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If you're working in two different worlds, you might find a complication between the ways business is run and the way things work in the technical world. For example, computer programmers and math geniuses are not savvy to business mindset principles because they focus on the rational and explained ideals of the technical mindset. Technical mindsets and business ideas vary greatly, and someone seeking work in a mix of the two fields may find themselves fighting between two sets of guidelines.

Business owners that have a good business mindset build their foundation on creativity, innovation, commitment, and passion. This is what it takes, after all, to become successful in business, and taking the time to change your way of thinking to consider these things first will be essential to your achievements. However, if you're more likely to think in a technical frame of mind, including things like details, concrete answers, and only one way of doing things, you either need to skip starting a business, or take the time to get acquainted with A new way of thinking by actually psychologically re-training your brain to consider different elements first in different processes.

If you have a similar mindset in place, you'll be better suited than someone who has a technical mindset already. It is easy to teach the brain something new, but very complicated to teach it a different way of doing the same things it's always done. Coming to a business mindset from the technical world will likely create more chaos in your mind than if you came from the regular world. That does not mean that computer gurus and technical minded people around the world can not be business owners; It just means that they'll have to work that much harder to succeed at what they do so that they can accomplish their business goals and change their way of thinking.

If you're interested in becoming a computer technician, a math teacher, or a programmer, a technical mindset of how things work and finite answers will do. However, if you're looking for a successful career in business ownership, you'll need to get out of the box and focus on creativity, innovation, and constant intrigue. If you are not already endowed with a business or entrepreneurial mindset, it can be easy to learn as long as you're willing to invest the time. Either way, you should not get discouraged when you're trying to train your brain to have a business mindset; Just take the time you need and focus on the positive things instead of the difficulties you experience. …

If you are a felon looking for a second chance to get on in life, what are the options open to you? It is well known that jobs for convicted felons are not easy to come by, but everyone deserves the opportunity to put the past behind them and strive for something better. One of the best ways to achieve this is to start your own business in multi-level marketing. In this article, check out if you can make money with MLM.

MLM is short for multi-level marketing and includes names such as Avon, Tupperware, Herbalife, Amway, Pampered Chef, Xango and Gourmet Coffee. Don’t worry, there are other choices. The important thing is to find a product that you are comfortable with and can endorse happily within an inch of your life!

Endorsing an MLM product means that you buy it and find a way to encourage others to buy, usually with the party-plan method. In the process, you recruit others to join you and earn commission from not only your own sales, but also those of your ‘team’.

It certainly isn’t a get-rich-quick option, but if you approach your business with hard work and treat it like a real job, you have the chance to build a successful home based business. So, what will help you make money with MLM?

1) Money! There will be an initial cost to join and buy the MLM goods, plus you will need to add to your products, find new business, make phone calls, travel by car for collection and delivery, and learn how to become a good sales person and find other ways to promote your product (training).

2) The right opportunity. Research until you are happy with a product that gives you a buzz and makes you want to get out of bed in the morning (otherwise you won’t!)

3) Decide if it is a luxury item or something that people can buy on a regular basis

4) Decide if the products are affordable and popular.

Don’t forget to check out the MLM company history and growth before you join. Are finances solid and secure? Are there other competitors in your area, or is it a unique opportunity for you?

What else will help you make money with MLM? Well, are you prepared to invest a good amount of your time into growing and practicing your business? You will most like need at least six months to build the business up, so don’t expect huge results for a while.

People who make serious money with MLM products invest a lot of their time and efforts in recruiting and leading their team, since this is where the ‘passive income’ originates. If they do well, you do even better. It is essential to be a people person, but there is another way too.

It is possible to promote your MLM product online and many successful business owners have found out how they can market their business using different strategies. Check out one internet …

Magic Squares make a potent talisman or charm for enhancing certain talents and abilities of their bearer. Numerology provides us with a powerful way to construct a personal money charm just for you. Let's see how this can be done.

Date of Birth as a Sigil

In numerology and astrology, your Date of birth is a defining signature element for you. Your entire reading in both disciplines is built around this number. So, if I wish to construct a magic talisman using numbers and associate it's power with you, using your date of birth in the charm is a natural way to build this association.

There are other means, such as using your name or signature in the talisman, but since I'm using numbers to construct the charm anyway, your date of birth makes a perfect sigil to represent you.

Yantra Magic Squares

Yantra magic squares are magic squares built using your date of birth, and your Life Path number as the top row of the square. They are powerful good luck charms for the person they are constructed for. But, they do not necessarily attract wealth and riches to the person.

Eight – The Money Number

In numerology as well as other physic disciplines, eight is associated with money and riches. To specifically attract more money to a person, I can construct a magic square talisman where the rows and columns sum to a number which reduces to (8) using fadic addition. The numbers: 26, 35, 44, 53, 62, 71, 80, 98, and 107 all have this properity.

So, in order to create my talisman, I start with someone's Yantra magic square, and then change the last box in the top row from their Life Path number, to a number which produces a square where the rows sum to (8).

Let's look at an example to see my meaning.

Johnny Depp's Money Talisman

Actor Johnny Depp was born on June 9th, 1963; So his Life Path number would be (7) as shown below.

Life Path = (06 + 09 + 1963) = (1978) = (1 + 9 + 7 + 8) = (25) = (7)

The first row of his Yantra Magic square we be his Month, Day, Year (less century) and his Life Path number, and would look like this:

(6) (9) (63) (7)

The row totals (85) which reduces to (4) by fadic addition. If I substitute a (2) in the last box on the row for his life Path number of (7), then the resulting row will sum to (80) which will reduce to and (8) using fadic addition.

Making the substitution, and then calculating the rest of the Magic square by formula, I get the following:

(6) (9) (63) (2)

(61) (4) (4) (11)

(3) (64) (8) (5)

(10) (3) (5) (62)

Summary

So with a little work, I can create a (4 x 4) Yantra magic square focused on a particular person, and targeted to draw money and financial success to them. …

The basic rationale for personal development can be understood from the necessity to understand one’s own human needs, together with spiritual, emotional and social development, because a failure to understand this about one’s own self is unthinkable if trying to understand and relate to other human beings in any meaningful way.

A person’s development can be perceived in many different ways; for instance as in Freud’s Psychosexual Development Theory (Marshall, 2004) which looks at stages of sexual development and the frustrations connected to each stage, or Havighurst’s Developmental Stages (Sugarman, 1986) and Tasks which identifies:

Tasks that arise from physical maturation

Tasks that arise from personal values

Tasks that have their source in the pressures of society

or through Maslow’s Hierarchy of Needs(Maslow, 1998).

Or indeed through any of the other methods and theories that have been developed, and which may be studied and related to the needs of a counsellor in training,e.g.:

Erikson’s Stages of Psychosocial Development Theory

Piaget’s Phases of Cognitive Development

Kohlberg’s Stages of Moral Development

Gilligan’s Theory of Moral Development

Which is to name but a few, and some of which will mean more to one person than to another.

What is really important is the core condition of recognising ourselves and others as human beings with developmental needs and developmental constructs, the understanding of which is paramount to enabling a real understanding of the human development processes and the requirements necessary in order to work towards living a contented and fulfilled existence for ourselves, and for engaging meaningfully with others working towards the same.

An individual’s decisions are often influenced by social construction, by adapting our personality to fit in with the expectations of friends, family and employers; whilst in relation to any other person we may act in response to our own unconscious and emotionally fuelled expectations. The person we are depends upon our life experiences and feedback from others about how we inter-relate with those people with whom we come into contact, as well as the physical, cultural and spiritual worlds in which we find ourselves. If we are to be able to relate to others whose personal construct and developmental processes that have led to what they have become with any real empathy and congruence, we must first understand our own construct. In taking responsibility for learning about our own emotional and social actions, understanding and development, we act authentically; but allowing our social construct to make choices for us could be seen as acting un-authentically.

Maslow’s Hierarchy of Needs takes a premise that once the most basic human needs are met it becomes possible to progress through successively more advanced levels of need, to culminate in ‘self actualisation’. If we engage in exploring this process we allow ourselves the opportunity to develop a relationship with one’s self which leads to and enables the establishment of a more understanding relationship with others.

This hierarchy of needs is based on a ‘Humanistic’ approach and the concept of ‘self actualisation’ as described by Carl …

While most people prefer other businesses, some people get into laminate flooring business. Like any other business in the world, if done right, it’s a quite profitable business. Laminate flooring has been successful since it was introduced on the market, first in Europe and then in the United States in 1996.

Here are some basic steps to follow before you start your laminate flooring business:

1. You should make specific short and long-term plans with clear goals and ways to evaluate them. Determine the resources needed such as the place from which you will work, people, money etc.

2. You should have a pretty good idea of what products and services you will sell and the benefits people who buy them will get.

3. Find important information about your competitors like their strengths and weaknesses because it helps you in setting a competitive bid. Always try to be unique.

4. Focus your promotions effectively by knowing who will buy your products/services. Think about the different promotion strategies and find out the best that suits your business. Focus your promotions in reaching the greatest number of customers.

5. Set up your laminate flooring business. Find out the start-up costs (gear, furniture, licenses etc.). Also find out how much you will have to pay to stay in business. These costs usually include rent, taxes, utilities, promotional expenses, etc.

6. Insurance is a must. There are several types of insurance that you must have like health and property insurance, for example. You may have to talk to an insurance agent to determine what suits your particular situation.

7. Take care of all the legal matters. You should contact your state’s department of commerce and industry and find out all the things you need to do in order to start your own laminate flooring business. In most cases you need to get a business license from your local municipality.

8. Start a business checking account and use it to perform any money related operation like depositing your income or pay your business related expenses. Setup a fairly simple bookkeeping system to record all your income and expenses in a way that makes tax preparation and monitoring your situation easier. Ask your tax advisor or accountant to make sure you do this right.

This list is far from a complete one so use it just to learn the basic steps to be taken when starting your own laminate flooring business. You should consult a business professional and do additional research to make sure your business will be successful.…

One of the most essential aspects of having a successful final expense lead generation campaign is creating a script which works. While many companies that provide telemarketing will have scripts on file its recommended that you create your own script, at least as a reference so you get the sales opportunities you want. The reasons for this are:

  • You will always know your business and clients better than the telemarketing organization you hire.
  • A script crafted for your particular offering will sound better than a generic script that prospects may have listened to from your competition.
  • You can make the script give you only the information you need and match your offering exactly.

While its vital that you have a script that works for you there are a variety strategies which you can use to enhance sales.

  • Keep it uncomplicated, let the customer know why you are calling as well as why they should care.
  • Do not waste their time, if it requires 6 words to get to a point don’t write 10.
  • Keep the aim of the call in mind when creating the script. If you are producing a lead or setting an appointment that should be the goal of the call. Nothing else should be included.

This is the basic format you can follow:

Hello, may I speak with XXX. My Name is NAME.

I’m calling from XXX Financial Company. I’m calling regarding a free quote on final expense insurance that we are providing people in the area.

Our plans can save you up to $xxxxxx dollars on your funeral expenses and any outstanding debts you may leave your family.

If the prospect asks: “what is final expense?”

Final Expense is mini life insurance that takes care of any outstanding expenses and burial costs that you leave behind. It keeps your family from getting stuck with the bills.

Rebuttals to common questions:

  • The plans are extremely affordable and we have the most competitive prices. We can even work with individuals on fixed incomes.
  • This will only take a couple minutes and can save you and your loved ones thousands of dollars!

I just need to get some basic information…

  • Verify name
  • Husband age, wife age
  • Do you smoke, does your wife/husband smoke?
  • Do you have any serious medical conditions?
  • Verify the address

Thanks so much for your time. I’ll have one of our specialists follow up with you and get you a quote on a final expense policy. Have a great day!

After you have your script completed it isn’t set in stone. It can call for some changes based on the telemarketer’s feedback to get things running smoothly after the calls start to be made. You will also want to come up with answers to questions that prospects may ask during the call.…

Anyone who has ever been in business for very long knows that the most important numbers are not gross profit, but profit margin. You’re better off with $5,000 in sales and $4,000 in net profit than you are if you make $100,000 in sales, but only $3,000 in net profit. This difference is profit margin, and the snow cone business has a great profit margin because of the low overhead per product.

What’s the Profit Margin Math?

The snow cone business has huge profit margins, and because of that many people who buy shaved ice stands find they can make their initial investment back in less than a month…and sometimes much sooner! For any given snow cone you have very low overhead. A paper cup might cost 5 cents each when you buy in bulk, napkins are just under a penny each, while plastic spoons might be one and a half cents each.

Even with the syrup costs added in, the numbers still look very good. Prices vary based on whether you make your syrup from concentrate or buy it pre-mixed, but even then prices might range from 15-30 cents a snow cone at most. Add all of that up, and even if you only charged a dollar for shaved ice and had no up sells, you’d still make 65-70% profit. Very few businesses can say that.

Imagine doing $200 of business in a few hours and knowing three fourths of that was going into your pocket, and that’s not including up sells, if you can charge more than a $1 for a snow cone, or if you find a good deal in bulk buying and save even more in costs.

There are always ways to trim the numbers, as well. You can figure out good up sell products, find a good sale and buy in bulk to take down overhead even more, or maybe your location allows you to have higher prices. There are always ways to figure out how to make your business much more profitable overall.

So How Much Can I Pocket?

So what is the profit potential of a snow cone business? It depends on the sales numbers you’re looking at in your area, the foot traffic, and what prices you can charge. But the huge potential of the business comes from the high profit margin. How much can you charge per snow cone?

Even if you can only charge $2 a snow cone, sell 100 in an hour at a little league game or 500 at a flea market, or even 1,000 during the day at a beach event and you’re looking at some really good days, especially when you’re pocketing well over 60% of the money as net profit. There aren’t many businesses where you can count on pocketing a hundred or several hundred dollars in cash for a few hours of work just a week after starting.

If you’re in an area where incomes and average prices allow you to charge even more, …

So you’re looking for some new car parts to compliment your cars appearance and attitude on the road. Great! You’re just like most people driving down the highway. In fact, most people take pride in their vehicles appearance and performance, and spend lots of money on extensive modifications. However, this can get costly.

Sadly, not everyone can feed their need for speed with their current salary. Thankfully, there are a few services out there that allow you to pay for your purchases over time. This can be convenient for emergency repairs such as blown head gaskets, transmission failure, or other catastrophic failure that requires a fast repair, allowing you to get back on the road. These services can also be used to purchase parts that aren’t necessarily an emergency, but still desired by the owner.

I’ve found a few car part financing options, and I’ll provide some information about them in hopes of informing you to make the right decision if you see yourself in a situation requiring you to finance car parts.

PayPal Credit – PayPal credit, formerly known as BillMeLater has been around since 2000. Users sign up for free, submit information for a credit check, and can begin making purchases if approved for an account. Payment terms are typically set in increments over six months or until the total cost is paid off. If the total is not fully paid off after the six month period, an interest rate of 19.99% is applied in the form of a late fee. If considering using PayPal Credit, keep in mind the payment terms and be wary of the high interest rate. PayPal Credit is a good option for financing car parts since it is used by many e-commerce sites who typically have lower prices than many brick and mortar establishments.

CarCareONE – CarCareONE is a car part finance service which works very similar to a credit card. Run by Synchrony Financial which has been around since the 1930’s, CarCarONE allows to you make monthly payments on routine maintenance, trips to the gas station, and emergency repairs with moderately low interest. Furthermore, no interest is applied to your purchases if they’re paid off within 6 months. To sign up, you must apply and consent to a background and credit check before making purchases. CarCareOne is great for emergency purchases as it is accepted at more than 16,000 establishments nationwide, but keep in mind the high interest rates if not paid off with the first 6 months.

Affirm – Affirm is a relatively new way to finance car parts, but offers the most leniency on credit. Just like PayPal Credit, Affirm offers a line of credit for users to spend on purchases. However, this line of credit is not fixed, rather underwritten depending on the amount and the merchant purchased from. Affirm applies small finance charges with each payment, so you risk paying more over time if you decide to split your purchase into multiple payments, but the rates are generally …

MONEY WITHOUT MATRIMONY: The Unmarried Couples Guide to Financial Security, Sheryl Garrett and Debra Neiman, Dearborn Trade Publishing. Paperback $21.95 (248p) ISBN 1-4195-0688-9)

Who knew? If you were in a heterosexual relationship and got married, there would be 1,143 federal laws that protect your personal finances. But since that’s not the case for the 1.2 million gay and lesbian couples in America, out lesbians and Certified Financial Planners Sheryl Garrett and Debra Neiman have written Money Without Matrimony to help answer the hard financial planning questions. This well-written book helps gay and lesbian couples “plan around” the federal laws that negate right of survivorship benefits for same sex couples when tragedy arises like the illness or death of a partner. According to Garrett and Neiman, “If you want your partner or someone other than your parents or next of kin – no matter how distant a blood relationship – to sort through your possessions, inherit or distribute your stuff, the situation is far more complicated” than if you were married. Aside from looking at doomsday scenarios the book lays out everyday decisions that both short- and long-term couples should be thinking about like whether or not to merge finances, deciding how property should be rented and owned and the ramifications of each decision. Using easy-to-understand, accessible language, the authors have written a book that is a quick read or an easy reference guide to answer financial questions on the fly. While this book covers some of the same legal ground that can be found in other books on the topic, Money Without Matrimony picks up where the others left off with savvy personal finance advice in addition to legal advice. Filled with sage advice from financial professionals about the unique financial planning issues gay and lesbian couples face, this book forces partners to ask the questions they need to answer until (if) they receive full legal marital rights.…

INTERNATIONAL CAPITAL MOVEMENTS

International Economics or international business has two parts – International trade and International Capital. International capital (or international finance) studies the flow of capital across international financial markets, and the effects of these movements on exchange rates. International capital plays a crucial role in an open economy. In this era of liberalization and globalization, the flows of international capital (including intellectual capital) are diverse and diverse across countries. Finance and technology (eg internet) have gained more mobility as factors of production especially through the multinational corporations (MNCs). Foreign investments are increasing significantly even for the emerging economies like India. This is in-keeping with the trend of international economic integration. A Peter Drucker rightly says, "Increasingly world investment rather than world trade will be driving the international economy". Therefore, a study of international capital movements is much rewarding both theoretically and practically.

Meaning of International Capital
International capital flows are the financial side of international trade. Gross international capital flows = international credit flows + international debt flows. It is the acquisition or sale of assets, financial or real, across international barriers measured in the financial account of the balance of payments.

Types of International Capital
International capital flows have through direct and indirect channels. The main types of international capital are: (1) Foreign Direct Investment (2) Foreign Portfolio Investment (3) Official Flows, and (4) Commercial Loans. These are explained below.

Foreign Direct Investment
Foreign direct investment (FDI) refers to investment made by foreigner (s) in another country where the investor holds control over the investment, ie the investor obtains a lasting interest in an enterprise in another country. Most concretely, it may take the form of buying or constructing a factory in a foreign country or adding improvements to such a facility, in the form of property, plants, or equipment. Thus, FDI may take the form of a subsidiary or purchase of stocks of a foreign company or starting a joint venture abroad. The main feature of FDI is that 'investment' and 'management' go together. An investor's earnings on FDI take the form of profits such as dividends, retained earnings, management fees and royalty payments.

According to the United Nations Conference on Trade and Development (UNCTAD), the global expansion of FDI is currently being driven by over 64,000 transnational corporations with more than 800,000 foreign affiliates, generating 53 million jobs.

Various factors determine FDI – rate of return on foreign capital, risk, market size, economies of scale, product cycle, degree of competition, exchange rate mechanism / controls (eg restrictions on repatriations), tax and investment policies, trade polices and barriers If any) and so on.

The advantages of FDI are as follows.
1. It supplements the meagre domestic capital available for investment and helps set up productive enterprises.
2. It creates employment opportunities in diverse industries.
3. It boosts domestic production as it generally comes in a package – money, technology etc.
4. It increases world output.
5. It ensures rapid industrialization and modernisation especially through R & …