personal

Think and Grow Rich should be required reading for all entrepreneurs. Although it was originally published in 1937, a quick reread shows that its philosophy has stood the test of time. The content of this book is just as relevant today as it was when it was published near the end of the Great Depression. “Think and Grow Rich” was inspired by Andrew Carnegie, one of the wealthiest individuals in the world at the time, who disclosed his formula of personal success to Napoleon Hill. Hill went on to interview more than 500 very wealthy men do discover their personal secrets and philosophies of success. From his research, Hill went on to identify the similarities in the philosophies of these magnates and assemble the ultimate “what-to-do” and “how-to-do-it” manual for personal achievement.

The book is not only for those who want to achieve financial success, but for anyone who needs a breakthrough in order to achieve a personal accomplishment, whether it is financial, technical, physical, mental, emotional, or even habitual. One of my favorite passages of “Think and Grow Rich”, that I immediately committed to memory upon reading, is taken from the second chapter entitled “Desire, The Starting Point of All Achievement, The First Step Toward Riches” Hill states, “Every human who reaches the age of understanding of the purpose of money wishes for it. Wishing will not bring riches. But desiring riches, with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches.” Hill then goes on to list the six ways to turn desires into gold. It was at that point that I was immediately hooked, not only because of his writing style, but because every chapter was teeming with lists and how-to’s on various topics of achievement and success.

This is not to say that Think and Grow Rich is simply a book of lists. On the contrary, the lists are usually generalized summaries of the preceding passages, and they typically paraphrase and present the moral or lesson of the story of an individual or group who was able to accomplish a seemingly impossible task by 1) taking control of their mindset, 2) creating a definite plan, 3) persisting until success, and 4) not accepting failure as an option. As an example, in the chapter on Desire, before presenting the six ways to turn desire into gold (or more symbolically, riches) Hill tells the story of Edwin C. Barnes. Barnes was a man who at one point in his life would be considered a tramp by any reasonable person’s standards, yet through a burning desire and definite plan, created a partnership with Thomas Edison five years after deciding that was his goal.

As he revealed how he accomplished this feat he stated, “There is but one thing in this world that I am determined to have, and that is a business association with Thomas A. Edison. …

Developing a Personal Development Plan is critical to success in business. We must start from the beginning and build each article. We will be exposing you to all of the steps. The structure of this plan must start with mind mapping and brainstorming all of things that you will create in your life and business. The brain dump must flow and be without self criticism and should be free and empowered not restrictive in any way. The following paper will outline some areas that you will want to focus on to be successful in this exercise.

Personal Development Plan for Your Health

You must take care of your health before anything can make sense. You must set up ALL of the amazing accomplishments that can grow from a well nourished and lean, healthy body. This is a pertinent key to holistic plan. I see so many who just see one or two aspects of success. Health is so essential for your mind, your vision, your leadership, and your creativity. Stress does not produce good results, but health creates outstanding results. You must focus on your health both mentally and physically. Working out and meditation is key to starting your day with an empowered mindset to conquer and win through out the day. Get going now…list all the wonderful things you want to create in your life from the energy of a fit body and mind. Here are some examples:

  1. I am creating new and fresh ideas for wealth and prosperity every day as I work out in the gym.
  2. I am creating new prosperous relationships from my healthy and energized body each day.
  3. I am attracting amazing business partners who will change the world with me as eat food that is fuel for power.
  4. I am discovering new talents and abilities from a place of health.

You are getting the point. Always state in present tense. Put forward and real faith in the accomplishment. You will be amazed at the results. Mind map this and watch what pours out of you. Health is so key! Here are the some tips for you as you brainstorm:

  1. MOVE – Always move walk up and down stairs at work not the elevator. Make calls on a walk. MOVE!!!
  2. Eat a balanced diet. We have found that Isangenix is a great program for cleansing your body and move you in the direction of eating for power.
  3. Be Active in Exercise Program – Cycle, run, play racquetball, get out and be involved in adventure. Make it fun but get going!
  4. Manage your stress – God says, “Be still and know that I am God.” Be still meditate, destress, disengage and breathe! Pray and meditate to slow down. Do not take yourself so seriously.

In conclusion, get get yourself to take massive action steps to health. This is fundamental to becoming a strong and visionary leader. We have found that looking at food as fuel in your tank forces us to evaluate what we put in …

There are several psychological and social factors that have been linked to increased individual life expectancy and quality of life in older adults. While the majority of attention in the life extension and successful aging field has focused on physical factors such as exercise, diet, sleep, genetics and so on, there is a growing body of evidence that suggests that psychological and sociological factors also have a significant influence on how well individuals age (Warnick, 1995).

Warnick (1995) believes that adjusting to the changes that accompany late adulthood and old age requires that an individual is able to be flexible and develop new coping skills to adapt to the changes that are common to this time in their lives. Aging research has demonstrated a positive correlation between someone’s religious beliefs, social relationships, perceived health, self-efficacy, socioeconomic status, and coping skills among others to their ability to age more successfully. The term successful aging has been defined by three main components: “low probability of disease and disease related disability, high cognitive and physical functional capacity, and active engagement with life” (Rowe & Kahn, 1997).

Baltes and Baltes (1990) suggested that the term successful aging appears paradoxical, as aging traditionally brings to mind images of loss, decline, and ultimate death, whereas success is represented by achievement. However, the application of the term, successful aging, they argue forces a reexamination of the nature of old age as it presently exists. “An inclusive definition of successful aging requires a value based, systemic, and ecological perspective, considering both subjective and objective indicators within a cultural context” (Baltes & Baltes, 1990).

With medical advancements and improvements in living conditions people can now expect to live longer lives than ever before. But, the prospect of merely living longer presents many problems. This fact has led researchers to investigate the psychological aspects of aging, with a goal of making the additional years more worth living. There is a great deal of information that leads us to be hopeful about the prospective quality of life in late adulthood and old age.

Religious beliefs, spirituality, and church participation have been the focus of numerous studies involving older adults. Various studies have associated religiousness with well-being, life satisfaction or happiness (VanNess & Larson, 2002). Although it will be necessary for future research to more clearly specify which dimensions of religious participation are beneficial to which outcomes (Levin & Chatters, 1998), it appears that certain aspects of religious participation enables elderly people to cope with and overcome emotional and physical problems more effectively, leading to a heightened sense of well being in late adulthood.

It is commonly known that suicide rates are higher among elderly people, and there is evidence that persons who engage in religious activity are more than four times less likely to commit suicide (Nisbet, Duberstein, Conwell, et al: 2000). The inverse association between religiousness and suicide rate in elderly individuals may be due to the fact that religious beliefs help elderly people cope with or prevent depression and …

Look at today’s blazing hot sailboat market, and you could find some super deals. But buyer beware! The real cost of owning a sailboat could be more than you think. Follow these easy sailing tips for a reality check on what it might take to get a small used sailboat ready for coastal or offshore sailing.

Take “Time Out” for This Reality Check!

Imagine that you are out for a stroll around a marina and come across a boat that catches your eye. You run over to the brokers quaint office next to the marina dock and ask about the boat. You can bet on hearing all the good things and the price just can’t be beat.

Before you do one thing more, count on an additional 33% and 50%. This assumes that the sailboat in question has no hidden damages and can pass a marine survey.

Let’s pretend that you walk back to the boat with the broker and conduct a quick once-over survey of the boat. All seems well; no glaring leaks inside the cabin from the portholes or hatches. No excess water in the bilges.

The engine appears to be well taken care of and starts, shifts, throttles, and stops smooth and easy. Her sails, running rigging and standing rigging seem to have good integrity, without breaks, bends, cracks, distortion, abuse, or neglect. And her boat anchor and ground tackle are in good shape, well cared for, and show minimal signs of deterioration, rust, or corrosion.

Add 33% to Get Her Ready for Coastal Cruising

Plan to spend an additional 33% on top of the purchase cost to get a sailboat ready for coastal cruising.

Hull, Deck and Rigging

Older sailboats may have hull problems such as blisters or water intrusion into the core (wood sandwiched between specific areas on the deck to stiffen and strengthen the deck). Older boats may need running rigging replaced if it has become chafed, worn, or sun damaged.

Part of the standing rigging may need to be upgraded. A surveyor will be able to test the metal integrity of wire shroud and stay ends and turnbuckles to determine if microscopic cracks are present. After years of use and exposure to spray and rain, this can be a common defect on used sailboats.

Sails

Upgrade or add to the sail inventory. No matter what the advertisement says, 8-10 year old sails are past their prime. Stretch, wear, UV light take their toll. At the least they will need a major overhaul. And you may need to replace one or more sails. Consider that on a 27 foot cruising boat, the typical mainsail can cost more than $1000 dollars. That’s labor, additional reef points, and materials. Save lots of money if you learn to repair or make your own sails.

Anchors and Ground Tackle

Beef up the ground tackle. Nothing adds more to the overall safety when sailing than your boat anchors. Carry at least three for coastal cruising. Ground tackle will include …

What Is Auto Insurance?

Auto insurance is a product that is purchased and also that can pay for damages to your vehicle or others' vehicles in the event of a car accident or non-accident related harm. Each state has its laws regarding the amount of car insurance that each person should have to be able to drive legally. Many different factors influence auto insurance rates, as well. It does not even base on various companies; It is up to the insurance industry to determine what car insurance is and how much each person will pay for auto coverage.

What is car insurance? It seems like a very fundamental question. However, there are many different facets and elements to consider about car insurance that it can get complicated very fast if you're not prepared for what you're getting in. You need to know how rates are more calculated what types of coverage are available, how much coverage you need or can get, and which companies offer the best auto insurance for your needs.

What Does Auto Insurance Cover?

Auto insurance is used to protect you the individual or a business or organization from financial loss in regards to a motor vehicle. Financial loss can happen due to many reasons, and having auto insurance can cover your losses in a variety of ways.

Liability for Property Damages

Responsibility for property damages is coverage against damage you or a person driving your vehicle with your permission does to someone else's property. Costs can include the other vehicle, utility poles, fines, buildings, homes, businesses, or almost any type of structure your car comes into touching.

Collision

Collision coverage usually protects your vehicle from damages resulting from an accident with another vehicle, pothole, car flipping over, etc. Collision coverage will pay for repairing your vehicle, or if your vehicle has damaged the accident, it will refund you for the value of the car subtracting deductible and in many cases other costs.

AUTO INSURANCE IN THE USA

Auto insurance is a necessity, and this is amply evident from the fact that all states of the USA have made it mandatory to have car insurance on all vehicles. Most of the time, this appears to be aothersome exercise, but why to wait until you get involved in an accident to find out how taking an auto cover takes care of your assets and you. High medical expenses and lawsuits judgments on the rise make it worthwhile to protect yourself and your precious vehicle with car insurance.

Furthermore, all jurisdictions have made it compulsory to have two auto insurance systems – the no-fault system, and the Tort system. The former type of insurance favor in most states dictates that your insurance carrier will pay the damages claims no matter who caused the accident in reality. The amount payable is up to a specified limit, and if you are involved in an accident, your carrier is liable to pay for the injury. As against this, the Tort system the …

Saving money is making money! However, you simply can’t save your way to riches. So, it’s important to save money and earn money at the same time! There’s plenty of ways to do both of those wisely but this article is just going to be about saving money! I will cover the earning a substantial amount of income easily portion another time.

There’s a plethora of ways you can save money! My personal favorite is memberships! So, what are some good memberships to begin saving a substantial amount of money each year? I will list 3 awesome membership types below but first I am going to list a few features or benefits that you should look for before purchasing a saving money membership.

Features And Benefits

  1. Variety – You should look for a membership that can save you money on a wide list of things. You don’t want to invest in a membership that allows you to save money on just one thing unless you purchase that one thing religiously, such as gasoline! Look for a membership that will allow you to save on almost anything that you use on a daily basis.
  2. Big Savings – Once again, you can’t save your way to the top. So look for a membership that has big savings! It’s very possible for you to save thousands of dollars each year, so don’t settle with a membership that only saves you hundreds each year!
  3. Return – Any membership you get will likely cost money! You don’t want to invest money into a membership that will never reward you back what you had paid or are paying! Make sure to calculate the numbers and see if the membership you’re looking into will give you a return on your investment!

Awesome Memberships

  1. Warehouse Memberships – Why would you buy a small package of toilet paper if you can get a large package of the same brand for the same price as the small? Buy in bulk with a warehouse membership! Yes, most of these memberships require an annual fee but that’s for you to decide if you’re saving enough money each year to balance it out! If you are single and live alone with no kids, you probably don’t need this membership. However, if you are married with 3 kids you most definitely should consider and look into getting one of these memberships!
  2. Grocery Memberships – I can only assume that most people purchase groceries on a regular basis. Look for a membership that allows you to save a good portion of money on all of those groceries! This is probably one of the best memberships you can purchase! If you buy food, this membership is for you!
  3. Fitness Memberships – This is a good membership for anybody! Even if you aren’t currently active physically, there’s a good chance someday that you will be! It’s never too late to start! You can look for a gym membership in which will save you money or even for

São Paulo is the largest city in Brazil and world’s 7th largest metropolitan area. This Alpha World City with many tourist hot spots is the second most populous metropolitan area in the Americas. This prominent commercial and entertainment center has a famous nickname “Sampa”.

São Paulo has a large number of well-equipped hospitals that offer health care service of international standard. Its private health care sector is very large with many world-class hospitals and most of the major hospitals in the nation are situated in São Paulo. All these leading hospitals in São Paulo offer service of English speaking staff.

Here is a short description of some of the leading hospitals in São Paulo.

The Hospital Alemão Oswaldo Cruz (Oswaldo Cruz German Hospital) situated at RuaJoaoJuliao,331-Paraiso CEP 01323-903- Sao Paulo is a prominent hospital in Brazil with international reputation. This 239-bedded hospital was founded in 1897 by a group of German immigrants. This Joint Commission International (JCI) accredited hospital has also achieved TEMOS, Telemedicine for the Mobile Society, certification. This famous German agency has given top marks to Hospital Alemão Oswaldo Cruz for providing best health care service to Europeans visiting Brazil. By conducting many highly complex surgeries, the hospital has attained the highest-level certification from Brazilian Accreditation Organization (ONA) also. The hospital has 239 beds, 13 ICU beds, 13-operation theaters with4 laminate flow system, sterilized materials store, equipment room, a best equipped emergency room and 15 PRA (Post Anesthesia Recovery) beds. The hospital offers excellent clinical, diagnostic and surgical service in different departments including cardiology, imaging diagnosis, endoscopy, memory stimulation, metabolic surgery, nephrology and dialysis, orthopedics, diabetes treatment, Physical therapy, hematology, oncology, human reproduction and transplants. The center offers warm accommodation in a friendly and caring environment. Telephone: 55 11 3549-0093

Hospital Sirio Libanes located at Rua Dona Adma Jafet, 91Bela Vista – São Paulo – S.P.CEP: 01308-060 is one of the most popular, modern hospitals in Brazil and Latin America. This 300-bedded premier health center, established in 1965 has 4,500 employees, performs 50 surgical procedures daily and conducts 2,000 types of various diagnostic examinations. The hospital has achieved international reputation by offering high quality health care service in more than 40 medical specialties and possessing all latest advances in medical technology. They offer medical service of global standard in their various centers of excellence, which include oncology center, cardiology center, diagnostic center, substitute renal therapy, rehabilitation center, urology, gynecology, orthopedics, gastroenterology, magnetic resonance, and memory diagnostic center and their oncology center is particularly acclaimed. The hospital provides fine accommodation in comfortable apartments/suites with an anteroom, cable TV, internet connection, a mini bar, telephone and background music. The hospital started well-equipped and round the clock emergency service with special area for children in 1992 and has modern ICUs with 22 beds for adult patients. This service oriented hospital well known for its patient focused approach is also the most reputed medical education and research institution of the country and has established the famous IEP – Instituto de Ensino e …

As an entrepreneur, you want a lot: to grow your business in a way that feels authentic, to serve the right customers with the right products, to create a positive impact, while at the same time enjoying a meaningful and fulfilling life outside of your business. This can often feel quite daunting. You may find that you are spending countless hours doing, doing, doing without getting the results that you want and deserve. Business coaching is a business growth tool that is well worth your consideration. Let’s take a look at what it is and why it works.

A coach starts by getting to know and understand both you and your business. He or she will help you be very clear in defining what success looks like from your vantage point and then work with you to develop the vision, strategies, projects, goals, and timelines that-assuming you take action-will lead you to that success.

Business coaching is neither therapy nor pure consulting. The therapy model assumes that someone is broken and needs to be “fixed,” while a consultant may hand you a set of instructions that any generic business owner might follow. Coaching on the other hand is very personal and is relationship-based. Your coach will likely use a blend of encouragement, persuasion, and inspiration to keep you in action while you begin creating the results that you want.

Coaching works well when you are open to partnering with someone trained in helping business owners be their best. Professional coaches are particularly skilled in listening, strategizing, supporting, and keeping you on track with your tasks, projects, goals, vision, and dreams. And they do this without judgment of you and (importantly) without having a personal stake in the outcome. In this sense, your coach does what a spouse, business partner, or best friend can often have trouble doing: he or she is a completely objective third party who is 100% on your side.

The title of this article suggests that business coaching makes sense “now.” What do we mean by that? As a business coach, I naturally am predisposed to advocating coaching as a practical and effective tool under most circumstances. And yet, there is something happening right now in the autumn of 2010 that is in my opinion making coaching an even more compelling choice. Over the past month, I have been noticing that we are in a time of what I call congruent manifestation. That is simply a fancy way of saying that a lot of my coaching clients (and other people I know) are hearing “yes” over and over again. We seem to collectively be in a period of time during which it is easier to create the success that is possible when we are clear about what we want and take action aligned with that desire. From media deals to new jobs, to graduate school acceptance, to artists being awarded public grants, I am seeing people consistently hearing a big, resonant “yes!” to those outcomes that they …

Florida Form SR22 is the name of the document that provides verification of required insurance for drivers with a suspended license. Depending on the circumstances, court ordered suspensions have different conditions for the insurance, such as, coverage limits, compliance period, and payment terms. An assigned case number, appearing in the Motor Vehicle Report (MVR), matches insurance policies to drivers requiring SR22. Keep in mind, that a qualified policy may be a car insurance policy, motorcycle policy, or an operator’s policy where there is no vehicle to insure.

Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy, with limits of $10,000 for each. This policy type is paid in full for six months with no option to cancel, has a compliance period of two years, and a case number that begins with 2. When people are injured by an uninsured driver, Bodily Injury Liability (BIL), of $10,000 per person and $20,000 per accident, in addition to 10,000 PIP / PDL is required. This policy type can be cancelled, and the compliance period is three years. Driver license suspension will follow a canceled SR22 insurance policy, unless a new qualified policy has replaced the cancelled one.

After a policy begins, Insurance companies have up to 15 days to electronically submit (file) SR22 to the Florida Bureau of Financial Responsibility. The Florida Department of Motor Vehicles (DMV), usually will not reinstate a driver license until the electronic filing has been received. The entire process is fast and efficient, with the right company, and license reinstatement can be obtained within two days. However, some companies, will generate a “hard copy” for the policyholder, immediately after purchase, and some clerks at local DMV offices will reinstate a license when presented the certificate in person. This is the only way a license could be reinstated the same day a qualified policy is purchased.

in October 2007 Florida Form FR44 replaced Form SR22 for DUI drivers only. The SR22 filing is only acceptable on a Florida insurance policy and a $15.00 filing fee is added to the cost. Multiple SR22’s, or FR44 and SR22, are not issued on the same driver. A new FR44 filing will supersede an existing SR22 requirement. Form SR26 is used to report a policy that cancels which has the SR22 filing. Since June 30 2009 all filings must be done electronically by the insurance company on behalf of the policyholder. The older pink forms given to policyholders, to physically present to the DMV, are no longer sufficient. All SR22 case numbers begin with a one, two, or three, indicating different requirements.

Florida SR22 insurance facts, accurate and updated, are essential information for insurance agents and policyholders. Remember that the SR22 is the mechanism by which proof of insurance is established, and the insurance policy itself is basically the same with or without the SR22. Just like any other insurance policy, how much SR22 insurance costs for each driver depends on …

I think we all have a cookbook that we consider a "Top Cookbook." To be honest I think it all depends on what you enjoy and what you want to cook. There is, for instance, no doubt that America's Most Wanted Recipes is a top cookbook, if you enjoy restaurant style food. I definitely do and that is why I love it.

On the other hand you get cookbooks, like my personal one, that have simpler recipes, suitable for those times when you simply want to get something on the table fast, but still tasty.

I think potatoes are very underestimated as most people only consider them a stage. What many people do not realize is how healthy potatoes are. So, I thought I will give you a few recipes that will really come in very handy.

The three potato recipes I have for you fall into that category. They are quick and easy to serve with any meat or other vegetarian main course dish. The first one can be served on it's own as the main course with a salad.

Tasty Fried Potatoes

Ingredients:

  • 6 Bacon slices diced
  • C Cup chopped onion
  • 3 Cups pared and sliced ​​potatoes
  • Seasoning of your choice

Method:

  1. Cook bacon in heavy skillet.
  2. Add onion.
  3. Continue cooking until bacon is crisp and onion soft but not browned.
  4. Add uncooked potatoes.
  5. Season to taste.
  6. Cover and cook for about 15 minutes until almost tender.
  7. Uncover and brown both sides.

To make an omelet, you will need 6 beaten eggs. (Maybe an easier variation on the traditional frittata)

  1. Simply add about 1/3 of the beaten egg to the soft potato mixture.
  2. Continue cooking over low heat without stirring until the eggs are firm.
  3. Turn over whole with a wide spatula.
  4. Add another 1/3 of the eggs; Repeat process.
  5. When the last third has cooked through, the omelet is ready to serve.

Potato O'Brien

Ingredients:

  • 3 Tbsp fat
  • C Cup chopped onion
  • 2 Tbsp chopped green pepper
  • 2 Tbsp chopped pimento
  • 3 Cup cooked dried potatoes
  • Seasoning

Method:

  1. Heat the fat.
  2. Add the onion and green pepper and cook for 5 minutes.
  3. Add the potatoes and pimento.
  4. Cook until browned, stirring occasionally.
  5. Season to taste.

Mashed Potatoes Au Gratin

Ingredients:

  • 3-4 cup hot mashed potatoes
  • C cup buttered bread crumbs
  • C cup grated cheese
  • Paprika
  • ?

Spoon the mashed potatoes in a shallow baking dish, sprinkle the buttered bread crumbs over, then the grated cheese and lastly a dash of paprika.

Bake at 375 ° F for about 20 minutes until lightly browned.

Enjoy these recipes and look out for more to come. …