September 2016

Make Six Figures as a Personal Trainer and Have a Life

How much do top-of-the-line personal trainers make? Well, when I compare what I make as a personal trainer to the millions so many people on the Internet claim to be earning in the fitness industry, it feels like chump change. For example, I got a hard-sell automated e-mail message from a fitness marketer a while back, in which he claimed he’s a millionaire and that one of his friends is earning more than 150k–a month. I don’t make much more than that a year as a personal trainer so I know that such “success stories” can make you feel as though you’re heading down the wrong career path. So why pursue top-level training? Why should someone want to be a personal trainer and earn just 100K? Well the answer has nothing to do with money.

Don’t get me wrong; income’s important, but there are other things to consider, such as:

– What’s your take-home pay?

– How many hours do you work?

– Do you enjoy your job?

– Where are you headed, professionally?

– Are you the kind of person you want to be?

– Does your work fulfill or bore you?

These are the factors to weigh when deciding how much importance to place on how much you earn because they’re what being a top-level trainer is about. It has nothing to do with the income, because when you take all the factors into account, what this profession offers you is way more than just what the 100K represents.

Not that anything’s wrong with earning six-figures…After all, a $100,000 income has a certain cache and significance in America.

It signifies membership into the consumer society. You can now participate in and enjoy what people call the American dream and way of life. When you stop to think about it, our entire consumer society and marketing is devoted to these six figure earners. For example:

– You can afford payments on a Mercedes Benz.

– You can save enough to buy a home.

– You can afford to build a high-fashion wardrobe.

– You can take vacations to places to domestic resorts and abroad.

– You can afford to put away about 10% of your income each year.

Is all this superficial? Yeah, but if you can’t have or do these things, you’re going to feel left out, as though you’re one of the un-cool kids that can’t get into the party. But, consider the price of admission to that party. We get to feeling it’ll take millions of dollars to live a comfortable and appealing lifestyle. So, we wind up working for years

on end and sacrificing the best years of over lives and countless other things to get the kind of lives we want but wind up squandering much of them in that pursuit. We fail to realize is that just a simple plan to six figures in earnings would have got us there! I remember …

When starting your own small business one of the most important aspects to think about is the accounting process and how you choose to account all of your financial information. It is important to understand that the accounting of your business’s financial information needs to be accurate or else your business may not be as successful as intended. Even if you don’t like accounting or numbers, there is no way to avoid accounting for a business. The purpose of accounting for a business is to have a record of the receipts and expenditures of it’s daily activities. Also, accounting makes it available for the business owners to assess and analyze the business’s performance. This will help the owner to decide what improvements they need to make, or what practices to keep doing in order to keep the company at it’s successful place.

In order to file for tax returns, apply for a loan to expand your business, or for certain legal purposes, accounting is necessary. Accounting for your small business is also important so you are able to assess your financial performance. The financial statements such as the balance sheet and cash flow statement show financial information that is important in the success of your business. The balance sheet shows how much your business is worth and what your assets are. The cash flow statement shows where the future cash needs of your business are. Without any of these financial statements your business would not be able to account for the revenues and profits made from day to day, which results in mistakes and inaccurate records.

In the tough economic times we are facing today, having accurate accounting is necessary. There are so many firms that can assist you in accounting for your small business. So many small business owners believe that they need to be able to do their own finances and take the accounting in their own manners. However, that surely is not the case. It is much better to hire a firm that is respectable and can help assist your company in the accounting department. That way, while the firm is handling your accounting necessities, you can be improving your business by putting your name out there to draw in more clients, keep a strong relationship with existing clients, and encourage your employees constantly so that they, too, are putting their best efforts towards your company. This will definitely improve your business and help you as the small business owner to feel more confident and less stressed, knowing that your finances are safe with a trusted accounting firm. There are too many instances where small business owners have tried to take accounting into their own hands, and unfortunately have not succeeded in the process. If you want to have a successful business, you have to learn to keep the accounting out of your job task. In addition to hiring an accountant, as the business owner it is important to purchase accounting software, such as QuickBooks. This type …

Just about anyone would love to start their own business. The thought of being able to call the shots and work on your own really sounds great on the surface, but becoming an electrician is a far more difficult task than most people think. It takes years of dedication and learning to become licensed and to become a credible business is a whole other struggle.

Here are the Pros of why you should start you own electrician business:

• Potential Income – Electricians can make anywhere from $40 – $100 dollars an hour and the electrician business is one of the fastest growing businesses in the United States. For you this means there is going to be plenty of money to make if you can become licensed and insured.

• Self Employed – The great thing about become an electrician is the fact you can run your own business with your own rules. You can work from your home or office as long as you have all the materials needed to perform services.

• Tax Benefits – There are a lot of tax benefits of running your own business. The government will literally give you money for start-up costs. The schooling you need will be costly and the government will help out with a portion of that as well.

Here are the Cons of why you shouldn’t start you own electrician business:

• Apprenticeship – It takes years of being an apprentice to a licensed electrician to be able to become one of your own. Some people just don’t have the drive to make it through the years of schooling and apprenticeship that it takes to become licensed in this business.

• Dangerous – Electricians have the possibility of being electrocuted and killed if the right voltage is discharged. There are stories all over the internet about electricians accidentally getting hurt or even worse, killed on jobs where something went wrong. This is a very dangerous job that has high risks of injury. Keep this in mind if you have children or people that rely on you on a regular basis.

• Competition – The competition is this field is high but if you are licensed and insured, you will set yourself apart from a high percentage of the electricians marketing themselves online or on Craigslist. Most of the electricians that you will find on Craigslist, might say they are licensed but they really aren’t. I suggest that when you get your license, you display it on your ads and website, so people know that you are licensed and insured right away.

Becoming an electrician is not an easy task but if you stay motivated, finish your schooling and apprenticeship, and get licensed and insured, it is very likely that you can become successful in this business.…

Trimming down and maintaining your ideal weight can be hideously difficult. From eating the right food to choosing the right exercise and everything in between, one may invariably forget one pertinent detail or make a mistake regarding their diet and end up 10 pounds overweight or with bulging biceps when all you really wanted was to tone your muscles.

While the fee that a personal trainer may charge may make your knees bulk, wait till you read and learn about the benefits of hiring one.

Accurate Fitness Evaluation. Let’s face it; a lot of us tend to over- or under-estimate our physical abilities and therefore end up with strained muscles and joints (which can lead to health problems) or a lax exercise regime (which lengthens the time enabling us to reach our fitness goals). However, with a personal trainer, your physical fitness will be accurately evaluated and you can be quite sure that whatever fitness program you end up with is the ideal one for you.

Motivation. It really is easier to exercise with someone around and a personal trainer is just the right person to have on your side if you have a fitness goal you’re sweating to attain. A personal trainer will know exactly when he has to act as a tough general, a great source of encouragement and inspiration or simply as a friend to talk to and listen to your personal health woes.

Customized Fitness Program. Contrary to popular opinion, there’s no such thing as an exercise or diet program that fits all. In short, what may work for others may not work for you and what may take others weeks to achieve may mean one year’s worth of effort in your part. But how will you be able to determine what fitness program is best for you unless you consult an expert?

Safety.A lot of accidents can happen during unsupervised exercises so having a personal trainer will ensure that you are using health club equipment the right way. Not only does this prevent serious physical injuries, it ensures that you get the most out of your exercise routines.

The Need for Change. Perhaps one of the things that hits even the most health-conscious individual is boredom! Sometimes, all that one needs is a little change in one’s exercise routine and with a personal trainer beside you, he or she can can come up with different exercise programs, all geared towards keeping you active and interested in going to the gym.

What to Look for in a Personal Trainer

So are you convinced now that a personal trainer is what you have been needing all this time? If so, following are some of the items you should look for in a personal trainer.

oEducation. Remember, you are relying on this individual to guide you in your fitness goals. As such, it is important that he or she is certified by reputable fitness organization such as ACSM or NSCA.

oExperience. It builds one’s trust and confidence …

Ethics is important not only in business but in all aspects of life because it is the vital part and the foundation on which the society is build. A business/society that lacks ethical principles is bound to fail sooner or later. According to International Ethical Business Registry, “there has been a dramatic increase in the ethical expectation of businesses and professionals over the past 10 years. Increasingly, customers, clients and employees are deliberately seeking out those who define the basic ground, rules of their operations on a day today….”

Ethics refers to a code of conduct that guides an individual in dealing with others. Business Ethics is a form of the art of applied ethics that examines ethical principles and moral or ethical problems that can arise in business environment. It deals with issues regarding the moral and ethical rights, duties and corporate governance between a company and its shareholders, employees, customers, media, government, suppliers and dealers. Henry Ford said, “Business that makes noting but money is a poor kind of business”.

Ethics is related to all disciplines of management like accounting information, human resource management, sales and marketing, production, intellectual property knowledge and skill, international business and economic system. As said by Joe Paterno once that success without honor is an unseasoned dish. It will satisfy your hunger, but won’t taste good. In business world the organization’s culture sets standards for determining the difference between good or bad, right or wrong, fair or unfair.

“It is perfectly possible to make a decent living without compromising the integrity of the company or the individual, wrote business executive R. Holland, “Quite apart from the issues of rightness and wrongness, the fact is that ethical behavior in business serves the individual and the enterprise much better in long run.”, he added.

Some management guru stressed that ethical companies have an advantage over their competitors. Said Cohen and Greenfield, “Consumers are used to buying products despite how they feel about the company that sells them. But a valued company earned a kind of customer loyalty most corporations only dream of because it appeals to its customers more than a product”.

The ethical issues in business have become more complicated because of the global and diversified nature of many large corporation and because of the complexity of economic, social, global, natural, political, legal and government regulations and environment, hence the company must decide whether to adhere to constant ethical principles or to adjust to domestic standards and culture.

Managers have to remember that leading by example is the first step in fostering a culture of ethical behavior in the companies as rightly said by Robert Noyce, “If ethics are poor at the top, that behavior is copied down through the organization”, however the other methods can be creating a common interest by favorable corporate culture, setting high standards, norms, framing attitudes for acceptable behavior, making written code of ethics implicable at all levels from top to bottom, deciding the policies for recruiting, selecting, training, …

1) Caution! Don’t Start Online”…”Yet: Everyone wants to sell on the internet as it opens your business up to the entire world. Many people try to immediately start selling online via a website only to find out they make very few sales. Why? No one is finding their site. Selling online is great, but it can take time to get sites set up or traffic to your site. Simply put, starting a website will get you nowhere if you don’t get traffic to see it. There are lots of variables in getting your website noticed by Google but we will save that for a later article. Easier ways to begin selling online are by listing your bows on eBay or Etsy. Both of these sites allow a beginner to showcase their products with ease. If your product is priced competitively and you have good pictures to display, you should be able to start selling right away via these sites.

2) Local Business Marketing: We recommend this as one of the best ways to start selling your hair bows and ribbon products. This is why we listed it as the first “do” item. Many people try to immediately start selling online via a website. Selling online is great, but it can take time to get sites set up or traffic to your site. To get off to a quick start, focus your efforts initially on your local market. Find local boutiques and children’s stores and drop by with examples of your products. Be sure to have an idea of how you both will benefit from working together. You can sell your bows at a wholesale price or work out a commission for the store if they agree to sell your hair bows. Get in touch with the local schools cheer leading and dance teams. Consider creating school fundraisers and doing “hair bow parties”. Hair Salons are also great avenues to sell your bows. Finally, do what we did starting out and sell at some nearby community craft shows or public events where a booth can be purchased.

3) Social Networks: Facebook and Twitter and similar networking sites are the rage these days. Don’t forget to use these sites to market your business. Learn the options of each type of site and focus your efforts on getting followers by posting great relevant posts. Use these sites to show pictures of your creations and post bow ideas to your followers. Announcing promotions and sales are a must on social networks.

4) Blogs: There are lots of Blogging sites you can use. Blogger and Word Press are two popular options where you can easily create a blog for your business. Post pictures and write about your products. Come up with creative designs that will catch the eyes of your readers. Make sure you link your blog to your website which can help drive sales

5) eBay and Etsy: Rather than starting with a website, start generating business online with eBay or Etsy. These …

Managers can rely on the carrot or the stick to reward or punish employees. Unfortunately, most managers don’t give much thought about how they reward or punish. In dozens of management development courses I have delivered, I have asked managers, what they use to motivate their employees. Most say money. When asked to think deeper about employee motivations they often realize that they have not really given much thought about what motivates employees, much less given much thought about how they as managers do it.

Few have given much thought to the fact that the wrong type of reward can in fact have the opposite effect. I always share with them the story of the top sales representative at a large pharmaceutical company where I used to work. He was the best the company had. Not only did they reward him with bonuses, but they also had many award trips that representatives could win on a quarterly, semester and yearly basis. He practically won them all! He was winning trips to exotic locations and exciting cities all over the country. I was working in a sales operations position at the time. I visited with him to learn more about his success. During our visit I was shocked when he told me how unhappy he was with the company and how he was thinking of leaving!

I soon learned why. He had a large territory and was constantly “on the road”. He also had several small children. While he realized that he had to travel to be successful, he did not appreciate the fact that almost every 3 or 4 months the company expected him to go on these fancy trips, which took him away from his family even more. He asked, why couldn’t they just give him the money or award him with prize points, rather than force him away from his family! Management had never considered if the type of rewards we were offering was really motivating those who received them. The same is true, if not more so, when it comes to punishment. When working on case studies dealing with difficult employees, attendees at my leadership development programs usually respond first by saying simply “fire them”. They also talk about putting them on “performance improvement plans” or other types of punishment. Few have given serious thought about the type of punishment or the manner in which they deliver the punishment and whether it has impact on improving behavior in promoting the desired type of organizational conduct in the future.

In a study designed to discover if the way managers deliver punishment has a positive impact on behavior within organizations, Ball, Revino and Sims showed that “punishment can positively influence subordinates’ subsequent behaviors (and prevent negative behaviors) if the punishment is conducted in a particular way” (1994, p. 314). They found that positive results occurred when punishment was perceived by the employee to be just and “matching the infraction” they committed and “consistent with what others have received” for …

Whenever we are looking for a particular bank product, we of course always want the best for ourselves. There are numerous services that banks offer. The following article intends to outline 10 of the principal services that banks offer and the reasons why we would want the best in each one … for ourselves!

Wanting the best for ourselves is especially true when we are looking for a means to entrust the safe keeping of our money. So where is the best place for your money? Give it to a friend? Put it in a piggy bank? Hide it in a particular place where only you know? Put it into a bank? Well these are some of the possible places and means wherein you can keep your money. But there is one thing that these ways have in common: they are all actually risky. They are all risky in the sense that the money you have entrusted to them are in danger of being spent, destroyed or will be worth less to you when you take the money back.

Of course, entrusting your money to a reliable and trusted bank is one of the most trusted ways to keep your money safe. Of course to do this, you have to open a savings account first before you are allowed to deposit your money with a bank.

Before opening a bank account, it is best practice to carry out any research about any prospective bank. If you think you are satisfied with your research and think that the bank you have chosen can meet all your business and personal needs, then this will be the time for you to enroll yourself and begin to make your deposits.

I Now Have A Bank Account!

Now, you and your money are already relatively safe and secure. I have to congratulate you for finding the best bank for you. However, I would like to reiterate here that all banks vary in the services they provide. A good example of the common services offered is the savings account. This is basically the initial service one can ever have when joining a bank. With regards to services, there are also some cases where some banks offer one type of service and others do not.

10 Services Offered By Banks

For you to have a clear view of a bank's services, I have included 10 of the services that most banks offer to consumer banking customers.

  1. Savings and other Accounts
  2. Online Banking
  3. Wire Services (includes customer care service)
  4. Payroll
  5. CDs
  6. Payments
  7. Collection
  8. Transfer of Funds
  9. Bill Payments
  10. Loans

I have seen a lot of articles that list scriptures for Christian business owners, but rarely do they have practical wisdom that goes with them. Yes, scripture can speak for itself, but when we are struggling Bible verses seem to get glossed over by our stressed out mind.

I want to share with you seven Bible verses with seven thoughts and seven insights. I know when I am going through a tough time, it helps me to ‘hear’ from someone who understands what I am going through. It makes the Bible come to life when someone shares it from a perspective of a Christian entrepreneur.

Worries are like butterflies, they need to be released.

It is easy to worry. There are so many things to think about it can be overwhelming. Take heart… and mind. When we look at the way we try to handle our problems, we often leave God out of the solution. He cares about all the things you go through and is there to help when we ask Him. We must learn to release our worries to God so that He can work wondrous things for us.

Philippians 4:6-7 “do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.”

Humility lets us bring others into our struggles.

Sometimes when we get caught up in tough times we try to take on everything ourselves. We must learn to delegate and let others help us. We must bring others in to pray for us and with us. We are leaders in our business, but more than that, we are part of a faith community. God wants us to help us with our anxieties and He may have placed people in your life to do just that. We must remember that God cares for us.

1 Peter 5:6-7 “Humble yourselves, therefore, under the mighty hand of God so that at the proper time he may exalt you, casting all your anxieties on him, because he cares for you.”

Our reaction to our struggles defines our success.

We don’t like to go through hard times, but when we do our reaction to those tough times can make or break us. When we redefine our struggles in light of what God is doing and has done in our lives, we find God’s power working even in the tough times.

James 1: 2-4 “Consider it pure joy, my brothers, whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance. Perseverance must finish its work so that you may be mature and complete, not lacking anything.”

Perspectives help us define our problems.

When we go through tough times, we get caught up thinking about all the bad things that could happen. I have an elderly lady at my church tell me, “Quit sowing …

When setting up a business, aside from a good business plan, it is important to use the right location. As in the maxim for real estate, it is all about location. Without a good site, a business idea may be good but will have less chances of success. On the other hand when a business is located in a strategic place, the outcome can be entirely different.

Whether one is setting up a business office or shops in retail area or a commercial building, one has to check that the area is in a good location. Getting a prime location can be a wise investment. It has the advantages of enjoying visibility and good traffic. Recognizable location plays an important factor too. People tend to flock to areas that are well known and have good reputations.

Maintaining a business in an out-of-the-way area may hold allure for some people but this would depend on the nature of the business. Unless one’s business is about rest and recreation, setting up the business in an out-of-the-way site defeats the purpose of doing business.

It is important likewise for it to be accessible. Ideally, the place must be near or accessible to housing developments so that the staff and personnel would have no problems going to and from work. Studies have shown that less travel time between job site and one’s home results to more productive workers and positive attitudes of staffs as well. Commuting can be energy draining especially if travel time is long and involves problems such as traffic jams.

One of the best places to do business in any city would be in the Central Business District or CBD area. Another common name for the area would be downtown. It is here that most financial centres and business activities take place. Big banks and important companies would hold office here. Commercial offices for sale and for rent are likely to be more expensive and may sometimes be hard to come by. However, it is also in these places that business can be done conveniently because of proximity to suppliers and clients alike.

Look for real estate agents or online sites that offer commercial spaces for rent in these prime locations. Most reputable realtors would have a listing of office spaces and shop areas. Some of them may even know of possible locations that may soon be up in the auction market that you can take advantage.…