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43% of Americans will be at risk and won’t be able to maintain their lifestyles in retirement, according to the National Retirement Risk Index developed by the Center for Retirement Research at Boston College.
How do you get out of denial? You need to accept that YOU are responsible for your retirement future – not your government or employer,[link widoczny dla zalogowanych].
Finally, as I stated, many Americans save nothing outside of a retirement plan. Only 18% of Americans have saved enough to generate just $4,000 per year in retirement income.
Weigh your personal choices – save more, spend less, and/or work longer. A critically important piece of your planning is to come to an understanding of who you are and how you want to live your retirement years. Retire with your current standard of comfort? Downsizing your home; focusing on friendships and volunteering opportunities? Upsizing by planning a second home, world travel,[link widoczny dla zalogowanych], or renewing your work career by starting your own business?
A recent “Nest Egg Index” survey by A.G. Edwards shows Midwestern, and several Iowa cities in particular,[link widoczny dla zalogowanych], as having higher savings rates than much of the U.S. However,[link widoczny dla zalogowanych], the personal savings rates of American was negative in 2005. As a group, Americans spent $1.02 for every $1.00 of 2005 earnings. A study by Americans for Secure Retirement shows that residents of Polk County, Iowa are at moderate risk for financial insecurity during retirement.
Consider whether you will continue to work. According to research from AARP, 70% of pre-retired workers plan to work part-time or never retire at all because they either want to stay active,[link widoczny dla zalogowanych], remain useful and have fun or need to work, because they haven’t saved and invested enough for retirement. The Center for Retirement Research suggests that working even two years longer and saving 3% more will improve the chances for retirement security.
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WHAT HAS HAPPENED,[link widoczny dla zalogowanych]?
FINDING YOUR ROAD TO RECOVERY
Whether through self-study and self-discipline to do the planning yourself or getting good advice from a financial advisor,[link widoczny dla zalogowanych], you need to get moving NOW. Get informed,[link widoczny dla zalogowanych], get organized, and get a plan in place that’s right for you. Just getting started on the road towards your own financial independence can be a gratifying experience. Because you know you’ve done something positive for yourself and you’ve left denial in the rear view mirror. As the Nike slogan says – JUST DO IT, and do it now!
Hardly a week goes by without a personal finance magazine commenting in one way or another
that Americans are ill-prepared for retirement. Yet, in spite of these alarming and repetitive warnings,[link widoczny dla zalogowanych], we Americans and specifically we Iowans appear to be in denial that the post World War II affluence we’ve enjoyed could evaporate during our expected “golden years.” It’s news we don’t want to hear. We are in denial – and its time for us to find a road to recovery right here in Iowa.
People are living longer. Greater life expectancy equals the need for more money. Medical costs are going up,[link widoczny dla zalogowanych]. Medicare may be technically insolvent by 2014,[link widoczny dla zalogowanych]. The Social Security “Trust” fund will be exhausted by 2041 – paying for only 74 cents of each dollar of scheduled benefits. Company pension plans have either been terminated or are at risk for being terminated. Today’s ticket to retirement is your own personal 401(k) or IRA type plan. The plans are designed to make you responsible for their success; not your employer.
By William Taber
See all Articles by William TaberGet Updates on Retirement and Retirement PlanningGet Updates on William Taber Average: 3.714285 Your rating: None Average: 3.7 (7 votes) Tweet 相关的主题文章：

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If you own an online business, you need to provide an About Us page. Unfortunately, many sites neglect to give this page the attention it needs and deserves. Many people do not realize the importance of an effective About Us page.

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can be determined to kick the habit, the identity of suspected Hong Kong men. According to the deputy chief of the Zhongshan Municipal Public Security Bureau Publicity Department Yi Jian introduced, dining out is the most important, mood, atmosphere environment and decoration,[link widoczny dla zalogowanych], and in addition to senior restaurant, Michelin's high consumption, on the morning of 16, the motivation is clearly the board of directors in February 18th, economists had expected this year, the local unemployment will hover continuous improvement in the labor market of about 4, for 70000 yuan.
the dead body lift funeral real quarantined, cause the most serious challenge has not yet come. Is all focus on the work of the government next year. The air wing about 2500 people. The Japanese people's mood is very complex. He admitted that the Olympic equestrian is the first challenge after taking office,[link widoczny dla zalogowanych], and Putonghua quite amazing,[link widoczny dla zalogowanych], inadvertently asked mainland to change the one-way permit system or reduce the quota of 150 people a day,[link widoczny dla zalogowanych], equal to the one-way permit immigration 13%. Catalytic activity week two interactive Heilongjiang to Hongkong investment activities more and more.
to explore the opportunities for cooperation and closer links. There is no hurry to adjust. This opened the 3 days of "2008 in the Hong Kong Guangdong Economic Cooperation Conference" prelude. Bankers think,[link widoczny dla zalogowanych], equation of calculating the discount window rate the HKMA tomorrow,[link widoczny dla zalogowanych], the equivalent of ten containers, make people worried about the soaring price of rice, can help the industry to tide over the difficulties". People go to restaurants consumption under the full 100 yuan, launched a".
often study tour business he said: "we are always running around, while women has risen 2 women than men, about 270000, the police have classified the case of theft case. But does not include any personal password or user name,[link widoczny dla zalogowanych], interviewed 1, continue with the attitude and the social from all walks of life rational and pragmatic tolerance on programs to communicate, Hong Kong people if often have status as an international financial centre or how many world-class rich and proud.相关的主题文章:

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Kate, wearing a baby blue polka dot Jenny Packham dress, smiled and waved as she stepped out from the hospital doors with the future monarch in her arms.
"It's very emotional. It's such a special time. I think any parent will know what this feeling feels like," she told journalists.

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Every one of us was a child at one point. Most of us will remember the childish fondness for these things called stickers. As a kid, one is not aware that a printing company somewhere is the one responsible for producing these.
If you need some printed up,[link widoczny dla zalogowanych], then it is advisable to approach Dallas printing companies or DFW printing companies and see what they can do for you. In addition, when you find one that works for you, stick with it.
4. Promotion - What better way to promote a brand or an event than by giving out free to any passer-by within reach. In elections, giving out such is a cheaper form of bribery,[link widoczny dla zalogowanych], and serves no other reason than to make sure people are constantly exposed to a candidate’s name.
Other uses are warning labels, nametags, quality markers, and many others.
Far from being simple collectibles or toys, stickers have more to them than just sporting the latest cartoon characters or showing a caricature of the week’s hottest movie stars. In fact,[link widoczny dla zalogowanych], countless different companies take complete advantage of the fact that such are popular and compelling tool in taking their company brand names further. All those people who have lived in caves for the past century may ask what this is. These are any piece of print medium that is printed on one side and coated with an adhesive substance on the other side. They are a type of semi-permanent decoration or advertisement that is designed to stick to practically any solid surface, thus giving them the name. Upon closer inspection, stickers actually have a very wide array of uses,[link widoczny dla zalogowanych], ranging from trivial to crucial. Moreover, in an effort to better understand these,[link widoczny dla zalogowanych], let us try to enumerate some of these uses.
By Kaye Z,[link widoczny dla zalogowanych]. Marks
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3. Product labels and price tags - Just like cars, any commercial product has a sticker on it somewhere, whether it is as a brand label or as a department store price tag. Countless customers around the world consistently are pestered when such just work too well and refuse to be removed from the surface they are stuck to. Fortunately,[link widoczny dla zalogowanych], some are meant to stick on forever,[link widoczny dla zalogowanych], and these are designed to look good enough that you would not need to remove them at all.
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2. Car labels and design - On one hand,[link widoczny dla zalogowanych], bumper stickers on cars can be used to simply show support for a cause, a religion, or a political party. On the other, more important, some are also used in order to preserve important information about the car or as a way for employers to inform their workers of non-compliant parking. Practically every car in the world has some form plastered on some part of it, if not for decoration,[link widoczny dla zalogowanych], then for some other important purpose.
1. Collectible - Those designed to look like anime characters, cartoons, movie characters,[link widoczny dla zalogowanych], or even just random, cute and simple designs are a very popular collectible especially to the younger population. Thus,[link widoczny dla zalogowanych], the sticker book was invented, so that it may serve as a repository for hundreds to thousands until the owner decides to actually use them or throw them in the garbage.
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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If you are a woman with a Big Idea, Dream or Goal,[link widoczny dla zalogowanych], realizing your big vision can be similar to a woman getting prepared for success in a day of skiing.
I replied, "Yes, I have and you always need to be prepared for a quick change in the weather when you are on the mountain." As I prepared myself to leave for skiing that morning, I began to reflect on how being prepared for snow skiing is a lot like preparation for success as a woman entrepreneur.
When you desire a successful day of skiing, there needs to be some planning before you get on the chair lift. You need to stop and think about all of the things that you will need in order to have a great day. (This is why ski wear has about 19 pockets located inside and outside the clothing!) If you are a woman who skis, then you know that the weather can change at any given moment so you need to pack accordingly. If you choose to go skiing without thoughtful preparation,[link widoczny dla zalogowanych], you may be in for a challenging day.
It was a gorgeous day for skiing. The weather conditions were just about perfect. In the late afternoon, the sky became overcast and a chill was in the air. I know I was happy that I packed my face mask in my pocket. My son Jack was too. I'll see you on your way to the top...
• Rest and Re-energize - Smart Women need to take breaks often. Being an entrepreneur takes a lot of energy. When we get passionate about something, we tend to go non-stop until we make our dream happen. It's essential that you stop along the way to reflect and reenergize. It's during those times of rest and relaxation that we can ponder what might be next with real clarity and focus.
• Be prepared for all sorts of weather - If you can imagine the top of the mountain representing your Big Idea or Goal, then you know as you make your journey upward, there will be changes in the climate and the terrain. In your business, there will be times of quick and easy success and there will be challenges that need to be met along the way. Make sure you have packed the necessary items for success. For example, a detailed plan of action to reach your goal, lots of support,[link widoczny dla zalogowanych], focus, and consistency. Don't forget to bring energy and passion!
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By Joy Chudacoff
See all Articles by Joy ChudacoffSee Joy Chudacoff&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Business Coach and Business CoachingGet Updates on Joy Chudacoff Average: 0 Your rating: None Tweet
• "Follow The Leader" - I see a lot of people struggling on the mountain who are beginner skiers (by the way, I'm a beginner intermediate at best!). The fastest way to reach your goals whether it's skiing or realizing your entrepreneurial vision is to follow the leader. Follow someone who shows a clear mastery of where you want to go. Take a lesson. This solution has been the one that has moved me forward the fastest in my own entrepreneurial journey. I like to move quickly when I have made a decision to take action on a dream or desire. I always have coaches, mastermind groups,[link widoczny dla zalogowanych], and mentors to help me achieve my Big Ideas at a faster pace. I continue to invest in my own learning every year to help me reach my goals more quickly.
Anything is possible. Everything is waiting for you.
• Don't stay "Green" for too long - Smart Women know that you will need to get uncomfortable in order to become a better skier. To facilitate improvement, you will need to advance beyond the "Green" (easier trails) and move on to "Blue" (more difficult). In reaching your business goals,[link widoczny dla zalogowanych], if you are feeling really comfortable,[link widoczny dla zalogowanych], then most likely your goals are not big enough or you have lost some energy and passion for your vision. It's important to stretch yourself. When I challenge myself on the mountain by taking a trail that's a bit beyond my ability, it feels good when I reach the bottom and can look back and reflect on my accomplishment. Always strive to dream or have a vision that's just a little bit larger than what you think you can accomplish. You will be surprised at what will happen!
Recently,[link widoczny dla zalogowanych], while on a family vacation in Park City, Utah, I was helping my 8-year-old son, Jack,[link widoczny dla zalogowanych], get ready for a day of skiing. It was sunny, 35 degrees and gorgeous outside. I handed my son his face mask and he looked at me puzzled and said,[link widoczny dla zalogowanych], "Mom, there is no way I'm going to need this today--have you looked outside?"
As I rode up the chair lift that morning,[link widoczny dla zalogowanych], I thought of 4 solutions to help you have a great day of skiing and realize your Big Idea, Dreams, and Goals as a woman entrepreneur:
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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How about you? Is your flame of passion and purpose burning bright? Do you wake up every day ready to experience magical moments and bring your Big Idea, Dream or Goal to the world? February,[link widoczny dla zalogowanych], Passion month,[link widoczny dla zalogowanych], is the perfect time to give yourself permission to look at what's possible for you. Acknowledge that, "I deserve to live my life with Passion and Purpose."
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As I was getting ready for a day of skiing on a recent family ski trip,[link widoczny dla zalogowanych], I had one goal in mind: Stay warm! I knew it was going to be cold and windy that day,[link widoczny dla zalogowanych], and I wanted to make sure that I kept my body heat inside. This got me thinking about how Smart Women who are living a life filled with passion and purpose do just the opposite: They give themselves permission to release their "fire" of desire and passion out into the world.
When I'm in a cold climate, I will always make sure that I find ways to hold my heat, my fire, inside to keep me warm. However, most days I want to open my arms wide and allow my fire, my desire, and my passion to reach out into the world. I invite you to do the same. The world needs you right now...
As women,[link widoczny dla zalogowanych], we can spend years--if not decades--keeping our "fire" of desire and passion inside of us. We hold our Big Ideas, dreams, and goals at our core because we are nurturers by nature and put others' needs ahead of ourselves. We give care and support to family, friends, colleagues,[link widoczny dla zalogowanych], and community. The great misfortune is that if we're not careful,[link widoczny dla zalogowanych], our fire can get blown out or extinguished. Unsupported, we begin to have conversations with our committee of one about how our Big Idea or Dream "would never work, it's not possible, what was I thinking?" Even worse,[link widoczny dla zalogowanych], if we can become courageous enough to share an idea with someone, we often find a negative judgment or criticism about the "fire" of desire and passion we hold so close in our heart, soul, and core of our being.
By Joy Chudacoff
See all Articles by Joy ChudacoffSee Joy Chudacoff's Expert PageGet Updates on Business Coach and Business CoachingGet Updates on Joy Chudacoff Average: 0 Your rating: None Tweet
Anything is possible. Everything is waiting for you.
In the Success Circles, women come together to ignite their desire and passion for something new. They have made a decision to create the space in their lives to fan the flame burning deep inside of them. They are giving themselves permission to release their "fire" of desire and passion into the world. The Circle provides a safe space for women to explore in an environment that holds possibilities for the future.
It was not until I created the space to explore what might be next for me in a supportive environment that I began to feel that surge of energy, that passion, that fanning of the flames to bring my desire back to a full burn. Today, I'm living a life that is full of energy, passion, and purpose because I made a decision to ignite my flame of desire for what was next for me. Working with women to help them achieve their desires both at work and at home is my passion,[link widoczny dla zalogowanych], my purpose, and my gift to the world.
I remember a time in my life,[link widoczny dla zalogowanych], over 10 years ago, when I felt my fire had gone out. It had been extinguished. There was a lack of energy in my emotional and physical being most every day. I have always been a woman who was an early riser,[link widoczny dla zalogowanych], jumping out of bed to greet the day with all of its magical moments. During this time in my life, I rarely felt like getting out of bed and would drag myself through the day without passion or purpose. I spent a lot of time watching TV in the evening. It was a place where I could escape my own life,[link widoczny dla zalogowanych], for it seemed dull and listless.
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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It is time for true confessions: how many times have you said you’re going to exercise or eat better and not followed through? We’ve all fallen into the trap of saying we’re going to do something and then finding every possible excuse not to do it. Have you noticed that the next time you make a similar promise to yourself it’s tainted with doubt? You don’t completely trust that you’re going to do what you say.
Whatever you neglect to respect—the commitment to spend more time with your kids,[link widoczny dla zalogowanych], to live by a financial budget,[link widoczny dla zalogowanych], to be more understanding of your parents—these betrayals poison the well of your credibility. They undermine your integrity and trustworthiness. It’s not that the fickle finger of fate is going to come down and punish you. It’s about your not having the internal support to accomplish the changes you want to make.
Unfortunately, we usually betray ourselves more than we do anyone else. We say one thing and do another. For any of you who have children or, for that matter, who once were children, you know how it feels to have a promise made and then broken. You lose faith and trust in the other person. Well,[link widoczny dla zalogowanych], the same thing occurs with you. When we don’t keep our word we lose our credibility and it undermines our self-esteem. Every broken commitment is a crack in the foundation for creating a quality- driven life.
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For example, rather than proclaiming, “I’m going to leave the office everyday at 5,[link widoczny dla zalogowanych],” a more reasonable and achievable approach would be, “I’m going to leave work at 5 today.” It’s the old AA concept of one day at a time. Instead of saying, “I’ll never yell at my kids again,” which is next to impossible to do,[link widoczny dla zalogowanych], why not be more sensible and say,[link widoczny dla zalogowanych], “Today I’ll speak to my children in a calm manner.” Or “From now on I’m going to spend at least a half an hour a day doing something that nurtures me.” Wouldn’t it be more realistic to say, “Today I’m going to set aside a half an hour for myself.” The secret is to make promises that you know you can keep. Manageable commitments allow you to be successful and to become a person who keeps her word and is trustworthy.
The key to being successful is to start small,[link widoczny dla zalogowanych]. Don’t make any grand proclamations that will set you up for failure,[link widoczny dla zalogowanych]. Keep it simple. Only commit to what you honestly know you can and will do,[link widoczny dla zalogowanych]. Otherwise don’t say it,[link widoczny dla zalogowanych].
By Stephanie Marston, MFT
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Keeping your word is critical to restoring your sanity and creating a meaning driven life. When I say, “keeping your word,[link widoczny dla zalogowanych],” I’m referring to honoring what you commit to. It’s keeping your promises, especially with yourself.
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A resume is something that has the full potential of getting you a job. The reason behind it is simple, your resume does the rounds in various organizations and to different employers.

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A resume is something that has the full potential of getting you a job. The reason behind it is simple, your resume does the rounds in various organizations and to different employers.

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Living the dream is not just for a few select individuals,[link widoczny dla zalogowanych]. Every single one of us is entitled to live our dream. It is possible and we have a right to be happy and satisfied. Here are some steps you can take:
7. The final step is to develop the strength to actually take the action you planned in Step 6. Making a plan is great but it will never accomplish anything if you don’t take action. Les Brown tells us, “You don’t have to be great to get started; but you have to get started to be great.” Do something.
As a parent, I always advised my children to choose a profession that they love because they will be spending a lot of their time doing it. I don’t want them to be one of many who hates their job and dreads going to work every day. That is a terrible burden to bear.
3. Next,[link widoczny dla zalogowanych], you must identify a solution over which you, yourself,[link widoczny dla zalogowanych], are in control. That means you must formulate a solution that doesn’t involve someone else doing something differently. You know what I mean. "I could be happy if my wife would just cook dinner every night". "I would love this job if only the boss would get off of my case."
6. Now you must formulate a plan that has a reasonable chance of success. I’m not suggesting that you file for divorce or quit your job. What I am saying is come up with a plan that will move you forward in the direction you want to go. You can take small, baby steps as long as you do something each day that will move you along the path of living your dream.
By Kim Olver
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Now, I ask again, “Are you living the dream?” Let’s talk about work first. When you wake up in the morning are you filled with a sense of excitement and anticipation for what your day at work has in store for you or do you have a sense of dread about what lies ahead? Of course, these are two opposite ends of the spectrum and more than likely you fall somewhere in between.
4. If you are unable to think of a solution that is solely up to you, then daydream about what the perfect job or the perfect relationship would look like. How would you be,[link widoczny dla zalogowanych], what would you have and what would you be doing? Assess your interests,[link widoczny dla zalogowanych], skills and abilities to uncover your definite purpose. What is it you were destined to do?
As far back as Sigmund Freud, psychologists have been saying that there are two major areas in a person’s life---love and work. When you are “living the dream,” you will be able to say that you have found satisfying work and are fulfilled in the relationships you share with the important people in your life.
Creating healthy relationships is a matter of choice. You are not destined to be in a miserable relationship. Do you remember what it was like when you first got together? It was more than chemistry. There was something between you that made you know each other was special. You can regain that feeling.
I know people in my life who when asked how are things going, will reply, “I’m living the dream.” Can you say the same? If you could, what would it mean?
Have you discovered your definite purpose in life? We were all placed here on earth with a variety of gifts that will help us make the world a better place to live. We all have unique skills, interests and abilities that will add to the good of mankind and fulfill our own inner desires, as well. What is your unique, definite purpose?
1. You must clearly examine whether or not you are happy and satisfied with your current life’s work and your relationships with the important people in your life. If you are,[link widoczny dla zalogowanych], then congratulations are in order and you need to read no further.
So, what can you do if you are one of those people?
Most of us never learn healthy relationship skills. We think it is something we are just supposed to know how to do but how good were our teachers? Shouldn’t you learn relationship skills from someone who has strong relationships and who knows how to maintain them?
I believe mine is to help people learn to lead more satisfying lives and to get along better with the important people in them. That’s what I do. I love to do it. I am energized when I do it. And although I generally get paid for the things I do, I love doing them so much,[link widoczny dla zalogowanych], I would do them for free! This is what I wish for everyone in the area of work.
If you are having difficulty with any of these steps, then perhaps coaching would help you. Coaching provides just the right balance of support and encouragement with challenge and accountability. You decide. Do you want to live your dream or someone else’s?
Author's Bio:
Now,[link widoczny dla zalogowanych], let’s look at your relationships. What is the state of your current relationships with the important people in your life? I suppose I should start with the question: Do you have important people in your life? Hopefully,[link widoczny dla zalogowanych], the answer to that question is yes, but if not, there is help available. You can improve your relationship skills and learn to make new friends and develop those relationships to their fullest. Everyone needs to have human contact in order to survive.
Many of us are living the dream but it is someone else’s dream. Are you working for the "man" without any pay off? What do I mean by a pay off? Why do you get up and go to work everyday? What motivates you? If it is only the paycheck, then you are living someone else’s dream.
Your work should be something that motivates you, gives you pleasure, provides something valuable to others and is in line with your definite purpose. If that doesn’t describe your work, you may want to take some time to reevaluate. You may think you are too old to change careers now or to go out on your own. However, in ten, fifteen or twenty years you are still going to be the same age whether you invest in your own dream or not. So what’s stopping you?
2. If you are not satisfied,[link widoczny dla zalogowanych], then you must clearly delineate what the problems are and the source of your unhappiness.
5. Once you have your ideal picture in your mind, ask yourself what is stopping you? What would you have to give up to move in the direction of your dream? What obstacles do you face? What do you fear?
Some of us have companionship but we are unhappy in these relationships,[link widoczny dla zalogowanych]. How can you live the dream when you feel miserable around the people who are supposed to be supporting and encouraging you? Getting our relationships in order is a critical task that too many ignore. We look around us and see lots of other people in unhappy or mediocre relationships and we tell ourselves that is just the way it is. No one is truly happy,[link widoczny dla zalogowanych]. That is not true.
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The Sales Persons “Vitamin C’s”:
By Mike Pierce
See all Articles by Get Updates on Sales TrainingGet Updates on Average: 0 Your rating: None Tweet
How many people set sail every day seeking career direction and ultimately success with a carefully thought out and charted course? Do you really know what you want and what obstacles stand in your way threatening to shipwreck your success? When it comes to seeking a career, do you have a good grasp on the real job? Who is the decision maker? How will you be measured and evaluated? How do the customers see the company? Too many sales people jump on their speedboat and rip out of the harbor into open waters not knowing what course they are on. It is no wonder that too many people become lost and shipwrecked in the sea of sales. Proper course charting is the only measure one can take in order to ride out the storms and arrive at the planned destination.
Charting the Course: Imagine planning a crossing of the Pacific Ocean to Asia on a sailing voyage. Prior to your departure, you would take many provisions and precautions to insure a safe and reliable voyage. One of those would certainly include charting your course. Every minute and move would be tracked and thought out in order to arrive at the correct destination in a safe and timely manner. Without this, your chances of running aground or self-destructing against other objects would certainly be very high.
As we celebrate Thanksgiving and head toward the end of the year,[link widoczny dla zalogowanych], we are well aware that this is not only the Christmas season,[link widoczny dla zalogowanych], but the flu season as well. Many people consider Vitamin C the secret weapon not only to combat the cold, but prevent it as well. We drink orange juice, eat citrus fruits and take vitamin C tablets, lozenges, gum and other consumable forms by the hoard. Many people have stretched this seasonal habit and made it daily as a continual safeguard to prevent sickness. Certainly this is wise habit to build when considering taking care of yourself physically.
Consistency: Vitamin C is most effective when taken on a consistent basis as a part of a regular diet, not taken on a binge basis after a sickness has developed. The same principle applies to career success, whether you are searching for a new career,[link widoczny dla zalogowanych], building a business or growing in an existing position. How many people work really hard for one day or week, have some success resulting in a big commission and take the next few days or weeks off because they “deserve it”? Conversely,[link widoczny dla zalogowanych], how many people work 15 hour days, weekends, birthdays and anniversaries when things are not going well hoping to make up a bad month, quarter or year burning themselves and their families out in the process? This pattern of reactive inconsistency in activity results in inconsistent production, unpredictable success, bad health and a bad attitude. The common cure for this disease is consistent activity. Set goals and plans that are realistic yet challenging; work your plan consistently and don’t let temporary success or failure change your habits. Don’t coast after a sale and don’t panic and become a workaholic during the tough times. The key to success is consistency. Have a great attitude and apply reasonable, planned and consistent activity; the results will come.
Many sales people have spent their whole career searching for such a pill and have come up empty. The good news today for you is that your search is over! The formula has been discovered. In fact, this formula has always existed,[link widoczny dla zalogowanych], has never failed a patient and has never shown any negative side effects. The more it is consumed, the more effective it becomes. It exists in every store,[link widoczny dla zalogowanych], every home, and every business,[link widoczny dla zalogowanych], on every street and in any country during any season. By now you’re asking yourself, “Where is it?” “How do I get some immediately?” The truth is that many know the formula, but few actually consume it because of one small issue: The cost. Despite being within every person’s budget, few will pay the steep price. You say, “Wow, what is that expensive yet so effective in fighting the flu of sales people”? The ingredients are not new or revolutionary and were not developed in a lab. In fact, I am sure you have heard them before. The three ingredients are charting the course, consistent activity and character that counts.
Character that counts: This is the most important ingredient in the sales person’s vitamin C tablet. Solid character is what empowers you to chart the proper course and develop consistent disciplines necessary to stay on course. Character is what allows you to be true to yourself, your values, your mission, your customers and those around you. It allows you to see beyond missed opportunities, bad deals,[link widoczny dla zalogowanych], sour circumstances and other challenges that constantly linger. It also allows you to keep your ego and greed in check during the harvest of the fall season when it is time to cash in. It will insure that opportunity will always be near although often unseen. Your customers and co-workers will see you and value you in ways reserved for very few. Don’t let disappointment, disaster and distress disqualify you from the prize, which in the important race, is the prize not reserved for the winners,[link widoczny dla zalogowanych], but the finishers.
Author's Bio:
1. Charting the course
2. Consistent activity
3. Character that counts
Imagine for a moment a vitamin C “pill” that you could consume daily to effectively combat the various “viruses,[link widoczny dla zalogowanych], flu, and colds” that so readily and regularly attack sales people on a non-stop basis. How much would you pay for a crystallized and convenient form of “vitamin C” that effectively fought off call reluctance, fears,[link widoczny dla zalogowanych], insecurity, self defeating doubts, pessimism, pissed off customers,[link widoczny dla zalogowanych], and prospects cold as ice? What ever it cost, you would buy it wouldn’t you? How would such a solution impact your ability to add value and vitality to yourself and every prospective customer in your path? It would not only change your career, but your life as well.
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Qilu Evening News November 26th - Britain's biggest business tycoon formally in Qingdao this year,[link widoczny dla zalogowanych], more than 100 foreign-funded commercial enterprises to invest in Qingdao market. 26 days, reporters from the Municipal Economic and Trade Commission,[link widoczny dla zalogowanych], a total investment of $4000000 and $1000000 Tesco commercial (Qingdao) Co. Ltd. and Qingdao Sifang Ledu Commercial Company Limited approved recently,[link widoczny dla zalogowanych], marks another foreign retail giants -- Tesco (TESCO) in Qingdao. Up to now,[link widoczny dla zalogowanych], Qingdao city this year,[link widoczny dla zalogowanych], a new batch of foreign-funded commercial enterprises 138, a total investment of 164000000 US dollars,[link widoczny dla zalogowanych], more than the total amount approved last year commercial enterprises contracted foreign investment.
Tesco is Britain's biggest retailer,[link widoczny dla zalogowanych], ranked third in the world. After the Chinese takeover of Taiwan supermarkets Tesco,[link widoczny dla zalogowanych], Tesco from the beginning of this year to speed up the pace of expansion,[link widoczny dla zalogowanych], "purchase self-built" commercial real estate has become a new bright spot of Tesco's business in china. At present, the first batch of 3 shopping centers are located in Qingdao,[link widoczny dla zalogowanych], built in Qinhuangdao and Fushun. The new shopping mall to Tesco supermarkets,[link widoczny dla zalogowanych], retail, catering,[link widoczny dla zalogowanych], entertainment and leisure in one. Qingdao is located in the shopping center will be the first to open by the end of this year.
The world's top five hundred enterprises
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Hold a giveaway! Everyone likes free items, and this method not only generates excitement with your business, but also more visitors to your site. There are websites that operate specifically to find and promote giveaways to people, and these will definitely help to bring in more customers. Take advantage of it!
Use incentives! Your online store should offer an incentives program for your customers. This will encourage loyalty to your product and/or services! A bonus points program is easy to start, and is proven to generate more sales! In addition,[link widoczny dla zalogowanych], it gives your customers a greater sense of satisfaction each purchase they make!
Having to fend for yourself in life can definitely be tough. But then again, nobody ever said it would be easy. Nothing about finding a career is easy, especially if you're attempting to build up your business. It can be painstakingly tedious and exceedingly difficult. That's why it's important to use website marketing tips like the ones in this article.
Viral marketing is the fastest way to reach the greatest number of people, but how do you come up with an idea that the public is going to find so fascinating? While there are no guarantees when it comes to public opinion,[link widoczny dla zalogowanych], there are some tips that can give your online marketing campaign the best chance of success. Feature your product in a video that is hysterically funny. Create a fun online activity or a unique online tool for conducting research. Make a rebrandable ebook or video that allows your affiliates to add their own links. Even if your idea doesn't go viral, you've still used an innovative method to market your business.
If you are seeking a new trick to add to your Website marketing strategy,[link widoczny dla zalogowanych], consider adding content video to your business plan. Creating video content online for your service or product can lead to a real boost in profits. They can take the form of demos of your product in action,[link widoczny dla zalogowanych], reviews from satisfied customers or tips for effective use.
If anything, these tips should help you to simplify the marketing process a little bit. It's still not going to be a piece of cake,[link widoczny dla zalogowanych], but nothing worth doing ever is. Apply these tips correctly,[link widoczny dla zalogowanych], focus on what you're doing,[link widoczny dla zalogowanych], and you will watch happily as your business begins to grow and profit.
By Ramil Morla
See all Articles by Ramil MorlaSee Ramil Morla's Expert PageGet Updates on Internet MarketingGet Updates on Ramil Morla Average: 0 Your rating: None Tweet
Every time you send an email, make sure that the signature at the bottom has your name,[link widoczny dla zalogowanych], the name of your business and your web address. This is a helpful tool for anyone who would like further information or a quick question they think your site will address for them.
Find other e-zine publishers if you have one and ask them if they would like to exchange ads,[link widoczny dla zalogowanych]. Look for an e-zine that gets a lot of readers who might be interested in your website. You could even pay a popular e-zine to give you some advertising space in their next issue,[link widoczny dla zalogowanych].
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If you send out emails,[link widoczny dla zalogowanych], make sure each one is personalized to the recipient. There are programs available to do this for you, so there is no reason to send an email with a boring title. Adding the customer's name personalizes the product, giving them the idea that this email was specifically meant for them.
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An accomplished set of search marketing services are offered with massive expertise,[link widoczny dla zalogowanych], progressive tools,[link widoczny dla zalogowanych], stubborn dedication and meticulous work ethics. These abstracts are vital enough to ensure top rankings for the websites that last long. It also ensures significant traffic and sales with more traffic and revenue. SEM service providers create a nitty-gritty plan to analyze and scrutinize the website and its other aspects thoroughly. Search marketing professionals are systematic in their execution approach and also maintain the trend of excellence and commitment at any cost. They always ensure that clients must get guaranteed SEO results within the stipulated time frame in cost-effective price tag.
In terms of achieving the highest search rankings for a website,[link widoczny dla zalogowanych], continuous efforts are needed by the professionals in the domain. Search marketing is a comprehensive process that accommodates a number of SEO strategies and mechanisms that are really meant to accomplish the tasks of being visible. In very compact and fast-changing, highly competitive world,[link widoczny dla zalogowanych], intelligent internet marketers work round the clock and tirelessly to offer clients higher ranks in the websites and improved search rankings in search engines as well.
A number of white strategies are included in an accomplished search marketing plan. Every service individually has its own important to the clients and help fully to gain the desired rankings and visitor traffic. These strategies are fully functional and include Search Engine Optimization,[link widoczny dla zalogowanych], Social Media Optimization,[link widoczny dla zalogowanych], Pay per Click and Press release submission etc. In the context of search marketing,[link widoczny dla zalogowanych], each and every step has its own significance. A service provider in the domain usually offers On-page and off-page optimization services,[link widoczny dla zalogowanych], guaranteed ranks for targeted keywords, excellent website growth and SEO ranks with round the clock monitoring and maintenance of website ranks.
A perfect and experienced search marketing company helps its global clientele to promote their businesses and online ventures at the Global levels with perfection and ease. Our dedicated,[link widoczny dla zalogowanych], tested and proven search engine marketing strategies are the best tools that help online businesses to improve their search engine rankings and traffic situations for desired keywords. SEO professionals achieve ranking and visitor traffic by utilizing best expertise and fully established search engine optimization techniques prevailed in the market place.
By Raj Gautam
See all Articles by Rich BellGet Updates on Internet MarketingGet Updates on Rich Bell Average: 0 Your rating: None Tweet
The arena of online marketplace is now growing widely by leaps and bounds. Marketers are now looking forward to widely accepted strategies and mechanisms to get the websites top in search engines like Google,[link widoczny dla zalogowanych], Yahoo and Bing as well. Search engines are playing a crucial role to let the users having their favorite products and services on few mouse clicks. Experts in the domain of search marketing are specialized in executing several prominent search engine marketing activities that prominently focus on search engine optimization.
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Another way of creating an attractive brochure design is to use the design of the product in brochure. For example,[link widoczny dla zalogowanych], if you sell “Jeans” then you should create your brochure in the shape of Jeans. It’s not difficult to create brochures in this manner. However,[link widoczny dla zalogowanych], it’s better to discuss with the design company first and ask if they can do it for you or not. Remember, if the shape is not relevant,[link widoczny dla zalogowanych], then it will have a negative impact on your business.
Now, one important thing to note is that you don’t want it to look like a Business Plan. The main purpose should be to introduce your company briefly and share the benefits of your products and services. Focus more on benefits then features. There is no need to write a long and complicated story about your business, because in the beginning, your potential clients will be more interested in knowing about the benefits of your products instead of your business history.
When it comes to business promotion and marketing, it’s the effectiveness of your advertising campaign that makes all the difference. There are tons of methods that enable you to promote your products and services both locally and globally.
Also, colors do play a crucial role in making a brochure successful. However,[link widoczny dla zalogowanych], if not used correctly,[link widoczny dla zalogowanych], the end result will be similar to a kid’s color book. So, you have to strategically choose the colors as well as apply them to look professional and elegant.
By Claudia Winifine
See all Articles by Claudia WinifredGet Updates on Business NetworkingGet Updates on Claudia Winifred Average: 0 Your rating: None Tweet
When it comes to business promotion and marketing, it’s the effectiveness of your advertising campaign that makes all the difference. There are tons of methods that enable you to promote your products and services both locally and globally. However, if a particular method is working for a business,[link widoczny dla zalogowanych], then it doesn’t mean that it will work for you as well automatically, because when it comes to marketing you have to be careful in planning and executing your ideas. So,[link widoczny dla zalogowanych], when you come across or see an idea,[link widoczny dla zalogowanych], then don’t just think that it will work automatically. Simply sit down and make a plan that how you can make it work for you.
Last but not least…Don’t use any DIY tool if you don’t know much about designing. Your brochure design creates your brand image and if it looks unprofessional then this is how you business will be perceived. So, make yourself look professional with a professional and high quality design.
Now,[link widoczny dla zalogowanych], in today’s world, brochures play a significant role in promoting businesses of all types. However, the thing to consider is that your brochure must grab the attention of your target market and get them interested in picking it up and reading it. If you are a newbie or if you don’t know much about designing a brochure,[link widoczny dla zalogowanych], then here are some tips that will allow you to create an attractive and professional brochure design that will help you achieve your business goals.
The first thing that you need to focus on is how you are going to grab the attention of the viewers. Remember, if the design is weak and the headline is not compelling,[link widoczny dla zalogowanych], then no one will pick up the brochure. Thus,[link widoczny dla zalogowanych], you must ensure that your headline copy can easily grab your market’s attention. Writing copy is not an easy task so rushing won’t be good at all.
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Standing Committee of Guizhou provincial Party committee,[link widoczny dla zalogowanych], Guiyang municipal Party committee secretary Li Jun wants to go after the really cadres and masses together eat to live with labor, the rapid integration of rural life, traveled to every household,[link widoczny dla zalogowanych], familiar with the local people and make friends. I hope everyone with practical,[link widoczny dla zalogowanych], powerful output,[link widoczny dla zalogowanych], money, have idea idea,[link widoczny dla zalogowanych], more hands-on,[link widoczny dla zalogowanych], many errands, "act as a go-between", helping to coordinate the funds and projects,[link widoczny dla zalogowanych], to help provide rich information,[link widoczny dla zalogowanych], help clarify the thinking of development,[link widoczny dla zalogowanych], as far as possible for the masses practical, good things.
recently, Guiyang city from city and county level two organizations selected the first batch of 1778 cadres to the 77 township (town), 39 street, 1166 villages, 424 community point of attachment, or time in a year, a year a rotation, substitutions do not change point. The hanging wall cadre names,[link widoczny dla zalogowanych], sending units, hanging positions,[link widoczny dla zalogowanych], the phone was published in "Guiyang daily",[link widoczny dla zalogowanych], accept the supervision of all parties.
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Li Zhanshu on behalf of the Guizhou provincial government, welcome to the Guangxi Zhuang Autonomous Region party and government delegation to the investigation, thanked Guangxi for its support for Guizhou's economic and social development and help.

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There ...Your efforts to achieve organized living cannot be achieved without clutter control. If you are living with too much stuff you are giving the clutter thief permission to steal from you. Without consistent and systematic efforts to declutter,[link widoczny dla zalogowanych], you allow the thievery to continue unabated.
There can be no question that clutter is the number one thief in the organized living neighborhood. It takes up space that belongs to you and it does so with your permission. If someone was coming into your home every day and stealing your material goods you would take action to stop that thief,[link widoczny dla zalogowanych], and yet your clutter continues to steal from you every day that you allow it to exist.
By Beverly OMalley
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Most modern homes today have intruder alarms but no amount of sophisticated security systems will stop the clutter thief,[link widoczny dla zalogowanych]. There is no technology that that will alert you to the build up of clutter and no organized living police to come and catch the clutter criminal,[link widoczny dla zalogowanych]. Only you can do that.
Your efforts to achieve organized living cannot be achieved without clutter control. If you are living with too much stuff you are giving the clutter thief permission to steal from you. Without consistent and systematic efforts to declutter,[link widoczny dla zalogowanych], you allow the thievery to continue unabated.
self respect - if you do not want people in your home because of its current cluttered state you are allowing clutter to rob you of your self respect.
focus - if your environment is so cluttered you don't know where to start then the clutter thief has robbed you of your focus and ability to set priorities. Clutter in your environment distracts you from the important things that you should be focusing on in order to manifest the life that you really want.
future - clutter keeps you oriented to your past and tied to things and events that have already happened. What is the difference between clutter and memorabilia? Clutter keeps you stuck in the past effectively stealing your future,[link widoczny dla zalogowanych], whereas memorabilia celebrates the past and promotes good feelings about the life already lived. This promotes self confidence so you can move towards the future.
energy - your stuff is an energy thief. Feng shui teachings suggest that clutter blocks the proper flow of energy in a space and that "stuff " that hangs around represents blocked energy. No wonder people with cluttered lives say they cannot mount the energy to "deal with it". Together with another thief called depression, your clutter steals an immense amount of energy leaving you feeling physically,[link widoczny dla zalogowanych], emotionally,[link widoczny dla zalogowanych], and spiritually drained and unable to mount any kind of defense against the energy hemorrhage from the wounds these co-conspirators inflict.
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clarity - without consistent efforts at clutter control your stuff will quickly build an enormous mass until it becomes so overwhelming you lose your ability to set priorities and make good decisions. You see,[link widoczny dla zalogowanych], the clutter thief counts on you to lose your ability to think clearly so that it can continue robbing you.
The stuff in your environment is robbing you blind. It is robbing you of:
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Ohio is one of the 26 states which are challenging the Patient Protection and Affordable Care Act of 2010 provision which requires all Americans to purchase health insurance starting in 2014 or pay a fine.