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Stuck in a Comfort Zone? – Discover If You're Under Attack by "The Comfort-Zone Killer"

On occasion, we may all find ourselves wrapped up in a warm and cozy "comfort-zone" blanket, with a nice hot cup of soothing procrastination tea. It sure is relaxing for moment, is not it? The real trouble is, some stay in this seemingly safe haven for large portions of their lives and some simply never get out of it at all. There certainly is not anything right or wrong about staying in this comfort zone and some live happy lives there. Although, if one wants to break through self imposed barriers and reach new levels of potential; you must absolutely throw the fuzzy blanket in the fire and toss that same old tea out the back door.

Let's explore for a moment, the long term potential danger of choosing the fuzzy "comfort-zone" blanket, over the crisp clean refreshing air of the unknown. A common perpetual pattern that you may find yourself in is as follows. You are once again very close to reaching a new goal and then you abruptly stop short of it – only to fall back to the snug blanket of general safety from which you came. This could happen through a subconscious self-sabotage or a conscious fear-based withdrawal. However it may happen, it happens … and it is the minority workings of a deadly assassin that is killing your potential. It is extremely rare for this "comfort-zone killer" to strike with a one-time deadly blow. He is much more likely to release drops of dream killer poison into your mind ever so slowly from each retreat and each moment of self-sabotage. This crafty bandit will sit back and relish in the fact that you do not even notice him. He is so sly, so cunning … that one day you just wake up and realize that your life is full of regret and disappointment. He laughs as you remember choices that let to: unlived adventures, dreams unfulfilled, and goals never attained. A life never really lived.

That is a sad truth for some. A truth that simply does not have to become true for anyone … especially for you.

You are free to choose a different path. To live a life of completeness and delight. A life that exudes joy, abundance and passion at every turn. You are free at each of your present moments to choose the joy of the unknown, over that intimate and secluded space of your own personal comfort-zone. The unknown is the sacred space from which the universe goes to work for you, creating your personal reality however you may wish. With each simple choice for happiness, each smile given, each helping hand extended and each dream passionately bought after – your immunity grows stronger and stronger against this outlaw's poison. With each goal written down, each positive action taken towards your goals and each meditation enjoyed – another powerful nail in the coffin is pounded down for this comfort-zone killer. His days are numbered. Although, in order to defeat this …

How to Get Scooter Financing For Good and Bad Credit

With gas prices increasing many Americans are looking to scooters as a way to protect their pockets against the price of gas. While finding a fuel efficient alternative is a good decision, many scooter buyers are not protecting their pockets when it comes to scooter financing.

There are many options available when financing a scooter including credit cards, manufacturer low payment promotions, installment personal loans and financing for bad credit applicants. Educating yourself about the various types of scooter loans is important before you make a financial decision.

Here are some tips for you to follow:

1. Do not shop for a scooter that is too expensive: Today there are scooters that cost as much as $ 9000, but shopping for one of these scooters makes little sense if you can not get approved for financing.

Therefore, it is a good idea to shop online, and at your local bank for a scooter loan before you enter the showroom.

2. Watch out for low payment promotions: Manufacturers often entice you into buying a scooter with low payment promotions which structure payments as low as $ 39 for 2 years.

Low payment promotions look enticing, but are a very bad financial decision for you.

Fundamentally with low payment promotions you are only paying off the interest on your loan each month and very little is going towards the principal on your scooter.

Worse off at the end of the promotion your payment will double and your interest rate could increase to as high as 22.9{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} annual percentage rate.

3. Get an installment loan: Most low payment promotions mentioned above are on a manufacturer credit card.

Opting to get scooter financing with an installment loan is a much more wise decision.

With an installment loan the lender can not increase your interest rate or payment and your scooter will be paid off at the end of the term.

4. Consider a personal loan: If you walk in your bank and ask for scooter financing the bank may not have such a product.

Therefore you will likely have to ask your bank for a personal loan, which is basically a simple interest installation loan that can be used for recreational items.

A personal loan is a great way to finance your scooter and is much safer than a credit card or low payment manufacturer promotion.

5. Read the fine print: As your parents probably told you make sure you read the fine print before signing any loan document. Definitely do not enter a loan contract that you do not understand.

6. Do not borrow more than you can afford: There is little reason to purchase a scooter to save on gas if you borrow more than you can afford.

Borrowing more than you can afford will put you in a risky financial position. You must consider the cost of insurance, registration, maintenance and gear and choose a scooter that fits your budget.

7. Avoid zero down payments loans: Trying to secure scooter financing …

Plug-In Electric Vehicle-Tax Credit

There is a tax credit associated with the purchase of a “plug-in electric vehicle” (a vehicle propelled to at least a significant extent by an electric motor propelled by a battery capable of being recharged from an external source of electricity).

Tax Deductions Vs. Tax Credits – Deductions reduce the amount of your income that can be taxed. On the other hand, tax credits reduce the amount of tax owed. Congress may grant a tax credit to promote a behavior or industry, such as buying a plug-in electric vehicle.

The tax credit is called the “new qualified plug-in electric drive motor vehicle” credit (NQPEDMV credit). Two-wheeled or three-wheeled electric vehicles aren’t eligible for the tax credit, but, for those vehicles that were, acquired after Dec. 31, 2011 and before Jan. 1, 2014, there was a separate credit available for qualified 2- or 3-wheeled plug-in electric vehicles.

For the vehicle to be eligible for the tax credit, the battery must have a capacity of at least four kilowatt hours, and the base amount of the NQPEDMV credit is $2,500 per vehicle. The allowable credit increases to $5,000 per vehicle based on a formula which increases the credit by $417 for every kilowatt hour of battery capacity in excess of five.

There are some additional criteria to qualify for the tax credit:

• The credit is allowed in the year you place the vehicle in service.

• The original use of an eligible vehicle must begin with you, the purchaser, i.e. the vehicle must be new.

• An eligible vehicle must be used predominantly in the U.S., and have a gross weight of less than 14,000 pounds.

• The credit is allowed if you buy a vehicle for lease to another, but, generally, not allowed if you buy a vehicle for resale.

• The tax benefits otherwise available for an eligible vehicle are reduced unless you make an election not to apply the credit to the eligible vehicle.

• Rules that might limit the application of the credit against regular and alternative minimum taxes are different for the portion (if any) of the credit attributable to personal use and the portion (if any) attributable for business or other for-profit use.

Although the information contained herein is believed to be reliable, the author makes no representation as to the accuracy or completeness of any information contained herein or otherwise provided. The article is for discussion purposes only.

The article does not providing tax; accounting or legal advice and the reader should rely on its own accounting, tax and legal advisors for definitive guidance as to the applicability of the enclosed information to specific circumstances.…

Authority Vs Power

Successful leaders are individuals with high levels of personal power. Understanding the difference between personal power and granted authority is a significant distinction. Many people have the tendency to use the words authority and power interchangeably; however, these terms refer to two very different aspects of leadership.

Authority is the right granted from a person or organization to another to represent or to act in a specified way. For example, a CEO of a company is given the authority by the Board of Directors to run the company. In turn, the CEO places managers in positions of authority over the various divisions, business units, or departments of the organization.

Power is the capacity or ability to direct or influence the behavior of others. Former United States President, Dwight D. Eisenhower, captured the essence of this definition when he said, “Leadership is the art of getting someone else to do something you want done because he wants to do it.” Everyone possesses the potential to be powerful. Power is a personal talent that you can develop and use to achieve worthwhile goals. It does not depend upon title, rank, position, or authority. It’s simply the ability to motivate others to take specific actions.

Authority is granted but always has defined limits. Power is earned and can be limitless. Authority is derived through the position. Power is derived from an individual’s personal influence, which increases effectiveness. Two leaders in exactly the same position of authority can and will have different amounts of power. A person can possess a great deal of power and absolutely no authority. Conversely, someone can have authority and absolutely no power. Leaders who have not earned sufficient power sometimes make the mistake of trying to influence others by overexerting their authority. But excessive use of authority can cause employees to rebel in much the same way that children rebel against restrictive parents.

Effective leaders recognize authority as a valuable and necessary tool when used judiciously, and they invoke their authority extremely sparingly. Instead, they use the power they have earned to create a climate of trust, cooperation, and accomplishment in which people are positively motivated to pursue their own goals and the goals of the organization. In fact, the amount of responsibility you take on is directly linked to the amount of power and influence you possess. One way to further increase your personal power is to seek additional responsibility.

To be a successful leader, you must always be yourself. Be intentional about shaping your life according to your values and priorities. Trust yourself, believe in yourself, and be honest with yourself. Others will then trust, believe, and be honest with you. It is this foundation which enhances personal power. Excellent team leaders establish healthy open relationships with others. They foster mutual commitment in the pursuit of shared goals. Effective leadership is founded on cooperation never coercion.…

How to Pick a Personal Trainer

Q: What certification should I look for in a personal trainer?

Answer:

Most importantly, no certification will guarantee that someone is a great trainer. The information taught in almost all certificates is generally outdated and basic.

It is really up to the trainer to learn outside of the certification process. A good trainer will have a mentor (preferably many mentors) that has shown them how to successfully deal with many situations, train people efficiently and effectively, and how to design a great training program.

A good trainer should also possess critical thinking skills. They should not simply do what all the other trainers are doing or copy workouts and exercises straight from a book or website.

If you are familiar with my training programs, you will know that they contain basic, no-fluff exercises. There's no standing on gym balls or other dangerous and relatively ineffective training methods. There is nothing in my programs that I can not justify. The trainer you choose should also be able to justify their exercise programs.

If I were picking a trainer, I'd insist on them meeting a very high level of criteria. After all, your trainer is in charge of your body and your health. You should demand a lot from your trainer. That's the only way your training will reach another level.

Feel free to email me for trainer recommendations across North America. I might be able to recommend someone for you. …

Personal Magnetism – Think and Grow Rich Author’s 5 Characteristics of Personal Magnetism

In the book Think and Grow Rich, Napoleon Hill discusses the importance of sex in being successful. Published in 1969 and therefore written in the mid 60s, Hill has a conservative understanding of partnership being that the man is successful and the woman is his support person.

Napoleon Hill argues that the most fundamental power to thinking and growing rich is desire (chapter 1). He also recognises that from his perspective at least, men seek to please a woman. I liken Hill’s understanding of sex transmutation to charisma. Hill claims that sex drive creates desire in men and that it also creates a type of magnetism that puts that person forward as a leader.

Hill discusses a phenomena where when inspired by their first wife, the man is ‘irresistible and invincible’. However, when the already successful man puts aside his first wife for another, his success begins to rapidly decline. Hill concludes that sex influence from the right influence is more powerful than any substitute for expediency and therefore the best creator of desire.

So, in the 21st century 50 years after Napoleon Hill put forward his argument that sex influence from the right source is the best creator of desire, is this still relevant? Interestingly, women have a much different place in society and many not only continue to work after their first child, but they are required to keep up the dual income to support the family unit in the current economic climate. Women now have careers and are seen as so much more than support person. Anecdotally, successful people that I speak to are very appreciative of their partners and even though the partner may not work the business as such, the partner is an enabler of the success of their partner. So how does this work for women, who have less sex transmutation than males. Most certainly women still have charisma and women have charisma. Most of my heroes are women and they do show personal magnetism.

Hill gives five characteristics of personal magnetism:

1. The hand shake is confident.

2. The tone of voice is coloured, musical and charming.

3. The posture of the body – moves quickly with grace and ease.

4. The vibrations of thought are emotional.

5. Body adornment – style becoming of their personality, physique and complexion.

Apart from point number 1 where women sometimes do not shake hands, women very good masters of the other 4 characteristics of personal magnetism. Their voice is pleasing and melodic to the ear, they move with purpose and efficiency, they convey emotion and caring for others and they are very good at body adornment. Many women do shake hands. In some situations, women are more likely to embrace or to kiss on both sides of the cheek. So, the principle of acknowledgment and confidence that Hill saw in the handshake is expressed by women and men in other ways.…

Is Your Personal Trainer Way Too Hot?

So hot that it's actually distracting you from your workouts?

Be careful. If you're developing a thing for your trainer, you're headed on your way down a slippery slope. If you push it, you might end up in a situation that will turn out to be very uncomfortable for you both in the end.

Why do we so often fall for our personal trainers? Well, look at them! All too often, they are these attractive, dynamic, fit people who are going to help guide us into being the best we can physically be. Very often charismatic, personable and with bodies to die for, these hot looking humans can have sex appeal for days!

The up close, hands on, personal relationship we get to have with them only makes it that much easier to really develop a sexual and sometimes emotional attraction to them. Here's this hot guy (or girl) with his hands on you, in seriously close contact, giving you every ounce of his / her attention. The fact that you're paying for that attention somehow flies right out the window. In your mind, this is more than just personal training. It's starting to be just personal.

Laura, a single professional woman, who was about 30 pounds overweight, decided to take on sessions with a trainer at her gym to help her lose the extra lbs. She looked around and chose the fittest looking guy in the place, Rob, 6'2, 210 lbs of lean muscle, with a tight narrow waist, 8 pack abs and a smile that could melt the hearts of women and men alike. Laura soon found herself so into Rob that she began booking extra sessions just to spend more time in his presence.

She then began wearing sexier workout clothes to her training sessions, and in many not so subtle ways, she let Rob know that she was game for more than just exercise at the gym. Rob and Laura ever started having a fling, purely sexual on Rob's part, but seriously emotional for Laura. As the holiday season approached, Laura realized that she would not be able to pay for any more training sessions with Rob, as she had already spent a bit beyond her budget overbooking him. The moment she stopped booking with him, he dropped her completely, and began avoiding her at the gym, not even returning her phone calls.

Laura was devastated, and threatened to tell his boss that he was having sex with his clients, which she ever did. Well, it all ended up in a big nasty mess, and Laura soon stopped coming to the gym altogether to avoid facing the embarrassment and humiliation of the situation. Rob, being one of the top money making trainers at the gym, got a slap on the wrist, and then it was just back to business as usual for him. His female clients were always trying to get in his pants, and as far as he was concerned, he was just giving some …

Why Do We Need Rental Car Insurance?

Do we really require rental car insurance? This question may evoke laughter since most of us do not understand the necessity of doing so. Well, lots of people are not quite sure about the answer. However, a car is a car and it is sentenced to accidents whether it's rented or not. We can not belittle the issue and it is a fact that rental car insurance is necessary.

Let's delve into the issue. Perhaps there is no person who finds traveling repugnant as it is both a great source of fun and education, especially for students, researchers and also holiday travelers. As people travel, they looking forward to have some rest, recreation and have novel experience.

In the majority of these cases rental cars are used because few travelers dare to visit far off lands with personal cars. What may happen if the rental car (owed to great misfortune) meets any accident? Will you, if you have rented, pay up the damage and also other major loses? How can you handle with this reality? There is perhaps no other way other than car rental insurance.

Go to relevant websites relating car insurance, if you are still skeptical. Only a very few of these insurers provide policies that do cover rental cars. Even though a personal personal policies cover injury to a rental car and credit cards may also go together with accident insurance, rental car insurance seems to be the best since it helps the insured person to steer clear of any hassle.

Why do not we focus on some specific reasons? Only a very few policies do cover car rentals outside the realm of US. Remember, you have to compensate the damages in the absence of rental car insurance anywhere in the world even though you make use of the cars of the same rental company back home.

As per information, premium credit cards generally prefer secondary accident coverage. There are very few instances when a credit card that brings forth primary accident coverage can be found. The most potent difference is that a secondary insurer pays the individual only after he has filed claims with a primary insurer. Even if you consider rental car insurance a hassle, this will make you free from meeting larger hassles in future.

Customer service is one more important word and the customers must believe it to be an important point in choosing a company. There are lots of companies that supply the best customer support. There are also aid lines which the customers can call up and ask their questions. …

Introduction to Business Loans

Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,

There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.

As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.

If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.

Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time. Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future. Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.

As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks. The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms …

Why Do We Need Personal Development to Be Successful?

In order to really answer that, we need to define what we mean by personal development. In my opinion, personal development is:

  • Growth as a conscious human being
  • Activities that improve self-knowledge and identity
  • Development of talents and potential
  • Development in different areas of life
  • Building of human capital and employability
  • Enhancing the quality of life
  • Contributing to the realization of dreams and aspirations
  • Is not limited to self-development but includes formal and informal activities for developing others
  • In the context of institutions, it refers to the methods, programs, tools, techniques, and assessment systems that support human development at the individual level in organizations
  • (hard) work that requires discipline, determination, consistency, patience, time, courage, forgiveness

Let’s then take a closer look at some of these bullet points in correlation to success.

Improving your self-knowledge and identity means, among other things, that you become more aware of who you are and what you want. Knowing what you want and where you need to improve yourself in order to achieve what you want are essential parts of success.

If you have already achieved success you cannot stay put if you want to remain successful. The world and other people around you are constantly evolving; therefore you need to keep on developing your talents and potential further. Otherwise your success will remain short term.

Depending on your goals, you need constant development in different areas of your life, not just in one. Some of these areas might include health, finances, relationships, emotions, habits and beliefs, to mention a few. A good health will ensure that you are able to do what you want to do. It is obvious that you can do a lot more as a healthy person than you would lying sick on a bed. It is obvious, in most cases, that you can achieve more and free yourself from some of the worries when your financial situation is stable. It is obvious that you can achieve more when you have sound relationships with supporting and loving people to back you up. And so on.

Having activities for developing others, in addition to developing yourself, is really what gives you the final boost for success. The old saying “what goes around, comes around” applies here quite well. Helping other people succeed will ensure that they willingly help you in return. It is much, much more difficult – and in most cases even impossible – to achieve success just by yourself. You can’t be the master of everything. And you shouldn’t even try to be. Concentrate on doing well what you love doing and let other people help you in the areas that they love doing. Help others develop themselves and they will help you develop yourself. That is for everybody’s benefit.

Finally, understand that long lasting success does require work. At times, it can even seem to require hard work. But once you have found what it is that you truly love doing, the work doesn’t seem that hard anymore. But …