March 30, 2008

Life Insurance Careers

Filed under: Insurance Hall — admin @ 2:37 pm

Do you like to spend all day being sitting around? Fixed income is good enough for you? Do you feel economic stability is not a priority right now?

Well, if your answer to any of above questions is “Yes”, you should accept the fact youhave a very high chance of being unsuccessful.

But if, in the other hand, you are proactive, if you need to build a future for your family and yourself, establishing financial stability with a job that takes advantage of all your skills, then you should strongly consider a career in the life insurance world.Why choosing a career in insurance?

Well, one of the main reasons is that you get to help people. Nothing pays more that having someone looking into your eyes and saying “Thank you, you really helped me”. You will be the one who provides trustful care to those who need it. Moreover, as you help them, you will be setting up a safe, stable future for you and all those who depend on you.

If you have good salesperson abilities, patience and good people skills, then success is a piece of cake. Remember, everyone needs life insurance, because nobody wants to leave his family uncovered when the unexpected happens; so it’s just a matter of time: eventually they will seek for an agent to get themselves a policy. That agent could be you!

So, this is your time to make a choice. You are good for many things, there is a number of careers you could choose; but have in mind that the right decision is what separates the successful person from the unsuccessful one. Of course, you do not want to be unsuccessful. Why should you? You have the skills, you have the power, you have all it takes to success in the insurance world. You just need to take one step: get a life insurance career. Choice is yours.

If you find this information useful you should visit the site http://www.official-insurance.net where you will find lots of interesting articles related to this topic, all original and wrote by Andreea Dinescu.

EBay Introduces A New Way To Increase Your Auction Profits Without Risk

Filed under: My Auctions — admin @ 1:31 pm

A New Feature You Can Use To Increase Your eBay Profits

Until very recently, you had three ways to run an eBay listing for a single item.

You could either:

(a) Run an auction i.e. upload your item with a starting bid and leave it to the mercy of the bidders

(b) Decide how much the item was worth and list a Buy It Now (BIN) listing or

(c) Upload an auction but add an extra Buy It Now price to it so the auction finishes immediately if someone buys your item for the BIN price. If someone bids then the BIN option disappears.

However, eBay has now added a great new feature allowing potential bidders to Submit An Offer.

So, how can this be used to profit?

If you have read any of my previous posts you will know that I like to use BIN listings for almost all of my items.

There are two main reasons for this:

(1) Auctions are risky. eBay can be a very fickle place and one week an item may go for hundreds of pounds and the next it may go for pennies. Auctions depend on willing bidders, if there are very few willing bidders your item may be sniped at the last minute for next to nothing.

(2) Some users, those who know the value of the items I offer, are happy to buy at the price I determine as the BIN price. They buy and receive the item very quickly meaning that both parties are happy.

eBay has now added a new option allowing potential buyers to offer a price at which they are willing to buy.

This is great news for all eBay sellers. Now you can list an item with a high BIN price and ask potential buyers to offer their Best Price. If the price is acceptable, the seller can end the auction there and then and the buyer is obliged to buy the item at the price they offered.

Now, you no longer have to worry about your item being sold for next to nothing, you can invite offers and pick the winning bid!

For example:

Say you had a rare antique plate which you bought for £100. You know that the plate is worth £500 and you are not willing to auction it off for fear of it selling for pennies.

Because of this new ruling from eBay, you could list the plate with a Buy It Now price of £500 but also include the “Submit Best Offer” feature so interested parties can basically bid their highest bid.

If, during the duration of the listing, you do not receive the price you want, you do not need to sell it.

However, say 3 people submit their best offers, at £300, £350 and £400, you can pick the highest offer and sell to that person. Your item has now sold for 4 times what you paid for it and you are at no risk whatsoever of losing money.

The “Submit Best Offer” feature is like an auction where you can determine what the end price is. If no-one offers the price you want, let the listing expire and list it again. Wait for your best offer.

To use this new feature to its best ability I would set the BIN price to a little higher than what the item is worth. In the description, mark clearly that you are open to offers and steer the interested buyers to the Submit feature.

You never know, someone may just buy the item for the BIN price and save you a lot of work!

Ben Catt is an active eBay buyer and seller and runs an eBay Tips and Tricks website found at http://www.BenCatt.com.
He also runs a business opportunity information site - http://www.BizOppsUK.com

How to Cut Credit Card Debt

Filed under: Credit Sources — admin @ 11:54 am

Most Americans have too much credit card debt. Duh, we’ve all heard that
before, right? Only now its gotten a bit personal… right again? You
personally have too much credit card debt and its about to drive you crazy.

Well there IS hope so don’t file those bankruptcy papers just yet. One
major thing you have to keep in mind is your creditor is probably very
willing to work with you. Its in their best interest to have you making
some payment versus no payment. So here are a couple points to help you deal
with your credit card debt.

The first thing you have to do is simply contact your creditor and let them
know your situation. Ask for a lower interest rate or a repayment plan.
You might not have thought of it because you’re just naturally so polite but
its a very good strategy to be courteous at all times when negotiating with
your creditor. Polite, but firm. Come across as one who knows what you’re
asking for and expect to get it. If you’re not sure what you’re asking for
in the first place you might consider a reputable credit counseling service.
There’s a lot of great, honest organizations out there whose mission is to
help you work things out with your creditors.

Next you’ve GOT to stop using your cards. Cut them up, freeze them in a tub
of water, whatever you need to do to get them out of your wallet or purse,
do it! You simply can’t keep adding to the problem by running the debt up
any higher. This is actually one of the hardest parts of cutting your
credit card debt. Its like you’re addicted to spending money you don’t
have. So go cold turkey and drop the habit.

Start paying the ones with the highest interest rate first and work from
there. How do you do that? Concentrate on those high interest rate cards
by paying more than the minimum balance each month. The minimum is just
designed to keep you on the hook longer anyway. The credit card companies
are in this business to make a profit and want to have you paying them for
years to come. Even a little extra each month makes a big difference in the
long run.

Lastly, keep your chin up and have a good attitude. Millions of folks just
like you have begun to cut their credit card debt by following the common
sense steps outlined above. You can do it too. Good luck.

About The Author
Richard Townsend

http://www.cut-credit-card-debt.com/

You can reproduce this article as long as you include the authors name and website.

Six Reasons People Don’t Listen at Work… and Some Interesting Things You Can Do About It

Filed under: Psychology + More — admin @ 9:35 am

It’s frustrating when your co-workers, teenager or even your dog won’t listen. While you can’t control how they receive what you say, you can control how you send it. Here are a few tips on why people don’t listen and what you can do to change it.

1. Short Attention Spans

Problem: When asked to guess the average adult attention span, most people say around thirty minutes. According to statistics, however, the average adult attention span is actually only seven seconds. That’s right! Every seven seconds you go away somewhere. You think about something else. In fact, you could actually be taking a mental break right now. It is a normal part of how the brain integrates external stimuli - like when your computer starts defragging for a moment while you type.

Solution: It helps to pause from time to time when you speak. This allows people to integrate your information or ask a clarifying question. Also, include examples to anchor your concepts. For example (see–I’m doing it now!), a concept without an example is like tree without roots, a house without a foundation, or Sonny without Cher. It just doesn’t have as much staying power.

2. Too Many Distractions

Problem: I was in a meeting the other day and five people coughed, four people side talked, three cell phones rang, two people went to the restroom, and a partridge did email on his PDA. Distractions are a big part of modern life.

Solution: Your best bet is to acknowledge the distractions in a playful way. A manager who recently led a meeting I attended did this. When a cell phone rang, he grabbed for it and said, “Hello, Greg is in a meeting right now and he forgot to turn off his cell phone. So, please call back in a minute and leave a message. Beep.” That prompted everyone to turn off their phones.

3. Lack of Training

Problem: Few of us were formally taught how to listen. You probably took Reading 8, Writing 11, but did you ever take Listening 10? Its little wonder listening is challenging.

Solutions: Quite accidentally, I learned how to listen by trying meditation. After a five-day retreat, I went to visit my aging father who was hard of hearing. My habit was to sit vacantly for hours while he complained about his arthritis, the error on his bank statement, and how hard it is to find good slippers. On this occasion, I surprised myself by totally paying attention to him with patience and compassion. After about ten minutes of complaining he suddenly changed tracks and started telling me fascinating stories about his childhood. Then he cranked up his hearing aidand asked about me! Learn how to give people your full, undivided attention and be ready for some pleasant surprises.

4. Language Barriers

Problem: The world of business is fast becoming a multicultural world. Although English is the default language of commerce, many people in your audience may speak English only as a second language. Last month I was addressing a large insurance company where most attendees turned out to be new immigrants from China. I used the expression “getting jiggy with it”, and I saw people rifling through their dictionaries. This prompted me to say “I’m sorry, that went way over your head”, and a number of people looked up at the ceiling.

Solution: If your listeners are ESL or have a more basic educational background, you need to simplify your language. Use much more literal descriptions rather than cultural expressions. Use facial and body language to express humor, and fewer words.

5. Unchecked Assumptions

Problem: Back in the 70s, Gilda Radner a comedienne who regularly performed on Saturday Night Live was well known for her popular character Emily Litella, a social activist with a hearing problem. Her causes included such important issues as violins on television, Soviet jewelry and endangered feces. Believe it or not, those Emily Litella types can be found in your audiences.

Solution: One way to clear up false assumptions is to state your point in many different ways, then ask for summarizing statements from your listener. For example, “I just want to make sure you understand what I’m trying to say. Can you repeat back to me what you think I just said?” You would be surprised how often people have completely misinterpreted you, especially if the issue is complicated, or a touchy subject.

6. No Reason to Listen

Problem: Finally, the main reason people don’t listen is because you haven’t answered their favorite question: “What’s in it for me?”
Solution: Before you start a long-winded monologue, tell your listener why you need their attention and make sure they understand how it will be benefit them. For example, “I’d like to tell you about this free software that will block all the spam before it gets to your Inbox…interested?” That will give you much better results than “When I was a youngster and I sat down in front of my first computer, I asked myself–how can I make this machine work for me? Then in 1972…” In general, put yourself in your listener’s shoes before you talk. And just remember the greatest of all wisdom–no one ever listened himself out of a job.

Carla Rieger - EzineArticles Expert Author

Carla Rieger is an expert on creative people skills at work. If you want a motivational speaker, trainer, or leadership coach to help you stay on the creative edge, contact Carla Rieger.

Web site: http://www.carlarieger.com
Tel: 1-866-294-2988
Email carla@carlarieger.com

The Perfect Birthday Present for that Little Girl (No Batteries Required)

Filed under: Lifestyle Parlor — admin @ 1:26 am

The Dilemma As a mom of a five-year-old girl, I have attended
countless birthday parties in the past few years. With each
event, comes the inevitable trip to the toy store to find an
appropriate gift for the child of honor. I began to dread the
gift-buying process. Toys had either too many pieces, were too
sophisticated, were too popular and bound to be duplicates, were
too expensive, or just not cool enough (according to my resident
expert). The toys my daughter received last year were played
with once or twice and piled up in the closet along with the
rest of the colorful plastic presents of the past.

The Answer: Dress-up Costumes! With no small piece to be choking
hazards, no instructions to read, no set up necessary, no
batteries required and plenty of variety from which to choose, I
had come up with a unique and perfect Birthday Present.

Every little girl dreams of being a princess and every little
girl love to dress up in beautiful silky dresses, wear crowns,
wave magic wands and dance around the house. But, dress-up
costumes are not limited to princesses alone. With so many
costumes to choose from, there is something special and unique
for each child.

How To Pick The Right Costume I have given many costumes as
gifts and have found that you can’t go wrong giving a little
girl a Barbie costume. However, here are some tips to make the
perfect selection: * Find out what TV shows the child likes to
watch. Often, costumes of the main characters are available. *
Does the child have a favorite movie? There are numerous
licensed movie costumes available. * Be sure to buy an ‘Official
Licensed Costume’ if available. This will help ensure that the
child will be able to recognize the costume, as it will be made
according to licensing specifications. * Check the size and buy
the right one. Nothing is more disappointing than receiving a
costume and it not fitting. Make sure you buy the right size. If
you are not sure, buy the larger size.

March 29, 2008

Project/Program Management Best Practices for Success in ANY Industry!

Filed under: House Of Sales — admin @ 9:29 pm

Where is our success? Although there have been improvements, over 60% of projects/programs failed and many were canceled in 2003 (ref:The Standish Report CHAOS)! Our goal for 2004 and beyond is to contribute to a 60% and better, project/program success rate! STOP THE MADNESS-MANAGE AND CONTROL PROJECTS

WITH THE FOLLOWING:

Best Practice Processes for Project/Program Success(Outline):

  1. Program/Project Management (and Business Management) (Integration)

    • Use of Experience and Knowledge (Integration)

    • Planning and Scheduling/WBS (Scope/Time/Cost)

    • Communication Planning (Communication)

    • Status & Earned Value Reporting (Communication)

    • Performance (metrics) Reporting (Communication)

    • Risks Identification and Management (Risks)

    • Project Repository/DB (Communication/Lessons Learned/Knowledge Transfer)

    • Change Management (Integration)

    • Subcontractor/Vendor Control (Procurement)

    • Team Building (Human Resource)

  2. Development Process (Integration/Solution/Scope)

    • Selection of the appropriate model/technique (e.g., Interactive, Waterfall, Spiral, Evolutionary Object Oriented, Structured)

    • Selection of the appropriate implementation methodology (e.g., MSF, RUP, GXP, DOD- STD 2167 and other standards)

    • Selection, if required, to use Rapid Development

    • Rapid Application Development/Joint Application Development (RAD/JAD)

    • Prototypes and Mockups

    • Interviews and Facilitated Sessions

    • Collaboration

    • Selection of technical and project reviews

    • Selection of development and support tools and applications

  3. Configuration Management (Integration/Scope/Control) (described in the book “Software and Firmware Configuration Management”, subtitled “Management Control and Quality”.)

    • Configuration Identification

    • Configuration Control - Software/Application, Firmware (Embedded Software, and Systems)

    • Configuration Status Accounting

    • Configuration Audits

  4. Quality Assurance (Integration/Quality/Control)

    • Verification

    • Validation

    • Testing

Some of the organizations that support these practices and certifications for their professional knowledge recognized in many industries are: Project Management Institute (PMI) , American Management Association (AMA), Software Engineering Institute (SEI), Electronic Industries Association (EIA), Institute of Electrical and Electronic Engineers (IEEE), International Organization for Standardization (ISO), and the Department of Defense (DOD).

About The Author

Eddie R. Williams, recognized as a highly successful program/project manager, is the author of the multiple publications written to promote successful projects through methods that have led to his outstanding success. Get the FULL Detailed Best Practice Processes case study at: http://www.rayannpublishers.com.

erwilliams@rayannpublishers.com

Millionaire Mindset: We Become What We Think About

Filed under: Hair + Skin Care — admin @ 8:20 pm

In studying wealth, we learn the power of using our mind to attract either success or failure. By visualizing what we want to happen - or conversely what we fear will happen - we employ a mental magnet that helps to manifest our thoughts. To get rich, the first step is to make sure you have a millionaire mindset.”

Many wealth counselors stress the importance of positive thinking and we agree with them. Whether thoughts of poverty or wealth, you can be sure that your “magnet” is working perfectly. The results of your present thinking will soon be seen. If you have a millionaire mindset, those results will probably be everything you’ve hoped for.

In The Psychology of Achievement, success trainer Brian Tracy has distilled the essence of Napolean Hill’s classic advice in Think and Grow Rich with this concept articulated as well as we have yet seen:

“Any thought, plan, goal, or idea, held continuously in our conscious mind must bebrought about into reality by the Super Conscious Mind… Do you have the discipline, the control, the perseverance, the persistence, and determination to hold your goal or ambition clearly in your mind long enough for it to come about into reality? This is one of the most important summaries of the Laws of Success that you will ever identify.”

What’s on your mind today?

In addition to concepts like the Millionaire Mindset, wizardZofwealth.com offers people of all income levels wealth-building strategies in the areas of small business, entrepreneurship, self development, personal finance, trading, and investing. The site’s exclusive Wealth Notes presentation style makes learning easy for people seeking financial independence.

Learn To Save Hard Cash This Festive Season

Filed under: Help 4 U — admin @ 5:30 pm

Learn To Save Hard Cash This Festive Season

Time was when shopping was a painful experience, a chore to be
lived with. Cash Back schemes have now brought the fun back into
shopping. One can now shop online and purchase all that you need
without even leaving home. What’s more, these online purchases
also pay you back a certain amount on your purchases. Online
purchase stores are now offering its customers up to 40% Cash
Back on every purchase made. For shoppers, who do not like to
venture out for their shopping and make all their purchases from
online stores, these Cash Back rebate programmes actually pay
them back for just the pains you are taking to go online.

Now, you may say that all this seems too good to be true, and
might be skeptical about the whole idea. But all the skepticism
becomes mud once you have the hard cash on your hands….. Yes,
the Cash Back. The Cash Back Rebate Programme works once you
make a particular online shopping site, such as ours, your
gateway to make all your online purchases. The share of the
commissions which we get from our online stores for bringing
customers to them is then shared with…… who else, but YOU.

The Cash Back Rebate Programmes on the web consist of Cash Back
on Credit Cards, Cash Back on Real Estate, Cash Back on Mortgage
and Cash Back on Juvenile Money, apart from Cash Back shopping.
When you log on to an online site offering Cash Back on Real
Estate, find a good real estate agent who can buy you a good
property or sell you a good one, and you will receive a share of
the commission that is paid to the site by the agent for finding
him a customer. This same principal operates on all the online
sites which provide Cash Back Rebate Programmes to its surfers.
Cash Back Mortgages provide you with a very useful cash
injection at a very expensive time of your life.

The unique concept of Cash Back must have become clear to you by
now. You can now prepare yourself to just sit in front of your
computer and not only make your purchases, but also get paid
back for it. Cash Back is shopping made bliss when you get all
that hard cash in your hand after all the purchases you have
made.

Sites which offers Cash Back opportunities to its surfers have
quality stores like eBay, Circuit City, Hotwire, Advanta,
TechDepot, Best Buy, Target on its site. So you’re purchasing
from quality stores as well as saving on cash. It’s a veritable
windfall for you, so don’t miss out on such opportunities which
you can find plenty on the net.

Ricky Ahuja Chief Executive Officer and Director Ricky Ahuja is
currently the CEO of RUInIt.com., overseeing all operations for
the company. He formed the Company and immediately tasked
himself with orchestrating and building a strong management
team, innovating its Cash Back Wizard technology and improving
the user experience. Ahuja made the critical decision to partner
with Nusance Technologies, a then little known company with a
unique approach to Web programming and development. He is also
responsible for helping the relaunch of Discovery.com division
of Discovery Channel, the leading media and interactive
corporation. Ahuja also served as the VP of Marketing and
Business Development for G&B Enterprise, Inc.

He can be contacted at ricky@ruinit.com and at 773-865-4325.

Teens and Credit Cards

Filed under: Kids — admin @ 5:26 pm

“Don’t worry about it. I’ve got it this time. Next one is on you.” A commonly heard statement when going out to lunch, but not so common when the words are being uttered by your 14 year old unemployed son as he whips out his credit card and places it on the lunch bill.

There appears to be a rising trend in teens using their own credit/debit cards. This trend brings two questions to my mind: Is it wise to give your teen a credit card? And, is ‘everyone doing it’ as your teenager says?

In a poll published in April, of 2005, Junior Achievement found that of the 1,065 9th through 12th graders that participated in the poll, 11 % of them had their own credit cards. The students ranged in age from 13 to 18+. Of that 11%, the majority of them (81.7%) stated that they paid the entire balance in full at the end of each month.

Credit card companies like Visa Buxx offers pre-paid Visa cards for teens. Visa Buxx calls this a powerful financial educational tool. It is safer than cash, convenient, and allows for parental control of their teens spending by tracking their purchases online. The teens are to benefit from Visa Buxx because it allows for independence, flexibility (every place that accepts Visa debit cards accepts Visa Buxx), it’s smarter than cash because it gives teens the tools to learn financial responsibility and it is secure.

For all of the benefits mentioned above, it will cost the parent (or whomever is paying the bill) $12 to set up the account, $2.00 to fund the card (each time it is funded), 50 cents for each balance inquiry, $1.50 per ATM cash withdrawal, $5 to reissue an expired card, $3 per month for a paper statement, $2 per month inactivity fee, $20 for negative balance and $8 to close the account. There are various other fees not included here but can be found on their website. If it costs $12 to open an account, $2 to fund it and then $8 to close it (plus other fees), wouldn’t it be cheaper to give your teen an extra $22?

I might be showing my age, but I’m from the old school. What is more flexible than cash? It’s accepted pretty much everywhere. It’s a great financial educational tool. It teaches a cold lesson in budgeting, you either have enough or you don’t. It’s rather difficult for a teen to walk into a mall with cash and spend more than they have. Let’s face it. With Visa Buxx it may cost a parent $20 when a teen goes over their card limit. With cash, the teen will learn decision making: Do I really need it? Or, can I find a less expensive substitute?

Don’t get me wrong. There are many mature and financially trustworthy teens that can responsibly use a Visa Buxx card or some other credit/debit card, its just that I would prefer to wait until my teens are gainfully employed before they use plastic

ABOUT THE AUTHOR: Felicia Williams is a Freelance Writer and owner of the family-oriented website www.tidbitsandstuff.com

How to Increase Website Traffic

Filed under: Life Of Traffic — admin @ 11:46 am

How to Increase Website Traffic

There are many ways to build a customer base and drive more traffic and visitors to your website. Both paid and unpaid methods can be used effectively and are equally valid in different circumstances. Here we look at some of the ‘free’ methods you can use to help increase your web site traffic:

Fresh Content

Fresh, regularly updated content is one of the best ways to drive traffic to your site. Search engines and humans alike appreciate regularly updated content as it is likely to be of more interest than tired, old content.

Ultimately, websites are all about the exchange of information therefore if you can communicate information well to your audience, then you should have no trouble at all attracting traffic to your site.

Interesting Content

It stands to reason, but your content needs to interest the viewers of your site, and not just yourself! Too many companies write from a corporate point of view using internal jargon and phrasing that means nothing to the customer.

Write about topics that will affect and are relevant to your potential visitors and you will stand yourself in good stead of increasing your traffic.

Interactive Content

Content that the audience can participate with is a great way to draw them into the site and get them truly involved. For instance forums and message boards can encourage interaction and repeat visits, and drive up traffic as a result. You could also think about featuring some puzzles or games for your visitors to enjoy.

Search engine optimisation

If you want traffic to your site, then you need to ensure that you perform well for your target searches in search engines. If you have the best site in the world on a certain topic but no presence in search engines then it will be very hard for visitors to find your site.

Clear coding and layout

You will need a well designed and maintained site to encourage visitors to come in the first place and then to visit you and even refer you to their friends. If it hard to find what you want on a site then you will know that you quickly leave and don’t come back. Therefore ensure that you get it right first time.

Link exchange

Many companies engage in link exchange, whereby they swap links with other relevant companies, in order to gain more presence across the net. This works well for some and not so well for others, so think carefully as to whether it might work for you.

Affiliate Schemes

If you have a product or service for sale, then a great way to increase sales and traffic to your site is through an affiliate scheme. Here you offer others a commission or percentage (you set the terms) for referring either traffic or sales to your site. A good program from a popular company can really boost sales and traffic,so this is definitely something that is worth thinking about

Dan Moore is Director of Clarity Media Limited, a web design company and puzzle supplier of such smash hit puzzles as sudoku, kakuro, hanjie and codewords

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