personal

You know, there’s much more to playing music than learning scales and chops. There’s a whole other side to playing music that’s in your mind and your heart. As a musician, if you create your own personal development plans and follow them, you’ll be able to do much more than you every believed you could.

Setting Goals

This is first and foremost. You probably don’t remember, but one year ago today, you didn’t play nearly as well as you do now. You also hadn’t heard some of the music that’s influenced your playing. There were ideas out there in the universe that you couldn’t have even imagined one year ago today.

So, where would you like to be next year on this day? Nobody ever gets anywhere without setting goals. Decide what it is you’d like to achieve in the next year, and then take the steps you need to achieve it.

But, don’t set unrealistic goals for yourself. This is a real confidence killer. “I want to become proficient in six more orchestral instruments in the next year.” Whoah, put on the breaks a minute! Think about what you realistically can do; take steps toward your goal, and each step along the way will be joyous and inspiring. You can do what you want, but some things take longer than others.

Keep An Open Mind

Every musician has a subconscious checklist. This checklist says, “I am this” and “I am that.” It also says, “I can do this” and “I can’t do that.”

Everybody can benefit from exploration. Get out and check out new music you’ve never heard before. If you’re a jazz player, get some hip hop records. What do you like and what don’t you like about them? What is similar and what is different? You’d be surprised how different styles of music mesh together into something else. Don’t restrict yourself.

If you’re a classical musician, go the library and check out some CDs of music from some other part of the world. If at first it sounds jarring, give it a good listen. Maybe you can bring something unique to your music from a faraway place.

Turn Mistakes Into Learning Opportunities

One thing that holds everybody back, musician or otherwise, is focusing on failure. Regret is a terrible thing. When you make a mistake, reflect on it. Think about what went wrong and how you can make it go better next time.

This is especially important with your performances. When you have a bad show, you just want to go somewhere alone and stew about it. You might want to give the whole thing up and get an office job. But, it’s really important not to think about it that way.

Whether you have a good performance or a bad performance, reflect. Think about what went well, and what went badly. What got the most audience response, and what could you maybe skip next time. This is all part of honing our performance skills.

Relax And …

What’s it all about?

What is teamwork? Why is it that a team of people can achieve greater success than an individual working alone? I’d like to try and answer those questions with reference to my own personal experience.

Teamwork is obviously a subject about which many people seek to know more. If you search the Internet for teamwork related resources and a plethora of information turns up for free. Team building activities, teamwork games, team work articles and motivational teamwork quotes being just a few of the resources readily available to the researcher.

To gather my own thoughts I’ve looked back over my own experiences and thought about the best team I’ve ever worked with, I’ve contemplated what made that team great and asked myself the questions: Why did we we all work so well together? Why were we able to achieve greater than the sum of our individual achievements?

It’s made me think about what stops teams from working well too, what prevents them from being a team?

What is it that make a team great?

Here’s a few dictionary definitions:

Team – “two or more persons working together”

Teamwork – “combined action of a team, especially when effective and efficient”.

In my analysis the key words are “working together” and “when effective and efficient”.

You see those two short phrases describe to me exactly what a great team is all about. I’ll give another dictionary definition before I go on:

Team-spirit – the spirit of a group that makes the members want the group to succeed

I agree wholeheartedly with that definition, there’s nothing quite like being a member of a great team, where everyone is working together in harmony, their individual abilities all harnessed into a single focused effort. It’s genuinely very effective, it makes you feel that together you could achieve anything. You probably could too!!

Why can a team be more effective than one person?

Physical laws would tend to suggest that the overall ability of a group can be no more than the sum of the individual team member’s abilities, and could be slightly reduced due to inefficiencies within the grouping. Sadly this is often true for many so called teams, because in truth they are just a group of people suffering from a lack of motivation and individual selfishness, not what I would define as a team. True teams are empowered by team-spirit, the willingness to act as a member of the group rather than as an individual. Individuals empowered by team-spirit benefit from much greater motivation and therefore achieve greater success than they would acting alone. It follows then that a whole group of people empowered by team-spirit will achieve greater things than all of its individuals would alone.

What motivates people to work as a team?

I’ll never forget my first experience of working with a really inspired team , it was awesome! You could actually feel the energy it generated! I was one member of a great team of …

Most people reach out to their insurance brokers or underwriters when there is a significant event in their lives that necessitates new or revised risk coverage – perhaps when they purchase a new home or it’s time to trade-in the old car. However, far fewer remember to review their insurance at regular intervals or when more subtle changes to their coverage requirements occur.

Reviewing your insurance regularly helps ensure your coverage is what you expect it to be in the unfortunate circumstance that you need to file a claim. It also aids in making informed decisions regarding coverage and being proactive about minimizing your insurance costs.

There are many different circumstances that could possibly change your coverage requirements and prompt a call to an insurance professional for a review. The examples below identify some of the instances in which you might want to review your coverage:

  • Renovations – If you perform renovations to your house, it is likely that you are also increasing its value. Whether it’s a new kitchen, bathroom, pool, or even expensive landscaping, remember to check your policy limits to ensure they remain adequate in case of an insured loss. If you’ve recently renovated your basement, also note it is quite likely that your water damage insurance needs to be reviewed.
  • You’ve been accumulating possessions – Have you done a home inventory lately? Most people have more personal possessions than they think. Estimating the total value of your contents is vital to helping ensure your limits are adequate.
  • You’ve purchased a high value item – Remember that some of your personal possessions have to be scheduled to be properly covered. Jewellery, antiques, collectibles, wine collections, and art are a few examples of pieces that may require additional coverage.
  • New coverages have become available – The insurance industry frequently adapts to changing market conditions and offers coverage in areas that it has not in the past. For homeowners, insurance for overland water damage and home repair issues (such as broken furnaces) have recently become available from some insurers, in some areas. In addition, legal expense insurance, travel insurance, and pet insurance are available from brokers looking to cover more of your risk and insurance needs.
  • Laws changing to give you more or less choice – Changes to automobile accident benefits mean you should review your choices.
  • You become eligible for additional discounts – Changes in your personal circumstances may affect your eligibility for policy discounts. For example, if you install an alarm system you are likely eligible for a discount on your homeowner policy. If you use snow tires on your vehicle, many insurers offer a discount on your car insurance policy. If you pass the age of 50-55, you may become eligible for mature driver discounts.
  • If you change jobs and have a shorter commute – You should report this to your insurance broker as driving less typically correlates to lower risk and less expensive premiums. If you have a certain job occupation, you may also be

Have you ever wondered about some of the more general questions to ask a psychic when in consultation with an intuitive? If you are new to psychic readings and would like a bit of a heads up on some questions that may benefit you during a psychic consultation session then we’ve come up with a good general list for you here.

Feel free to modify these questions with words appropriate to your own personal situation, make them your own as they are just samples of general questions you may wish to utilize at some point. Sometimes it is a good idea to ensure your question is specific enough so that the psychic can tune in more deeply for you, the more specific a question often the more specific the answers that come through from the psychic can be.

You should have your list of questions handy during your psychic reading, it doesn’t matter if you are having a phone, email or face-to-face reading, have your list of questions handy on a piece of paper if you need to, just in case you think you may forget any of them. Remember you are only going to have a specific amount of time with the psychic, so prioritize your questions in order of what’s most important to you at the time too. There’s nothing worse than forgetting your most valuable question/s during a reading and discovering afterwards that you missed it out. This can happen due to the fact that one can get caught up in the excitement of the moment in a reading.

General Questions for Psychic Readings

  • I feel lost and confused, Who am I?
  • What is my purpose in life?
  • I’m not happy. Why? How can I become happy?
  • What are other people’s opinion of me? 
  • Why do I act the way I do?
  • Why do I always find myself in the repetitive situations – over and over again?

Relationship related questions for Psychic Readings

  • Tell me about my future in regards to relationships in general.
  • Tell me about my future with regards to my current romantic relationship.
  • I have met someone that I really like. Do you have any guidance about this?
  • Will I meet someone that I click with fully? When? Tell me about this person if possible.
  • I really like someone. What are their feelings towards me?
  • Someone has recently left me. Can you give me better understanding on this situation?
  • I feel my partner is unhappy in our relationship, Why?
  • I’m unhappy in our relationship, can you help me understand better?

Finance related questions for Psychic Readings 

  • Tell me about my future with regards to finance in general.
  • My financial situation is difficult at the moment. Is this going to change?
  • My financial situation is good at the moment. Is this likely to continue?
  • How can I improve my financial situation for the better?
  • I am thinking of making a major purchase. Any guidance on what will happen here?
  • I am thinking of making a

The other day a co-worker told me about her salary journey as a CNA. After completing her CNA classes she immediately started to look for a job and was a little shocked to see that the pay rates were surprisingly low. But she was confident and decided that she wanted to be a CNA not primarily because of the salary, but in order to help others and hoped that with more experience her salary would go up. Now it is five years later and her CNA salary has indeed increased, however, not as much she’d have liked. In my opinion, it really is a huge problem for many CNA who put their heart and time into this demanding job and the income doesn’t increase much with time. Therefore, here are four options to help you maximize the money you can make as CNA.

Location, Location, Location

Do you know that the starting pay of a CNA varies widely between different states? According to the U.S. Bureau of Labor Statistics CNA earn an average annual salary of $24,190 or $11.63 per hour (2011 data). However, depending on the state you work in the actual salary could be $23,500 (in Iowa) or $32,000 (in New York) or anywhere in-between. Therefore, if you are mobile and want to travel you stand a good chance to increase your salary as a CNA simply by moving to a different state.

Unfortunately, there is a catch. The cost of living in or near New York is notably higher than the cost of living in Iowa. Thus, although your income can be 35% higher in New York, you might end up having less in the bank after rent, taxes and food. However, though they may be an expensive states to live in – who wouldn’t desire to move to New York City or Hawaii?

Consider that if you move to another state, you also have to transfer your CNA license. To do so visit the website of the state’s Nurse’s Aide Registry and find out how you can transfer your license to this state. Alternatively, in case you are still thinking of becoming a CNA and want to explore the United States, You can also move to your preferred state after your initial training and obtain the CNA license there directly. It saves time and money.

Not All Work Settings Are Equal

With a CNA license you can find work in numerous settings. You could start in nursing facilities, community care facilities, hospitals, or possibly even as a home health aide. Depending on the place you go the salary can be quite different.

Nursing Homes

Many certified nursing assistants have told me that the salary in long term care facilities is typically not as high as that in hospitals. The difference is not excessive, but it is there. However, this doesn’t mean you shouldn’t consider working in a nursing home. It is a great place to start your career. In addition, there are other opportunities to raise …

Launched in 2007, Max International offers health enhancing products with a patented formulation called MaxGXL. In addition to their products, they offer a business opportunity for those that would like to make a career marketing their products. Anybody can learn how to succeed with marketing, but can you really make money marketing Max International products? Can you become rich, and if so, how rich?

The Thing: Currently Max International offers a total of 9 products all relating to health enhancement. Their products mainly relate to support of all cells in your body by nourishing Glutathione, which protects the nucleus of the cell and is the primary protector of the Immune Cell.

1. MaxOne – This is the most advance Glutathione support supplement they offer. Each bottle providing 60 capsules with instructions to take just two capsules a day. MaxOne gives your body the nutrients it needs to fight oxidative stress and strengthen your cells’ immunity.

2. Max N-Fuze – This product is an Antioxidant Defense. It begins by giving your body advanced cellular defense, strengthens the body’s antioxidant defense, supports glutathione functioning, and gives your body other vitamins and nutrients such as Vitamin A and Vitamin B.

3. MaxATP – Designed to be the ultimate energizing glutathione supporter of all their products, served as a drink. MaxATP, replenishes energy reserves and helps fight fatigue, builds ATP in your heart and muscles, and increases vitality.

The Opportunity: Max International seems to have a good line of products to offer, but is their income business opportunity worth your time? Can you really make money through Max International affiliate marketing. They currently offer 9 ways you could get paid marketing their products including Retail Profits, Preferred Customer Bonus, FastTrack Bonus, Double FastTrack Bonus, Team Bonus, Unlimited Seven-Level Matching Check Bonus, Platinum and Diamond Leadership Pool, Global Bonus Pool, and Max Living Bonus. For most companies, multiple ways of getting paid is a great sign of a very lucrative business opportunity. We’ll discuss a few to see if the cash is there.

1. Retail Profits – This way of getting paid is pretty basic and usually comes with all affiliate companies such as Max International, in which gives members the ability to market their products and keep the remainder as personal profit. You are able to buy product as a lower cost, sell them for a higher cost, and keep the remainder. For example: If you buy Max N-Fuze for $15 a bottle, re-sell it for $35 a bottle, you keep $20 personal profit.

2. FastTrack Bonus – In order to get started in this company(we’ll discuss more later) you have to purchase some type of Product Pack. However, you can also earn money by referring a member into the business in your team. By doing this, that member has to purchase a Product Pack as well, allowing you to qualify for weekly FastTrack Commissions.

3. Max Living Bonus – To my understanding, in order to qualify for this Bonus you must achieve all …

1. Gather and Prepare Your Personal Financial Situation Status Quo

This kind of information can depend a lot on you as an individual, but it usually has to do with…

— your investments,

— your insurance policies (life, health, long-term care, property, liability, etc.),

— your retirement benefits,

— your tax situation (income tax, estate tax, gift taxes, etc.),

— your will or trust,

— your other estate planning information,

— your powers of attorney,

— any other financial information or documents you may need.

It’s helpful for you to put together some simple personal financial statements. These can be much like those that are used in business. They might include your personal balance sheet, an income statement, and other relevant statements.

In the case of a balance sheet and income statement, the assets and liabilities, as well as your income and expenses, are included in the statements. These can be combined, for example in the case of husband and wife, or separate income statements and balance sheets could be put together for each person in your family.

If you are using a professional, they may have forms already made up that you can use for these purposes.

2. Identify Your Goals and Objectives

This will take some thought, and is one of the most important foundations to your financial planning.

Put some time and thought into it, and the rest will fall into place much better.

3. Compare Your Current Scenario With Alternative Ways To Handle Each Part of Your Financial Planning

Relate it to your goals and objectives. Get the advice and information you need from others, including professionals, and make decisions for changing what is the status quo.

4. Develop and Put Into Place Your Plan

Not someone else’s plan, but YOUR plan.

Putting together the facts of your current situation, your potential future situation, your goals and objectives, and looking at those alternative ways of handling your case, you can lay down a plan that, while flexible, will act as a map for your future years in planning your finances.

5. Review and Revise Your Plan As Needed Periodically

Don’t think of your plan as carved in stone. Things change. Circumstances change. YOU change.

There may be family occurrences like marriages, divorces, deaths, births, changes of occupation, varying economic conditions, and many other things that enter into making financial planning decisions.

Put these five steps into play, and you’ll be glad they did. Read more. Absorb lots of information. But don’t let it paralyze you. Information plus action will take you a long way.…

Over and over I hear consulting clients tell me that they can’t get their personal training business to grow. They are stuck at certain level of success with their bootcamps and they can’t figure out why. Their service is higher quality and they provide more personal attention than bigger box companies. So what are they doing wrong?

The answer is usually small things that make all the difference. For one, they are trying to create a brand out of a commodity. That’s impossible. The public now sees personal trainers, bootcamps and challenges offered around every corner. Every magazine cover and every Facebook timeline is filled with opportunities for free and fee-based access to these services. They are generic.

When that’s true the only thing left for a customer to do is compare based on their needs. If your location is better, your price is right, or you’re physically less intimidating, for instance, you might get a shot. Those are random results. You want predictable.

If someone goes to find you on the internet through their Google search, will they find what they’re looking for in you? Few people go to Google to look for a bootcamp nearby. A frustrated woman doesn’t look for a personal trainer at night on her computer.

People are looking for solutions. They have problems. Those problems somehow become urgent. It may be a wedding, reunion, or summer season that makes them feel urgent suddenly. Use the questions that someone types into Google to help you be the answer they find.

What would you type in if you were a 47-year old woman who wanted weight loss? What would you type in for suggestions on diets that work for fast fat loss? Using those specific words on your website, your business card and in your signature on your email will help someone believe you are their answer.

Instead of listing you alphabet soup, choose the most prestigious certification you have and list it. If they want the full resume they can find it on your website. List the website or the blog URL instead of getting carried away. Make it a live link. Have a way for the customer to find content that adds value when they get there.

Create more than one signature on your emails. For communication with personal trainers who are seeking a marketing coach for instance, I list my personal fitness professional’s blog URL and the web page where someone can learn about coaching. For communication with my after 50 female market, I include my wellness webinar page and the URL for my book targeting that market.

By being able to see that I provide information for people navigating fitness after 50, a prospective customer knows instantly that I have solutions for them. They do not care until later what credentials or experience I have. Until my personal fitness professional clients know I have the answers to their fitness marketing mastery they don’t care what degrees or certifications I have. Most of …

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital investment. It would be ridiculous to spend such a vast sum of money on a venture and not protect it against possible damage. It therefore makes sense to store information on these two subjects together, as the relationship is so logical.

Insurance is a form of risk management used to protect the insured against the risk of a loss. It is defined as the equitable transfer of the risk of a loss from one entity to another in exchange for a premium. There are different kinds of insurance for just about every conceivable event. The most common insurance is probably life insurance, which provides a monetary benefit to a decedent’s family or other designated beneficiary.

It can cover funeral or burial costs and can be paid out to the beneficiary in either a lump sum or as an annuity. Property insurance is one of the more necessary insurances as property is extremely expensive and if it is lost or damaged for some reason (fire, earthquake, flood) it can be very difficult to replace without adequate reimbursement. Travel insurance used to be seen as an unnecessary expense and is still viewed as such by many. Its importance is, however, being increasingly recognised by the public at large. It is cover taken by those who travel abroad and covers certain unforeseen events such as medical expenses, loss of personal belongings, travel delays etc. There are numerous other types of insurance, too many to mention, all vital if you want to protect something of particular importance to you or another.

In the world of finance there are many sub-categories, also too numerous to mention but a few will be included here. Forex, or the foreign exchange market wherever one currency is traded for another. It includes trading between banks, speculators, institutions, corporations, governments, and other financial markets. The average daily trade in the global forex is over US$ 3 trillion.

Tax consulting usually involves CPAs and tax lawyers in addressing any tax issues that you may have. There may also be Professional Strategic Tax Planners and Enrolled Agents, depending on the company that you hire. They will help you reduce your tax debt, eliminate tax penalties, an innocent spouse claim, tax liens, bank levies, and preparing unfilled tax returns, as well as any other tax resolution problem that you might have.

Property investment is usually when an investor buys property with an eye to generate profit and not to occupy it. It is an asset that has been purchased and held for future appreciation, income or portfolio purposes. In some instances an investment property does not have to be held for profit, as some landlords in New York …

H2O At Home is a direct sales company founded in 1997. They started off in France and opened shop in the USA in 2009. They offer clean, non-toxic, eco-friendly related products for a variety of purposes. Additionally, they offer a business opportunity for entrepreneurs looking to making an income marketing their company or its products.

The Thing:

H2O At Home offers natural home care, organic personal care, and natural home fragrance. They provide products using their “3 E Concepts”, Efficient, Eco-Friendly, and Easy To Use. Their products are not only designed to be effective, but more importantly safe! Therefore, no more fretting over your child potentially being able to get a hold of the harmful chemicals in your household!

  1. Natural Home Care – They have several home care related products in this category but overall it is designed to save you money, ban toxic-chemicals, give you the ability to clean with water and their non-toxic chemicals, use less product to get the job done, make the cleaning process faster and easier, and includes only natural ingredients. Such items included are their Cleaning Clay Kit for things like ceramic or ovens, Lime-scale remover, Purifying Laundry Power, and many others.
  2. Organic Personal Care – This category includes Facial Care, Body and Hair Care, and Microfiber Bath Towels and Accessories all with 100% natural and organic ingredients.
  3. Natural Home Fragrance – All the products in this category are made with 100% natural essential oils to provide a safer home while saving you money. Items included are Aroma-therapy, Scented Extracts, Essential Oil Diffusers, and many others!

The Opportunity:

The question still remains; can you really make money with H2O At Home? In order to answer this question accurately, we need to look into their Compensation Plan, which is awesome fun and exciting!

It appears that there are 4 ways you could start making money with H2O At Home such as Personal Sales, Team Members Sales, Bonuses, and Rewards. I will briefly explain them below!

  1. Personal Sales – You are able to profit 25% to 40% commission from all of your personal sales.
  2. Team Members Sales – With this payout, you can receive 10% of your personally enrolled down-line members’ sales.
  3. Bonuses – They offer a Fast Start Bonus, eligible for new members for their first 60 days to earn up to $400 in rewards or personally enrolling someone into your team.
  4. Rewards – This isn’t necessarily a payout, however, you could earn 10% to 15% of your product sales in free product. That’s right, free!

To Conclude, Yes, You Can Make Money With H2O At Home!

The Cost:

For some, this is the most important question before joining H2O At Home or any company like this! It’s important to remember, however, that all businesses require some type of start-up fee! However, in this industry, it is generally much cheaper to get started then it is in a traditional business that could cost around $30,000 to start!

In order to get started with H20