personal

I filed Chapter 13 bankruptcy a few months ago. I have been documenting the experience to share with the people who will find themselves in need of this information in the next few years. It’s not a topic for casual conversation for most people, and the web is rife with e-books, courses, services and other junk.

I’m not an attorney, and I won’t offer any advice, and don’t intend this narrative to persuade you to take any particular action or opinion. This is just my experience, and of course my own particular perspective will shade it.

The story begins in 2005, when a business failure coincided with family illness and other non-financial problems. We struggled to cover our bills by selling personal possessions – furniture, TVs, a timeshare, tools, sporting goods and more. Finally, in early 2006, my husband found a job. By then we were more than 6 months behind on our credit card account payments, and struggling to get the mortgage and car payments paid no more than a month late. Relatives were giving us food, and I had become depressed to the point of thinking and talking about suicide.

Depression

The financial situation was complicated and worsened by my depression. I felt unworthy; incapable of making a decision, frustrated by my inability to find work while at the same time conflicted about actually having to give up self-employment and find a job again. And this, my friends, was the problem. Without some element of faith that I could feel better, I was hopeless and self-defeating. Until I found the means to believe in myself again, I was unable to move away from failure.

Happily, I did find a way out of my depression, and the answer was within myself. If you are feeling like I was, there is an answer, inside you, and your mission will be to find the way to connect with it. This article is not intended to help you find that answer. The path is different for everybody, and it may lie in religion, renewing physical activity, meditation, intellectual pursuits, or a combination of some of these, or something else entirely. You’ll know it when you find it, and if you listen, it’s probably already calling to you.

Exploring Credit Counseling/Credit Management Options

Two weeks prior to my husband’s return to work, I started believing that we’d find a solution to our situation. Up to this point I had been screening caller IDs, allowing the answering machine to take all calls from bill collectors. I began talking to some of the bill collectors to see if there was any way I could negotiate my way out of this situation, but it was really serious. I was beginning to get court notices that we were being sued by some of the credit card companies. Just when we had a paycheck to rely on, we faced the possibility of garnishments!

So, I wrote down the toll-free numbers of various credit help organizations I saw advertised, …

Human beings need different things to live in this world. However, nothing in this world is available free of cost. Everything has a price and one has to pay the right price to get ones need satisfied. However, we value the things based on our needs and the needs depends on the basis of our value system.

First, there are basic necessities like food, water, air, shelter, and clothing without which survival of the body itself is not possible. However, once these necessities are satisfied, man moves to satisfies his higher needs like the social needs, security needs or the need of self-actualization.

However, every person does not follow the same path as his path would depend on the inherent values ​​of the person. These inherent values ​​are accepted by the man by virtue of his nature and also by his nurture. The effect of the family, society, nation and individual makes every person unique as he develops a unique set of values. These values ​​decide the priority and lifestyle of the person. The values ​​make the personality of the person and decide the growth of the individual, family, society, nation and the humanity.

1. Individualistic Values

The most inherent value of a person is individualistic which means valuing the self over anything else in the world. This is also the most natural value which is inherent in every animal of the world. The animals live for themselves without much bothering about the other animals. The only exception would be the mother animal which takes care of her child animal till the child grows up enough to support itself.

The modern world has been moving more and more towards individualistic values ​​where the interest of the individual is considered to be the most "right" and needs to be protected over everything else. The individualistic value support freedom as it believes that every person has the right to decide what is good for him.

Every child starts with individualistic values ​​and he wants everything in the world for the self and wants everyone to serve him. When the need of the child is not satisfied, he cries and do everything to get the need satisfied.

2. Family Values

The human specie may be the most powerful specie in the earth but it is also true that human specie is also the weakest specie. A human child does not learn to even walk for one year. If the child of the man is allowed to survive of its own, it just can not survive. The support of family is must for the growth of every human child. It is for this reason that human specie over the year has invented the concept of family that lives like one unit and supports a new born child till it becomes strong enough to support itself.

The concept of family has given rise to the family value where a family is considered to be the basic unit of the society instead of the individual. The …

What is a personal business letter? It is a letter that and written by an individual and mailed to a company, business, or government agency. It is more formal than a personal letter or note.

There are eight parts to a personal business letter as follows:

  1. Return Address: this is your address, do not include your name, and list your street address, apartment number if applicable line 2, your city, state and zip code all on one line. Spell out the full name of the city and state (the official Post Office Abbreviation is acceptable also) and add the zip code. Note: if you are typing the letter on letterhead that already includes the address this part is not needed.
  2. Date: Enter today’s day on the next line. Spell out the full month, comma, date, comma and the year in 4 figures such as “2011”
  3. Letter Address: This area has whom the letter is sent to and their complete address. Write out the person’s full name on the first line:The street address goes on the next line or two as required.Write out the full name of the city, the Postal Abbreviation for the State followed by the zip code.
  4. Salutation: This is a formal greeting. Usually “Dear” followed by formal titles, i.e.: Mr., Mrs., Miss, Dr., or Reverend. If you are writing to a woman and do not know her martial status or which title she prefers “Ms.” Is acceptable. Follow the title by either the full name or just the last name.
  5. Body: This is the most important part of your letter. Use paragraphs properly. Be short and to the point so the recipient quickly knows the purpose of your letter. Give enough detail, but don’t use more words than needed.
  6. Complementary Close: Use phrases such as “Sincerely yours,” or “Yours truly”. Capitalize the first letter of the first word, lower case for the second word followed by a comma.
  7. Sender’s Name: This is where your name goes, skip four spaces between the complementary closing and your typed name. Use your first and last name.After printing the letter, sign your name between the complementary close and your typed name.
  8. Enclosures: If you are including any documents with the letter, such as a resume, product sample, or other explanatory documents, show that there is an enclosure by typing “Enclosure(s)” one line below the closing. You may list each enclosure by name, this is a good way to make sure that the recipient knows exactly what is in the envelope.

These are the parts and order of a personal business letter. It is assumed that you are personally typing this letter yourself, so there is no need for the typist’s initials.…

Most people do not realize that there are billions of dollars in debt relief government grants. If you are in trouble with a huge personal debt, i.e. credit cards, loans etc., you should seriously think about going for a debt relief government grant while there are still funds available.

Why not get a loan? A bank loan requires collateral or some form of security deposit to cover for the amount loaned, in case it does not get paid back. It is much easier with a grant because it does not require either of these.

Here are several golden tips to help you with government grants:

Take A Look At Your Situation

You should be prepared by taking a close look at your financial debt and income before applying for a grant. Then, you will be aware of exactly your debt to income ratio. The individual that receives your grant application will ask this, while going over all your finances.

Their job is to basically, check if in you could use some other method than getting a debt relief government grant. For instance, they may ask if you can sell some assets? However, with credit card or loan high debt against a low income, there is an excellent chance that you will get a grant.

Have All Document’s Information Match

With millions of people applying, the government is determined to make certain the money goes into families that need it the most. They will compare everything of yours to their forms to may sure it is consistent with what you have told them. Try to fill any governmental forms at home where you can take your time to be correct and match it to your records.

Know What Is Required

It is a good idea to know what the debt relief government grant offered by the Obama administration requires to see if you are eligible. You need to be an American citizen, over the age of 18, and in desperate need of personal debt relief.

How Much Can You Get?

The Obama administration grant department has stated that no individual with have their entire debt paid for. However, applicants could receive from thirty percent to eighty five percent covered. If you have had an emergency, hospitalization, damage from a severe accident to your house or car, the debt relief government grant official may approve the grant due to a personal financial catastrophe.…

Jim Rohn has a long trail of success and business philosophy that has helped motivate and inspires tens of thousands of people. Not too long ago someone said to me, Jim Rohn and those type of guys are scams, they just want your money and they are not the real deal. This Jim Rohn review will review a little about himself as well as some of his principles on success.

Jim Rohn is a renowned business philosopher, who has been sharing his success principles for more than 40 years, with more than 6,000 audiences and more than 4 million people worldwide. He is the author of 17 different works including The Five Major Pieces to the Life Puzzle and th Challenge to Succeed audio series.

By his own account, he was born to an Idaho farming family in the mid 1900s. Mr. Rohn began his early adulthood without acclaim, leaving college after his first year, starting a family, and trying to get by as best he could as a salaried worker. By age 25, according to his accounts, he was in a personal rut familiar to many middle class families – in debt, unable to see a way that would lead to his personal ambitions. Around this time, he was introduced to John Earl Shoaff, an entrepreneur who impressed Mr. Rohn with his wealth, business accomplishments, charisma, and life philosophy. Mr. Rohn joined Mr. Shoaff’s direct sales organization and began a process of personal development that allegedly culminated in his becoming a millionaire by age 31.

Jim Rohn has been said to have been very instrumental in launching the careers of other well known sales and motivational speakers such as Tony Robbins, Les Brown and Brian Tracy.

Some Jim Rohn’s success philosophies include:

  1. Set Your Sail – or in other words the way we think. The greatest challenge of life is to control the process of our own thinking.
  2. Learn from Success and Failure – Study those that do well do what they do and learn from the failures of other people.
  3. Read all you can – Take head to those that have taken the time to write the principles of success that have guided them.
  4. Keep a Journal – Jim Rohn states, “This is one of the best guides for making good decisions”
  5. Observe and Listen – Pay attention and watch what is going on around you.
  6. Be Disciplined – With careful mental preparation we can make wise choices.
  7. Don’t Neglect – Neglect is the major reason why people don’t have what they want.

In conclusion, Jim Rohn is not a scam, rather a man of wisdom and experience in helping others and himself achieve the success they desire. He is full of great information and guidance as you journey towards a life full of abundance and personal satisfaction. I would highly recommend reading material published by Jim Rohn as well as those whom he has inspired such as Tony Robbins, Les Brown and Brian Tracy.…

Creating a business plan for a catering business may not be as tough as some of us consider. Moreover, developing a business plan is very important for all of us that are interested in starting their own catering business. A catering business plan helps lay the foundation for the main components of your business. It also serves as a vital tool if you are seeking funding for your start-up; Since all lenders will request your business plan. Keep in mind that starting a small catering business is also a start-up option which may only require the use of some of your personal savings.

The benefit of a catering business plan includes allowing you to focus on the mission and goals as well as identify the basic components of your company.

Let us look at the basic points of a business plan for a catering company.

Description of your company.

In this section you need to describe your catering business in a clear and enlightening manner. You will need to include the name and location of the company, owner (s) background and experience, and the type of catering services that will be provided. Note that you would want to come up with a business name that accurately represents your business.

Unique Selling Position also known as your USP

Your USP is what makes you different from the competition. When someone is looking for a caterer why should they select you? It goes without saying that you will provide delicious dishes and professional and friendly services; These days that just is not enough. How are you going to stand out from the competition? When writing this section I would recommend that you focus on determining how you will create a memorable and exciting experience for each of your clients. The goal is to have every client think of you when they are in need of catering services.

Organizational Structure

As the business owner you can not single handedly take care of every aspect of your catering company; This means that you will need staff to assist you in running the business. In this section you will need to list the key people that will be engaged in your catering business. You not only want to include the names of key people but specific information about their background and experiences, and the role each of them will play in your company.

Competition

You need to know what the competition doing because this is what could possibly keep you from getting clients? You will have to do some research to determine which services may be directly competitive with your catering business. In this section you will need will need to see how your compare to the competition. What are your strengths and weaknesses; And are there any opportunities or threats that can have an impact on your business?

Marketing

The first step is to determine specifically who you will sell your catering services to; This is called your target market. You may initially think …

P&G’s businesses were organized into three product based segments: household care, health, baby and family care, and beauty care. P&G became a national consumer products company with 30 brands and production facilities across the US and Canada by 1890. P&G also experienced an increase of more than 40% in their revenues between 2001 and 2005. In 2005, P&G executed its largest acquisition with the takeover of Gillette Company.

I. Reasons for P&G’s Acquisition of Gillette

A) Companies have complementary strengths in product innovation and selling activities

P&G has a distribution system that is internationally spread out as compared to Gillette. Management is expected to take Gillette products into developing markets such as China that were served by P&G, but not Gillette immediately after the merger. P&G and Gillette also plan to share their R&D costs to further develop their products to better suit their customer’s needs.

B) Stronger lineup of brands

Gillette was a well-known brand in the razor market and it also has a 70% market share in the global razor market. It has a strong competitive position and Gillette has been successful in persuading their customers to trade up to higher-price-point personal care items. Gillette’s customers also tended to be highly loyal. Acquisition of Gillette will definitely provide a competitive edge to P&G as Gillette is will provide a stronger lineup of brands to P&G in the consumer products industry.

C) Generate additional opportunities for economies of scale

Gillette has a huge market share on its own while P&G has an internationally spread out distribution system. Combining these companies’ strengths together will enable both P&G and Gillette to reduce per unit cost by achieving economies of scale.

D) Enhance relationships and bargaining power with retail buyers

The strong competitive position that Gillette has in the consumer products industry will increase the bargaining power that P&G has over its retail buyers. P&G will be able to strengthen their market position through this acquisition. A stronger brand portfolio would also definitely help enhance relationships.

II. Ways to Generate Expected Synergies

A) Layoffs

Layoffs are generally expected when a company undergoes merger and acquisitions. It is estimated that about 4% of the total combined workforce will be laid off due to this acquisition. This is to remove management overlaps due to merging operations in more than 80 countries across the world. These lay-offs will not only come from Gillette’s former operations, but also Procter and Gamble’s management.

B) Business Elimination

Since both Gillette and P&G are operating in the consumer goods segment, they tend to have a few products that overlap each other. Both Gillette and P&G have to sell off some of their product line to remove this overlapping and generate synergy between them. The integration of the companies’ product line is important to ensure synergy exists between them and non-profitable products are removed from their product line.

III. Financial Analysis of P&G

Profit margin for P&G was pretty low from years 2000-2004. P&G experienced an increase in their profit …

If you want to sell junk or scrap cars, which is only occupying the extra space in the garage, then you need to be aware of a few things which are required to make the entire selling process easy for you.

First of all you need to do a little research and find a professional who can assist you with this process, and then you need to search the internet and discover the best website that allows you to advertise your cars on their site without any charges. However this may take some time, so all you need to do is be a little patient and you might become lucky and find a website that helps you in selling your cars without any charges.

The reason we recommend online websites to sell cars online is the number of visitors it gets every day, this is a very beneficial way of attracting potential buyers. The other beneficial thing about these websites is that they are reliable; They are trusted by many people who have also used the platform for selling their cars.

Among these tips we also recommend that you write a good catchy car ad which will attract your potential buyer. There are many scammers on the internet so do not post your personal information like emails, phone numbers or addresses on such websites your potential buyer will contact you from these websites directly.

When you are placing an ad to sell cars online it's essential that your advertisement is accompanied with high quality car pictures. The photos are necessary before your potential buyer will be interested in seeing the vehicle if you and does not have any pictures, it's likely that you will not have many viewers of potential buyers contacting you. When you place the pictures along with the ad make sure that the pictures combine both outside as well as inside features, so that the viewers can see your car's all aspects.

The other essential information you should place along with the ad is the wear and tear of your car, if there is any slightest damage to the vehicle then its best that you should be honest about it and place this necessary piece of information in your ad as Well. This will help you in attracting serious buyers who will find you honest and reliable and can also make their mind easily for buying your car or not. …

A boss who would want to know about particular aspects of your life that are not work related can be very annoying. There are bosses who try to meddle in the personal lives of their employees hence causing them unnecessary embarrassment. When such situations arise, it is important to take control of the situation before it gets out of hand.

There are various ways in which you can deal with this kind of a boss. To begin with, you should request for a meeting in which you talk and agree that your personal life is separate from your work. Make it clear that you will not tolerate any lapses.

If you realize that your boss is not willing to stop this annoying habit, then it is advisable to approach someone else in the organization. You should approach a Human Resource officer who will in turn communicate your reservations to the boss.

You should also ensure that you do not discuss your personal issues with colleagues in the office. Such information has a way of getting back to a nosy boss hence keeping him in the know about your life. It is also advisable to avoid attending social events with colleagues and bosses. This especially applies to events that are not work related.

Ensuring that your work performance is above reproach would also prove very effective in dealing with a nosy boss. When your boss sees the standard of your work, he will not have to look for scapegoats in form of your personal life to blame it on. Tardiness and incomplete work could very easily be blamed on distractions arising from the home front.

In some cases a boss can be perceived as nosy whereas he is not aware of doing so. In such cases you need to give him examples of when you felt that had crossed the line. This will make him more aware of his behavior.

In addition, you can also deal with a nosy boss by being careful with voice messages and emails you receive while in the work place. Since it might be easy for your boss to access your office email, you should be careful about those that you consider as personal and instead use a different email account.

Sometimes, company doctors might leak out personal information intentionally. It is therefore advisable to seek medical attention from an independent doctor, especially for embarrassing cases such as sexually transmitted diseases.…

An electronic communication that allows methodical transmission and accessible data such as mails, spreadsheets and many other types of documents for any kind of business, is known as a business data network. There is a private data network and public data network in operation today. A local network that allows transmission of data between various departments of a company is called a private data network and the public data network is widely accessible to both residential corporate clients for a given carrier network.

There are various factors relating to a business data network that can affect your company and some of the important facts that can improve business efficiency are as follows:

• Always identify the documents that are considered confidential by implementing a document management program; otherwise a local network without this program can harm your business. To amend this, don’t allow employees access to these credentials or with the ability to print confidential data.

• Lack of a document storing schedule can give access for co-workers to look into important documents that are restricted. Storage of such important business documents in a safe place till the storage period ends can restrict access to public view and stop harm to the company. The documents should be shredded when the storage period is complete.

• Before implementing data networking, think about a finding a service that can destroy and shred business credentials that contain insightful information. Otherwise, important company documents might give opportunity for the employees to access and spread the information.

• Limit the acquirement of confidential customer data such as customer’s bank accounts, social security, or driver’s license numbers. Restriction of access to information is really important. Otherwise a company can lose its business from misuse of important client information.

• Documentation that contains perceptive data, including payroll, patron and fiscal information with passwords, should be protected. If a company doesn’t change passwords regularly or request that passwords contain a minimum of six letter and number combinations, the risk of confidential information being leaked is very high.

• In order to prevent a virus or worm from spreading information and stored files from a personal computer over a network is to install and timely update virus protection software. More virus threats mean a greater affect on a company.

• Sensitive data can still be available on a computer that is no longer being used. Data thieves and potential hackers hunt for such data a great deal of the time. To wipe that data or to identify a data destruction dealer that will actually destroy the hard drive, a company should use such software programs that clear data before disposing of old computers.

• The most successful method to share files and collaborate with colleagues is by file sharing programs and such programs can easily expose your computer and database to hackers. Systems that are protected by a tough firewall and anti virus software are highly recommended and include regular updates. If this is not the case a business …