comes to the environment, you need to consider several factors:

  • Interaction with different types of people,
  • family circle and
  • Type of place or dwelling.

Culture is a perfect example of an environmental influence. Each group has different norms and beliefs, people follow this set of rules through observation. When a group of people look up while walking, the others will too, and that’s what we call the bystander effect.

If a child was taught to tidy his room every day, the child will adapt it until he grows up. Instead of a kid who wasn’t taught how to clean.

Now, how can we relate this to the destructive behavior of a child? Don’t limit yourself to one side, be sure to study and find the possible causes of your little one’s attitude.

Is it because you were too harsh in teaching your toddler (environment)? Or maybe your child has some kind of (genetic) disorder?

Is it too late to correct bad behavior?

Studies have found that once a person grows into their 30s and 40s, it will be difficult to change their behavior. It means that it is too late for them to renew because they got used to a certain pattern.

He cites for example a woman who is an impulsive buyer, one way to “change” this is by limiting her options. The truth is that she will not be able to eliminate that behavior completely, what she did was divert her attention to something else. This is different in the case of young children.

Young children between the ages of 18 months and 3 years are still “searching” for who they are. Therefore, there may be cases where the child suddenly lets off steam or throws all the toys that she has.

As long as you don’t tolerate this kind of behavior, it won’t go on like this forever. Is it possible to fix this? Of course! How?

1. No to “shame”

Embarrassing your child in front of friends and family is a form of shame. Today, some parents post their children’s “detentions” as a way to teach them a lesson.

Shaming will not do the parent-child relationship any good, all it will do is create conflict.

two. Punishment is not the answer.

Belts, hangers, and sometimes a broom are what some parents use to punish their child. Other forms of punishment are verbal from shouting while pointing fingers. Once a child witnesses a form of violence, she will do the same to something/someone else.

3. Put yourself in your child’s shoes

Before yelling or doing anything reckless, put yourself in your child’s shoes and see their perspective. What will they feel once they see you react in a certain way? People say that children will repeat the same behavior when you blame or correct too much.

The best way is to teach your child how to behave by being a good example. It starts with you, you define the behavior of your child.

Health Fitness

Why is it important to have rice, ghee and sugar in your diet?

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Who can resist the aroma of pure ghee poured over hot rice and dal with a sprinkle of organic powdered sugar? And today, scientific claims backed by research are directing people to the diet of our grandmothers without any guilt. Busting myths and misconceptions about healthy and unhealthy eating habits, the ‘satvik’ diet of ancient India is getting the thumbs up! Previously considered ‘fatty foods’, today rice, ghee and organic sugar have been shown to give us an energy boost; they help regulate metabolism, delay aging and are now essential in your daily diet.

Rice, Oryza Sativa is a kind of grass that provides various essential minerals, vitamin B, sodium, zinc, etc. Packed with fiber, this gluten-free cereal is a source of vital fatty acids. Brown rice is richer in nutrients as only the outermost layers or husk are removed; this helps maintain a healthy body weight.

Rice is packed with phenols which are packed with powerful antioxidants released during digestion. A cup of rice a day has various nutritional and health benefits. Some of them are listed below:

Reduce the cholesterol

Protects against heart disease

Balances the action of calcium to regulate muscle tone

Reduces metabolic syndrome

Reduces migraines and headaches

Less frequent asthmatic attacks

Reduces the risk of type II diabetes

This cereal crop is part of several cultural cuisines and is a staple food around the world.

Ghee or ‘gow gritha’ in Sanskrit, which means cow’s milk ghee should be included in a person’s daily meals. Pure cow ghee should preferably be poured over rice, dals and rotis to provide all of its nutrients. Ghee made from milk from cows that eat grass and organically grown vegetables is the most beneficial. Fats provide instant energy to the body and are essential for a balanced diet.

1 g of fat provides almost 9 calories, almost double the energy provided by carbohydrates or protein.

Therefore, about 2 tablespoons of ghee per day will give you all the nutritional benefits of this wonderful food. The most misunderstood fat, ghee is a soothing salve that not only brightens skin, but also has many other benefits, some of which are listed below:

Facilitates the absorption of essential vitamins.

It helps form spongy tissue that cushions our joints.

It dissolves waste from body tissues and carries away toxins.

It has a healing effect on the dietary tract.

Mitigates peptic ulcers or gastritis

Contains linoleic acid that fights fat deposits.

boost memory

1 teaspoon of ghee mixed with hot water, taken before going to bed, is the best known purgative. As ghee gains popularity in the West, we Indians must continue to consume this essential food as part of our daily diet.

Organic sugar is raw sugar made from unrefined sugar cane and has more nutrients since it is less processed. Packed with antioxidants, amino acids, various minerals and vitamins, organic sugar or raw sugar should be included in the diet in moderate amounts. Better than refined white sugar, small amounts of organic sugar in your diet will give you an energy spike.

Having rice, ghee, and moderate amounts of sugar as part of your diet will keep your body healthy, your mind alert, and all your organs working steadily. These foods reduce the risk of dementia and Alzheimer’s and protect you from free radical damage. In addition to satisfying our hunger cravings, these traditional foods provide our body with a host of health benefits and therefore should be incorporated into our daily diet.

Legal Law

How do I know when is the right time to change jobs?

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That is not an easy question to answer. After all, a new job might bring you higher pay, more authority, more responsibility, a better opportunity for advancement, even a better work environment. On the other hand, making a move for the wrong reason can send you down a treacherous path and away from your ultimate goal.

Consider the stories of two former clients. Their names are changed, but their stories are true. Jim Peters dreamed of becoming a Sales Manager for a national construction company. After spending five years as a salesman for a Georgia-based construction company, he thinks it’s time to move on. He feels underpaid and sees no room to move forward. After talking quietly with a few local companies (who are hiring salespeople with his level of experience), he takes a better-paying job at an architecture firm.

Four years later, Jim is ready to move again. While he enjoys his boss, the job is more difficult than his previous job and the chances of advancement are non-existent. What’s worse, the 10% raise Jim engineered by switching jobs was also paid to his successor at his old construction sales job.

Given his disenchantment with architectural sales, Jim opts to return to construction sales. Learning that Washington, DC is one of the hottest construction markets, Jim starts looking there. But no firm is willing to raise his salary because his architectural sales experience is worthless. A company offers a job without a salary increase. Jim agrees, rationalizing that there will be an opportunity to advance further. Jim moves to Washington. But the disappointment arises a few years later when his expected promotion does not materialize. Jim eventually buys a fast food franchise with his brother-in-law.

Bill Doyle, a civil engineering student with highest academic honors, dreams of leading a design team for one of the nation’s leading engineering firms designing luxury hotels. But no civil engineering company hires at his university. His resumes do not generate interviews from his target employers. Instead, upon graduation, he settles for an offer from a local utility company.

Three years later, Bill learns of the exceptional wages civil engineers earn in the Texas oil fields. This time, submitting a resume leads to an offer and a 25% pay raise with a major oil company. Bill dicks. Five years later, the oil depression hits and Bill is fired. After six months of searching, he finds a job designing pulp and paper plants for a 20% pay cut. Bill eventually finds his way back into hotel design, as an individual designer, not a manager, for a national chain of rather boring hotels.

Unfortunately, both Jim and Bill made fundamental and common mistakes. They were willing to change jobs for better offers, but their moves never moved them toward their ultimate career goals. The end result was a lot of movement that did not lead to the desired destination.

Don’t let the same thing happen with your professional goals. With some basic career planning, you can find the right jobs and know when to accept the right offers.

The following career planning method uses straightforward common sense. Don’t be fooled by the simplicity. The difficulty comes in the execution. You will need discipline, self-assessment, and commitment.

A safe two-step plan

My advice boils down to two points: Adopt a career goal, and then develop plans to execute it. These two steps allow you, not fate, to control your progress.

Your career goal should be a specific position within a specific industry (ie, you may want to be an executive editor for a technical publishing company or a chief engineer for a major auto parts manufacturer).

Your work plan will have two elements. Your long-term plan will be a list of all the jobs you need to have to reach your career goal. This plan should include not only job titles, but also all the skills and experience needed for each position. Your short-term work plan will list the skills and experience needed to move up to the next rung of the ladder.

For most of us, there are no shortcuts. Only with a goal in mind can you know when you have arrived. Only with a plan can you be sure that you will arrive on time, or not at all.

To choose an appropriate goal, honestly assess your experience, skills, interests, strengths, weaknesses, enthusiasm, and dislikes. If you find self-assessment difficult, ask a close friend for help or see a career counselor. Once you have a clear picture of how you work best, you can select a career goal that fits your character.

ask, ask

Try to get an idea of ​​the day-to-day reality of the position you are applying for. Research is paramount here. Spend time in the library. Read relevant books and magazines. Talk to executive recruiters. They know what it takes to thrive in a given role. As you begin to clarify your goal, interview people who have achieved it. Find out if he really wants his responsibilities and hard work. (Either way, it’s best to know ahead of time.)

To start setting up your work plan, ask your role models how they got promoted to their current positions. Record your professional histories and consider the composite result as a very rough road map. You cannot follow their advice to the letter, because the professional landscape always changes slightly. For example, foreign languages ​​may become important as your business or industry becomes more international. You may need experience in a process or technology that didn’t exist when your mentors were at your stage.

So be sure to ask your role models two additional questions: What qualifications was your successor expected to have, and what skills were you lacking, but wish you had, when you started this job? As you begin to see the path to your goal, interview the people who stand in your way. The better you understand what awaits you, the better you can rise to the challenge.

When you’re ready to move forward with your plan, time becomes of the essence. You should look for each new job as soon as you are ready to be successful in it. Moving before you have the skills and confidence can be disastrous for your career and your company. Also, there is no need to move too early or too high just because a great opportunity arrives prematurely. There are always opportunities for outstanding talent.

Similarly, there is no career benefit to staying at your current job once you’ve prepared for another one. Loyalty and stagnation are two different things. As soon as you’re ready for more responsibility, seek it out. As you move forward, stay on top of changes in your industry. Changes in regulations, technology, and business conditions have the potential to alter both your route and your destination. Stay flexible and regularly review your plans and goals.

keep a high profile

Your reputation within an industry is highly influential in getting you interviews and securing new positions. Never assume that doing a good job is enough. It’s just a good start. The best way to build your reputation (and keep up with the job market) is to be active in a trade association. Serve on a committee in your area of ​​interest, write articles for your group journal, and agree to speak when invited. These initiatives announce your commitment to your field.

Cultivate a network of successful people within your industry. Make it clear that you respect their achievements and want to emulate them. Most people will be flattered and happy to help. This network will provide early warning of the best vacancies, which are rarely advertised.

If you have a choice, it’s better to stay employed and learn about openings through your network than to quit your job and work as a full-time detective. Your appeal as a successful employee is worth much more than the extra hours spent shopping.

To review, effective career management requires a goal, a plan, and good timing. Choose a goal that is worthwhile but achievable. Develop a plan based on in-depth, up-to-date industry knowledge. Look for your next job as soon as you have the skills and confidence to move forward. Do these things consistently and well. You will realize your true professional potential.

Lifestyle Fashion

Teddy’s Strange Problem – Short Story

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Little Sammy hurriedly did his homework so he could play with his toys. Teddy was his favorite, and his car, hat, toolbox, Rubik’s cube and spinning top. When Teddy wanted to go to work, he would take the toolbox, wear the hat, sit in the car with the lid and the Rubik’s cube in the toy box on a car seat, and ride until he got to where he was going. . He carefully selected the place where he would sit all day and worked in the client’s shoes. When he wasn’t working, he would turn and turn the Rubik’s cube until all the multi-colored squares were perfectly arranged and all the squares on each face were the same color. He was often delighted to do everything right. “Wow!” He would scream with excitement. The top was also a delicious toy.

He would often shoot the top while spinning several times without stopping for a long time and watch the replay. He was very proud of his skill in everything he did. But Teddy faced a strange problem.
He couldn’t smile due to the fact that his face was fixed and his expression unchanging. Really weird problem for a toy, so Teddy told Sammy one day, “I’m tired of looking one way all the time. I want to express myself too. When I feel happy, I want to be able to smile and show my teeth.” said.

“That’s easy,” Sammy said and picked up a pencil and cracked a smile, even a grimace, but Teddy wasn’t happy. “You’ve ruined my face!” he yelled as he looked at himself in the mirror.

“What do you want me to do then? Let me think. Use pieces of chalk for teeth?”

“No, that’s worse. They won’t look as fancy as I want them to,” Teddy replied.

“Maybe glue on pieces of white paper for the teeth?”

“I would like a sticker that is ready to use. No glue, no mess. How’s that?” “Sure,” Sammy said and took out a shiny smiley sticker and stuck it on her face.

“Interesting! Now you look much happier than before. The wrinkles are gone too. Smiling makes you look younger!” Sammy said.

“You’re right,” Teddy said admiring his new look. “I look my best with my sparkling white teeth and the sparkle in my eyes.”

So Teddy looked cheerful at all times. When he was bored, he still seemed happy. He wanted to ask Sammy for more toys in his toy box. The Rubik’s cube had worn down and the tip of it had broken off. I’ll ask her later, he thought.

At work that day, I had more clients than usual. Small children smiled at him as he passed. The squirrels also saw him work. He was surprised that a cow visited his stall for the first time. “Hello cow,” he said. “Would you like your helmets repaired?” He burped, which meant “NO!” and he left

He seemed so happy: the birds came singing and sat near him while he gave them nuts to eat. “I prefer sandwiches,” said the little ant. “Take this chocolate instead.”

Everyone seemed to like his new countenance. But Teddy found it hard to sit in one place mending all the shoes and waiting for customers to pick them up. He soon felt tired but seemed energetic. More customers passed smiling. He had so much work; he couldn’t kill them all and he couldn’t scold them either. Now he had a new problem.

So he went up to Sammy and said, “I love this beatific smile that is drawing my attention a lot. Well, you see, life for me is not a bed of roses. There are times when I feel tired or sad or just I’m overworked. But my smiling face confuses everyone. They can’t see anything but my happy face. I’m happy to take on more work! I feel exhausted from all the work I’m forced to do because people think that I am exuberant”.

“So what do you want? Do you want to change your expression? What do you think will work for you?”

“I don’t know. But this smile needs to go. I feel like a sad expression would be better. Well, no one would want to burden a sad person with a lot of work,” he smiled genuinely in a long time.

“You’ll get that,” Sammy said as he leaned down to remove the decal.

“Impressive,” Teddy gloated, but returned to his serious, expressionless face. “Make me look really sad, even grumpy. I want to look monstrous. Everyone should feel the fear approaching me.”

“You’ll be lonely Teddy,” she said fondly. But Teddy wanted to look terribly sad. “Add some horns too and red black eyes full of anger and hate,” he said evoking a reckless personality.

“I’m going to stick this sticker on your face. It’s done just the way you want it.” “Exactly what I had in mind!” So Sammy pinned it on and it looked perfect for the day.

“I’m not sure,” Sammy muttered under his breath, because Teddy’s new look also struck terror into his heart.

“We’re going to get the day,” Teddy said. He looked so evil that Sammy didn’t wave at him as he walked away.

When Teddy got out of his car, there was a lot of commotion. People were running in different directions, even stepping on each other. Soon the streets were empty and no one could be seen for a long distance.

“Well, this is what I call perfect peace.” She opened her toy box: there was nothing to do. She smiled at the top whose point she had pinned and was now gently spinning.

There was no sound, as if everyone had gone on vacation. “I’m glad to be here alone, without crowing roosters, burping cows or smiling ants.” So she sat quietly watching the wind blow a few leaves here and there from time to time. No work to do was difficult too. How long could one remain inactive? “I’m bored, and there’s no one to talk to,” she complained to herself.

I couldn’t wait to get home. She knew the sticker was out of place. She had gone too far. A world without friends is worse than one where there is a lot of work but also a lot of love.

Sammy was delighted to get rid of the sticker. He broke it in half to make sure Teddy couldn’t use it again. “What if he changes his mind? I don’t know what happened to him? How could anyone choose to be evil? That’s completely flawed,” he was glad to have an example.

Teddy was happy that he looked normal again. “I’ve tried to be happy and terribly sad. But it seems like they both failed in their own way,” Teddy said sadly. “I can’t think of what I want to look like right now… Sammy, can you help me?”

“When I feel happy, I smile because it is a reflection of how I feel in my heart. I usually don’t smile when I feel sad. So all my feelings start in my heart and spread to all other parts of my body. , but I can feel it anyway.

It’s the same in your case too, the only difference is that you can’t show it to anyone else. But you can still say what you feel. You can let others know how you feel with your words. You can make them smile or cry with your words. It’s just that you have to speak more so that others know it with your words instead of your external expressions”, beamed Sammy.

He continued, “And sometimes it’s best not to show how you feel. It might be best to think about how you feel, as feelings change over time and you may not feel as angry when you calm down.”

Teddy nodded. “I think you’re right. It’s not how you look but what you think that matters. If you think happy thoughts, you will be happy, and you can also make yourself sad by having sad thoughts.”

Teddy continued, “I think I’m happy to stay the way I am and just work on my inner life, the place where I observe and learn about life. I think it’s interesting to live inside myself!” He laughed so hard that all the toys turned to look. “Tell us what makes you so happy?” They came asking.

“Nothing. It’s just life,” and he smiled inside.

Takeaway: When faced with a problem, look inside your heart. You will usually find the solution there, right inside your heart.

Pets

Homemade Dog Food: The Alternative After Pet Food Recalls?

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After recent recalls, many pet owners are considering switching to homemade dog food. Cooking for your dog can be as easy as cooking for the rest of your family. If you have recipes at your disposal, you can even cook your dog dinner once a week and then refrigerate leftovers throughout the week. Making your own dog food can be an easy way to improve your dog’s health.

Feeding your dog homemade food is much healthier for your pet than the stuff you find at most pet food stores. Commercially produced pet foods use low-quality meats and are often full of artificial colors, flavors and preservatives. As you know, diet greatly influences the health of humans. It’s the same for your pets: their quality of life improves with the quality of the food they eat. If you don’t eat things full of artificial ingredients yourself, why would you feed them to your furry friend?

Before you start making your own dog food, you need to research a few recipes. Find some online or invest in a good recipe collection or cookbook. Bring these recipes to your next vet appointment and ask them to help you choose some that are appropriate for your dog’s breed and nutritional needs. Your vet will also be able to provide you with a vitamin supplement if you decide your dog needs one.

Most recipes are made up of equal parts meat, grain, and vegetables. These foods are naturally packed with nutrients. If cost is a concern, you can buy cheap cuts of meat or ask your production manager if they have wilted or imperfect vegetables they can sell you cheaply. You can even make your dog’s food for less money than you spent on the cans and bags at Pet World (or wherever you shop)!

Preparing your own meals for your dog can be a great way to save money and improve your dog’s health. Many commercial brands are expensive and full of condoms, artificial ingredients, and other things you wouldn’t want to touch with a glove, let alone give to your pet. His own recipes ensure that your dog gets optimum nutrition, as long as he knows how to prepare them. Done well, your dog’s energy levels will increase and he will be healthier and more active. By making homemade dog food for your pet, you are giving him the opportunity to thrive and live a long and healthy life. Give it a try, he’ll love you for it!

Real Estate

Do Your Diligence – Find the Profits from Commercial Real Estate

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Due Diligence is the process of looking closely at the details of a potential investment, to verify material facts, and to assess the property’s investment potential. While there are numerous factors involved, due diligence is the foundation upon which successful and profitable commercial real estate investing is built.

Anything worth doing is worth doing as well as it can be done, especially when hundreds of thousands, if not millions of dollars are involved. Your ability to separate fact from fiction determines your return on investment.

Keep in mind that due diligence is MUCH more than just looking at the numbers. Let’s use a commercial apartment property as an example. There are actually four critical areas that determine the value of a multifamily investment.

Financial analysis

Market analysis

Tenant Analysis

Property Analysis

For the sake of this article, we will not go into an analysis of these four key areas, but rather focus on rooting out the hidden benefit discovered when we do the Four Key Areas Diligence with the following goals in mind:

The REALITY of a Return on Investment based on our trademark Do the Diligence analysis.

The independent value of the property in the market.

Current property features that produce income versus hidden earnings features that we uncover.

The final price we are willing to pay based on our Do the Diligence analysis. Keep these goals in mind to determine your real return on investment.

Maintain a disciplined, objective approach when reviewing the financial information provided by the seller. The evaluation of your financial statements should uncover concrete benefits in revenues, costs, and profits, and ultimately, cash flow. Simultaneously, your analysis not only verifies reported numbers and assumptions, but must also determine actual value as an independent investment income producer. Most of the price you offer reflects the property’s ability to produce income here and now, not how it might be once you’ve made value-added improvements. Never buy a property on Proforma income projections.

Determining the true value of an investment is an acquired skill that improves with experience. A seller will present the property’s paper assets much more attractively than they really are. That is his job. Your job is to discover accounting tricks to reveal real numbers. Here are some common examples of financial disrepute:

Distorted lease rent payments. A building can be occupied by tenants who have been allowed to pay late or not pay at all, without contingencies being carried out immediately through soft management.

Overly optimistic projections of expected returns. A property could advertise its proximity to the market with an area that has a higher return on investment than it is currently experiencing.

Disguise the cost centers that hide the real image. Marketing, maintenance, management expenses that are actually excessive for the property or misallocated to the market
Treat recurring items as extraordinary costs to remove them from the profit and loss statement. Inflated or delayed maintenance fees disguised as one-time costs.

Not disclosing capital expenditures or general and administrative costs in the periods leading up to a sale to inflate cash flow. For example, a property may decide to postpone its on-site laundry contract renewals so that those new figures are not immediately visible on the books, misleading the investor about contract renegotiation and increased costs.

A careful examination of the historical and prospective cash flows reveals the actual and independent value of the proposed acquisition. Look beyond the reported numbers and rely on your team’s on-site visit when doing your due diligence to verify costs versus reported revenues.

Getting to real numbers usually requires the close cooperation of the seller. Any contradictory position on the part of the seller is almost always a signal to dig deeper.

Of course, no matter how deep you dig, many facts it can remain hidden if you don’t know where to look or how to find hidden earning potential. Discovering as many discrepancies in represented value versus stand-alone value will improve your position when you bid and is crucial to your acquisition and return on investment.

A complete Do the Diligence analysis system is available from Investor Tours University.

Learn more from a proven investor education resource:

Investor Tours University is a dedicated resource that helps investors build wealth and reach their defined level of success. We offer state-of-the-art commercial real estate investment education designed to meet the needs of investors with diverse backgrounds and experience levels. Our faculty consists of a network of national experts in legal, tax, investment strategy, property management, acquisition, and sales professionals who practice what they teach investors, which is how to achieve generational wealth using commercial real estate.

Shopping Product Reviews

Reputation Marketing: Today’s Best Strategy for Medical Professionals to Get More Patients

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Remember the days when you walked into a medical professional’s office, checked in, saw all the people waiting in front of you, and realized you’d be there for a long time before seeing the doctor?

I can imagine all the thoughts that ran through his mind, but I’m sure one was not that the practice needed more patients.

However, that problem exists for medical professionals today. They constantly need to add new patients to the practice books. This is a concern for all types of practice, from doctors to dentists, from chiropractors to veterinarians. The lack of an influx of new patients hinders a practice in two respects: decreased ongoing revenue and increased costs associated with marketing fresh blood.

It wasn’t always like this. For decades, practices have allocated most of their marketing budget to the tried-and-true resources: the Yellow Pages and newspaper ads. Eventually, they expanded into direct mail, postcards, and even in-house advertising such as brochures explaining their services.

Recently, practices turned to Internet marketing strategies to attract new patients, with many believing that a first-page listing on Google and a branded website would keep their phone ringing.

However, a dramatic change in the online marketplace has created a need for practices to modify those strategies. The reason is the importance of reviews. Google, the search giant, now prominently displays reviews when people search for a business online. Additionally, as long as a business has a minimum of 10 reviews, Google will provide a Zagat score ranging from 0 to 30, further legitimizing the weight of positive reviews on a business’s reputation.

As Bob Dylan sang, “The times they are a-changin’.” People looking for products and services online today see positive reviews as a major factor influencing their purchase decision, second only to personal recommendations. According to Nielsen, a highly respected ratings firm, 72% of consumers look at 6-10 reviews before choosing a product or service, which means they want to see multiple reviews, not just 1 or 2. Plus, the 70% of those consumers trust a business that has a minimum of 6-10 reviews.

What does this change mean for medical professionals?

The facts are clear. People searching online are looking for reviews. A practice with 6-10 positive reviews has a great reputation. Practices with great reputations make your phone ring. Pros that don’t have multiple reviews have been shown to not be as credible in the minds of buyers when making purchasing decisions.

It is imperative that practices direct their marketing focus towards building a 5-star online reputation through continued positive reviews. Once that star reputation is developed, the practice can then market and leverage that reputation to convert more patients.

This two-pronged strategy is analogous to “building a house from the bottom up” and results in sustained long-term revenue growth that positions that company as a market leader. Practices have traditionally done the opposite. They market their services first, relying on a bright yellow page ad or an eye-catching website to attract patients to the business. They don’t realize that people trust and value online reviews as a major determining factor in which medical professional they will call.

Medical professionals must stop “building a house from the top down” or risk losing potential patients to competitors who have embraced this new dynamic shift in the online marketplace.