personal

My personal development journey started around 2008 when I got involved with network marketing or multi level marketing business here in Singapore. (I started this blog around May 2009) This was further reinforced when I was exposed to Jim Rohn's philosophies. From then on, I have lived by his philosophy on "Work harder on yourself than you do on your job." This changed my perspective in life as day by day, I got excited in developing my skills in communication and building relationships. I was a voracious reader of books and a student of life and people. Another related philosophy by Jim Rohn, "Formal education will make you a living; self-education will make you a fortune." I believe this is true and that's why I was committed to a never ending personal development.

Here are some benefits that I have experienced:

  1. Direction – Before I just let the days passed by, but now I make sure to learn from the day. I've learned how to set goals and priorities in life to distinguish minor and major activities. It helped my personal responsibility to take charge of myself instead of engaging in petty discussion about whining, blaming, and excuses.
  2. Self-esteem – I've learned to love myself and feel good about myself. Itave me a sense of confidence to achieve things that I set my mind to. This is where I learned to shape my values, beliefs and philosophies.
  3. Association – it helped me connect to like minded positive people. The law of attraction really works as I was able to meet highly successful businessmen, entrepreneurs, best selling authors, and life coaches both offline and online. My attitude is greatly shaped from the influence and association of people with high values. Get around people who have something of value to share with you.
  4. Relationship – Aside from a better relationship with myself, my relationship with my family and friends dramatically improved. I've been always consistent to say "I love you" to my wife and my son. You see, if I improved myself ten times, imagined how much will it affect my family and friends. It was so inspiring to hear from friends that I was able to help them with their lives. I tend to listen and be more interested than talking a lot.
  5. Discipline – I must say that this word bridges the gap between goals and accomplishment. A good example is a practice of a healthy lifestyle. I developed a conscious thought about the food that I eat, or a regular jog around the block, or an aerobic exercise in my room.
  6. Spiritual – Most of the personal development or motivational experts that I listened or read to, have a strong faith in God. They even used the bible in their teachings. What more, joining a religious community even increased my faith further.
  7. Integrity – I am still a learner in this field yet it is the most important of all values. Trust is based on integrity and being able

Auto Insurance Policies and Auto Insurance Companies vary greatly within the industry, but there are often a few common factors among most insurers that play an important role in determining how much you pay. This article is a guide to helping you understand some of the common factors that go into Auto Insurance to help you find a better quote.

First, be aware that auto insurance quotes vary widely from company to company. There are a few reasons for this:

  • All Insurance policies are not created equally: Typically, you get what you pay for. There are higher quality policies that cost more.
  • Some policies automatically include the bells and whistles as well as extra services that some of their competitors do not provide.
  • The quality and efficiency of the insurance provider: The more cost efficient the insurer is at handling their business (sales, claims, actuarial accuracy, selection of the insured, etc) the more affordable the insurance is. Usually 'big-name' insurers are the most efficient with their funds.

This is why is it so important for you to shop around for the auto insurance policy that is right for you.

Pricing Factors

Factors that may affect the price you pay for auto insurance coverage that are common amongst insurers are:

The Policy you Buy

  • How many coverages do you buy?
  • Of the coverage, how much do you want?
  • How much is the deductible you are comfortable paying?

The Car you Drive

In General, the more expensive the car, the higher you will pay for coverage.

What you use your car for

Generally, insurers require higher premiums for cars that are more at risk or susceptible to damage or occupant injuries.

  • Do you use your car for work? What line of work are you in? If your car is exposed to more risk of damage you may end up paying more.
  • Where do you drive your car? Because vandalism, theft, and accidents occur more often in small towns and rural areas, these drivers will pay more.

How much you drive

Long distance commuters generally pay more because they are exposed to more risk of accidents.

Your driving record

If your record is spotless, expect to pay less than someone who is accident pron.

Your age, sex, and marital status.

Accident rates are higher among younger and older individuals. This is especially true for single males under the age of 25.

Your Credit History

Insurance companies use your credit history as a predictor for future auto insurance claims. A better credit history generally means paying less.

Discounts

Be sure to ask for discounts if you are:

  • Insuring more than one car
  • Accident Free
  • A good student

There is nothing more convenient that affordable car parks at area airports. In fact, these venues play a pivotal role in most passenger arrivals and departures. When it comes to finding the right venue to meet your needs, you have to decide whether you want to park your vehicle inside the terminal or outside. No matter which option you choose, you are guaranteed timely and professional services across the board.

Terminal car lots tend to cost a bit more than those outside and adjacent to the airport. However, these services offer the same security and protection as outer lots. This includes camera surveillance day and night, along with security guards and even infrared alarms. Inner lots also offer vehicle maintenance for upon request. This, of course, is for passengers that will be traveling on extensive holidays or business trips.

Outer lots are surely a lot cheaper than terminal parks. In fact, these venues are considered economic parking, which may not include all the amenities as premium lots. However, shuttle services are available around the clock. This ensures all passengers make their flights on time and without any hassle or aggravation. Outer lots are known as park and fly in the industry, and are extremely convenient for all domestic and international passengers.

Some lots offer premium maintenance services for extended stay cars. This includes checking the battery, along with tire pressure. Passengers, of course, will have to leave their keys with local attendants. This does not mean that these professionals will abuse or drive your car around at will. This is against the law, and all vehicles are monitored by central dispatchers and command.

Airport car parks continue to soar in global popularity. From Intercontinental Airport in Houston to London Heathrow, these venues are designed to facilitate countless vehicles. There are always handicap accessible spots available, along with plenty of room for large vans, buses, trucks, SUVs, and even motorcycles. If requested, covered parking is available as well. These are great for passengers that do not want their cars being stained by torrential downpours and storms.

Passengers requiring immediate pickup and drop off can call in ahead of time. If there is enough room, they may be able to secure convenient spaces next to shuttle pickup. Local drivers drop off passengers to all domestic and international terminals. While it is not a requirement, tipping the driver is a great way to say thank you for his or her prompt, timely and professional services.

With convenient automobile parking, you never have to worry about missing your flight. In fact, if you are running a few minutes late, the lot can arrange expedited shuttle services to your terminal. They will even contact the terminal and air carrier that you are on your way. This is truly the best way to fly without worrying about finding parking spots close to the airport.…

The amount of car insurance you require will depend on several factors. The value of your car, whether your vehicle is financed or you own it, the age and type of car you own, and the state you will in will factor in determining how much insurance you need. Another reason you may require more insurance is if your car has enhancements added that were not put on when the car was manufactured.

If your vehicle is new and in top condition, full coverage insurance is the best bet if you own it outright. This will cover the cost of providing the money to purchase another car in the same condition should you be in an accident that totals your car. Most finance companies require you to carry full coverage insurance. They like to make sure they will get the amount they lent for the purchase of a car back should it be totaled in an accident. If you own an older car, liability coverage is the best way to go. This insurance will prevent you from being sued in the event of an accident that is your fault and there are injuries that need to be compensated. It is a good idea to carry more than is recommended because, in the event of an accident with injuries to the other person, the minimum may not cover all of their injuries and, if not, they will rarely come after you to collect the reminder . There are only 4 states at the present that do not require any type of insurance.

If you have had anything added to your vehicle, such as stereo systems or expensive wheels, you should add insurance to cover these add-ons in case of theft. Comprehensive insurance is usually required by finance companies and covers a variety of damages such as wind damage, falling objects, fire, flood, etc. If you are an antique car buff, you will want to insure your car to cover the replacement value. Using your car for business may require that you carry more insurance than you typically would. Basically, the price and the amount of coverage that you carry will be governed by the insurance requirements for the state you stay in and whether you want or feel you need extra insurance above what is required for your vehicle type. It is best to find out what requirements your state has and what you expect to be compensated for in the event of an accident.

According to car crash statistics there were 6,420,000 auto accidents in the US in 2005 with a financial cost of 230 billion dollars. Nationally, a vehicle theft occurs every 27 seconds. …

Work, leadership, institutions and culture are interrelated and integral to positive psychology. All people tend to identify themselves with work. People even introduce other people, such as: "She is Mary, a psychologist." If people do not work and do not make money, their self-esteem decreases. Work adds or does not add purpose to life. Work, whether it is paid or not, is a big part of life. Even if people were financially free, people would still do something with their time, after getting all the fun and travel out of their system. Therefore, happiness at work transfers and contributions to people's life happiness. Work naturally shapes people's network or circle of influence, as humans like to group up with people who share commonalities with their work, industry, and professional experiences.

Furthermore, studies show that satisfied workers have higher work titles than unsatisfied workers. Employers like high energy workers as they are effective, accomplish tasks in less time and do not use sick days. Most coaches agree with Myers' findings, as they see these results in the organizational coaching they conduct. Workers, who live chaos free, stay organized, accomplish tasks in less time than workers who are not disciplined, and are chaotic. Everyone can think of a time when she or he has become overwhelmed, as a result of too much work, and can not function and think intelligently. Individuals can also think of times when they were not stimulated at work; their work was repetitive and meaningless. Studies have shown that the workers who thrive, are the ones who are continuously challenged in meaningfulful ways, so work can become fun and play.

Karl Marx pointed out the importance of self-expressing yourself at work, for work satisfaction. Also, there has to be value in what people do. All jobs are necessary and each person needs others to be able to work and live. A vital skill is being able to transform perceived threats into healthy challenges. Another way for work and life happiness is to live intentally and take charge, versus reacting to what the universe may bring us. It is important to set intentions. Wellness overall depends on mindful challenges.

In addition, using the principles of Positive Psychology, people can design positive intervention to achieve goals, including work and organizational goals. The success of workers depends on motivation and maximizing own potentials. People accept changes conditionally, depending if it makes sense to them. Gradual changes are more successful than drastic changes (Aspinwall and Staudinger 2003). Often people who implemented changes have little understanding of psychology, and, if they did, not only changes would happen more smoothly, but organizations overall would be more profitable. It is the duty of psychologists to educate organizations about the psychological principles governing companies that are made by people!

Politics, economics and society as a whole, need psychology as well. Aspinwall and Staudinger encourage the introduction of science markets, where psychologists bridge other -non psychologist- professionals and psychology. This way, solutions could be formulated together, thanks …

One of the areas where you can leverage your Personal Power and achieve great things is your professional life. Let us think about the sources of power within a corporation or any business. There are really three sources of power in the business world.

One source of power within a corporation is position. If you are the president or a manager of a certain level, you have position power. Your position gives you the power to make key decisions within the organization that other people have to carry out. So, that is position power

A second type of power is expertise power. When we say expertise power we are talking about someone who possesses unique knowledge or a specific skill that sets them apart from others. This particular knowledge gives them power They have the ability to sway the organization because of expertise they have, real or perceived.

Think of some examples of people you know within your organization who have expertise power If you really think about it, almost everyone has expertise power from the mail clerk who brings mail around to the vice president of research and development. Everyone has expertise power Everybody has something they know or do, that gives them leverage or can give them leverage in a situation, and therefore gives them expertise power

The third type of power within a corporation or business is Personal Power. It is the type of power that puts juice into the other two powers. It is the type of power that enhances, that creates, that supplements, that in fact can substitute for the other two types of power On the flip side, if you have both position and expertise power and you have little Personal Power you will detract veryly from your ability to influence the organization. Personal Power is about self-mastery and self-confidence. Personal Power is about control over self and how you use that control over yourself to influence others.

Personal Power allows you to achieve instant respect, make dynamic presentations and will help you achieve the elusive thing called "charisma." It will also allow you to be more effective in your job and your personal life.

© 2008 Darryl L. Mobley …

If you are reading this article, you are among the millions of people worldwide who are searching for ways people with no money can make easy money online and a better life. How do I know this? Because you have come to the realization that the more money you have, the better life you can create for yourself. If you have enough money you can pay your debts down, buy a home, buy a car, travel, put money away for retirement, save money for your children's college and so much more.

Without plenty of money you might find yourself in debt, following multitudes of bills. Without a reliable source of income you can not take care of your loved ones, feed them well and provide such simple needs as clothing, school materials and and more.

Fortunately there are ways for people with no money can make easy money online. This possibility takes some time and effort, but after learning certain skills a person can make anywhere from an extra $ 5.00 per day to $ 100 or more.

There are several ways for people with no money can make easy money online such as article marketing, classified advertising and forum marketing to name a few. Each of these ways is available to the budding entrepreneur for free; all you need is a starting point or guide. Some ways that people typically start is through such free methods as article marketing, forum marketing and classified advertising. Each of these methods can be very effective at targeting audiences on the Internet and getting them to purchase a product or service.

This is, of course, the next important aspect of making money online. You need a product or service which can be purchased online. There are many places to find products that you can market for free and make a commission on. Some responsibilities are as little as a few dollars, where others might be several hundred of dollars. …

Have you ever wondered what it would have like to be able to have complete control over your finances?

If you are like most normal people, you have a job. You go to your job every day. Every week or two weeks or month you get a pay check for some amount.

You have taxes.
The government, in an effort to make your life easier, lifts something like a third of your pay check without your having to do a thing.

You have problems.
For example, you get a speeding ticket one day, and then your insurance goes up. Or your car blows a gasket. Or you lose your job!

Then you have desires.
All humans do, some more than others. You may desire new living room furniture, a new TV or stereo, new clothes … Whatever. You may desire all of it all at once. Occidentally you can not control yourself and one of your desires is filled.

Therefore you have debt!
Debt makes up the difference between income and expense. For most people day-to-day debt goes on a credit card, and large items like cars and houses are handled with more formal loans. Debt itself is not bad. The problem arises when debt accumulates for no apparent reason. Problems and desires would push your credit card balance upward each month because there is no other place for the money to come from.

Notice what you do not have in the above scenario?
There is no mention of a savings program. Nor a retirement plan. There is no particular hope of reaching future financial goals. No safety net! And most importantly, no peace of mind, no sense of control, no control of your life and your finances.

Let's face it!
Investment planning is not the activity of choice for most individuals. If we had our way, the various pieces of our financial lives would magically fall into place. All of our financial needs would be met effortlessly without having to devote even a minute of time to planning!

Unfortunately, real life does not work that way!
Making sense of your finances requires more time and effort than ever in today's constantly changing economic environment. You are likely to have many different – and sometimes conflicting – financial goals. Deciding how to meet those goals requires careful planning.

So, is there a solution to this problem?
The answer is "maybe!" …
But it does require a big mental shift and if you are willing to make the mental shift the answer is yes!

It turns out there is a different way to live life. This way of life involves figuring out what you really want to do, and what is really important to you as an individual, and then working toward those goals rather than proceeding randomly.

What you gain in the process is a sense of control and satisfaction, and a sense of achievement, that is difficult to beat. …

Money-making is one of the strongest desires of human beings. Whether young or old, everyone is thirsty for financial adequacy. This is why I have decided to X-ray this text entitled "How to Make Money Out of Thin Air".

The text is written by Brian Sher, who obtained a degree in Marketing from the University of South Wales. His outstanding business travels overseas sparked his interest in consultancy, and after spending two years in Los Angeles, he returned to Australia and formed his own company specializing in marketing and business-growth strategies. Working with businesses both big and small, one of his major clients offered to partner him in a new venture – Vision Publishing.

Under Sher's direction, Vision Publishing experienced phenomenal growth, and extremely boasted more than $ 12 million in annual sales. His extensive network and strong reputation as one of Australia's most dynamic and exciting marketers made him an active and thought-after business coach.

The author says given the title of this book, he can hear the critics sharpening their pencils and the cynics saying "Oh sure, we've heard this all before". Sher admits that this is perfectly understandable as on the surface, making money out of thin air looks like an unbelievable claim.

He confessed that to be honest, he was cynical himself when he first learned of this practice, adding that but what made him look beyond his initial distrust was that he did not want to work hard for a living. Rather, Sher wanted to work smarter and less to enjoy the finer things in life and have the time to enjoy them.

He says while deciding on how to achieve this, he remembered a statement his father once made, which was "Never work with your hands – it will never make you rich!"

This author submits that although he was not literally working with his hands, he knew he was not far off from this in the wealth-creation stakes, as he was working hard and was not exactly rich. Sher says he had a head full of great ideas and concepts, and was working at a frenetic pace, running around selling these ideas.

The author reveals that he learned a good living, but that was all, and he needed to learn more. He adds that he needed to learn how and what the rich were doing that he was not. This author says they were making the money and he was just e learning it.

Sher explains that he set out to try to change all that by studying what they did, the way they thought and the way they operated, and after a while, he discovered that their habits were not rocket science and it was absolutely possible to make money Out of thin air.

According to him, if you want to achieve success, it requires nothing more than changing your attitude as you approach your next business venture, and this simple change will be worth millions of dollars to you.

Structure-wise, this …

By: Scott Anderson (2009)

ISBN 978-0-7684-2745-5

Book Price: $ 24.24

150 millionaires

As a cutting-edge entrepreneur, best-selling author, and dynamic speaker, Scott T. Anderson has cultivated an extensive following among the highly highly-respected and influential business leaders worldwide (endorsed by Robert Kiyosaki, Larry Winget, & Les Brown). As a pastor, he has developed 150 millionaires in his church.

So many more rich ideas

Scot Anderson has provided fifteen chapters to express the will of God for us to be rich. He covers, the purpose of money (Ch. 3), what you expect you always get! (Ch. 6), Jesus was not poor (Ch. 10), one change will produce wealth (Ch. 12), the power of belief (Ch. 14), habits control your world (Ch. 15), and so many more rich ideas!

Thinking and living the rich life

Scot Anderson comes highly recommended; Les Brown says of Scot, "Just ask more than 150 members of Scot's congregation how they happened to become millionaires after Scot introduced them to new ideas and wealth-creation strategies." Scot's style is informative and expressive as he endeavors to introduce many to wealthy living.

Anderson focuses on freedom presented in Biblical truth to persuade readers. He explains, "… the Bible is not about the don'ts, but about the dos, not what we can not do and have, but about what we can do and what we can have."

Using simple illustrations, Scot diffuses false ideas about wealth. He shares, "Money is not evil! A hundred dollar bill has no power. I have one in my wallet right now, and if left alone, it would never do anything-good or evil … Do your own test: take some money and leave it alone in a drawer for a month. Then write down all the evil it did. "

Scot is stern in addressing pertinent issues. He pointedly advises, "As long as you think it is wrong to have money, you will not. Until you can break that one thought, you will never be able to step into the abundance that God wants …"

Mr. Anderson uses points from Jesus' life to impress his message on reader's hearts. He shares, "1. Jesus was born in the royal line of David … 5. The Magi bought expensive gifts … gold, frankincense, and myrrh … 8. The disciples were successful businessmen … If Jesus was really poor, successful men would never have followed Him … "

God wants us all to be rich!

Scot Anderson has successfully revealed the desire of God for all humanity; God wants us all to be rich! …