If you’re in – or want to get into – the training business, you’re going to face the challenge of determining how much to charge for your training programs. It can be a frustrating and intimidating process. Keep in mind that professions like physicians and attorneys, and yes, even plumbers, have widely varying rates. The training field is no different. You could get some guidelines from a professional organization like ASTD (American Society of Training and Development), or you could probably find some information online.

But here are some considerations and guidelines to keep in mind. First of all, fees are based on a number of factors:

  • your training subject (“commodity” training, like teaching a computer program, is cheaper than “soft skills” training, such as leadership development, that add polish and marketability to executives)
  • your experience and reputation (someone in the business a long time, with an established client list, and other credentials, such as a published book, will simply be able to charge more than a “newbie”)
  • the perceived value of your training results, such as whether your training delivers a measurable improvement in performance, such as mastering a new skill, versus just some book learning or “feel good” outcomes
  • what the client will pay (corporations with deeper training pockets won’t flinch at a fee that might turn away a smaller business)

While there are no set industry standards for fees, here are some guidelines you can use:

  • If you’re going to charge by the hour (probably not the best choice unless you’re going to do a lot of consulting or individual coaching), fees range from probably $50 to $500 an hour, based on all the factors listed above. You might offer a “quantity discount” for multiple-hour projects.
  • If you’re going to offer public seminars, where people register on their own to attend your program (in a hotel meeting room or your own classroom), then you’ll probably charge per person. Your goal is to fill seats, so your prices need to be perceived as a “bargain,” so lots of people will sign up. Common prices for these types of programs are usually something like $99 or $129 a person.
  • If you’re going to do your business with companies, it is probably the most practical to charge by the workshop. Depending on the nature of the program, the intensity of its learning environment, the audience it’s intended for, and the other criteria above, it could range anywhere from $500 to $10,000 a day. I’m guessing that $2,000 to $5,000 is the most typical. There are always some fixed costs in a workshop, no matter what its length, so a shorter session is going to appear proportionately more expensive. As well, the charge for a longer session will be proportionately less since the fixed costs are spread out over a longer time. So, for example, say you charge $2,500 for a day-long program. For half a day, you might charge $1,500 (more than half of the $2,500). For a two-day session,

A Loss Adjuster is appointed by an insurance company to manage and investigate claims. Insurer’s will use them for a variety of reasons such as when the claim is of a large value, complex or suspicions of fraud or simply because they do not have the internal resources to deal with the claim at that time.

There are a number of questions a Loss Adjuster is likely to ask you when investigating your claim. This will vary depending on the nature of your claim, however, there are some standard questions that they will ask including:-

  1. Personal details of those living at the Insured property – This will normally include residents names, dates of births and occupations and is mainly to verify who lives at the property and is covered by the Insurance policy. Occupations will give an indication as to whether the claim being presented is consistent with the Policyholders lifestyle
  2. How long you have lived at the Insured address and confirmation as to whether you own or rent the building
  3. Details on the property – for buildings, this may include things such as age of property, number of bedrooms, type of heating system This builds up a picture of what is actually Insured by the Insurance company, whether there are any property features that cause a higher risk to Insurers and also enables it to be established if the cover / sums insured taken out are adequate and that you are paying a sufficient level of premium (if not, this underinsurance can lead to a financial penalty on your claim).
  4. Details of previous Insurers (this is normally asked if your current policy has been in existence for less than a year) together with confirmation of any previous claims submitted within the previous 5 years. This is to check if you have disclosed previous claims when taking out the current policy – normally if there are concerns or if your policy is less than a year old, checks will be made via a national claims database called CUE – if any claims are identified that you did not disclose, this can lead to Insurers refusing your claim and cancelling your policy)
  5. Whether you or any persons living at the property have any CCJ’s, bankruptcy orders etc. This can cause an issue with your claim / policy in the event that it was never disclosed to your insurers (people with these are considered to be a higher risk to ensure and the Insurer if they knew may have refused cover or charged a higher premium)
  6. Circumstances regarding what caused the loss / damage This is to enable a picture to be built up of what caused the claim so it can be determined if policy cover is in place and also to establish if there are any concerns or if any Third Parties involved who may be considered responsible for causing the loss or damage ie: a neighbour
  7. What you did immediately following the incident ie: called a plumber. This is

Are you considering making a living (or at least a little money on the side) doing body painting? Is it even possible to make a living doing body painting? Yes, you can make good money as a ‘pro’ body painter, and even kids as young as twelve have made good money (like $500-$400 in an afternoon) doing simple painting techniques like airbrushed temporary tattoos at fairs and festivals.

It may be difficult to believe that there are so many different ways to make money doing body painting. I know that when I first discovered the art of body painting, I thought maybe you could make some temporary money at a party or fair. But there are many, many more possibilities, as you will see.

Here are just 10 of the ways you could get paid to do body painting:

1. Doing body painting at parties. You could hire yourself for a night or a day and get paid either by the hour or a flat fee for the event.

2. Painting party-goers before they go to a party or event. Themed or holiday parties would be a good opportunity for this. Make sure you mention that you could body paint their friends, too!

3. As a professional body painter for the theatre. You could do one show for a discount to get in the door and get some recognition, if you don’t have a track record yet.

4. Travel with the circus as their ‘in house’ makeup artist.

5. Become the official body painter for a dance company. Again, you could work for a low fee or even free to get in the door.

6. Face painting alone opens up several opportunities: parties, festivals, fairs, and special events all are possible places for you to set up shop. Just make sure (as with all these options) that you are using proper, non-allergenic paints meant for face painting alone.

7. Special events like graduations, celebrations, fundraisers, and reunions.

8. Sports events: painting fans in their team colors and symbols has had a long tradition.

9. Festivals around the world. There are several festivals specifically for body painting around the world, but there are many more that would be a great place for body painting. Look up the festivals in your area and find out how to become a vendor and what their requirements and rules are.

10. Teach others how to do body painting. You could hold a one-time workshop, give ongoing group classes or even do an online body painting course (as I am doing).

I hope this gives you some good ideas about how you could make money as a body painting artist. Maybe you have even thought of some ways that I didn’t include…great! Choose one method, research what you need to do to get started, and go for it!

Bonus Tip:

Here’s a secret hint…as you are considering one of the possibilities above. Don’t choose what you think would make you the most money…choose what you think …

The psalms of the Bible are a literary treasure chest of prayers for prosperity. Below is a list of which psalms to recite for common financial requests. In some Catholic and Santeria traditions, you say the prayer or write the prayer out after lighting a candle. You may also recite the prayer as many times as you want to transform it into a kind of a mantra.

Psalm 1: To disarm office gossips, discourage those who would harm your reputation

Psalm 3: To conquer fear of poverty

Psalm 5: To ask for a special financial favor

Psalm 6: To ask for mercy from creditors

Psalm 7: To ask that blocks to progress be removed

Psalm 8: To improve confidence, to bring customers to a business

Psalm 10: For encouragement, self-confidence and stamina

Psalm 11: For mercy, tenderness and compassion, to triumph over enemies when backed into a tough corner

Psalm 12: To over come gossip, bad rumors or attacks on reputation, to overcome anxiety

Psalm 13: To overcome anxiety, when backed into a corner

Psalm 14: To renew faith that the universe is unfolding as it should

Psalm 18: For protection of the home, deliverance from enemies

Psalm 19: To receive daily blessings, increase faith in the idea that the universe has a supply for every demand

Psalm 20: For a favorable verdict in court

Psalm 21: To increase one’s spiritual vibration to invite prosperity into one’s life.

Psalm 22: For deliverance from difficult financial situations, when you feel hopeless or backed into a corner

Psalm 23: For serenity, peace of mind and stillness of the spirit, to help access the higher self

Psalm 24: To calm disturbed thoughts, anxiety and still the subconscious and the spirit, relieve fears of the future

Psalm 25: For inspiration, to access the higher self

Psalm 26: For success in financial matters, to gain confidence

Psalm 28: To disarm adversaries, make peace with an enemy, invoke tenderness, mercy and kindness

Psalm 29: To raise your vibration, to purify the home

Psalm 30: For patience and acceptance of divine will, to understand that time brings what we need when appropriate, as a thank you for many blessings

Psalm 33: When feeling fearful

Psalm 35: For victory in a court case

Psalm 36: For when you feel cursed and for protection against the evil eye, to receive divine blessings

Psalm 37: To overcome jealousy, envy, resentment and disappointment, to become serene and still

Psalm 38: For protection in court

Psalm 39: For the courage to confront any problem, to conquer fear

Psalm 40: For the reinforcement of faith in God, to still the mind when you are feeling frustrated

Psalm 41: When feeling depressed or betrayed

Psalm 42: To reinforce the connection between your personality and the higher self; to open channels of opportunity

Psalm 43: For mercy when you find yourself in an unjust situation

Psalm 44: For mercy when you find yourself in an intolerable or unjust situation; to strengthen faith in God

Psalm …

The role of the business leader is both large and complex. There are at least 6 functions that will be undertaken, no matter what industry, sector or type of organization in which they operate.

1. Providing Overall Direction

Businesses need to be able to visualise where the business will be 3-5 years down the line. In theory, this process of creating the vision may appear simple. However, you need to be mindful not just of competitors but also technological changes, changes in tastes and your current standing in the market place to name a few.

2. Selecting the Right Strategies

Once you have the clarity on where you are headed in terms of your vision, you need to start selecting strategies to get you there. This might be viewed as the how you get from now to the future. It may be through acquisitions, expansion further back or further forward in the cycle, moving into new geographical markets or technological changes.

3. Making Things Happen

There is a careful balance that needs to be stuck, especially if you are at board level in a larger organization. You need to be able to make things happen without taking on all of the execution yourself. This might seem hugely simple to grasp in theory but is incredibly difficult in practice

4. Getting the Right Structure

The structure that you put in place needs to allow you to achieve the vision and execute the strategies. At the same time you need to try and keep it simple and not overly complex. The larger the organization, the more difficult this becomes.

5. Motivating Others

Having clarity on your vision is essential. One of the key factors that will determinates whether it is achieved or falters will be the ability of the leader to encourage and inspire those in the organization to make it happen. In any organization there will be a number of cynics who you need to convince.

6. People Development

If the organization is to continue to prosper, people development must be high on the agenda. The best organizations have processes for identifying the most talented people coming through and making sure that they are developed for major roles in the future. Ensuring that there is a continued stream of talent developed is a key factor in sustainable progress and achievement.

Leadership is a complex and demanding role. Gaining mastery in all of these common leadership functions is essential if you are to be a success. …

You recently lost your job and have been applying all over town for weeks or months trying to find and even better job than your last. Slowly reality kicks in and you start searching for any job, even one you hate, with the sole intention of finding something to help pay the bills. As the situation becomes more and more frustrating you slowly start looking at creative ways to make money from home. You begin by looking for something with ease of entry and huge upside. You consider house flipping and selling items on eBay. You do some research and soon find that you are not alone. Literally thousands of people are in your same shoes and looking at those ventures that they have seen or heard success stories of. You know the ones…the little old lady who made thousands selling beanie babies she found at a garage sale or the 18 year old that made 150k flipping his first house. The reality however, is that the vast majority of eBay sellers or house flippers don’t make the money they thought possible. In fact, most of them make very little, if anything because the competition is fierce and the experts take the biggest piece of the profit pie. That brings you to this article!

In an economy like the one we are currently in, creativity is a must. Get rich quick schemes that actually work are rare at best. To get ahead in today’s economy takes creativity, a good business plan and the will to make it work. Our answer…LIP BALM! You hear names like Chapstick and Burts Bees and your mind immediately focuses on the little stick that moisturizes your lips and fits conveniently in your pocket. The average person never considers the huge profits that can be made from such a small item but in this article we intend to open your eyes. We intend to outline a number of basic ideas that can turn that little stick into huge profits. Please keep in mind, all the ideas below on are based on buying Bulk or Custom Lip Balm from a company like Bulk Apothecary or any of the other dozens of lip balm manufacturer’s in the USA.

1. One great way to make it big in the lip market is to create your own custom lip balm line and market it the same way as Burts Bees or Chapstick. Burts Bees is the classic example of how someone turned a small idea into big profits. They started slow with the simple peppermint balm you know and love. They started selling it all over town. Slowly they built a loyal following and eventually with some added sku’s had a business worth over $900 million (according to the Clorox purchase price a couple years back). Not bad for something that gained momentum from a stick of lip balm. Now although this is the dream scenario, there are thousands of companies that are doing the same thing on a smaller …

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.…

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.…

You can start your own business, and be your own boss, and work your own hours, when you are building and maintaining water ponds and garden ponds for yourself. You can start out building small ponds, and work your way up to bigger, more fancier ponds. You can buy small water ponds at some home improvement stores, and you should be able to find enough accessories, to start your own pond business.

You can also go all out, later on, buy having your own tractor to use to dig out the ponds. You can rent tractors and bobcats to dig out large ponds. For extra large ponds, you might even need a crane. But most average size ponds, can be done by hand, with a shovel, or several people digging at once. You can buy pond liners, and materials, from local suppliers, you can find in the telephone book, or on the internet. You can pick various rock designs, to form your pond. As with any pond, your imagination is the only thing stopping you from building a beautiful pond.

The pond business can be a form of art, as no two artists, will view the building of a pond the same way, you don’t really want to build your customer a square no frills pond. You want to think about it, and create a piece of art, for your customer, and that is how you should think of it. People love ponds with Lilly pads, goldfish, water fountains, etc. You can make good money putting in nice ponds.

You should take a picture of each pond job you complete, so that you have a nice portfolio to show potential new customers. You should make up fliers, and pass them out to landscape suppliers, home & garden stores, hardware stores, nurseries, feed supplies, and more. You can offer them a commission, or lump sum payment, for any pond jobs that they send your way, and you do. You should have nice signs on the side of your vehicle made up, saying you build ponds. You could take some digital pictures of some of your completed jobs later and print them out in color, and turn them into magnetic signs, to also put on your vehicle as a sales pitch, and a picture is worth a thousand words, they always say.…

Waiters and bartenders may find that they have a particularly hard time when it comes to saving money. After all, it seems that cash-in-hand (or wallet) is spent faster than cash in the bank and waiters and bartenders receive a large percentage of their salary as cash tips.

How then can waiters and bartenders learn to save money? Saving money requires discipline, no matter what your occupation. However, these few tips for waiters and bartenders to save money should help put you on the right path.

Stop at the bank on your way home. The wisest thing to do is to get rid of that cash that's burning a hole in your pocket and put it into the bank where you are less likely to spend it and it can earn a bit of interest. If possible, try to select a bank that is on your way home to make this process easier. If you have to go out of your way, you're less likely to do it.

Put it in a locked piggybank. Of course, you'll need to be able to get your money out sometime, but you also want to make it difficult to spend. Create a piggybank that's hard to open. For example, you may want to take an old shoebox, cut a small slit in it, and wrap it in duct tape. This way, it's easy to get your money in, but hard to get it out. When the box feels heavy, take it to the bank and deposit it all at once.

Use the envelope method. This works particularly well due to the amount of cash that waiters and bartenders tend to carry. Create a monthly budget for the different things that you need – rent or mortgage, utilities, entertainment, savings, and so on. Give each category an envelope and put your money into each envelope when you come home. You can only use the money in the envelope for its intended purpose.

Eat at your restaurant. Including saving the cash that they get in tips, waiters and bartenders can often save money when they eat at the restaurant they work at. Restaurants typically offer employees a discount on purchases. Since food is a big charge for most people, this discount can quickly add up. If your food options get boring after awhile, try trading with a worker at another restaurant. …