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Thursday, September 20, 2018

Government Grants Will Give You Debt Relief






You can get a Government Grant that will help you relief the debt that you currently have. If you have gotten yourself into debt with your credit card bills then it is good to know there is help that you can get from the Government that can help you get debt free.

Most people now more than ever use there cards to pay for things that they can not afford because they do not have enough cash. It is always better if you use a credit card and pay off the balance at the end of each month that way to do not pay so much extra money in interest. Sometimes it is not possible to pay the balance off and you may even get into a situation were you owe more than you can pay.

The credit cards game is a hard one to play if you spend too much because you are always trying to catch up and pay your monthly minimum. If you are late on one of those payments then watch out your credit card company will raise your rate to the maximum amount that they can charge.

The goal is to get your card bills under control and to get the balances paid off and one of the best ways you can do this is by getting a Government Grant that will help you get debt free.

Remember the most important thing is you want to pay off your credit card bills and one of the best ways to do this is by getting a Government Grant.






Business Success - It's All About You

As a business coach and mentor over the past 15 years, I have seen many business owners get caught in the cycle of overworking, in their pursuit of a great idea matched with guts, hard work and determination. But often the result is simply under- learning, even as they stop along the way to chase "gurus" believing that they will show them the way and things will finally click.

Looking outside for a "cure all" or a "quick fix" only leads to continued frustration for business owners because without looking inward at the things that stand in the way of success, the same situations show up repeatedlyly. The key to success for each of us lies within ourselves.

If you are committed to building a great business and bringing the key elements of success to the surface, you need to adapt these 15 strategies into your business and personal life.

1. Realize It's All About You

Your business is a reflection of you. It is a container for our own rich spirits, talents, gifts and energy. It also contains your issues, blocks and attitudes. What we experience in our business is a mirrored image of the values, beliefs and images we hold within. In this way your business is all about you and can only get as big as you are, no more and no less. You may want to blame the economy, lack of money, busy-ness ... yet t o grow your business you must be willing to work both on the inner game (seeing yourself clearly and clearing beliefs that keep you stuck) as well as , the outer game of action and technical know-how (knowing what to do and doing it). Once we recognize that the difficulties and limitations in our business (and our lives) are reflections of our own patterns, we have a powerful tool to change patterns and to create what we really want.

2. Grow Yourself

A client once said, "Having a business is the best personal development course you'll ever take." This is very true. I f you want to grow your business, all the marketing systems, secrets and strategies in the world will not help you unless you first grow yourself. For example, if you have a belief that you have to work 16-hour days in order to be successful, then you will end up working 16-hour days. And you may or may not be successful. If your leadership style is disrespectful of team members and customers then the energy of the business will reflect this. Only second-rate team members will be associated as you will only attract people who are OK being disrespected and not appreciated. Your business will only achieve a fraction of what is possible. Your style and level of development sets the tone for your organization. Everything is reflected back to you multiplied, exaggerated and often dramatized. This means, if you want your business to change, if you want your team to change, if you want your results to change ... It all starts with you. Many people work on growing the business, their teams, and sales, yet leave out the most important factor in the entire equation -you.

3. Get Out of Your Own Way

One of the largest obstacles most of us have is that we get in our own way. It is as if we are driving down the road to success with one foot on the gas and the other one on the brake. We do not do it on purpose or get up in the morning and say, "How can I sabotage my success today?"

It looks different for each of us, even from day to day. Sometimes it may be just being too busy to do the things we know we need to do. It could also be fear. This, too, could show up in many ways.

We may be afraid we are not good enough, so we procrastinate or become overwhelmed at the thought of doing the task. A personal favorite of mine was the fear of being wrong, so I played it safe and limited myself to things I already knew I could do well.

Clutter is another way we slow ourselves down. Besides the physical difficulty it causes, clutter can also weigh us down subconsciously. Marie, a small businesswoman, was pitching clients to increase business. But no one was signing on with her. After a brief discussion it was obvious that she was exasperated; I could feel this in just a short phone conversation. When I asked Marie to describe her office, she told me about the piles of files on her desk, projects on the credenza and other items on the floor, plus the spillover into her personal space. The piles represented unfinished business; work that she knew she needed to do but could not get around to doing.

When she would visit new prospects she would say the right words to solicit their business, but energetically she was saying, "I can not handle what I have; I do not have any space to take on additional work! " After several days of completing outstanding projects, not only did she clean up but also achieved a sense of peace. As a bonus, she noticed that several prospects to whome she had pitched earlier called to hire her. Coincidence? When we get out of our own way, major things happen.

4. Focus on What You Do Best

As an entrepreneur you wear many hats, but some do not fit or may clash with your personality. Too often I see small business owners or solopreneurs fretting incessantly about sending out invoices, following up with clients, or marketing. This constant worry drains their energy and keeps them from focusing on the parts of the business they do well.

Rather than trying to be all things to all people, it is better to focus on your strengths and become an outsourcing expert for the rest. Do what you do best and delegate the rest.

5. Define Success

What does success mean to you? In a world with so many coulds, shoulds and wants, how do you know if you are successful? Many clients have found that until they take the time to define success for themselves, it tends to be defined for them - and often not to their benefit. When you live by someone else's definition, you may feel boxed in, un-empowered, as if you have no choices. You end up chasing goals that are not yours, and although you may achieve things you thought would make you feel successful, you find that something is still missing. You do not feel any different than you did before.

Define what success means to you and you'll notice a tug to make changes in your life, both significant and small. You'll have a better idea of ​​what you really want to do, deep down inside. By clearing success on your terms, you'll release yourself from priorities that are not relevant and be free to enjoy life completely.

6. Be Responsible

In the syndicated comic strip Frank and Ernest, two bums are sitting along a wall talking with each other. One says to the other, "Do you believe in fate?" The other replies, "Sure. I've hated to think I turned out like this because of something I had control over."

You have control and you are responsible for everything that shows up in your life. If you believe that someone or something else is the cause of whatever is happening, you are choosing to be a victim. Look at the word responsibility: response-ability; the ability to choose your response. Recognize this responsibility. Do not blame circumstances or conditions. It all comes down to your choices.

The good news is that since you are solely responsible, you can make changes. You do not have to be stuck in a bad relationship, a dead-end job, fear, or whatever is not working for you. Owning your behaviors allows you to see what makes you happy and gives you the opportunity to change it. Taking responsibility for your behaviors and actions, thoughts and beliefs is empowering and one of the simplest ways to make last changes. You are the creator of your life.

7. Become Conscious

Other than when sleeping in bed at night, are not we already conscious? Not always. Too often we operate at a level below sensitive awareness. We go through life never stopping to think about what we are doing or why. We get up in the morning, turn on autopilot and let it take us through the day. We react to whatever comes our way, overlooking many choices available to us.

Mark's pattern was to see the world as a dichotomy. He would unconsciously put things in one of two categories: black / white good / bad, either / or, yes / no. For him there was never an option in between. Although he knew something was not working in his life, it was not until he could objectively see this pattern and associated beliefs that he could accept that other options do exist. With this new consciousness many choices suddenly became available to him.

Linda struggled to increase her business and make it profitable. She became aware that she did not value herself and would under-price her services or even give them away. Her unconscious pattern of unworthiness led her to believe that no one would actually pay for what she had to offer. As she began to clear these beliefs and patterns her profits great; and more importantly, she began to do the work that before she had only dreamed of doing.

To become conscious is to become aware. When we are present with our mind, body and spirit we accept responsibility for the choices we make and move from being victims of situations and circumstances to self-actualized human beings.

8. Get a New Perspective

"We can not solve problems by using the same kind of thinking we used when we created them," said Albert Einstein. Knowledge and understanding is limited to one's own experience. We see things through our own story and beliefs and are oblivious to other possibilities.

Any decisions we make from this vantage point are always through old paradigms. We continue to do the same things over and over, making the same mistakes and wondering why things never change or get better for us.

It takes courage to go beyond our limited perception to see that which we believe to be true is only true for us. From another perspective things look different. For example, the idea that the sun rises in the east and sets in the west is only true from our perspective on earth. From space the sun always shines. Both versions are true only from their respective vantage point. As you move beyond the limits of your own perspective, possibilities emerge and a new world opens.

9. Build Community

You are never alone. Everything is in contact with other things, which connect to more things, like an interconnected web. Nothing and no one exists independently. If such a thing did exist then it would be incapable of change.

It is a common misconception that the end of development is independence. Each of us is a living link in the chain that binds us all together. Only with an attitude of cooperation and communication are we able to produce viable results, come up with creative ideas, and create what we want.

Through cooperative endeavors community is made. As a part of the chain, every one of your gifts will shine and the joy and pleasure that may have been lost will be restored to you. Each individual becomes part of a giant mosaic of endless possibilities.

10. Get a Life

When you expect your work to provide meaning and fulfillment it ends up being a desperate search for something that can not be found there - a life. Your work is not your life! You are more than what you do. You are the sum of your parts, only one of which is work.

Too often work becomes our identity and we put off the rest of our life. As a work-centered culture, we have lost touch with ourselves. We skip lunch, conduct business while in our cars and at our kids' soccer games, and are always connected, even on vacation. We perceive we have no choices and consequently feel like victims. In realty, we are using work to avoid other things.

When this happens we feel trapped in circumstances of our own making. Busy-ness, procrastination, crisis, drama, struggle - these are all ways of avoiding things that we would rather not deal with. Choice and responsibility are keys to creating the lives we want.

11. Keep It Simple

Life is simple. We are the ones who make it complicated. There is a difference between effort and struggle. Consider nature ... it puts forth effort in sustaining itself, but does not struggle. It just is. Living requires effort. Running a business involves a certain amount of effort. Struggle, however, is optional. It is a battle we fight with ourselves.

What is struggle to one person is gentle effort to another. Struggle is mixed with fear, anxiety and worry and comes from what we believe about a situation or event, not from the event itself. What you believe, consciously or unconsciously, creates your reality.

"Change the way you look at things and the things you look at change," said Wayne Dyer. As you begin to take responsibility and accept that you create your life, you can move beyond the struggle towards an inner calm. Life was never meant to be a struggle.

12. Be Kind

We've all heard our mothers tell us to be kind. I interpreted this to mean to be kind to others. And while this is important and surely makes it easier for everyone to get along, there's another point of view to consider.

Be kind to yourself. Most of us beat ourselves up mercilessly. The way we talk to and treat ourselves would cause anyone else to run away. So why do we think it's ok to act toward ourselves that way? Value yourself as you would a dear friend or family member. Do not judge, criticizeize or beat yourself up, even in your thoughts. In addition, take care of yourself and your needs. If you are constantly taking care of others at your expense, then you are mistreating yourself.

13. Accept What Is

If your life is about wanting for the future instead of living now you will end up with a life filled with a lot of wanting and very little living. Life is here, now. It is not going to happen one day when all the stars in the sky magically align, your business takes off, or everything in your life is working out perfectly. Life becomes easier and more enjoyable as we accept what is happening and showing up right now - even if you do not want it, like it, or enjoy it.

Recently, someone had put in an offer to buy our house. Since it had been on the market for a few months, we were excited. A few days later however, they filled their offer and we were back at square one. While we were disappointed in the turn of events, it really had no other impact. My choice was about aligning with what was actually happening rather than trying to control and manipulate the events. This is more than just positive thinking; it is really accepting things and having no expectations. It is attachment to expectations that cause our hurt, pain and disappointment. As we move toward acceptance, each day is ours to enjoy regardless of outside circumstances.

14. Find Your Own Answers

Sometimes it seems easier to look outside of ourselves for answers, to rely on words from others or stories we tell ourselves based on external factors rather than facts. The problem is that these external answers do not bring us closer to our truth. More than likely, they drive us farther away. Seeking answers requires patience and awareness; everyone has a unique way of finding them.

My job as a coach and mentor is to help individuals find their own answers in a way that brings them closer to their truth. And even if your answers do not agree with the experts, know that while they may be an expert on certain things only you are the expert on you. Consider all the pioneers, inventors and explorers who were all told they were wrong and that what they wanted to do was impossible. Only you know what's best for you; be willing to ask the hard questions of yourself and listen carefully to the answers.

15. Go With the Flow

Everyone today is busy. We are conditioned to being busy and wear it like a badge of honor. People overload themselves with unimportant tasks or commitments, most of which have little benefit. Being busy is different than doing. There is a sense of purpose, a feeling that something is happening, even if you can not see it yet. Busy is doing a lot but never getting a sense of accomplishment. Many people are addicted to busy and spend their days never doing anything.

Being busy is also an excuse for poor performance or to ignore parts of life or business that require attention. Many people mistakenly believe that busy means important. Busy really means out of control, frenetic and unorganized.

The other choice is flow, a unique state of mind where productivity and creativity are at their highest. Flow happens when you are fully present and engaged in what you are doing, where time melts away in a commitment to the goal-oriented activity. Admit that you can not do everything and devote your time to what's most important. You will have room to be focused and enthralled.

Some of these tips may be familiar to you while others may challenge your paradigms. Each one has the potential to change your life within as well as without. No matter how many goals we achieve, or how much success we have, if we do not change what's on the inside, the outside is never enough. Use the tips and techniques daily to achieve success in your business and your life.






Financial Planning Programs






You may consider financial planning programs if you have an interest in helping people with their finances in terms of saving and maximizing their resources. There are Certified Financial Planner (CFP) certificate programs at numerous reputable institutions around the country and online, which you may choose from to pursue this career. You should consider, however, a few factors in order to be sure that the school you are attending is right for you and your future.

The first factor you should consider when choosing a school for your financial planning certificate is either they are accredited or not. An accredited university is recognized by an accredited agency deemed suitable for this task by the Department of Education. In addition to checking for accreditation, you'll also want to do some research of your own into the course materials and the success of graduations of this program. Make sure their courses are going to give you the kind of training you need for this job, and find out whether past appointments are working in the field and doing well.

You should look for a number of things in a school to help make a choice when you have found a list of reasonably candidates where you want to apply. When you are choosing between several schools that are all accredited and all have respectable coursework, then you can begin looking into the faculty and into their background. Also, see what additional services they offer such as career planning for recent graduates, campus computer labs, hands-on training and so-forth. If you find a school with a approved, accredited program including top-notch coursework taught by experienced faculty, including services that work for your lifestyle, it should be the right one for you.

After completing one of these financial planning programs and becoming certified to work in the field you will have many options available. You may help people send their kids to college, retire in style, manage their pension and employee benefits, plan their property investments, handle their taxes and arrange their insurance programs. It all starts with the right degree or certificate program.






Institutional Pros in Exchange Traded Funds

ETF or the exchanged traded funds are an investment vehicle for trading on the stock exchanges, such as Stocks. EFT is used to hold assets, eg commodities, stocks, bonds, and trades in the same price bracket and as a net asset value underpinning assets during trading days. ETF helps investors track index, eg MSCI EAFE and S & P 500.

Exchange traded funds is a good investment because of the low costs and tax efficiencies. It is a good investment options because of its stock like features. ETF is popular in the exchange traded products line. The authorized participants are popular institutional pros and investors. The traders buy and sell shares of ETF from fund managers.

They use these buy / sell methods to create units and larger blocks of ETF shares in tens of thousands of dollars. These shares are then replaced on an in kind system with baskets that have underpinning securities. Authorized participants or Pros may opt to invest in exchange traded fund shares on a long-term basis. Usually the pros act as what is known as market makers. They open the fundamental assets.

Individual investors use retail brokers to trade shares in secondary markets. Exchange trades combine valuation features of unit investment trust and / or mutual funds. These investments are bought and sold at the end of each trading day. Net asset value is traded, which offers tradable features of closed-end funds. These funds are traded daily at various prices below or higher than net asset value.

Closed-end funds are not ETF shares since those closed funds are traded on an exchange market. Since 1993, the US offered investors ETF trading options, and since 1999, Europe has been offering ETF trades. Europe became the first country to cooperate amid BGI, smaller independent distribution companies, and MSCI. It is known as the Funds Distribution Incorporation.

This distribution company historically moved on to become iShares, which is known globally. Traditionally, exchange funds were dubbed index funds. Today, it is known as actively managed exchanged traded funds established by the US Securities and Exchange Commission.

Investors can join the trading industry to gain access to pools of securities, as well as assets. Investors can buy or sell Exchange funds daily from brokers or dealers. Redemption's and purchased units are in-kind rather than sold or redeemed as shares at NAV, or net asset value. The institutional pro investors contribute and receive baskets of securities. Sometimes investors have to purchase or redeem shareholders, substituting it for cash in exchange for securities.






Underground Ebay Secrets - The "International Trader" Secret That Can Triple Your Ebay Income!

If you can signup for an eBay account, you can make a part-time or full-time income selling on the Internet. However, most eBay sellers remain casual sellers and never cross the line to become truly successful eBay entrepreneurs. In this article, I'd like to reveal a little-known secret to you on how to become an "international trader" on eBay and sell products that people will bid irrationalally for.

If you're in the UK, often you'll find that certain products you want to buy are only available in the US, and vice-versa. As an example, it's hard to find certain popular US clothing brands in the UK. Let's say you are in the UK. You can source out or buy these US based products and sell them on Ebay. In fact, you can buy these products from eBay themselves and resell them for a nice tidy profit.

You might think that does not sound possible, but many sellers devalue their products and do not realize the true sales value of their merchandise. You can find these underpriced items, buy them, and then resell them.

This little-known method of buying US products to sell on UK soil and vice-versa can be VERY profitable if you work it. All it takes is a little research in the beginning, then all you need to do is spend a few hours each week setting up the auctions, watch the bids fly in and ship out the products. And the bids will come in like crazy if your product is considered rare in your country! People will pay a premium pricing for something they want very much, but can not get.






Alternative Operating Systems for Mobile Devices






Undoubtedly, Android has a greater advantage over iOS in terms of extending the functionality of mobile devices. Android has a host of applications that add more features to what the phone of tablet can do by default. Moreover, the installation of mobile apps provides third-party providers easy access to users when delivering their services. For instance, feed apps provide daily updates in real-time to users who read the news and weather reports using their mobile device. However, Android and Apple's proprietary operating system aren't the only firmware available to users.

Ubuntu for Android Phones and Tablets

The default Ice Cream Sandwich or Jelly Bean operating system in Android phones was developed from a Linux-based architecture. Although they perform well according to the hardware's specifications, users who prefer an operating system similar to the one they have in their desktop computers or laptops can get Ubuntu for mobile use. Versions 12.x or higher of this Linux distro have been re-engineered to function with touch screens and run efficiently on portable electronic devices.

Ubuntu for Android works effectively on multi-core high-end phones and tablets. Users can open multiple tabs in browsers and open several applications at the same time. Plus, the tablet or smartphone can handle two workspaces together, too, just like with a desktop computer. Through over-the-air updates, the firmware gets upgraded with the latest version and allows more applications to work efficiently on its system. The software comes with default applications, such as the Ubuntu Music Player, Chromium Web browser, Google Calendar, Thunderbird E-mail client, Google Docs, VLC Player, Ubuntu Photo Gallery, PiTiVi, Gwibber and Android dialer.

Symbian Belle for Nokia Smartphones

Nokia has been a leader in the mobile industry. Most phone users probably started with a Nokia than any other brand. However, the advancements in mobile technology have shifted user preferences towards phones with operating systems that developers can create applications for quickly. This is why Android took the lead from iOS within a few years. This also means that Nokia must also change along with the trends.

In response, the company has developed Nokia Belle, which is the newest firmware update for their smartphones that operate on Symbian S60, which include Nokia N8, Nokia C7, Nokia C6-01, Nokia E7, Nokia X7, Nokia E6, and Nokia 500. Owners of these units may upgrade to Belle through the desktop suite or through their network provider. After the update, the new OS allows up to six home screens that can be customized with dynamic and live widgets. It has a pull-down taskbar and improved apps for navigation, image editing, and web browsing. On the whole, the new user interface has similar features as an Android phone.






3 Ways a Teenage Can Acquire Wealth and Maintain Financial Sustainability






A man's success can be recognized by the legitimate means in which he gains beneficial things. This might be as result of effort and self-determination. To some people, it is otherwise because they believe success comes from the approval of the Supreme Being. Wealth sometimes can be described simply as the ability for an individual to meet up with his / her desires without limitations.

Millions of people living in the world today believe in having hands on deck to achieve their goals and what matters is, do they really work for the sustainable goal?

Perhaps, about 5% of the people in this world acquire wealth to sustain and provide their claims at any given time. They are known to be the world's most influential people. Their achievements might not really depend on the hardship but simply as a result of self-determination to produce services for the general population to utilize.

In this article, we provide three (3) ways to acquire sustainable wealth to suit people's prospective desires. However these methods are categorized among three groups actually the inventors, investors and salary earning groups.

The Inventors group: This group can be found among popular artistes such as art celebrities, actors, musicians and inventors. They normally work for the passion which at later time, projects them to fame that attracts wealth for them. Sometimes, their wealth is not substantial because of improper management. Reason is because majority of people in this group are teenagers who does not believe in seeking for job. They find it easy to go for their passion but lack of knowledge in the managerial aspect would eventually lead them to financial instability.

The Salary Earing Group: This people work for an agreed terms and period for their employers. When they meet their job requirements, they get paid for the specific job. Either as a government or a private sector worker, they are dependent on their monthly, weekly or daily salary which often limits them to their desire.

A teenage in this group sometimes find it difficult to meet up with their hastening needs as they end up seeking for leverages, loans and mortgages which results to debt. At most point they are caged for a fixed period in other to achieve their long term desires. Only 30% of people in this group step up to build other sources of income for themselves.

The Investors group: This set of people believes that every day to day activities of the world depends on business transactions and risks.

However not many of them succeseds in this path. Only few who believe that risk is a companion in every business dealings scale along through.

This group of people inserts at a minimal rate and gradually attains a higher level of wealth. They focus on the long term goal which produces huge and sustainable wealth than other groups above. They are the owners and employers of people who make wealth for them on daily basis.

Attaining wealth depends on the variety of group you choose to belong. Any one of these groups can ever land you to wealth but it takes wisdom and understanding to manage its actions in other to sustain it for the future.