I'm pretty sure that at one moment in your life, especially when you're fresh into this working world, you would find yourself with this question: do you work for money or for interest?

Surely everyone has their own childhood aspirations, be it a firefighter, doctor or even a software developer; But does this ambition really apply once we're working adults?

I had a friend who has always wanted to become a firefighter. You'll hear him mention from time to time that all he wants to do is to save lives. I have to admit that it's a very noble ambition. Years of hard work finally paid off, and this friend of mine is now a firefighter.

As a kid, he only saw the bravery the firefighters have shown in their countless rescue missions, but never the fear each firefighter has to face. Now, as a firefighter, the interest is still there, but due to the extreme and dangerous demands of the nature of his work, his interest in his job has something dwindled.

In reality, no matter which job we choose for ourselves, the first factor in our decision has to be our interest. How else would you expect to remain in that job if not for the driving force of interest itself? Through the course of time, our interest might change once we've had an overdose of the interest. That is when we find ourselves in the mercy of the all powerful money.

Which is more powerful between interest and money? You're the one who'll be able to balance these two powers in your life. …

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

Secret #1: Don’t spend too much time on a life insurance quote.

Do not be fooled by the low price quotes you get online – they don’t apply to you unless you are extremely healthy. Statistically only 10% of people who apply actually get the lowest priced policy. The premium you end up paying has nothing to do with the initial quote you get online or from an agent. It is amazing to me how often I see people getting duped by an agent who quotes company X at a lower price than another agent.

Life insurance policies are the same price no matter who you buy from! One agent or website quoting a lower premium means nothing. Prices for any given policy is based on your age and health. There are a few exceptions to this but that is beyond the breadth of this article.

Most life insurance companies have 10-20 different health/price ratings and no agent or website can assure you the quote they give you is accurate. You have to apply, do a health check, and then go through underwriting (meaning you complete a mini-exam with a nurse in your home and then the company checks you doctor records and reviews and ‘rates’ your health) to get the real price of the policy. Remember that a health rating also factors in your family history, driving record, and the type of occupation you have. Only use quotes to help narrow down your choices to the top companies. You may want to consider a no load or low policy. The more that you save on commissions the more money builds up in your policy. You can even buy term insurance no load, and save a lot on premiums. You will not get the help of an agent, which may be worth something if they are very good.

The most important factor determining price is matching your particular health history with the company best suited for that niche. For instance company X might be best for smokers, company Y for cancer survivors, Company Z for people with high blood pressure, etc.

Secret #2: Ignore the hype on term versus cash value permanent insurance.

You can go crazy reading what everyone has to say on buying term insurance versus a whole or universal life policy. Big name websites give advice that I think borders on fraudulent. Simply put there is NO simple answer on whether you should buy permanent cash value policies or term insurance.

But I do think there is a simple rule of thumb – buy term for your temporary insurance needs and cash value insurance for your permanent needs. I have read in various journals and run mathematical equations myself which basically show that if you have a need for insurance beyond 20 years that you should consider some amount of permanent insurance. This is due to the tax advantage of the growth of the cash value within in a permanent policy. I am divorced and have taken …

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 …

Remember the bumper stickers back in the nineties that said “Kill Your Television”?

Well, based on all the over simplified economic news coming from the major networks, the financial networks and radio too-it’s something to consider again. No doubt, when the challenges of the current economy are studied in history, a major factor driving the psychology of the event will be the media.

There’s one problem with “mass media”, sweeping generalizations. The broad brush-the it’s everywhere approach-lacks specifics for each of our own backyards.

The result is that a lot of business owners experiencing a slowdown just say it’s the economy. Newsflash, there are companies that make millions of dollars in bad times. So, it can be done. Here’s how:

1. Focus on Your World

The news is a sweeping generalization and has no problem letting us think this is the way of the world. Take a hard look at the reality of your situation:

  • Are you still in business?
  • Are you in foreclosure or in danger of getting there?
  • Do you work in a failed bank or investment firm?
  • Is your industry of field lined up for a bailout?

If not, pay attention to what’s affecting you–not what the media says is affecting us. Do you work. Reposition your produces and services to meet your customers changing needs. Don’t sit on your hands and blame the economy.

2. Protect Existing Customers/Clients

When was the last time you communicated with them without trying to sell them something? Bad idea if it’s been longer than a few weeks. Get a newsletter or ezine going now and a minimum of monthly. Figure our ways you can start right now to show them how you appreciate them. Show them you solve their problems and don’t be a source of their worries or fears. Even better, start making them some great offers the boosts value so they continue to spend money with your business.

3. Install or Crank Up Referral Programs

New marketing is expensive and referrals are far easier and cheaper to get. Your customers are like seeds in an apple. You can focus on how many seeds are in the apple. Getting referrals is focusing on how many apples are in a seed. If your clients like you, then you’re good for the people they like. Make that point clear and get referrals–now!

4. Know Who Buys What

Not all of your customers or clients buy everything you have to offer. Start breaking down your list to who buys what. Now you can sell what they want easier, identify and right buyer for new business. Then create campaigns to cross sell to your client base. No time? List companies can do it for you. Does it work? Well, there has to be a reason Head & Shoulders has 9 different shampoos.

5. Fix Your Customer Service

When business was for the taking, customer service wasn’t very important. Now, a lax customer service is the room where your competitors will drive a …

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 …

A taxidermy business can be quite profitable as long as you have the right know-how. Many individuals will want their pets preserved, and hunters and fishermen will also seek out taxidermists to preserve their catches. Museums are also frequent customers if you’re really good at the craft.

Before starting a business, it is imperative that you have experience. Not many people will be willing to put their precious animals in your hands if you aren’t, even if you offer them a significant discount. If you don’t have experience, then take the necessary time to learn before you try to establish your business.

Whenever you start up any type of business, you will need to have a plan. You may be the best taxidermist in the world, but that won’t mean much without a solid business plan in place. It’s also a requirement to have good management skills and work ethics if you want to run a successful business. Also, you will have a very difficult time securing any financial resources without a plan.

Your taxidermy business will need to be setup in a good location. You will need to check the laws in your area, especially if you’re planning to run it out of your home. There may be issues with the local zoning laws to make this impossible. If there are issues, then you will need to find another suitable location.

Licensing and the associated fees will also be necessary. There will be laws regarding how you can run your business too. Depending on the state you’re in, you may be required to collect sales tax and send it to the state. Make sure that you find out all of this information before opening your business.

You will need to have competitive prices whenever you open your doors. The best way to find out what to set your prices as is to call around other taxidermy businesses in your area and ask them what their prices are. When you’re first starting out, you may want to charge slightly lower prices until you get more customers.

Networking will certainly help in this regard. As mentioned previously, hunters and fishermen commonly need taxidermy services. Therefore, consider reaching out to people in your area and see if they need your services. To get them on board, you may need to offer them a discount, especially if they refer some of their friends to your business.

With any type of business, you will need to get the word out to your potential customers. You will need to market your business aggressively instead of waiting for prospects to find you. Get yourself a listing in the phone book, and consider placing advertisements in your local paper.

It’s also a good idea to have a lot of business cards created and hand them out whenever you get the chance. Setting up your own website is a good idea too. You can use the website to showcase your skills so potential customers can see what you’re …

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 …