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Tag: personal

Tips For Waiters and Bartenders to Save Money

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. …

Personal Attributes Are Qualities That Make You Who You Are

Personal attributes are those qualities that make you who you are. Some of these attributes are innate and others may be something you’ve learned or gained from experience.

What is important about them is this:

If you can say what yours are, you create a deeper understanding of the person behind the words. The person hearing the description of your personal attributes will develop a much stronger mental image of the sort of person you are. That is important because the key to most interviews is convincing the interviewer that you are the sort of person they are looking for. Knowing what they may ask you is helpful too.

There are lots of qualities that sum up a person, but not everybody can put them into words, so the point of this article is to give you some words and phrases or statements that you can use in the interview.

You may also want to use some of them in your covering letters, to help you answer an application form question or as part of your personal summary in your CV.

Make Sure You Can Back Up Your Claims

A word of warning though: whenever you make statements about your personal attributes, you may be challenged and asked to prove it or demonstrate it in some way or at the very least, to give an example of how you live up to your claim. So make sure you have a story to illustrate each one you use. If you don’t possess that particular personal quality, you will be found it!

Here are some phrases that describe a range of personal attributes:

  • I am highly motivated and enthusiastic and have a keen desire to continually update my knowledge and skills
  • I am a loyal employee who is hard working, dependable and trustworthy because I understand it is a two way relationship.
  • I have the ability to work individually and as part of the larger organization’s team
  • I have a strong sense of commitment; I am able to begin a course of action and work through it until it’s finished
  • I have a very strong drive and motivation to continually develop my professional skills
  • I have excellent communication skills, both verbal and written.
  • I have the ability to relate to all types of other people I work with
  • I have the ability to be flexible and adaptable in order to meet changing conditions or situations
  • I am outgoing, enthusiastic and a determined individual, eager to make progress.
  • I am professional, confident, efficient and goal orientated with the proven ability to use my own initiative or work as part of a team.
  • I have the ability to learn quickly and my common sense helps me respond to the needs of new situations.
  • I see myself as being competent and versatile with good organisational skills.
  • I possess honesty and integrity; I have high professional standards and I aim to be fair and truthful in everything I do.
  • I am reliable and able to be

Personal Trainer – History of This Practice

The personal trainer career pathway is a new one that has only recently been pioneered. Obviously, the ancient Greeks and other cultures of the past have had their athletic traditions, but most of this athletic training was actually intended to keep people in shape for war. Exercising for the sake of health and going to a professional expert in fitness training is a new practice that has only begun in the 20th century.

There were destination health spas in the late 19th century that were concerned with exercise in a parallel fashion along with overall body health, but these destination health facilities often used questionable health procedures that had little to do with actual fitness. Jack Lalanne is known as the godfather of all fitness and for good reason. Born in California in 1914, Jack was first a sugar addicted child that felt he was “mean and weak” as a result.

After a nutrition lecture he saw as a teenager changed his life, Jack threw himself into a sugar free nutritious diet, exercise and soon played on multiple high school sports teams. In 1936 at the young age of 22, he opened the first health club ever. Opening the club in Oakland, California, he gained a reputation with conservative minded doctors as a “health nut” to be avoided.

He walked the streets to find customers claiming he could recondition their bodies and get them in the best shape of their lives. In the process of opening his club and personally training his customers, he basically invented the personal trainer career. While he continued to shape his method for exercise instruction he also invented a number of exercise machines that are common place today.

The cable pulley weight lifting systems you see in every single gym in the world are his invention as are the smith machines you see everywhere as well. Soon Jack opened more clubs and each one had individuals working at them who could provide instruction in how to use the machines, eat well and get the proper amount of rest. Jack Lalanne eventually sold his chain of exercise clubs which were renamed Bally’s.

In 1954, the American College of Sports Medicine was founded to promote fitness, health and certify fitness professionals. This organization began certifying the first personal trainers, but by the 1980s the personal trainer career became popular and sometimes even lucrative. Fitness celebrities such as John Basedow, Gilad Janklowicz, and Jack Lalanne himself have made millions selling fitness videos since the 1980s.

Today professional training companies are everywhere offering to help you get fit at either the local gym or even your own home. Thanks to pioneers like Jack Lalanne, it’s quite possible for anyone to learn about fitness, get certified and find a job as a personal trainer.…

3 Essential Elements of a Viable Network Marketing Business

Many people nowadays are looking at network marketing as a business choice. It has been established that it is increasingly becoming common to see successes in this line of business, many thanks to the advent of relatively affordable broadband internet services, which has really brought the world to us.

Amongst the more favourable facets of the network marketing industry is the cost of entry that is relatively low. When compared to other start-up alternatives, this platform, most of the time, needs little capital involvement. You also get a great deal of support a lot of the time. You do not require any formal qualifications to get started, and you do not have to wait for too long to start earning money. Most of the time, you start making money within a couple of weeks, depending on how quickly you are able to sell your network’s products or enrol marketers into the program.

Statistics have also shown that the products and services being sold through network marketing business style tend to have better quality when compared to others as the survival of the business entity depends very much on the referrals it receives.

As there are many choices of companies to pick from, it is easy to get confused and make a mistake despite the benefits listed above. Therefore, you have to take your time to really look at as many opportunities as possible prior to making your choice. Keep in mind, you are seeking a business opportunity that will continuously bring you recurring revenue for the rest of your life. So, you have to be careful you don’t get it wrong right from the start.

Deciding on what you are going to devote to this endeavour, how much time are you going to commit, what resources are available to guarantee some level of success, who are your clients.

All these should be addressed a sincerely without reservations. After gaining some insight into these areas then you can take the following step in deciding what’s suitable.

Below are other essential questions to ask when selecting a home-based business opportunity.

1. What Kind of Assistance is Available?

Does the opportunity you’re taking into consideration have sufficient assistance and training to assist you through start-up? Depending upon your personality and previous experience, you may simply need fundamental training, or more personal assistance. If the business opportunity is through an already established business, do a substantial inquiry into the degree of help they offer. Your customers or downlines, as the case may be, aren’t getting the assistance they require if you cannot get assistance when you require it, which spells trouble for you.

2. What Type of Compensation is Available?

Are you searching for quick financial benefits, or are you ready to wait a bit to see results? If your home-based business opportunity is through an established company, check whether they have a rewards plan for their customers. If the opportunity is more self-driven, can you set practical objectives with this business opportunity that …

Pros and Cons of Critical Ilness Insurance Coverage

Critical illness insurance is a relatively new type of policy that is frequently misunderstood. Today, we will clarify what it is, and what it covers.

How Does Critical Illness Insurance Work?

Critical illness is similar to term life insurance, except it is paid out when you are diagnosed with an illness covered by the policy, rather than being paid out upon death. However, some people confuse this type of insurance with disability insurance, which substitutes your income if you become disabled.

Illness insurance, like term life insurance, is paid in a lump sum, should you be diagnosed with a pre-defined disease such as cancer. You decide how this amount will be spent – some people put it into additional medical treatment (especially if there are some treatment methods that are not covered by provincial healthcare), others decide to take time off work to spend with family, or to travel.

As with many insurance products, this type of insurance plan comes with an extensive insurance quote, application and underwriting process that the insurer analyzes before you can get a policy; and as with any insurance policy, a critical illness policy comes with both pros and cons.

Let’s take a closer look at the pros and cons of this type of insurance.

Pros of Critical Illness Insurance

There are several positive aspects:

  1. Funds that can help where needed: The lump sum you receive if you are diagnosed with a critical illness will allow you to get better treatment and, hopefully, fully recovery in some cases. You can also spend these funds on other needs or projects (such as travel or taking items off your bucket list).
  2. Protection for your own business: If you have your own business, you might need to work part time, after being diagnosed with a critical illness (reduced work hours are common when extensive medical treatment is required). It closes the financial gap created by your reduced hours at your company. With the funds, you could hire somebody to help out with your business.
  3. Stackable protection: Unlike disability insurance, critical illness coverage is “stackable”. With disability insurance, coverage is limited because it is based on your income, and you cannot go over that limit even if you have several disability policies. You can, though, have several policies with varying coverage amounts of different diseases. If you have, for example, two policies with benefits of $250,000 and $300,000, you can get a $550,000 payout when you make a claim.

Cons of Critical Illness Insurance

  1. Expensive: This type of insurance policy is not cheap. As an example, a Term 10 insurance policy with $500,000 coverage (Term 10 means a policy that covers you for 10 years) for a 35-year old non-smoking male without any pre-conditions costs around $180/ month (exemplary quote) whereas a Term 10 life insurance policy with coverage of $1,000,000 for the same person costs around $50.
  2. Definitions matter: If a diagnosed disease, such as a heart attack, is not aligned with the definition of this illness in

Today's Business Solution – Mobile Phones

Mobile phones have turn into a vital feature of our busy life; One almost notes incomplete devoid of a handset at present. The newest trend in the ground of communication, mobile phones has grown to be the most necessary means of communication.

Such multimedia phones let you benefit from all the comfort zones in a solo gadget. Additional to the instant access they bestow us; Handsets can be fundamental, expedient and cost-effective for populace who would like to hang on connected all the time. With cellular telephony becoming inevitability, manufacturers are launching all kinds of most modern high-tech handset with never before seen features full to capacity in remarkably slim and fashionable devices, putting the planet in your pocket.

Whether you are looking for basic mobiles or advanced multimedia devices, you will find a phone for yourself. These single devices execute a range of functions, eliminating the need for carrying diversity stand alone tools. Your mobile is now your music system, gaming device, digital camera, notebook and many more. Such multimedia Mobile Phones supply to the requirement of each and every class of natives. Grab your special moments with the high resolution mega-pixel camera and distribute them with friends via continuing Bluetooth wireless tools, with the MP3 player, play your preferred tracks with splendid sound quality.

Coming up with wonderful designs, colors, styles and functions, these hot handsets are built-in with high-end features such as video calling, high pixel-resolution cameras, MP3 music player, web browsing potential and Bluetooth connectivity. The latest phones make certain that you get wonderful multimedia features. These exclusive devices permit you to get pleasure from amusement, capture and share pictures and videos, access information, at anytime and anywhere you warn for.

Now you have a handset with features ranging from camera, music, web browsing, games, to your business solutions. So if you are looking onward to purchase the latest mobile in the marketplace, just keep an eye on the online mobile phone market to keep yourself well-run with the newest handset releases. Choose a mobile phone deal like contract mobile phones, Cheap Phones, etc. And acquire the most up-to-date technology in your hand. …

The VA Offers Loan Programs For Fixer Upper Homes

One of the many uniqueness of a VA guaranteed loan is the possibility of buying a house and using some of the proceeds of the loan(s) to fix it up before you move in. The only other type of loan similar to this might be construction permanent financing (also guaranteed by the VA). In other words, the VA will under certain circumstances guaranty loans so you can purchase and rehabilitate (rehab) a house that needs repair and that you and the lender knew required repair before closing. You won’t find that anywhere else.

Basically, you will have two loans, one for the initial purchase and a second or supplemental loan for the rehab work. That first loan will almost certainly require your house to appraise and pass inspection, even in its banged up state. In other words, the sink will need to have running water and the furnace will need to heat the house. You must coordinate the purchase and the rehab carefully with not only your lender but also with a licensed appraiser before you make any commitments. While this adds a level of complexity not normally found in residential mortgage lending, bear in mind that the United States Government is about to back the deal with a guaranty. Go for it!

Some Key Rules

It is important for you to know about some of the key rules established by the VA for this type of deal. The headings below have been changed to assist the reader and not all of the rules are restated here-just the ones that seem high profile.

A. VA may guarantee a loan for alteration and repair

o of a residence already owned by the veteran and occupied as a home, or

o made in conjunction with a purchase loan on the property.

B. The alterations and repairs must be those ordinarily found on similar property of comparable value in the community

C. The cost of alterations and repairs to structures may be included in a loan for the purchase of improved property to the extent that their value supports the loan amount.

D. A supplemental loan is a loan for the alteration, improvement, or repair of a residential property. The residential property must

o secure an existing VA-guaranteed loan, and

o be owned and occupied by the veteran, or the veteran will reoccupy upon completion of major alterations, repairs, or improvements.

E. The alterations, improvements, or repairs must

o be for the purpose of substantially protecting or improving the basic livability or utility of the property, and

o be restricted primarily to the maintenance, replacement, improvement or acquisition of real property, including fixtures.

F. Installation of features such as barbecue pits, swimming pools, etc., does not meet this requirement.

G. No more than 30 percent of the loan proceeds may be used for the maintenance, replacement, improvement, repair or acquisition of nonfixtures or quasi-fixtures such as refrigeration, cooking, washing, and heating equipment, and the equipment must be related to or supplement the principal …

Do You Know What a Financial Asset Is?

In the mid-1990s, and man named Robert Kiyosaki wrote a book called Rich dad, poor dad. This book was one of the first books that said your house was not a financial asset. Many people at the time argued that your house is an asset. Different people define a financial asset with a different definition. We are going to go over the various definitions that different people use.

If you live life according to Robert Kiyosaki’s principles, then a financial asset is something that gives you money each month, quarter, or year. If you were to quit working today, your financial asset would continue to bring in money whether you did anything or not. That is what he defines a financial asset as. Robert also defines a financial asset as something you can sell and turn into money, but his first principle of an asset is something that gives you money each month whether you work or not.

Other people define an asset as something you can sell them turn into money. Different examples of these types of would include money in your bank accounts, stocks, bonds, and mutual funds. Your 401(k) and any other retirement money that you have set aside are also considered assets.

Bankers allow you to count personal possessions as assets, such as your boat, car, and jewelry that you have. When you are applying for a loan, if you have more financial assets in the form of a boat or car that is paid for, the banker will look favorably on this. Of course your banker will consider any mutual funds, 401(k) retirement accounts, cash in the bank, and stocks as an asset to.

We all have different definitions of what an asset is financially and I urge you to look into yourself and see what your definition is. If you are considering your car a financial asset, consider this question. How much did you pay for your car and how much can you sell your car for? If you cannot sell your car for the amount that you paid for it or more, I suggest that it is a financial liability. Losing money on a position should not be defined as an asset, no matter what the situation. Sit down with the pan and paper and write down what you think an asset is. Write down what you currently possess that is a financial asset. Can you sell it today if you had to? If so, would you be able to get more for it than you paid? Understanding the difference between as asset and liability can mean the difference between becoming rich and staying poor.…

Pre-Approach Letters Keeping You From Selling Insurance?

Are you using pre-approach letters in an effort to secure appointments? How well are those letters working for you? If your results are less than you’d like this article will help you make some adjustments to those letters and improve your insurance sales results.

Realize when you take the time and spend the money to actually mail a pre-approach letter that letter has to produce results greater than the costs associated with the mailing. If it doesn’t then continuing to do what doesn’t work isn’t going to produce different results. No big surprise there yet it amazes me how people will continue to send a letter they already know doesn’t work and expect a miracle.

There is an incremental process that has to happen to have a pre-approach letter work for you. The first step in the process is getting your letter opened. Don’t use one of your fancy letter head envelopes when mailing these letters.

If you want your letter to get opened it absolutely has to look like a personal correspondence. The easiest and cheapest way to do that is to use a plain envelope hand addressed and sent using a live stamp. A live stamp is just a postage stamp like you buy at the post office versus any kind of bulk meter postage.

Your reader is standing over the waste basket sorting their mail and deciding what gets put aside to look at, and what gets immediately thrown away. They open yours because they’re curious as to who is sending them a letter. You’ve succeeded in the first step.

When they pull your letter out of the envelope it must still look like a personal message, so again don’t use your fancy letter head paper because when you do you immediately trigger their defenses. As they begin to read your letter your first sentence must clearly communicate the value to them in reading your message. They must immediately get that you get what’s going on with them.

The reader will not perceive value in an offer from you for a free review or a personal appointment. They’re thinking so what. You’re a complete stranger they don’t know anything about you and they certainly don’t see any reason to give you an appointment. That’s the wrong offer.

The right offer will provide them with something that does have perceived value for them. Offer them something they do want and tell them the exact actions to get the offer. Then allow them to reach out to you first.

Some will reach out immediately others won’t. You need a system to properly follow-up with each person. Your objective when you call the people who reached out to you is to determine if this person is a good potential client for you. Only extend an offer for an appointment to the people highly qualified to work with you who realize there may be a reason to meet with you and learn more.

Look at your current pre-approach letter and match …

Pros and Cons of Owning Your Own Independent Insurance Agency

There is always a lot of pride in owning your own company, but there is also a great deal of responsibility, work and hassle. Here’s how to tell if owning an insurance agency might have enough benefits for you to outweigh the liabilities.

Every employee has had the experience of looking at their boss and/or the owner of their company and thinking “I could do this so much better than you.” If you find yourself thinking this too often, you may soon find yourself looking into actually starting a business. And if you’ve got experience working in the insurance or financial products industries, as so many people do, then you are probably considering starting your own insurance agency.

Let’s start off with some clarifications. Any small business is either going to be an independent insurance agency (which sells policies from a number of major insurance companies) or a “captive” agency, which sells policies from just one company. To actually start providing people insurance requires something called a “corporate insurance license”, and they can cost $50,000 or more to buy. To actually be able to originate insurance policies requires over a million dollars of capital, just to start, so what most small business people want is to sell insurance, not create the policies themselves.

To sell insurance you will have to be licensed in your state for the kinds of policies you want to sell. There are three major kinds of insurance policies: health, liability, and life insurance. Many insurance licenses also let you sell financial products. Because insurance is so much of a financial product there’s a lot of overlap both in services and licensing.

The pros of having your own shop are that you get to choose which hours you work — but only to a certain extent, because you have to be on the job enough to stay in business. You get to decide how long and when you will take vacations — but again, only to a certain extent, because you have to make sure your business can stay afloat while you are gone. Another major pro is that if the business is successful, you will be the owner and will have a valuable asset that can generate income for years to come. Also, as the owner, you get to decide when and how to hire and fire people. If you are brave, you can even decide which clients and customers you want to fire.

While to pros sound great, here are the cons: you will probably work more than 60 hours a week the first years. If your agency is not successful in the first year or so (and many aren’t) you may end up not paying yourself a wage at all in order to be able to balance the books. Also, until your agency can afford to hire people for different jobs, you will be wearing a lot of different hats — accountant, computer guru, secretary, marketing manager, printer fixer, and many, many more. You …