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Personal Freedom Through Feeling and Releasing Emotions

Employers lose $ 200 billion a year due to stress-related ailments and 75-90 percent of employee visits to hospitals are stress-related, according to the National Institute of Health. What amazing statistics!

Why we are not attacking stress with the same vigor with which we have attacked drug addiction or drunk driving, I know not. After all, stress is one of the core factors that leads to dangerous behaviors in adults.

Most American adults are operating past their stress thresholds on a weekly basis. Driven to distraction to placate their suppressed and often intense feelings of anxiety and worry, they eat, smoke, drink, stare at the television, video game, etc … to temporarily remove themselves from unwanted feelings. What is interesting is that we obsess over our addictions but often do not look at the root. What is underneath the need for distraction?

Distractions are "state variables" . They make us feel something different than what we were previously feeling. For people who default state is anxiety … state variables are life savers, though they may not be healthy.

Knowledge is the first key to unraveling your stress spiral.

1. Identify when you move toward distractors; when your emotions are such that you choose to eat, drink, smoke, etc … to change your state. I am not talking about taking care of hunger or thirst. We're talking about neutral or negative behaviors we choose to make us "feel better", to move away from an uncomfortable emotion, thought or general state.

2. Notice Patterns in this behavior. Is it something you do everyday? After work? When you're with someone, or alone?

3. Work backward. When you recognize the distractor behaviors and then see the pattern, back up farther to identify what emotions you experienced that preceded the want to change your state.

4. Accept that adopted emotions are key contributors to increased stress levels. There are many factors to stress, however, unexpressed, unacknowledged emotions are very powerful. The answer is not necessarily to blow your top whenever you feel upset or cry your eyes out when your boss is a jerk, as those behaviors will most likely make things worse.

5. Learn to feel your emotions fully by finding a place and time to sit calmly and have your emotion. You may think that if you engage it or surrender to it, that it will take over, but that is not the case. Most emotions just need to be fully felt. They are like the hot air in a small balloon, once you make a hole, it does not take much time for the hot air to be released. Most emotions take generally 3-15 minutes. This is one way to release emotion. There are numerous processes that I use in coaching. You can Google the subject "Emotional Release Process" and find many resources. I will be posting more here soon.

6. Never again suppress how you really feel. The energy of a suppressed emotion is like a fireball stuck in your body …

Factors to Consider Before Buying a Property

Everybody dreams of owning a house at one point of time. But possessing a house is no joke. It requires careful consideration and planning to make such a heavy investment. A lot many things have to be kept in mind before buying any property. The main concern is finance but there are so many other things that are directly related to it.

Here are some factors that should be considered before buying a property:

1) Stability of income: Doing well in your work and earning good money may excite you to buy property at the moment. But it is very important to analyze your financial condition before making any big purchase. How stable your job is at the moment, will your salary increase in some time, what are your other expenses and how safe is it to invest in an asset are some of the most important questions to answer. If you’re uncertain of your future income situation, then picking up a mortgage isn’t a really good idea at the moment. Wait for some time and save more money for down payment.

2) Credit Score: A credit score is a statistical number that depicts a person’s creditworthiness. Lenders use a credit score to evaluate the possibility of a person to repay his debts. It also determines the rate of interest at which the mortgage will be given if it gets approved by the bank or creditors.

3) Personal commitments: What are your personal goals? What expenses do you see in the near future? Are you getting married or planning a baby? What are the expenses that may delay your mortgage buying? All these events will incur heavy expenses and may delay your property buying task. Ask these questions to yourself and consult your dear ones before planning to take such a major step.

4) Real Estate scenario: What is the real estate trend in your area? Are the property prices going upwards or are in a stable state. If the prices have gone up, will your finances allow you to make that purchase? Some area of your city may be attracting a lot many builders hence the rate of property might be on an upsurge. If the prices are going down, you may be lucky in buying your desired property at affordable rate.

5) Expectations from the property: Buying a home may be for different purposes- it could be for your own use or may be your second home i.e. investment. Since investing in real estate is considered to be the safest bet, a lot many people buy homes and put it on rent to get returns. If you are buying it for your own purpose, you may prefer a specific locality or a specific area, but if buying for investment, you may overlook such points and just concentrate on buying a property that may suit your budget.…

Ways Startups Can Fund Their Businesses

It is one thing to come up with a viable business idea and quite another story to work on it and start a real business. Putting a business from down up can be quite a challenge, especially when you have limited funds. Youths particularly have financial issues when trying out their pilot projects and some boost is always welcomed. But even with the shortage of capital to start you off, you do not have to let your business idea to wash down the drain because there are a number of options through which you can get the funding that you need to get you on your feet.

Self-funding – It may seem impossible, but it is actually very possible for entrepreneurs to fund their startups. This can be through using personal debt or savings. If you have any assets to your name, you can also consider selling those to generate the cash you need for the business.

Cloud funding – Pitching business ideas via the internet have become very popular among entrepreneurs to get the funding they need. There are numerous groups that offer such opportunities where multiple investors interested in the business idea contribute the needed funds towards the business. Such groups, of course, have restrictions and you should be aware of such before pitching.

Small business lenders – There are lots of organizations that are always interested in lending to small businesses and through such loans you can get the financing you need to get your business off the ground. You may need to secure such a loan with some asset type and pay interest in a specified time frame.

Banks – Banks make business loans for small businesses available. This may also require some kind of security and a track record that gives the lender confidence in you. The terms will vary from one provider to another, so you can compare options to select the most suitable for your business.

Partners – You may not want to partner so soon into the business, but it is one of the easiest ways of getting funding for the business. Strategic partners add value to the business by aligning the needed resources and in some cases, they could prove to be good business advisers too. Your partner may choose to become part of the business team or not; Just ensure the terms do favor you as well.

Angel investors – They are affluent individuals with the will to invest in businesses. The investors are now turning into investment groups so as to spread risk and to also pool research. You can use your local chamber of commerce to find out who is interested in funding new ideas and ventures or you can also conduct online searches to find out the same.

Family and friends – They are the people closest to you and may be willing to provide you with debt or equity funding that you need to get started. It may not be a good idea to sell part …

What to Look For When Evaluating a Medical Billing Vendor for Your Practice

If you've been practicing medicine for any amount of time you will probably agree that the healthcare industry has become incredibly complex in the past few years. Thanks to ever-evolving regulations and shifting reimbursements models, doctors are forced to streamline their operational processes in an effort to cut expenses and increase revenue.

One of the best ways practices can increase their revenue and stay competitive in a sometimes-shaky marketplace is to outsource their billing to a third-party vendor. But how do doctors ensure they select the right partner?

First by asking themselves a series of questions, and then asking their prospective partners another series of questions.

Questions to Ask Yourself

What are My Particular Pain Points?

Any billing company worth their salt will have policies and procedures in place that will maximize the efficiencies of your practice's work flow and minimize the time it takes you to get paid. And, at this point in time, all quality vendors will have strict compliance programs that will ensure security, privacy and confidentiality of protected patient data.

But beyond these generalities that any physician requires, what are your particular challenges or issues you face on a daily basis? What are your personal pain points? What are your preferences – cloud-based or enterprise-wide solutions?

Once you have a list of your preferences and challenges, you will be more easily able to communicate them to potential partners.

What Stipulations Do I Require in the Contract?

A partnership is a two-way street and an effective contract will outline the vendor's scope of work clearly as well as your responsibilities (ie provide all necessary documentation and authorization for services). Since using a generic contract template is asking for trouble, get some legal advice and determine your requirements: effective dates, termination clauses, compliance requirements, service reimbursements parameters and scope of work.

In What Ways Can My Billing Partner Help me Grow my Practice?

The right billing partner should not only be able to handle your payments and claims, they should also be able to counsel you and evaluate the health of your practice. Ask yourself what kind of assistance you need to determine if your current admin policies, staffing levels, and IT resources are sustainable. How can your billing partner help you make the necessary preparations to meet future goals?

Questions to Ask Prospect Partners

What Technological Capabilities Do You Offer?

Good billing companies offer more than help with claims and reimbursements, they have a breadth of knowledge when it comes to the best technology available to meet your needs and regulatory requirements.

Ask vendors what their experience is with EHRs, practice management systems, and if their solution can integrate into your existing systems. Remember, technology is multifaceted and should help you meet the clinical, administrative AND financial needs of your practice.

Is the Billing Company ICD-10 Ready?

At this point in the game, all billing companies should be up-to-speed with ICD-10, there simply is no excuse to be unprepared. Ask your prospective partners if they have completed …

Preparation of Profit and Loss Account

Explanation of Certain items of Profit and Loss Account

1. Salaries

Salaries are paid for the services of employees and are debited to profit and loss ac- count being indirect expense. If any salary has been paid to proprietor or partners, it should be shown separately because it requires special treatment at the time of income tax assessment.

2. Salaries and Wages

When wages account is included with salaries it treated is as indirect expense and is taken into profit and loss account.

3. Rent

Rent of the office shop showroom or godown is an indirect expense and so is debited to profit & loss account. However, rent of factory is debited to trading account. When a part of the building has been sublet the rent received should be shown on the credit side of profit and loss account as a separate item.

4. Rates and Taxes

These are levied by the local authorities to meet public expenditure. It being an indirect expenditure is shown on the debit side of profit and loss account.

5. Interest

Interest on loan, overdraft or overdue debts is payable by the firm. It is an indirect expense; so debited to profit and loss account. Interest on loan advanced by the firm on depositor investments is an income of the firm and so is credited to the profit and loss account.

If business has paid any interest on capital to its proprietor or partners it should also be debited in the profit and loss account but separately because this item needs special treatment at the time of income-tax assessment.

6. Commission

In business sometimes agents are appointed to effect sales, who are paid commission as their remuneration. So this being a selling expenses is shown on the debit side of profit and loss account. Sometimes commission is also paid on purchases of goods, such ‘as expense should be debited in the trading account. Sometimes the firm can also act as an agent to the other business houses and in such cases it receives commission from them. Commission so received is shown on the credit side of profit and loss account.

7. Trade Expenses

They are also termed as ‘sundry expenses’. Trade expenses represent expenses of such a nature for which it is not worthwhile to open separate accounts. Trade expenses are not taken to trading account.

8. Repairs

Repairs to the plant, machinery, building are indirect expenses are treated expense and are debited to profit and loss account..

9. Traveling Expenses

Unless mentioned otherwise, traveling expenses are treated as indirect expenses and are debited to profit and loss account.

10. Horse & stable Expenses

Expenses incurred for the fodder of horses and wages paid for looking after stable are treated as indirect expenses and debited to profit and loss account.

11. Apprentice Premium

This is the amount charged from persons to whom training is imparted by the business. It is an income and is credited to profit and loss account. In case apprentice premium is …

Money in Photography – Up Close and Personal

Like most people I know, I like taking pictures of nature; waterfall, rocks, and flowers. However; also like most people I know, I have made very little money from those pictures. Can you make great money from nature shots? Yes. Is it extremely competitive and very hard to get into? Yes. Is there an easier way? Yes.

For most of us, the best way to make money is to get up close and personal. Usually this means people shots; although sometimes, pets also qualify for this type of shooting. What I'm talking about is shooting events.

Events can be broken down into two categories; A) Things that happened once in a lifetime, and B) Things that happen over and over again. The things in Category "A" can usually bring more money to begin with; however there is also a lot more pressure. The things in Category "B" usually make less money per job; but tend to lead to multiple jobs.

Category "A" could include: Weddings, Sweet 16 Parties, Births, Graduation, and even death. Sound strange? Think about it; at a funeral, you have family and friends who may not have seen each other in years. Death is rarely expected, so often the subject has not had pictures in years. This is the last chance to get photos or memories. It's not an area people often think about; you have to sell them on the idea.

Category "B" could include: Drama Events, Sporting Events, Family Reunions, and Portraits. This category usually gets less money for the individual event, but not always. I have shot Family Reunions (for example) where I made more money in half an hour of shooting, than I make doing a wedding (five to six hours of shooting).

Always remember to shoot more than what you are asked for, or even more than you might think is enough. Especially with one time events, it is often impossible to go back and do it again. A person called me once and said they had a bunch of family coming over for Mothers Day, and asked if I could take a group shot. The longer we talked the more this sounded like a family reunion. My response was: "I can shoot the main group shot, but I will take other shots too. I make it a policy to never to only develop one or two shots on a roll."

I actually shot: The mother (with and without husband), the main Family Group, a four generation shot of Daughters, five individual family groups (with and without Mom), all the kids for the main family, all the kids of the individual families, all the couples from the individual families, all the grandchildren, and all the great grandchildren. Always shooting two or three shots, to make sure no one blinked.

They only asked for one shot, and I might have sold that one shot five or six times. But with what I offered, I got 24 individual orders, and many of those orders …

Cover Letter – Let's Get Personal

Well Written But Not Personal: If you really want to write a sample cover letter that gets noticed, then say something about the company you are applying to. Not something obvious, something they will know you had to dig deep to find out. A recent company award, an article in a trade magazine, a recent contract that they were awarded. This approach says a great deal about you.

Example, "I read recently that you received a ten year, accident free award. As a health inspector myself, I know first hand that is no small feat. Again, congratulations."

It may seem like a non-relevant thing to say in your cover letter, but is it? As a health inspector, it's certainly relevant as a tie in for the position you are applying for. It's also personal, in that you took the time to mention something most would not. Simply put, you did your homework on the company, and personalized it, to fit your application. An absolute win win.

One thing is true today, recruiters are very professional, they can spot a no effort cover letter a mile away. By not taking the time to do some research on the company or making it personal, your letter just looks like every other template. If you are serious about working at a particular company then do the due diligence the job describes. In the job interview they're asking "what do you know about our company" and they will ask, you need something of substance to say.

You only cheat yourself in the end by not taking the necessary steps. A well written cover letter is great, but that personal touch pushes it to the top of the pile on a recruiters desk.

Finally, as a teacher, I prefer a collaborative learning approach. That said, I'd like to ask you to join my email newsletter, as I want your feedback and advice. Can I count on your support?

To Your Job Search Success,

Mike Perras, P.Mgr …

A Few Ways to Earn Money Quick

Looking for some ways to earn some quick money? There are a few, and I know from personal experience that they DO work. Whether you want to make a little extra money in your spare time, or make a HUGE amount and tell your boss goodbye, these methods are just a couple of ways you can make some fast cash.

The first method I'm going to tell you about is online surveys. You may have seen on television or in women's magazines that many people make lots of money simply by completing surveys. This is not for everyone, especially if you get bored easily. But thousands of people do it every day, and some make thousands of per month!

With online surveys, you can usually choose which surveys you want to participate in. Some are short, some are long. For a short survey that takes you 5 minutes to complete, you can make anywhere from $ 2 to $ 5. If you choose a survey that takes 15 minutes or so, you can easily make $ 25 or $ 30. Many people average $ 25 per hour doing surveys. This is one of the best ways to earn money quick.

Now I am going to try to explain a method of making money that you may never have heard of. The bum marketing method is absolutely THE fastest way to make money online, and I can tell you that I have personally made over $ 400 in two weeks time. And I am just a beginner! This is definitely one of the best ways to earn money quick that I have ever found.

In bum marketing, you simply go to an affiliate site such as Clickbank. Browse the products and choose a subject you like or are familiar with. Create a blog at Blogger or WordPress and make a few posts on the subject of your product.

Write some good articles with your subject as the topic, link to your blog in your author resource box, and watch the sales roll in! Of course, on your blog you will want to have a few banners leading to your product, as well as links in your posts.

Well, these are the two of the most effective ways to earn money quick that I have found. I hope you try them out, you can be making money fast in no time! …

Getting Low Auto Insurance Rates – Cheap Car Insurance Policies

First of all, avoid being in an accident. Having a clean accident-free driving record is a big plus for negotiating lower rates from your auto insurance provider. That you are a good driver makes the risk level for the insurance agency to be relatively low thereby giving you more power to make certain demands especially on lower rate considerations.

Also having a clean driving record will make you top choice and a better client to the insurance companies around.

You should endeavor to understand some of the value added services that auto insurance companies provide. Most times, these services help you save both time and money. A good insurance company will certainly love to have smiling customers and one of the greatest means for achieving this is to increase service value while maintaining price points or even lowering the overall price.

You can save more if you have multiple policies running on the same account. For example you can have a life insurance policy, home renters insurance and your auto insurance policy all being active in the same account. This will typically prompt for a lower rate negotiation.

Insurance companies will cross check on some of your personal behaviors and habits. If you have a record of getting drunk on alcohol or excessive speeding with friends and over loading vehicles, then your record is that of a high risk for the insurance companies. Having a non-destructive record will certainly give you more points for lower rates. The first step for you to get your lower rates is to get free auto insurance quotes from trusted agents online.

Where To Start? …

Marketing Strategy – What Day Do Your Clients Buy?

In previous blogs I’ve talked about the importance of measuring your marketing activity and knowing where your prospects and clients originated from in order to measure which campaign has been the most successful and given the best ROI.

Another important area to measure is your emailings. Most good online systems offer the facility to measure how many recipients have opened your mailings and also how many have clicked through from your mailing to one of your website links. These stats are incredibly important not just for you to measure the effectiveness of the mailing content (and of course your list) but the days and times of the week when your target audience are most likely to read, click-through and ultimately purchase your product.

Perhaps you send a weekly/monthly mailing on the same day of the week and same time every week without a thought for whether this is the most effective time to reach your audience; or perhaps you randomly send out your mailings whenever you are ready to do so, or when the mood strikes! Either way, it’s worth taking some time to consider when your target audience will be in the most receptive state to your mailing, try sending on different times and days of the week and measure the results to see which appears most effective.

You may want to consider:

  • Are the majority of email addresses business or personal?
  • If personal, then when are the recipients most likely to respond to your mailing – when they are at work or perhaps in the evenings or weekends?
  • If business then consider the times of day when are they likely to take the time to stop and read your mailing/newsletter and when are they most likely to file it away – or worse to delete it?
  • The days and times when your target audience are most likely to be bombarded with emails or catching up with backlogs – i.e. Mondays or first thing in the morning.

If you are able to track previous mailings, then take a look back to see which have been the most successful with regard to click-through-rates and open-rates. Do you see any particular pattern with regards to the days and times they are sent and the response rates?…