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Tag: Finance

Teddy Bear Grief Healing

If you are wanting to understand and heal your grief, if you want to find new purpose and happiness in your life “Teddy Bear Doctoring” is not your best option. Healing from horrendous grief and loss requires much more than sticking a thermometer in a Teddy Bear and playing doctor.

When faced with dreadful grief “what to do” and “how to do it” are gigantic questions. As you mourn you feel torn apart; you have special needs. You feel helpless and indecisive and hope is fleeting. I am truly sorry for your sorrow and loss.

Reaching beyond Teddy Bear treatment for grief relief requires other more beneficial care. Important action-oriented tips will help you move beyond your grief and loss and find new peace and joy.

Seek Valuable Support

It is my sincere hope that you have available the very best support from others. As you begin to work through your sorrow you will find the need to seek and accept support. In addition, you must be compassionate, and true to yourself, to begin nurturing your healing journey.

Reconcile Your Grief and Heal

Reconciling your grief is necessary for the healing is in the reconciling of your loss and sorrow. Having the courage to care for your personal unique needs will help you discover the new you and begin a fullness in living a happy life.

Your Best Alpha Actions

Certainly, horrendous grief and sorrow bring volatility into one’s life. Unwanted and often unexpected grief and loss happenings highlight how volatile your personal life can be. In order to stop grieving and start healing, first order of personal preference should be your best alpha actions. To maximize your inner happiness, peace and empowerment to heal, your alpha must be your preferred actions.

Your alpha actions should lead you from sorrow and misery to happiness, peace and a fuller life. Decide what alpha actions should lead you from sorrow, misery and loss to happiness, calm and joy. Turning grief, loss and sorrow into healing moments – one transformation breakthrough at a time – should be your true alpha challenge.

Begin Today

“To get up each morning with the resolve to be happy is to set our own conditions to events each day. To do this is to condition circumstances instead of being conditioned by them.” ~Ralph Waldo Emerson

Some wait thinking if they hibernate that in the spring they will arise and be healed. Although it may be necessary for you to take a brief hiatus from your devastating sorrow and loss, simply waiting is not a useful option. You must be proactive in your efforts to find new happiness. Take time today to brainstorm all the things you think you can do to bring happiness and peace into your life. Take time to write down the four actions or steps you could take to move to a better place in your life. Decide which if those steps you will take here and now.

You Are Stronger Than You Think

“When …

The Advantages And Disadvantages Of 3rd Party Motor Insurance

Insurance coverage is some of the best tools available when it comes to risk management. Understanding 3rd party car insurance is essential if you wish to learn about the pros and cons which go along with it. This article will talk about the definition of third party auto insurance as well as the pros and cons that come with it.

Understanding 3rd party car insurance

Third party auto insurance is also referred to as liability coverage. These terms are used to describe a kind of insurance which will pay out a certain settlement to 3rd parties if your vehicle should be involved in an accident. Many countries have laws in place which state that is the minimum quantity of insurance coverage that all car owners need to have. This is because 3rd party car insurance will pay for any and all damage to a third party’s property that is a direct result of any sort of accident involving your automobile.

Various insurance providers have different deals available with regards to 3rd party vehicle insurance. It is up to you to determine which package and just how much coverage will be the best choice. If you choose a low amount of coverage then you may find yourself in a situation where your insurance policy doesn’t cover all costs related to damage to a third party’s property. However, high coverage limitations can cost you a great deal more in monthly premiums.

The Pros Of Third Party Vehicle Insurance

The biggest pro of getting third party vehicle insurance coverage will be the proven fact that you would be financially protected in the event that you are liable to pay for damage inflicted to another’s property as a result of an accident. Your insurance company would settle the total amount owing. If you did not have third party insurance you would then be taken to court and would need to pay for all damage from your bank account. Many people don’t have this kind of cash readily available.

The Disadvantages Of Third Party Automobile Insurance coverage

There’s truly only one notable disadvantage or downside when it comes to third party insurance coverage. This is the fact that many car owners feel like they are paying for something they will never make use of. Actually, numerous car owners are lucky enough never to require this insurance coverage. However, one cannot know when something like a collision or car crash will happen and therefore, you always need to be prepared if you wish to safe guard your own financial situation. In the event that a separate 3rd party car insurance policy is working out to be too costly every month then you should consider shopping around for an umbrella policy. These policies are comprehensive and are made up of some different types of insurance policies but because of the fact that you are opting for a package deal, you’d benefit from a huge saving.

The advantages that come with 3rd party car insurance policies far outweigh …

How To Ask A Lottery Winner For Money

Are you in need of money? Perhaps you just want more money. Either way, you might be considering asking a lottery winner for money. If so, you would probably go about asking in different ways, depending on whether or not you actually know the person.

If You Know The Lottery Winner

Let me tell you a true story about two women. These two women were best friends for many years. For one reason or another, they drifted apart and didn’t see each other for a few years. Then one of the women won the lottery. It was a massive jackpot worth hundreds of millions of dollars. A few years after she won the lottery, she re-connected with her old friend. Within days of re-connecting, the one woman told the jackpot winner that she had $50,000 worth of medical bills that she just couldn’t pay. Read between the lines – She was indirectly asking for money.

The jackpot winner was more than happy to pay the medical bills for her friend. She told her to just give her the bills and she would take care of it. That would have been great, except that there actually were no medical bills. It was just an excuse for a reason to ask for money. The lottery winner didn’t like that. If the friend just straight out asked for the money, she probably would have given it to her. But her friend lied and insulted her intelligence.

What’s the moral of this story? If you have a friend that won the lottery, don’t come up with a false story to try to get some money. Rather, just ask you friend straight out to give you some. They just might do it.

If You Don’t Know The Lottery Winner

If you’re planning to ask a lottery winner that you’ve never met for money, you should know up front that the odds are against you. A lot of lottery winners, especially new ones that win massive jackpots get inundated with requests for money. Often, those requests come via sob stories that tug on the person’s emotions. You should know that these new lottery winners quickly become immune to these requests and tune them out.

So if you’re planning to ask a stranger for money, don’t come up with sad stories. Just like in the previous example, tell the truth and just say that you’d appreciate it if they could spare some money. They’ll more than likely decline your request, but don’t take it the wrong way – Jackpot winners can’t give money to everybody that asks them for it. Just make sure that you don’t harass anybody while asking them for money – That’s illegal.…

The Watchdog of the Indian Markets – SEBI

What is the SEBI?

SEBI, which is a revision for Securities and Exchange Board of India, which has functions similar to the SEC or Securities Exchange Commission in the USA. In other words the SEBI regulates the working of the financial markets in India, vis-à-vis investor protection and laying down of ethical standards for the working of the financial markets in India. This is why SEBI is also called as the watchdog of the Indian Markets. There have been many instances where SEBI has acted in the interests of the investor by preventing insider trading in various companies in the equity markets. Similarly there have also been cases when SEBI has acted in the interest of the small investor in the Mutual Fund Industry.

What is the mutual fund industry?

The origin of this industry in India is with the introduction of the concept of a mutual fund by UTI in the year 1963. Although the growth was slow at that time, it accelerated post 1987, when the non-UTI players entered the industry. Not everyone can time the equity markets as well as some investors do. For the benefit of those unfortunate investors who can not, there is the mutual fund industry. This is an instrument which invests in equities on behalf of the individual investor so as to maximize his gains. A mutual fund is a vaulted of equity investments which are done based on exhaustive research and development. This research and development is carried out by the asset management companies of the mutual funds. They are also called as AMCs. The product portfolio of these funds contains investments in equities which would yield good results over a period of time. The mutual funds are rated by various rating agencies. This rating is carried out by the agencies like CRISIL, etc. These funds tend to hedge the risks for the individual investor so as to minimize his losses. At times they may also concentrate on one particular sector.

Role of SEBI

The SEBI was first established in the year 1988. At that time it acted as a non-statutory body for the regulation of the securities market. In the year 1992, it became an autonomous body with independent powers. Through the passing of an ordinance, more powers were given to the SEBI. Now it independently regulates the securities markets with its independent powers.

The main objectives of the SEBI are as under:

  • Develops the securities markets
  • Promotes investor interest.
  • Makes rules and regulations for the securities markets.

As far as the functions of SEBI are concerned, it follows the following functions:

  1. Regulates the securities markets.
  2. Checks trading of securities
  3. Checks the malpractices occurring in the securities markets.
  4. Enhances investor knowledge, with regard to the markets by providing education from time to time.
  5. Regulates the stock-brokers and sub-brokers
  6. Promotes research and investigation.

SEBIs introduction of the SEBI (Mutual Fund Regulation) 1993 was established to have direct control over the mutual funds for both the private and the public sector.

2 CASES

Evil Ways Of Making Money – What The Rich Won’t Tell You

‘Evil ways of making money–what the rich won’t tell you’ declares that you need not be physically aggressive to make millions. You just have to be emotionally aggressive.

People who use their fist to get their way always end up charged with rape, thief, and all round fraud. Their bestiality makes them poor and unhappy. But those who have intense deceptive emotions look innocent but deadly. They are charming polite people intentionally presenting an exterior of innocence but they are exploitive. Their crime is not a crime though it could be a sin. They are not stealing, but borrowing, only that they won’t give it back.

The book is a practical and profitable money making guide that looks at the world of deception, corporate racket, and shows that there is hardly any activity, any enterprise of the super rich that is not tingle with evil. The rich have embraced the biggest risk that the poor dare not venture. Righteousness is seen as a tie and a hindrance hence the more honest you are, the less likely you will be rich. Frankly, there’s no way, on the basis of your salaries and allowances from the day you graduate, that you can be a millionaire, least a billionaire. It is impossible, except by embezzlement.

Poverty is the greatest illness man has ever suffered from. If you are fed up with poverty, you need to delude others, play on the ignorance of financial institutions, utilize the weakness of the law, create an illusion, bribe your way, and manipulate anything and everything to your advantage. It’s a never play by the rule, never pay in cash, never tell the truth game. You must genuinely and sincerely fake honesty. Have no conscience, no guilt, no sense of remorse, for money is made with debt, tax games, paper shuffle, arrogance, and wild and unpredictable swings.

Don’t waste your time building your resume, download the book free at [http://www.oxcheck.com] and learn the trick that works for achievers. When you read this work, your only regret will be that you didn’t see it early.…

Why is Customer Loyalty Important to Your Business?

Whether you own a mom and pop corner shop or a worldwide software consultancy, customer loyalty is very valuable to you. Customer loyalty can be loosely defined as the predisposition of any given customer to purchase your goods or services over comparable ones available in the marketplace. When speaking of products (rather than services or the broader classification which includes both) it is often referred to as “brand loyalty.” Investing time and energy in promoting customer loyalty should be an integral component of any business’ marketing strategy. When business people think of “marketing” in general, they tend to focus on activities targeted at attracting new customers. While expanding your business’ customer base is a crucial undertaking which you must work towards with clearly defined goals, the importance of retaining existing customers mustn’t be overlooked. Working toward promoting customer loyalty (or brand loyalty) is critical to your goal for many reasons. A few of the most important reasons why customer loyalty is important to your business are outlined below.

Repeat Business

Loyal customers, almost by definition, will purchase your goods or services again and again over time. Depending on what type of business you have and what the sales cycle is like, you may end up selling more to one loyal customer in a year than you might to even 10 first time customers.

Greater Volume

As you build relationships with your loyal customers, it will become increasingly easy to sell to them in higher volumes. This may happen naturally, or you may choose to incentivize the process for your customers. In any case, higher volumes mean greater sales, which translates to higher overall profits.

Cross-selling Opportunities

Customers who exhibit brand loyalty have a relationship with your business. They trust you to provide quality products and customer service. This creates a great opportunity to fulfill more of your customers’ needs than the traditional ones you currently meet. What does this mean? You can make sales to loyal customers across product lines and thus increase your overall sales volume without needing to focus so much on attracting new customers.

Protects You From the Competition

The more loyal your customers tend to be, the safer you will be from the draw of the competition. Establishing strong brand loyalty can make you practically immune to competitive forces. This is especially important in places where new players enter the marketplace often.

Word-of-Mouth Marketing

Loyal customers can also bring you new customers. Customers that have great relationships with businesses tend to talk about it. Happy and satisfied customers who keep coming back to you are very likely to refer others who may need your product and/or services.

Benefit of the Doubt

Let’s face it; things go awry sometimes – even in the best businesses. Sometimes we get an order wrong, don’t meet a deadline, or aren’t able to deliver on promises made to customers. In today’s economy, it’s even easier for little hiccups such as these an others to take place in business. These types of …

Why Businesses Fail Without Accounting Finance Help

To succeed in the business world is tough and especially if you are not too familiar with the different strategies which are needed to make a business successful. Accounting finance, bookkeeping, promotion, marketing, production and manufacturing are some of the strategies that you need to undertake for running a business successfully.

Accounting finance is something that any business needs to seek help with. If you are running a large scale business, there is no question that a separate department or outsourcing is needed. If a person is running a small scale business, they may be able to handle the accounting finance work themselves, but background knowledge is a must. Attempting to calculate these figures can be very time consuming and frustrating if the education or skills are not possessed.

Accounting finance will service a business by keeping a proper record of all the financial aspects of the business. Each business needs to keep a record of all the fiscal dealings that they do on a daily basis, as this is the only thing which will help in determining how good or bad the business is doing.

Often it happens that the person handling the accounting finance or the financial aspect of the business does not make it a habit to maintain all the financial records consistently, especially the small transactions that are done on a daily or weekly basis. It is very important to have all the things documented and it will be best if these things are written down because they are quickly forgotten.

Now accounting finance help is something that you cannot avoid and so you must make sure that you get the best professionals to do the work for you. There are many well-known firms that perform excellent accounting finance. Using a true army of dedicated, experienced personnel such firms have the capacity to deal with various financial accounts, engaging in bookkeeping and income tax services. The benefits of outsourcing the accounting finance helps in every aspect of a business, and this is the reason why there is a large surge in the number of business owners and entrepreneurs opening up to the idea of outsourcing the work.

The experience of professionals can help people understand and maintain their financial records in a more effective manner. With accounting finance services, one can learn the true basis of accounting and benefit from an advantageous tax system suitable for corporations. Their intention is to use all the available resources and trained staff to help deal with issues such as audit and budget possibilities. Using such a service, greatly assists in accomplishing a company’s clear objectives.

The strategy, which will be needed for maintaining the accounts of your business properly, is different for every business. Therefore, the professional who is offering accounting finance help to your business must make sure that he is fully aware of all the different aspects of your business. Then based on that, decide what will be the best way to handle the accounts and finance …

How Significant Car Insurance Quotes Are

Planning to buy car insurance is really just easy but the situation is how to select the correct company. Some people have no single idea regarding how to do it while some are simply confused on which among the businesses should they go for. A lot of companies are there too which provides assorted interest rates. So the smartest thing to accomplish here is to collect lots of auto insurance quotes so it is also possible to match them. This way, choosing probably the most perfect insurance policy for the car could be done smoothly.

The best venue for clients get started on with these auto insurance quotes is nowhere else than the internet. A lot of insurance firms have created their websites which give and explains important information that revolves around their insurance policies. In order that you can lessen the doubts, you need to visit online companies that have reigned success for consecutive years. It is vital to choose those who have gained popularity and whose reliability will not disappoint you. Definitely they really are the safest and most perfect choices for auto insurance.

Once you visit their websites, it is also possible to come upon a web based insurance quote form that you are required to fill out in order that getting your quote from the company will likely be done. All you should do would be to type in some essential information that talks about yourself such us your name, address, etc. Right after filling out the form, the auto insurance quote will show up in a blink.

Aside from making use of the internet to know your auto insurance quotes, it is also possible to get them through approaching a good car insurance company. This step obviously requires you to exert effort making sure that requesting for the quote shall be done. Just exactly the same as what you are likely to do in the internet, you are likely to fill out a vehicle insurance quote form and supply some basic information. You will receive your quote once the company will post it. However, gathering car insurance quotes with the use of such step is indeed time consuming and you may not have the capacity to gather a lot. That is the main reason why the majority prefer to go online as compared with exerting too much effort without even getting assured.

You have to be aware of that vehicle insurance policies are not guaranteed by any auto insurance quotes. It only provides the chance to get an estimate with regards the car insurance policy. Gathering quotes gives you the chance to check them and you are required to select the very best among the businesses which provide the best interest rates.…

BCIN? Difference Between Designer, Architect and Engineer According to the Ontario Building Code

As I meet with new clients and friends every day, I commonly hear the same questions "What is a BCIN?" "When is a BCIN required?" Etc. Here is some clarification to the public on some important issues about choosing a company to provide you with plans. Please note that this information applies only in the Province of Ontario.

What is a BCIN?

A BCIN stands for 'Building Code Identification Number'. This number is assigned by the Ministry of Municipal Affairs & Housing, to successful applicants who have completed the requirements outlined in Division C Section 3.2 of the Ontario Building Code. There are two distinct types of BCIN number, individuals & firms. Individuals are people who have completed the exams and have received a BCIN from the MAH; However, they do NOT carry any insurance. As a result this limits the types of projects that the person can do. Firm BCIN's on the other hand MUST carry valid liability insurance, and depending on the amount of designs fees that a firm charges in a year will dictate the required amount of insurance coverage they must have. Insurance is expensive but it is there to protect you so avoid working with companies who do not have it. For most people, a home is your single largest asset; Do you really want to get plans from someone without insurance?

How do I know if I am choosing a registered company?

The Ministry of Municipal Affairs & Housing provides a database of all registered BCIN holders. The registry is available through a system called QUARTS. Once on the Public Registry, this system allows you to search by the individual's name, the company's name or the BCIN #. Once you have found a business or individual, it will bring you to a page with details on the company. It lists the mailing address of the business & contact details. At the bottom it should also show the Registration as 'Registered Designer' and the Status as 'Current'. If it shows up as 'lapsed or expired' then this means that they either do not have valid insurance for that year, or that they are late in filing their paperwork.

Do I need an architect or engineer for my project?

Probably not! There have been massive changes to the system in the last few years, opening the doorway for a new title; Designers. Architects & Engineers are NOT required for any project less than 600m² (6,458 sq.ft.) and less than 4 storeys. For most residential and small commercial projects, you do NOT need an architect or an engineer. However, and this is important, if the project involves certain structural modifications, an engineer may be requested by the municipality to review the plans. On this note, there is a BCIN exam which will supersede this requirement! If your design company is a registered company in the Category of 'Building Structural' then they can complete the plans.

When do I need a BCIN 'stamp' for my project?

Depending on …

Life Insurance Closing Techniques – Boost Your Closing Sales

Life Insurance Closing Techniques

If you were expecting another one line sales pitch to be written here, you definitely will not find it. Life insurance closing techniques have very little to do with sales pitches at all. The whole say this and all of a sudden you will get this kind of reaction from your prospect sounds like a crush sale to me.

If it ever came down to you giving a sales pitch, you are either trying to salvage the sale, or you are not in true communication with your client. Think about it, you are solely relying on some outdated script or pitch that was written who knows how long ago. Wouldn’t you rather know how to not perform a sales pitch and still close a deal?

I am one of those individuals that likes to know how things work. For example, if a doctor just ran some pitch on you, but he really didn’t know the science of his own work would you go with that doctor? I didn’t think so. The same concept goes with life insurance closing techniques, if you do not know the science of truly closing a deal, then why look for the quick way out.

This brings me to my very first point, you are in this business to sell yourself, not your products.

Life Insurance Closing Techniques – Always Sell Yourself

What exactly do I mean by “sell yourself”. A lot of individuals hear this but very few actually understand the science behind it. I am going to try and put it into the best perspective for you. Think of a time when you wanted to buy something, like a TV or Car. Do you remember the individual that you dealt with during the course of the sale? Maybe you do not remember his or her name, but you can definitely remember if they were knowledgeable, kind, informative, and helpful. Now, do you remember the guy you did not buy from?

What were the reasons you did not buy from that individual? Maybe he did not help out, he might have been rude or even ignored your questions or concerns about the product you were wanting to buy.

The reason why you did not buy from that individual, was because they did not sell themselves. Even though it was the same product, same price, same warranty, you still did not buy from that individual. Life insurance closing techniques are about getting to know your client.

They will not buy from a stranger, so you turn them into a friend. Friends have trust, and trust is what will get you the sale. The client must trust you with their money. If you are just out there doing some sales pitch about some product but have not really gotten to know who you are sitting across from, you are literally hiking up hill to close that deal.

Life Insurance Closing Techniques – The Sales Presentation

After you have gotten to know your client, …