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What Does Personal Achievement Mean to You?

There is something special about setting out on a personal journey to achieve something, going through all the ups and downs of any personal change and finally reaching the goal you or someone else set for you.

More than achievement for your team or your community there is a great sense of fulfilment about reaching a goal.

What does personal achievement mean to you?

1. Satisfaction

When you decide to do something, especially if it is something you’ve not done previously then you can feel a personal; sense of satisfaction when you achieve what you wanted to do. It might be something as simple as tidying some clutter or clearing out some old clothes no longer needed, or as complicated as planning a journey around the world.

2. Fulfilment

Similar to satisfaction but also this means that you can feel that you’ve completed part of an ongoing sense of change or a process. For example if you are discovering how to use a new camera you can feel a sense of fulfillment when you have taken a set of photographs and viewed them on your computer.

You know you have a lot more to learn but are fulfilled at completing the initial part of the process.

3. Completing a journey of change

Change may take a moment or go on for a long time, but when you have planned to do something over months or years then when you finally reach the destination there is a sense of great achievement. This could be something such as completing a University course or preparing for retirement and what you will do when you stop working. I can identify with both of these scenarios.

4. Overcoming objections

When you start to talk about changes you want of goals you hope to achieve it is a common experience that some people will tell you that it is impossible or you won’t be able to do that thing. Yet when you are determined to do something and continue in spite of objections there is a wonderful sense of completion when you finally do it.

5. Reward

There might be a valuable prize when you reach the goal, yet the actual value isn’t necessarily vital. For example a certificate to show you passed an exam is only a piece of paper yet the value of that reward is tremendous and gives a great sense of personal achievement. Something which shows you and others what you’ve been through on your journey of change can enhance you own sense of its value.…

Role of Stock Market in Financial System

The stock market plays a crucial role in the financial system. It is considered as one of the best ways to increase their funds. But before you make any investment into the stock market, you should know how to get started. It may turn out to be a profitable affair as long as you know the tricks of the trade. To start with, you must have an account in your preferred brokerage.

You need to pay the corresponding transaction fee as they will be acting on your behalf. Primarily the stock market offer liquidity which empowers the financiers to trade efficiently on their securities. This is regarded as one of the best features of stock market investment. Also the exchange rates are vital in financial dealings as it eradicates the risk to personal purchaser or supplier.

Many pioneer economists believe that the role of stock market has opened new avenues in terms of financial as well as the economic growth of a country. Today with easy access to internet you can buy or sell instantly with online stock trading system. Although stock market can boost your financial stability but you should never overlook the risks attached to it.

Basically it’s a matter of sharp market observation and speculation. The ever fluctuating stock market can leave you high and dry. You need to understand how to minimize the risks on your investments. Proper financial guide, market research, expert advice can help you to deal with the risks involved to a great extent.…

Personal Attributes Are Qualities That Make You Who You Are

Personal attributes are those qualities that make you who you are. Some of these attributes are innate and others may be something you’ve learned or gained from experience.

What is important about them is this:

If you can say what yours are, you create a deeper understanding of the person behind the words. The person hearing the description of your personal attributes will develop a much stronger mental image of the sort of person you are. That is important because the key to most interviews is convincing the interviewer that you are the sort of person they are looking for. Knowing what they may ask you is helpful too.

There are lots of qualities that sum up a person, but not everybody can put them into words, so the point of this article is to give you some words and phrases or statements that you can use in the interview.

You may also want to use some of them in your covering letters, to help you answer an application form question or as part of your personal summary in your CV.

Make Sure You Can Back Up Your Claims

A word of warning though: whenever you make statements about your personal attributes, you may be challenged and asked to prove it or demonstrate it in some way or at the very least, to give an example of how you live up to your claim. So make sure you have a story to illustrate each one you use. If you don’t possess that particular personal quality, you will be found it!

Here are some phrases that describe a range of personal attributes:

  • I am highly motivated and enthusiastic and have a keen desire to continually update my knowledge and skills
  • I am a loyal employee who is hard working, dependable and trustworthy because I understand it is a two way relationship.
  • I have the ability to work individually and as part of the larger organization’s team
  • I have a strong sense of commitment; I am able to begin a course of action and work through it until it’s finished
  • I have a very strong drive and motivation to continually develop my professional skills
  • I have excellent communication skills, both verbal and written.
  • I have the ability to relate to all types of other people I work with
  • I have the ability to be flexible and adaptable in order to meet changing conditions or situations
  • I am outgoing, enthusiastic and a determined individual, eager to make progress.
  • I am professional, confident, efficient and goal orientated with the proven ability to use my own initiative or work as part of a team.
  • I have the ability to learn quickly and my common sense helps me respond to the needs of new situations.
  • I see myself as being competent and versatile with good organisational skills.
  • I possess honesty and integrity; I have high professional standards and I aim to be fair and truthful in everything I do.
  • I am reliable and able to be

Personal Trainer – History of This Practice

The personal trainer career pathway is a new one that has only recently been pioneered. Obviously, the ancient Greeks and other cultures of the past have had their athletic traditions, but most of this athletic training was actually intended to keep people in shape for war. Exercising for the sake of health and going to a professional expert in fitness training is a new practice that has only begun in the 20th century.

There were destination health spas in the late 19th century that were concerned with exercise in a parallel fashion along with overall body health, but these destination health facilities often used questionable health procedures that had little to do with actual fitness. Jack Lalanne is known as the godfather of all fitness and for good reason. Born in California in 1914, Jack was first a sugar addicted child that felt he was “mean and weak” as a result.

After a nutrition lecture he saw as a teenager changed his life, Jack threw himself into a sugar free nutritious diet, exercise and soon played on multiple high school sports teams. In 1936 at the young age of 22, he opened the first health club ever. Opening the club in Oakland, California, he gained a reputation with conservative minded doctors as a “health nut” to be avoided.

He walked the streets to find customers claiming he could recondition their bodies and get them in the best shape of their lives. In the process of opening his club and personally training his customers, he basically invented the personal trainer career. While he continued to shape his method for exercise instruction he also invented a number of exercise machines that are common place today.

The cable pulley weight lifting systems you see in every single gym in the world are his invention as are the smith machines you see everywhere as well. Soon Jack opened more clubs and each one had individuals working at them who could provide instruction in how to use the machines, eat well and get the proper amount of rest. Jack Lalanne eventually sold his chain of exercise clubs which were renamed Bally’s.

In 1954, the American College of Sports Medicine was founded to promote fitness, health and certify fitness professionals. This organization began certifying the first personal trainers, but by the 1980s the personal trainer career became popular and sometimes even lucrative. Fitness celebrities such as John Basedow, Gilad Janklowicz, and Jack Lalanne himself have made millions selling fitness videos since the 1980s.

Today professional training companies are everywhere offering to help you get fit at either the local gym or even your own home. Thanks to pioneers like Jack Lalanne, it’s quite possible for anyone to learn about fitness, get certified and find a job as a personal trainer.…

3 Essential Elements of a Viable Network Marketing Business

Many people nowadays are looking at network marketing as a business choice. It has been established that it is increasingly becoming common to see successes in this line of business, many thanks to the advent of relatively affordable broadband internet services, which has really brought the world to us.

Amongst the more favourable facets of the network marketing industry is the cost of entry that is relatively low. When compared to other start-up alternatives, this platform, most of the time, needs little capital involvement. You also get a great deal of support a lot of the time. You do not require any formal qualifications to get started, and you do not have to wait for too long to start earning money. Most of the time, you start making money within a couple of weeks, depending on how quickly you are able to sell your network’s products or enrol marketers into the program.

Statistics have also shown that the products and services being sold through network marketing business style tend to have better quality when compared to others as the survival of the business entity depends very much on the referrals it receives.

As there are many choices of companies to pick from, it is easy to get confused and make a mistake despite the benefits listed above. Therefore, you have to take your time to really look at as many opportunities as possible prior to making your choice. Keep in mind, you are seeking a business opportunity that will continuously bring you recurring revenue for the rest of your life. So, you have to be careful you don’t get it wrong right from the start.

Deciding on what you are going to devote to this endeavour, how much time are you going to commit, what resources are available to guarantee some level of success, who are your clients.

All these should be addressed a sincerely without reservations. After gaining some insight into these areas then you can take the following step in deciding what’s suitable.

Below are other essential questions to ask when selecting a home-based business opportunity.

1. What Kind of Assistance is Available?

Does the opportunity you’re taking into consideration have sufficient assistance and training to assist you through start-up? Depending upon your personality and previous experience, you may simply need fundamental training, or more personal assistance. If the business opportunity is through an already established business, do a substantial inquiry into the degree of help they offer. Your customers or downlines, as the case may be, aren’t getting the assistance they require if you cannot get assistance when you require it, which spells trouble for you.

2. What Type of Compensation is Available?

Are you searching for quick financial benefits, or are you ready to wait a bit to see results? If your home-based business opportunity is through an established company, check whether they have a rewards plan for their customers. If the opportunity is more self-driven, can you set practical objectives with this business opportunity that …

The VA Offers Loan Programs For Fixer Upper Homes

One of the many uniqueness of a VA guaranteed loan is the possibility of buying a house and using some of the proceeds of the loan(s) to fix it up before you move in. The only other type of loan similar to this might be construction permanent financing (also guaranteed by the VA). In other words, the VA will under certain circumstances guaranty loans so you can purchase and rehabilitate (rehab) a house that needs repair and that you and the lender knew required repair before closing. You won’t find that anywhere else.

Basically, you will have two loans, one for the initial purchase and a second or supplemental loan for the rehab work. That first loan will almost certainly require your house to appraise and pass inspection, even in its banged up state. In other words, the sink will need to have running water and the furnace will need to heat the house. You must coordinate the purchase and the rehab carefully with not only your lender but also with a licensed appraiser before you make any commitments. While this adds a level of complexity not normally found in residential mortgage lending, bear in mind that the United States Government is about to back the deal with a guaranty. Go for it!

Some Key Rules

It is important for you to know about some of the key rules established by the VA for this type of deal. The headings below have been changed to assist the reader and not all of the rules are restated here-just the ones that seem high profile.

A. VA may guarantee a loan for alteration and repair

o of a residence already owned by the veteran and occupied as a home, or

o made in conjunction with a purchase loan on the property.

B. The alterations and repairs must be those ordinarily found on similar property of comparable value in the community

C. The cost of alterations and repairs to structures may be included in a loan for the purchase of improved property to the extent that their value supports the loan amount.

D. A supplemental loan is a loan for the alteration, improvement, or repair of a residential property. The residential property must

o secure an existing VA-guaranteed loan, and

o be owned and occupied by the veteran, or the veteran will reoccupy upon completion of major alterations, repairs, or improvements.

E. The alterations, improvements, or repairs must

o be for the purpose of substantially protecting or improving the basic livability or utility of the property, and

o be restricted primarily to the maintenance, replacement, improvement or acquisition of real property, including fixtures.

F. Installation of features such as barbecue pits, swimming pools, etc., does not meet this requirement.

G. No more than 30 percent of the loan proceeds may be used for the maintenance, replacement, improvement, repair or acquisition of nonfixtures or quasi-fixtures such as refrigeration, cooking, washing, and heating equipment, and the equipment must be related to or supplement the principal …

Do You Know What a Financial Asset Is?

In the mid-1990s, and man named Robert Kiyosaki wrote a book called Rich dad, poor dad. This book was one of the first books that said your house was not a financial asset. Many people at the time argued that your house is an asset. Different people define a financial asset with a different definition. We are going to go over the various definitions that different people use.

If you live life according to Robert Kiyosaki’s principles, then a financial asset is something that gives you money each month, quarter, or year. If you were to quit working today, your financial asset would continue to bring in money whether you did anything or not. That is what he defines a financial asset as. Robert also defines a financial asset as something you can sell and turn into money, but his first principle of an asset is something that gives you money each month whether you work or not.

Other people define an asset as something you can sell them turn into money. Different examples of these types of would include money in your bank accounts, stocks, bonds, and mutual funds. Your 401(k) and any other retirement money that you have set aside are also considered assets.

Bankers allow you to count personal possessions as assets, such as your boat, car, and jewelry that you have. When you are applying for a loan, if you have more financial assets in the form of a boat or car that is paid for, the banker will look favorably on this. Of course your banker will consider any mutual funds, 401(k) retirement accounts, cash in the bank, and stocks as an asset to.

We all have different definitions of what an asset is financially and I urge you to look into yourself and see what your definition is. If you are considering your car a financial asset, consider this question. How much did you pay for your car and how much can you sell your car for? If you cannot sell your car for the amount that you paid for it or more, I suggest that it is a financial liability. Losing money on a position should not be defined as an asset, no matter what the situation. Sit down with the pan and paper and write down what you think an asset is. Write down what you currently possess that is a financial asset. Can you sell it today if you had to? If so, would you be able to get more for it than you paid? Understanding the difference between as asset and liability can mean the difference between becoming rich and staying poor.…

Pre-Approach Letters Keeping You From Selling Insurance?

Are you using pre-approach letters in an effort to secure appointments? How well are those letters working for you? If your results are less than you’d like this article will help you make some adjustments to those letters and improve your insurance sales results.

Realize when you take the time and spend the money to actually mail a pre-approach letter that letter has to produce results greater than the costs associated with the mailing. If it doesn’t then continuing to do what doesn’t work isn’t going to produce different results. No big surprise there yet it amazes me how people will continue to send a letter they already know doesn’t work and expect a miracle.

There is an incremental process that has to happen to have a pre-approach letter work for you. The first step in the process is getting your letter opened. Don’t use one of your fancy letter head envelopes when mailing these letters.

If you want your letter to get opened it absolutely has to look like a personal correspondence. The easiest and cheapest way to do that is to use a plain envelope hand addressed and sent using a live stamp. A live stamp is just a postage stamp like you buy at the post office versus any kind of bulk meter postage.

Your reader is standing over the waste basket sorting their mail and deciding what gets put aside to look at, and what gets immediately thrown away. They open yours because they’re curious as to who is sending them a letter. You’ve succeeded in the first step.

When they pull your letter out of the envelope it must still look like a personal message, so again don’t use your fancy letter head paper because when you do you immediately trigger their defenses. As they begin to read your letter your first sentence must clearly communicate the value to them in reading your message. They must immediately get that you get what’s going on with them.

The reader will not perceive value in an offer from you for a free review or a personal appointment. They’re thinking so what. You’re a complete stranger they don’t know anything about you and they certainly don’t see any reason to give you an appointment. That’s the wrong offer.

The right offer will provide them with something that does have perceived value for them. Offer them something they do want and tell them the exact actions to get the offer. Then allow them to reach out to you first.

Some will reach out immediately others won’t. You need a system to properly follow-up with each person. Your objective when you call the people who reached out to you is to determine if this person is a good potential client for you. Only extend an offer for an appointment to the people highly qualified to work with you who realize there may be a reason to meet with you and learn more.

Look at your current pre-approach letter and match …

How to Promote A Christian T-Shirt Business – Effective and Low Cost Marketing Tips

Quite a lot of people today are turning towards Christian businesses since these are highly targeted niches that receive much success. Starting a Christian t-shirt store online can be a great way to earn additional income. However, you do not really have to spend a lot for marketing your business. If you learn how to promote a Christian t-shirt business at low cost, it is quite possible for you to enjoy good revenues. The marketing tips that have been discussed here will provide you several helpful ideas to start with.

How to Promote A Christian t-shirt Business

• One of the best ways to promote this type of business is to get an article or an advertisement published in your local Christian newsletter or church newsletter. If your local church has a website you can also get your company promoted there so that you would be able to target a huge amount of audience. Provide a few good pictures of your t-shirts along with effective text.

• One of the best, free and the most effective way to market your business is by wearing your t-shirts yourself. If your t-shirts are unique you would certainly be generating a lot of inquiries from everyone. Hand out a few t-shirts to your family and friends so that they can wear them and advertise your business for you without hanging out any money at all.

• If you are wondering how to promote a Christian t-shirt business online then you should know that article marketing is one of the most effective marketing methods. Write articles and get them published on various article directories for free. Include a link to your website and you would be generating a lot of traffic in very less time.

• Join a few online forums for Christians and talk to others. Ask questions, leave comments on the profiles of others and answer questions regularly. Ensure that you leave your signature and a link to your website.

• Create attractive, interesting videos and post them on YouTube. This is one of the best and the most effective ways to market a t-shirt business online. Creating videos is not really difficult. If you make it personal your videos would generate even more interest and would be very effective.

• Offer good discounts and attractive schemes on a regular basis to your customers so that they would be able to take the benefit and save money.

These were only a few good and low cost methods in which you can save money while promoting your business. If you learn how to promote a Christian t-shirt business, you would be able to generate more revenues over time. …

How To Start A Storage Shed Business – A Quick Guide

Believe it or not, you are ahead of over 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the population simply by your decision to start your own business. Whatever the reasons, it is important that you start right. In this guide I will show you the steps to take to start a storage shed business.

Getting started can begin with simply saying, “I’m starting a storage shed business.”. Now you need to create a business plan to follow. Without a plan you won’t have any sense of direction and before long you won’t know where to go or what to do next. Most new businesses fail within the first two years simply because they didn’t have a written business plan.

Business Plan;

Step 1. Name your new business. Don’t too clever here. Keep it simple and to the point. You want people to know what you do simply by reading your company name.

Step 2. Separate yourself, financially from the business. This involves separate business checking accounts and lines of credit and credit cards. You may want to talk with an attorney about incorporating your business or creating an LP, or LLC. The last thing you want is to lose your home and personal belongings due to a legal matter with a supplier or customer.

Step 3. At this point, you need to decide where you will get the sheds that you plan to install.

A. You can buy a franchise from a storage building manufacturer. This takes a large chunk of money up front, but they will supply you with everything you need to market and sell their pre-built storage buildings and barns. The company will probably require you to have a vacant lot on which to display their models.

B. You can go to your local home improvement center and arrange with the store to install the sheds that their customers buy. This is easy and doesn’t require any selling on your part. But you are stuck with waiting for the store to call you with work.

C. You can buy the materials and, using customizable storage shed plans, build the exact storage sheds your customers want. This will take more time, of course, but will give you the most satisfaction when the job is done. Also it gives you complete control over your new business.

I hope this answers your questions about how to start a storage shed business. Just remember, before you ever start building and selling storage sheds, you need to have a business plan.…