personal

My personal development journey started around 2008 when I got involved with network marketing or multi level marketing business here in Singapore. (I started this blog around May 2009) This was further reinforced when I was exposed to Jim Rohn's philosophies. From then on, I have lived by his philosophy on "Work harder on yourself than you do on your job." This changed my perspective in life as day by day, I got excited in developing my skills in communication and building relationships. I was a voracious reader of books and a student of life and people. Another related philosophy by Jim Rohn, "Formal education will make you a living; self-education will make you a fortune." I believe this is true and that's why I was committed to a never ending personal development.

Here are some benefits that I have experienced:

  1. Direction – Before I just let the days passed by, but now I make sure to learn from the day. I've learned how to set goals and priorities in life to distinguish minor and major activities. It helped my personal responsibility to take charge of myself instead of engaging in petty discussion about whining, blaming, and excuses.
  2. Self-esteem – I've learned to love myself and feel good about myself. Itave me a sense of confidence to achieve things that I set my mind to. This is where I learned to shape my values, beliefs and philosophies.
  3. Association – it helped me connect to like minded positive people. The law of attraction really works as I was able to meet highly successful businessmen, entrepreneurs, best selling authors, and life coaches both offline and online. My attitude is greatly shaped from the influence and association of people with high values. Get around people who have something of value to share with you.
  4. Relationship – Aside from a better relationship with myself, my relationship with my family and friends dramatically improved. I've been always consistent to say "I love you" to my wife and my son. You see, if I improved myself ten times, imagined how much will it affect my family and friends. It was so inspiring to hear from friends that I was able to help them with their lives. I tend to listen and be more interested than talking a lot.
  5. Discipline – I must say that this word bridges the gap between goals and accomplishment. A good example is a practice of a healthy lifestyle. I developed a conscious thought about the food that I eat, or a regular jog around the block, or an aerobic exercise in my room.
  6. Spiritual – Most of the personal development or motivational experts that I listened or read to, have a strong faith in God. They even used the bible in their teachings. What more, joining a religious community even increased my faith further.
  7. Integrity – I am still a learner in this field yet it is the most important of all values. Trust is based on integrity and being able

One of the areas where you can leverage your Personal Power and achieve great things is your professional life. Let us think about the sources of power within a corporation or any business. There are really three sources of power in the business world.

One source of power within a corporation is position. If you are the president or a manager of a certain level, you have position power. Your position gives you the power to make key decisions within the organization that other people have to carry out. So, that is position power

A second type of power is expertise power. When we say expertise power we are talking about someone who possesses unique knowledge or a specific skill that sets them apart from others. This particular knowledge gives them power They have the ability to sway the organization because of expertise they have, real or perceived.

Think of some examples of people you know within your organization who have expertise power If you really think about it, almost everyone has expertise power from the mail clerk who brings mail around to the vice president of research and development. Everyone has expertise power Everybody has something they know or do, that gives them leverage or can give them leverage in a situation, and therefore gives them expertise power

The third type of power within a corporation or business is Personal Power. It is the type of power that puts juice into the other two powers. It is the type of power that enhances, that creates, that supplements, that in fact can substitute for the other two types of power On the flip side, if you have both position and expertise power and you have little Personal Power you will detract veryly from your ability to influence the organization. Personal Power is about self-mastery and self-confidence. Personal Power is about control over self and how you use that control over yourself to influence others.

Personal Power allows you to achieve instant respect, make dynamic presentations and will help you achieve the elusive thing called "charisma." It will also allow you to be more effective in your job and your personal life.

¬© 2008 Darryl L. Mobley …

Computers are very detailed machines that function by set rules, codes and languages. Everything follows a pattern and schedule in order to operate efficiently. Computer viruses can affect the cosmetics of a computer such as the screen and display appearances or the simple functions such as the way the keyboard operates or the functionality of the drives. Some of these symptoms may seem to be only a minor inconvenience, but when you see these signs you should wonder what may have caused the change and what else may be going on that you can’t see. Other symptoms can include loss of files, decrease in memory space, slow operation and damaged programs.

The writer of the virus determines how they will infect the system as well as what they want the virus to do. In most cases, a virus will perform damage to the host system, and may do this while performing another function such as retrieving information, and then spread to the remainder of the network.

A computer virus is similar to a medical virus in that it often occurs even when precautions were taken to prevent it. Particularly malicious viruses steal information and data, which may be confidential. This may be customer or client information of a personal nature whether medical, financial or some other form. It may be company information specific to employee’s records, user names and passwords or other functions of the business. Information may simultaneously be erased. It can pick up information from any other computer in the network. It can locate other users and obtain their information.

There are many programs available and they are a must-have for an individual’s personal computer and certainly for that of a business. Strong measures must be taken to prevent viruses within a company, as one infected computer is opening the door to the entire network, putting clients, customers and even employees at risk. Businesses should understand that the condition of their system is susceptible to change with every employee that signs into the network.

Training should be instituted to prevent damage by teaching employees how to determine what is safe use of the system, how to update their protection programs and how to know if something is questionable and when to bring it to the attention of the IT department. It is always helpful to set up the virus protection programs to run automatically and the individual systems or the network as a whole can be set to automatically update the programs that are install along with fixes and patches as needed. In addition to anti-virus programs a filter may also help to block viruses.

While the anti-virus is placed inside the firewall, a filter is placed on the outside and closer to the server. Users may be limited as far as what can be received and may not be able to open attachments. This will undoubtedly create an inconvenience, though it is in the best interest of the company and will save money by eliminating loss of …

Army, Navy, Air Force, Marines, Coast Guard, Army Reserve and National Guard are all welcome to avail themselves of a military loan without all the hassle. Retired military folks are welcome, too. All can qualify for a no hassle personal military loan that is stroked minus the stuff you have to go through with the usual or traditional loans such as a a bank or a credit union. A personal military loan

Various Loans Available

The kind of funding you need will absolutely decide which loan is best for you. You might want to consider the personal military loan. You can get sums up to $ 25,000 depending on your financial situation and, again, what kind of expense you are looking to cover. You will be free to use the money as you see fit, unlike a specific house loan or a specific car loan, or a mortgage refinance. Many people have used them for home remodeling, a new appliance such as a stove or refrigerator, education for one of the kids, or even a wedding. The personal military loan is such that it can cover all sorts of circumstances.

Secured vs. Unsecured Personal Military Loans

With your credit rating as a consideration, you can decide between a secured loan or an unsecured loan. As the name suggests, a secured loan requires collateral. This can be just about anything of significant value. Real estate, stocks and bonds, sometimes even a late model car, can be put up to secure the loan. Since this removes a lot of risk for the lender you will get lower interest rates and a comfortable repayment plan. Just understand that if you default on your payments the lender can seize the property and sell it to cover the cost of the loan.

Unsecured or Signature Loans

This type of loan is a bit more difficult to secure. It certainly depends on the amount you are seeking. If you have really good credit, you will be surprised at what lenders may be willing to offer. If the amount ranges between $ 200 and $ 1500 and you have a bad credit history, or no credit history at all, you can probably land such a loan. And if your credit history is a little smudged, paying back this loan as specified in the contract, you will be adding some really good marks to your report. But, these loans can carry a higher interest rate. Again, build a better record and the lower your interest rates become and the more you can borrow.

Start Shopping

To land a personal military loan, you should get on the old pc and punch your browser with Military Loan. You will suddenly have scores of lenders who could be your lender. You will have many to shop among so be sure to pick four or five that are offering the lowest interest rates and best repayment terms. Once you have those sorted out, check each one on the online lists with the …

Facing eviction from your home can be a terrifying experience. The idea of being out on the street, moving back in with family or going back to being a renter are not appealing options for most people. After all, if buying your home feels  like a privilege you can be proud of, then losing your home to eviction feels like a disgrace.

Usually, a person does not get an eviction notice unless they are behind several payments on their mortgage. Thus, even a sizable loan is not likely to completely pay off the sum total of your outstanding mortgage payments in one fell swoop.

On the other hand, many banks are becoming increasingly reasonable with their mortgage customers due to problems in the home mortgage industry as a whole. It just may be the case that being able to pay for one or two back-payments will be enough to put off the eviction indefinitely. Sometimes, a bank just needs to be able to see that you are really trying to stay in your house and are willing to cooperate.

If you are saying to yourself, “I need a personal loan to stop an eviction,” here are 5 steps to take to getting funded:

1. Understand what a personal loan can do for you:

A personal loan is a short-term loan for which you can qualify after going through an application process. It differs from a home loan or an auto loan in that with a personal loan, you are not specifying exactly how you will be using the money. Rather, you can use it for anything you like.

2. Understand the downside of a personal loan:

The only downside to a personal loan is that it is a short-term loan, so you should have a plan together for how to repay the loan within a short period of time of say 1-2 months. Also, a personal loan often has a high interest rate associated with it. Often, personal loans are taken out by making out a check to the lender against a future paycheck.

3. Secured or unsecured: what’s your fancy?

There are two main types of these loans: secured and unsecured. The main difference is that with secured loans, you have to put up some type of collateral against the loan. In exchange, you get a lower rate that with an unsecured loan which does not require collateral.

4. Check your credit score:

Before filling out any applications, it is always a good idea to go ahead and check your credit score before applying. Run your report with TransUnion, Experian and Equifax since your FICO score will vary from one to the next. At the very least, you will know where you stand in terms of your credit. And, doing this will give you the chance to protest and fix any glitches you find there.

5. Apply to multiple trusted personal loan lenders:

To get the best rate for your loan, make sure you apply to many lenders, not …

Business name parts

Small businesses or new businesses often have two parts to their business names. The first part can be described as the unique part and the second part is the descriptive portion. Some people try to use only a unique name for their business without a descriptive part. This is generally a bad idea for small businesses because without the descriptive portion people won’t know what services your business offers. Over time as your brand becomes well-known in your market you should be able to drop the descriptive portion of your name and people will still know what business you’re in.

The unique portion of a business name takes many forms. The following list contains several variations of the unique portion that are often used for tutoring business names.

Aspirational

Tutoring businesses often use words related to success, reaching goals, and succeeding since these are some of the reasons people hire tutors. Words like “Elite”, “Ivy”, “A+”, and so on are examples of aspirational words. Check the thesaurus for more ideas for your business. Words like these are great for a tutoring business name because people will begin to associate your business with success.

Geography

Tutoring companies often operate in specific geographic markets so including the name of your market in your company’s name is a good strategy. For example, you might name your company “Grand Rapids Tutoring” if your company is based in Grand Rapids. A name that includes your location is an effective way to communicate to people in your area that you offer tutoring for their area.

Unique Value

Many businesses have a unique value proposition – something that distinguishes them from their competitors. If your business offers some kind of unique value to customers you might want to include this in your business name. Examples include words like “Traveling”, “One-on-One”, or “Total Math”. Unique value propositions can be related to your method of teaching, grade level, subject you specialize in, etc.

Subject Specific

If your tutoring company specializes in a single subject you might want to create a unique name related to the subject in which you specialize. Unique names can include words in a foreign language you teach, terminology such as “Pi”, or names of influential figures in your subject such as “da Vinci”, “Pascal” or “Einstein”.

Personal Name

Using your own last name in the name of your tutoring business is another useful technique for naming your business. Many successful companies have used this naming technique (I.e. Kumon, Huntington Learning Centers in the United States, Kip McGrath in Australia. This technique can become even more effective if you are already well-known for your work in the education field.

The second part of your business name should be the descriptive portion. Including words such as tutoring, tutors, education, academy, learning, learning center, etc. The descriptive portion of your business name is what tells people what your company does. This is very important when your business is starting out since you want to begin …

The recent housing market slump, the recession and the world economy has taken a huge toll on just about everyone. Many of us struggle to pay our monthly bills and our finances never seem as though they will get any better. Eventually you may get to the stage where you can no longer afford your monthly outgoings and this then leads to all sorts of problems. Late and missed payments, a poor credit rating, CCJ’s, defaults, bankruptcy, the list seems endless.

Whenever you do find yourself in this situation one of the first things most people consider is trying to obtain an unsecured personal loan. This will no doubt ease many of your current financial worries. However, getting an unsecured personal loan when you have a poor credit rating is easier said than done.

I have found that many people’s initial approach to this situation is what is letting them down. So if you really want to get an unsecured personal loan, please sit back and read.

First things first, get a copy of your credit report. You can get a free copy once every 12 months from either, Experian, Eequifax or TransUnion. If you have poor credit, make sure you know exactly why. Once you have checked through your credit report, make a list of anything that appears untoward (even a misspelled name or incorrect address can effect your ability to borrow money). Any errors, make sure you contact the specific lenders and let them know.

Next make a budget plan. Detail on paper all your household income and expenses. So for income, this should include salaries, dividends from shares, pensions, benefit payments, etc. Your expenses should include everything – mortgage/rent, property taxes, utility bills, school/college fees, food, entertainment…just about everything you can think of. From this, work out whether you have any excess cash at the end of the month or are currently living beyond your means.

Then it’s time to do some research. There are literally millions of financial websites that offer loan calculators. Now i may be wrong, but the main reason that people look for poor credit rating loans is to consolidate their current debts. By doing this, you no longer have to worry about paying several lenders and usually by consolidating your debts your monthly outgoings should reduce! Calculate from these websites, how much of a loan you need to cover all your debts and how long you wish to take to loan out for. You should then be given a monthly repayment amount. Is this less than you are currently paying? I hope so!

Print out your findings and put them together with your credit report and your budget plan. Now if you choose to approach a lender for a Poor Credit Rating Loan, you are far more prepared. Additionally any bank or financial institution is far more likely to take you seriously when you have made this kind of effort. This shows responsibility and a willingness to dig yourself out of your …

Today, organizations and individuals who do not shred their sensitive and private documents are putting themselves at great risk. Unfortunately, identity thieves and fraudsters look for sensitive information in such places as a dumpster. They not only use this information to steal a person’s identity, but they also use it to create credit cards and other financial tools in another person’s name in order to steal money. A document shredding service is an effective way to destroy sensitive documents. It is actually an important investment in your company’s personal and financial security.

There are many different types of documents that require shredding services in order to safeguard against theft. If you are planning on implementing a paper shredding program, below you will find the kinds of documents that require shredding services:

Individual/ Personal Documents: passwords, credit card and bank statements, any document with a signature, confidential documents, legal documents, lists of addresses, phone numbers, pre-approved credit offers, charge receipts, credit applications, credit card applications, insurance forms, past bank statements, social security numbers, expired charge cards, expired passports, visas, bills, and utility bill statements. As well, other important documents that should be shredded include: cancelled checks, debit card receipts, loan forms, sales forecasts, and identification cards such as employee, military, and college IDs, telephone bills, and old airline tickets. Basically, any paper item that has personal and financial information that you no longer need should be shredded.

Business Documents: account numbers, customer personal information, customer financial information, invoices, sales lists, sales orders, inventory lists, purchase orders, customer credit history reports, confidential documents, passwords, business policies, company by-laws, certificates, maintenance documents, any document with a signature, social security numbers, budgets, bank statements, account statements, expense statements, estimates rental or lease contracts, loan forms, and competitive documentation.

Employee Documents: health documents, resumes, records, contracts, benefits forms, retirement information, employee personal information, and discharge papers. Basically, any employee document is considered confidential and must be properly protected.

Legal Documents: incorporation documents, licensing agreements, court records for settlements and claims, patent and trademark information, severance agreements, expired contracts, expired service agreements, product and design information, research information, charts and graphs, and insurance information. Basically, any legal document that has been deemed confidential and sensitive should be shredded.

For all businesses, a paper shredding service is a valuable investment because it essential that the business, client, and customer information remains secure not only to protect them from thieves and scammers, but also for liability reasons. Companies can be sued if their data ends up in the wrong hands and damage is done to a particular party that the company was suppose to protect.

The benefits of hiring a professional shredding company to shred your documents are numerous. It is an effective and easy way to get rid of confidential information. You will rest easy knowing that your documents were permanently destroyed and no unauthorized third party ever viewed any of your sensitive data. In today’s data mining world where information is a precious resource, document protection …

The Condition of the Home

Insurers factor in general wear and tear on your home when setting a premium. They will inspect such things as the condition of the roof, porches, decks, and the integrity of the home's wiring system. Because new homes tend to be in better condition than older homes, some insurers will offer up to a 15 percent discount if your home is new.

The Construction of the Home

Certain types of homes are less expensive to insure because they are more resistant to damage. For example, a brick home is preferred because of its resistance to wind damage.

Safety Factors

Many insurers also offer discounts of approximately 5 percent for safety features such as burglar alarm systems, deadbolts, window locks, smoke detectors, and sprinkler systems. You may also receive a discount if your home is in close proximity to a fire department.

If There is a Smoker in the Home

Because smoking in the home greatly increases the risk of fire, some insurers will offer a discount of about 2-5 percent if no one in the home smoke.

Is the Home in a High Risk Area

Flood and earthquake damage is not covered by standard home insurance policies. Special supplemental catastrophic policies that cover these conditions are available, but can be quite costly. If you are currently covered against these catastrophes through a government plan, however, research coverage through a private insurer. It may actually be lower.

Type and Amount of Home Insurance Coverage Needed

Homeowner's insurance typically covers damage or loss to your home and its contents, but some packages also provide other benefits such as personal liability coverage if someone is injured on your property or theft insurance. Read the fine print. Prices and coverage can vary significantly between packages that appear similar. Make sure you get what you need and use what you get.

Your Desired Deductible

The deductible is the amount that you the policyholder must pay before your insurance company starts paying benefits. The higher your deductible, the lower your home insurance premiums. By raising the deductible, you can save up to 50 percent of the cost of your homeowner's insurance.

Loyalty to Your Company

Insurers will often reduce their rates if you buy more than one type of coverage such as auto and homeowner's from them or if you stay with them over a period of time.

Is There a Retiree Living in the Home?

If you are over the age of 55 and retired, check with your insurer to see if you qualify for a discount. Most insurance companies offer these discounts because retired people are home more and can spot fires sooner than working people and have more time for maintaining their homes. Some insurance companies will offer discounts of up to 10 percent to seniors who qualify. …

Travel insurance policies come in different types of packages, with all manner of options and choices. It is designed this way for a reason, of course. You would not want to pay for cover that you are unlikely to need, or skimp on cover you should have.

A basic policy may be adequate, or you may find you’ll be more comfortable paying a bit more to obtain higher levels of cover, as needed. It often depends on where you plan to travel. Let’s say you plan to travel to a destination such as Madagascar, which has limited medical facilities. In the case of a serious medical emergency you may have to be transferred by air ambulance to another country for treatment. Therefore, you would be wise to pick a policy that offers the maximum cover for medical emergencies. It should also include cover for air ambulance and medical repatriation. If you check you may find that a very cheap policy does not include this cover.

You will need to decide whether to opt for a Single Trip or Annual Multi-trip policy. If there is any possibility that you may take more than one trip in a year the Annual policy is normally the best value for money. On many policies children are included free – which is a major saving for family holidays.

Travel insurance premiums normally increase depending on where in the world you are travelling. For example, the cost of travel insurance for a British citizen travelling to Europe would be less than if they were flying long-haul to a destination such as North America or Australia.

Most travel insurance companies offer different levels of cover so that you can choose. Paying a bit more for the next level should affect the amount the insurer will pay on a claim, or increase the amount of items covered. Pay attention to the amount of Excess (Deductible) included as it may be much higher on a cheap policy. (This is the amount you have to pay towards a claim). To keep the premium very low it is often the case that levels of cover have been cut or the amount of Excess increased.

When it comes to pre-existing medical conditions the cost may increase dramatically for serious pre-existing conditions, or the insurer may not offer cover at all. Most often though the average company will agree to cover a specific condition for an extra premium, or with the understanding that any claims related to the condition are excluded. This can be a bitter pill to swallow for those that are affected.

Unfortunately, it is a fact that travel insurance for seniors is usually more expensive because of the assumed increased risk of a medical problem arising – despite the fact that our seniors are probably healthier these days than they have ever been!

Winter sports (skiing/snowboarding) insurance can be added to a typical travel insurance policy for an additional fee. Other add-ons may include cover for activities such as:

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