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Tag: personal

Formula for Personal Change

Formula for Change:

Step One:

Assessment of the situation – what is true now & what are the desired goals or results
Here is the start. What is it that you want to be different? You need to discover and be very specific about what is the current situation and how do you want it to be different. To do this, use your Coach's assessment and gather input from all interested and involved parties.

Step Two:

Learning – techniques, tools, etc.
Discover what you need to learn and how to learn it. To do this you need to talk with people. A mentor relationship may be the key to new ideas. Coaching may provide the push. Peers may have advise, opinions, or ideas that you need. Classes, books, or articles may help.

Step Three:

Practice – take action & pay attention

This is a key. You need to take action to have change come about. It does not happen by itself. Use the familiar settings to practice. Or look for new settings to try out your change.

Step Four:

Feedback – score results against goals
Always utilize your own self-analysis – check in with your self right after your practice to see if you obtained the desired results. Independent observers can also be helpful. Pick someone you trust and which opinion you value and ask them to observe you. Then afterward ask for their feedback. Also important is to utilize your Coach's observations and feedback.

Now based upon results you obtain and feedback, go back to either more Learning and / or more Practice. Do not be hard on yourself and keep this cycle up until you obtain your goal. …

What Does it Mean When You Draw the Hierophant in a Tarot Reading?

The Hierophant depicts a beautiful place,fancy robes, symbolic pictures and all other outward trappings of religion can help to create atmosphere. People can easily direct their thoughts towards spiritual matters, yet too much concentration on these things may have the opposite effect; some religious and spiritual movements have rejected opulence in favor of the utmost simplicity.

Hierophant is an ancient Greek word meaning a priest who initiates, one who interprets the sacred mysteries. These men were believed to become vessels for spirits in certain rituals.

The Hierophant is ruled by Taurus which governs the second house of the Zodiac. The second house is associated with possessions, money,security, the material world in general. These things seem very far from spiritual realms. However, material belongings can say a lot about a person for they are an outward expression of an inner belief.

While The High Priestess represents a gateway to hidden knowledge and ancient secrets, The Hierophant is also a gateway, but a more conventional one. The basic tarot meaning of the Hierophant is marriage. It relates to the dramatic and traditional elements of marriage. This card suggests the public joining together of two families,two sexes,two destinies. When you draw the Hierophant in a tarot card reading it can signify an old friend, often someone older than you who is able to give you some sound advice.

You may feel a deep need for routine and you want to eat your meals at same time everyday. You find it difficult to think straight when things are in a state of uncertainty around you, that’s another tarot card meaning of the Hierophant.

When you draw this card in a tarot card reading you may be going to school as a teacher or student. This card also signifies an aspect of personality. It suggests someone who is kind of obsessive compulsive like some one who pays great attention to outer details, regular routine and dislike for anything which disrupts even the usual goings on of everyday life.

The Hierophant also suggests a person who cares very much about what other people think and likes to keep up with the Joneses. He or she has money in the bank and disapproves of extravagance.

When the Hierophant manifests as a person he or she maybe a gifted teacher, mentor and priest. Such a person has entered your life to open some mental door for you revealing what lies beyond.

You also want your role defined clearly whether in relationship or at work. That’s basically the tarot card meaning of Hierophant when you draw it in a tarot reading.…

Stripper Business Plan – Get Paid to Hang Out With Strippers

It sounds like a dream come true for most guys, doesn’t it? Is it really possible to get paid for hanging out with strippers? Well, the author of the Stripper Business Plan, Mike Steele, knows so. He knows so because he has lived the life and been there and done it and written it down so you can copy his business plan and start your own business doing the same thing.

The Stripper Business Plan is a multimedia package that will explain to you how you can quickly start your own business as the manager of exotic dancers and strippers for bachelor parties and the like. When someone in your local area is looking for a stripper for a birthday party or a bachelor party you could be the one they go to. Plain and simple.

The author goes over many details of how to start up your own stripper business claiming that you can begin making money very quickly. In his book Mike Steele goes over where to get business, what kinds of women are necessary for your business, how to organize your stripper business and many insider secrets that are said to be proven methods of maximizing your cash flow.

Also included in The Stripper Business Plan are three podcast coaching sessions that are said to help you to get you on your way to being profitable quickly and a separate book full of advanced trade secrets. Everything including what is necessary to get your stripper business up and running and getting the girls is laid out for you in an easy to understand step by step method.

Just like any business though, your success is dependent upon how hard you work. That really wasn’t meant to be a pun but it’s a pretty good one though, isn’t it? The idea of starting a business as a manager of strippers and exotic dancers does seem like a good one though given that the demand is there and the need to fill that demand is pretty obvious. It is actually such an ingenious idea that we wished that we had come up with it and are surprised that we never thought of starting a stripper business.

The opportunity to learn from someone like Mike Steele does make The Stripper Business Plan a very attractive package. To have everything explained to you by someone that has operated a successful business that you are thinking of starting is simply a good move and should save you a lot of time and aggravation. Oh, and let’s not forget the fact that you’ll be hanging out with strippers every day and getting paid for it… not that this would be the sole reason for starting such a business, right?…

How to Outline Your Financial Goals

People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals.

It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself…

Why are you investing?

Do you know why you are investing? What are you going to do with your money? What is most important in your life?

“Making money” is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan.

With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write “buy a home”, “pay for college,” “start a business,” or “retire as a millionaire!”

Next, write down the amount of money you think you will need to accomplish your goals.

Don’t worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number.

This number will be different depending on your goal. For example, maybe you’re buying a $100,000 home, you may want to save $10,000 for a down payment. Maybe you need $5,000 to start a business or $50,000 to pay for college. If you don’t have much money to invest, you can make up for it by investing over a long period of time.

Finally, consider the importance of your investment goals. How important is your retirement, your kid’s college tuition, or your down payment on a house? The importance of your investment will give you an idea of your risk level.

Every investment has risks.

You don’t want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble.

Ask yourself if you are ready to invest before you move on. Be honest with yourself.

You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing.

It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest.

If you can stay committed and keep that motivation toward your investment goals, you are much more likely to succeed!

A. Michael …

What Happens If I Get Busted Driving Without Insurance in Oregon?

Thanks to the current flux of the economy and the fact that people are struggling to cut back in ways they’ve never had to before, the number of people out on the roads driving without insurance is climbing at a rapid rate. Those numbers are expected to hit seventeen percent or higher within the next two years-a frightening thought when you consider there were over 250,851,833 passenger vehicles registered with the DMV in 2007, and numbers have climbed by over 109 million since then.

 

Seventeen percent of that is over 42,644,811 cars on the road without insurance, any one of which can hit you at any minute.

 

The good news is, states are finally starting to crack down on car insurance compliance-and Oregon is leading the field. While many states have started implementing policies for drivers who decide driving without insurance is a good idea to continue to cruise the friendly highways (after paying a stiff fee, of course) Oregon is standing tough and cracking down on uninsured motorists.

 

When you register a vehicle with the Oregon DMV you’re required to show proof that you’re not going to be driving without insurance by producing documentation stating your car is covered under the Oregon minimum car insurance requirements. When the DMV gives you your registration it’s with the understanding that as long as the car is registered in your name it’s going to continue to be covered by those minimum requirements. Failure to do so constitutes a “breach of contract” (of sorts), and it’s punished accordingly.

Oregon Minimum Car Insurance Requirements

1.      $25,000 per person bodily injury and property damage liability,

2.      $50,000 per crash for bodily injury to others,

3.      $10,000 per crash for anyone else’s personal property that decides to get involved,

4.      $15,000 in personal injury protection (to cover “reasonable and necessary medical, dental and other expenses one year after a crash”), and

5.      $25,000 per person and $50,000 per crash in uninsured motorist coverage.

 

If you’re caught out on the highways without at least this much insurance on your car you’re going to be required to appear before a judge. If the judge finds you guilty of driving without insurance (as opposed to simply not being able to find your insurance card when the cop pulled you over) they’re going to fine you, and you may even have to pay to have your vehicle towed and stored and your driving privileges suspended for a year or more. And you can definitely plan on spending a ridiculous amount of time over the next three years producing proof of insurance in the form of your SR-22.

 

( The SR-22 is a form sent by your insurance provider that guarantees you’re not driving without insurance and, in fact, have purchased car insurance to the tune of Oregon’s minimum state requirements. It’s required after you’ve been convicted of driving without insurance, are applying to have your license reinstated after a DUI/DWI, you’ve been involved in an …

Should Your Practice Be Billing Codes For Telephone Consultations?

It seems these days as if practices are doing more and more patient consultations over the phone. A lot of this may be due to the current economic conditions and the fact that patients are trying to avoid having to come in and be seen and be charged a co-pay.

What ever the reason physicians are spending more time on the phone these days and are asking whether or not they can bill CPT codes for telephone consultations and get reimbursed.

Unfortunately, Medicare will not pay for patient consultations performed over the phone. In terms of other payers, you will have to check with them on a case by case basis.

If this issue has become a big problem for your practice and is absorbing a lot of your time, you may want to consider billing your patients for this service.

Telephone services are typically billed using two sets of codes added to the CPT index in 2008: codes 99441 – 99443 are for phone services by physicians, while 98966 – 98968 are for services by “qualified non-physician healthcare professionals.” Again, none of these codes are covered by Medicare but more and more private payers are starting to reimburse for this code so it is certainly worth checking with them to see if they will pay.

If you do decide to bill patients for these codes, here are five things you must know about these codes:

  • They may be billed only for “medical discussion” that IS NOT related to an E&M service that was provided within the last seven days and DOES NOT lead to an in-office visit within the next 24 hours or earliest possible date.
  • The phone conversation must be documented by the provider that took the call.
  • Though Medicare does not pay for these codes, both sets of codes have relative value units (RVU’s) assigned to them that you can use to help determine what fee you will charge your patients for these codes.
  • The patient must initiate the call in order for you to bill the service.
  • The codes are valid for established patients ONLY, according to the CPT guidelines.
  • If your practice is performing a significant amount of phone consultations, that revenue can add up over the course of a year and make a difference in your practice’s earnings.
  • If you are considering billing for phone consultations, here are some tips that should help you get paid:
  • Negotiate with private payers – The key is to document every instance over the course of a year that you provided a telephone consultation. The amount of consultations could be significant and show your physicians and other providers provided the service 120 times over a year. When you renegotiate your managed care contract, you can show the provider relations department of that payer the documentation supporting your 120 phone consultations and explain to them this is what you did. You can then ask the provider relations for an allowance from the payer for these consultations. If one payer

What is Sales Financing?

Running a business is a difficult process and one which is constantly fraught with unexpected financial difficulties. Balancing acts are constantly required to ensure there is enough money in the business coffers to cover wages, rent, tax and other regular bills, as well as stock and equipment purchasing.

For all businesses, one of the key factors of success involves ensuring the quick release of funds in order to enable further purchasing or investment decisions. If funds are tied up rather than available for use, then the entire business process can screech to a halt.

One of the most common problems in business usually occurs when large sales are successfully made and the work is invoiced to the client, but payment is not immediately forthcoming. This means that there is a lot of cash tied up in sales ledgers which are not available for use on other projects such as restocking. This is an all too common situation which can prove disastrous to many companies – especially smaller businesses and start-ups who are usually the least able to effectively deal with these types of situations due to generally low levels of liquid assets in the first place.

This has lead to the creation of a number of business and sales financing products by larger institutions and specialist business finance organizations to fill the gap in corporate finance. These days, many banks can provide business banking services such as factoring, invoice discounting, and stock finance to enable their clients to free up many of the assets that they normally have access to for working capital.

Sourcing a financial institution to deal with the recovery of funds tied up with stock or invoices and to help deal with sales ledgers can enhance a business on several fronts. Not only does the company not have to worry about chasing up debtors, but the money is quickly made available for reinvestment; and the risks of suffering from bad debt are significantly lowered, as it can become the province of the factoring company to pursue reticent debtors. Factoring companies will often also make available additional debt recovery litigation services if they should become required.

While some businesses may see the costs of using sales finance services as cutting into profit margins, the benefits of having funds made accessible for use towards working capital – rather than sitting with inaccessible funds which do not for the company – can prove to be invaluable in enabling company growth and stability.…

How To Start A Roasted Corn Business

Corn roasting is a simple yet very profitable small investment business. The successful corn roasters make full time living working just the summer months.

To start a roasted corn business you will need to acquire permits and business licenses from the health department and from the state. The following is a typical checklist to start your business.

1. Decide the size and the scale of the operation.

2. Decide on the menu for your concession business.

3. Purchase your equipment and tools.

4. Register your business.

5. Apply and obtain all the required licenses and permits needed to run a food concession business.

6. Secure events and have fun running your concession stand.

Permits, Licenses, and Inspection

Every state has laws governing business licenses and permits. Most likely, you will have to register your business with the state agency, so you can do business in the state. A tax ID number, business license number, and tax registration number can be issued to your business, depending on the state in which you are operating. You should verify with the city or county that the business location is zoned for that activity. You must have commercial liability insurance, both for your business and for your vehicle and trailer.

Health Department and Food safety

As a business owner and a food worker, you will be preparing food for other people. Contact the health department of your county or state to receive a copy of a food safety guide that will help you greatly in learning more about food safety. Roasted corn is considered a less hazardous food, but if you are going to sell potatoes and turkey legs you may have to pay higher fee.

Start-up Costs of a Corn Roaster Business

Brand new corn roaster with warranty: 10,000-$12,000.

Used corn roaster: $5,000-$8,000.

Additional equipment and accessories: $1,200-$2,000.

Used van or truck: $2,000-$10,000.

Food cost for first two events: $300-$1,000.

Event sign-up fee: $800-$3,000.

Fuel, utilities, and miscellaneous: $200.

Equipment Required to Start a Corn Roasting Business

A professional corn roaster, minimum 200-500 corns per hour.

Hot plate for melting butter

Steam table for storing cooked potatoes and turkey legs.

Two 20-lb. propane tanks

Fire extinguisher

Commercial quality tent

2 tables,

Hand washing unit (portable) very easy to assemble one

Mics. Little things

Google “Corn Roasters” and search for companies that will help you get started before buying the equipment if you are strapped for cash. One of the company Texas Corn Roasters help.

How to Find Events and Festivals

There are many sources for finding festivals and events, such as your vendor friends, the local Chamber of Commerce, auto racing, fairs and festivals, flea markets, rodeos, and theme parks. The Internet is one of the greatest sources for finding events. Many good sites provide this information. Always send a professionally done proposal with your application if you want to beat the competition.

Suppliers and Producers

Suppliers and produce wholesalers are your key to success in this business. You cannot afford to buy …

Public Adjusting Pros and Cons

Is public adjusting a scam? Sometimes it can be, but sometimes it can be beneficial. Here are a few tips about public adjusters in general.

1. Make sure you have a valid first party claim (a claim against your company, and not another’s). A public adjuster represents policy holders against their own insurance company only. They are supposed to be highly trained and in most States, they are required to be licensed, although in some States acting as a public adjuster is illegal. The main benefit to having an adjuster is that they will do the legwork and negotiation for you, and they will make sure you obtain the maximum benefit your policy provides.

2. Evaluate the potential value of your claim. The cost of using this service varies, but if you have a good and ethical adjuster the cost should be worth the benefit. If you have a claim that is valued at less than $5000.00, they should be ethical enough to explain the potential loss you would incur by paying for adjusting services. Most adjusters charge around 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the claim value, so a $5000.00 claim would cost you approximately $500.00. If they can’t increase your claim value by at least his or her fee, then it is only logical to assume the service they provide is not worth the fee.

3. Read up on the law regarding public adjusters in your State. If a license is required, make sure you check to see if they are properly licensed.

4. Ask to see the adjuster or firm’s liability insurance policy or a copy of a liability bond. If they don’t have one or the other, run.

5. Use your head. If the adjuster or firm won’t answer your questions over the phone, or they have solicited you, then think again. A good public adjuster builds his or her business on word of mouth, and not by monitoring catastrophe’s and soliciting victims of property damage.

6. Public adjusters cannot represent anybody for an injury claim, and they are not supposed to refer you to an attorney.…

Why Ambition is Important – It Can Take You Places

There are many reasons why ambition is important in your life. This is because there are many different times and reasons you need ambition. You need it in your career and in your family. You also need it for yourself. Fulfilling dreams that matter to you on a personal level is one of the greatest things a person can do with their life. This could mean you running a marathon simply to do it or writing a poem because you wanted to do it. Regardless of what it is you want to do for yourself, you need ambition to accomplish it.

The main reason why ambition is important is because most things are not just handed to you in life. You have to really want something and know why you want it. When you really want something out of your life, you will be more willing to work hard to accomplish it. It also helps to have ambition whenever things are not going so great in your life. Having ambition in times like these will lead you to get yourself out of them and find happiness and success. If you have no ambition in your life, you have no drive for anything. Nothing will seem important.

Another reason why ambition is important is because it is your own ambition. No one can take away your ambition, which is why no one can give you ambition. You might be inspired by others, but the ambition to accomplish something comes from within. This leads to you viewing your life differently. You will be grateful for what you have because you were able to recognize what was important in your life. You then can use ambition to continue the happiness. It also helps you realize that what you make out of your life is up to you. Having ambition will help you accomplish your goals and dreams.

When you have ambition in your life, more things will seem possible. You no longer will have to look at your dreams and hopes as mere dreams. This is why ambition is important. Instead of looking at something you want from a distance, ambition allows you the motivation and strength to make it a reality in your life. This could be ambition to lose weight, ambition to get a better job or even ambition to start your own business. It really can change your life when you have a little ambition.

David Nuka…