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This, and go elsewhere. you see that there is no real focus on self-actualization when you don’t know how you will pay the rent or feed your family or secure the fundamental things for survival.
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This, and go elsewhere. you see that there is no real focus on self-actualization when you don’t know how you will pay the rent or feed your family or secure the fundamental things for survival.
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Thesis statement:
Whatever you discussed in the body of the essay, you will be providing a summary of it in a concise manner which will also connect back to the thesis statement depicting that you were right in your claim.
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There are two types of essays generally formal and informal, formal essays are identified by the seriousness of its purpose and the format, this is the reason formal essay writing is quite daunting and time taking because students are normally not able to distinguish between the format for informal and formal essays. There is nothing out of the world in the format for formal essays, the only thing you require is a guide and we are here to guide you through this.
Thesis statement is a short statement that is perhaps the backbone of a formal essay, this statement is then defended by the essay writer in the coming formal essay paragraphs,[link widoczny dla zalogowanych], writing a thesis statement is a difficult task because sometimes it becomes difficult to insert all the points in one statement that will be supported by the writer with facts,[link widoczny dla zalogowanych], figures,[link widoczny dla zalogowanych], examples etc. Basically, it serves a purpose of a topic for formal essay .
You must make use of paragraphs in the body of formal essay but you should remember that each and every paragraph should be associated with each and proving the same thing that is what you claimed in the thesis statement.
As you are writing a formal essay, then you have to make sure that the tone of your formal essay is also very formal because your target audience would be your teacher and classmates, you will have to show that you are professional in writing formal essays.
Formal essay writing hate one letter and that Is, I If you will use statements like I believe,[link widoczny dla zalogowanych], I think then you will distract the attention of the reader and you will make yourself prominent. The use of “I” is common in informal essays.
We would divide the format into three segments which will be discussed one by one and they are
Conclusion:
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3.Conclusion
By diananunez
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Therefore, the three categories for writing formal essays will help you get some good grades in your exams, just follow them while writing.
Body will contain all the points that were discussed in the introduction; it is advisable to divide it into several paragraphs depending on the need of the topic. It helps in justifying the thesis statement with relevant examples and evidences. While you are working on the body of the formal essay,[link widoczny dla zalogowanych], make sure you are looking back at the thesis statement to see if you are not incorporating any contradictory statement.
Now,[link widoczny dla zalogowanych], let me tell you some connotations for writing a perfect body for formal essay:
Try the following simple format and write your formal essay in a correct format.
Simple format for formal essay writing
Body paragraphs:
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When one looks for a relationship, there are emotional needs that one is looking for another person to fulfil within them. These needs can be conscious and known, and they can be unconscious and unknown.
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What is a secured loan?
A secure loan is a type of loan that requires borrowers to provide collateral in order secure the loan. The collateral gives the lender assurance that you will repay the loan. If you are not able to repay the loan within the agreed period of time, the lender will sell the property used as collateral in order to recover the loan. However, express.net will make sure that the lender will return the property used as security to you if you are able to repay the loan within the stipulated time period. Normally, properties like lands,[link widoczny dla zalogowanych], homes and cars can be used as securities to secure such type of loan.
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When one looks for a relationship, there are emotional needs that one is looking for another person to fulfil within them. These needs can be conscious and known, and they can be unconscious and unknown.
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By hardwarezone Yu
See all Articles by hardwarezone yuGet Updates on Brain EnhancementGet Updates on hardwarezone yu Average: 1 Your rating: None Average: 1 (1 vote) Tweet Oh, boy----Presidency of Barack Obama
44th President of the United States
Barack Obama being sworn in as President of the United States,[link widoczny dla zalogowanych].
See also: Timeline of the Presidency of Barack Obama
The Presidency of Barack Obama began at noon EST on January 20, 2009 when he became the 44th President of the United States. Obama was a United States Senator from Illinois at the time of his victory over Arizona Senator John McCain in the 2008 presidential election. Obama became the first African-American president of the United States.
His policy decisions have addressed a global financial crisis and have included changes in tax policies, legislation to reform the United States health care industry,[link widoczny dla zalogowanych], foreign policy initiatives and the phasing out of detention of prisoners at the Guantanamo Bay detention camp in Cuba. He attended the G-20 London summit and later visited U.S. troops in Iraq. On the tour of various European countries following the G-20 summit, he announced in Prague that he intended to negotiate substantial reduction in the world's nuclear arsenals,[link widoczny dla zalogowanych], en-route to their eventual extinction. In October 2009,[link widoczny dla zalogowanych], Obama was awarded the Nobel Peace Prize for "his extraordinary efforts to strengthen international diplomacy and cooperation between peoples." Sony VAIO VGN-FZ11E Battery
Main article: Presidential transition of Barack Obama
The presidential transition period began following Obama's election to the presidency on November 4, 2008. The Obama-Biden Transition Project was co-chaired by John Podesta, Valerie Jarrett, and Pete Rouse. During the transition period, Obama announced his nominations for his Cabinet and administration. Shortly after the election on November 4, Obama chose Representative Rahm Emanuel of Illinois as his Chief of Staff.[5] Sony VAIO VGN-FZ11L Battery
Cabinet nominations included former Democratic primary opponents Hillary Rodham Clinton for Secretary of State and Bill Richardson for Secretary of Commerce (although the latter withdrew on January 4, 2009). Obama appointed Eric Holder as his Attorney General,[link widoczny dla zalogowanych], the first African-American appointed to that position. He also nominated Timothy F. Geithner to serve as Secretary of the Treasury.[6] On December 1, Obama announced that he had asked Robert Gates to remain as Secretary of Defense, making Gates the first Defense head to carry over from a president of a different party.[7] He nominated former Assistant Secretary of State for African Affairs Susan Rice to the United States Ambassador to the United Nations, which he restored to a Cabinet-level position.[8] Sony VAIO VGN-FZ11M Battery
During his transition, he maintained a website Change.gov, on which he wrote blogs to readers and uploaded video addresses by many of the members of his new cabinet.[9] He announced strict rules for federal lobbyists, restricting them from financially contributing to his administration and forcing them to stop lobbying while working for him.[10] The website also allowed individuals to share stories and visions with each other and the transition team in what was called the Citizen's Briefing Book, which was given to Obama shortly after his inauguration.[11] Most of the information from Change.gov was transferred to the official White House website Whitehouse.gov just after Obama's inauguration.[12] Sony VAIO VGN-FZ11S Battery
Inauguration
Inauguration of Barack Obama
Barack Obama was inaugurated on January 20, 2009. He officially assumed the presidency at 12:00 noon, EST,[13] and completed the oath of office at 12:05 PM, EST. He delivered his inaugural address immediately following his oath. After his speech, he went to the President's Room in the House Wing of the Capitol and signed three documents: a commemorative proclamation, a list of Cabinet appointments,[link widoczny dla zalogowanych], and a list of sub-Cabinet appointments, before attending a luncheon with congressional and administration leaders and invited guests.[14] To commemorate the 200th anniversary of the birth of former President Abraham Lincoln, the same Bible that was used for Lincoln's inauguration was used in Obama's inauguration.[15] Sony VAIO VGN-FZ11Z Battery
In administering the oath,[link widoczny dla zalogowanych], Chief Justice John G. Roberts misplaced the word "faithfully" and erroneously replaced the phrase "President of the United States" with "President to the United States" before restating the phrase correctly; since Obama initially repeated the incorrect form, some scholars argued the President should take the oath again.[16] On January 21, Roberts readministered the oath to Obama in a private ceremony in the White House Map Room, making him the seventh U.S. president to retake the oath; White House Counsel Greg Craig said Obama took the oath from Roberts a second time out of an "abundance of caution".[17] Sony VAIO VGN-FZ15G Battery
First 100 days
Main article: First 100 days of Barack Obama's presidency
Expectations
Obama's 100th day in office was April 29,[link widoczny dla zalogowanych], 2009. In his first post-election interview with 60 Minutes, Obama said that he has been studying Roosevelt's first 100 days,[18] while adding, "The first hundred days is going to be important, but it's probably going to be the first thousand days that makes the difference."[19] Sony VAIO VGN-FZ15T Battery
Oama's first 100 days were highly anticipated ever since he became the presumptive nominee.[20] Several news outlets created web pages dedicated to covering the subject.[21] Commentators weighed in on challenges and priorities within domestic, foreign, economic, and environmental policy.[22][23][24][25] CNN lists a number of economic issues that "Obama and his team will have to tackle in their first 100 days",[link widoczny dla zalogowanych], foremost among which is passing and implementing a recovery package to deal with the financial crisis.[24] Clive Stafford Smith, a British human rights lawyer, expressed hopes that the new president will close Guantanamo Bay detention camp in his first 100 days in office. Sony VAIO VGN-FZ17 Battery
After aides of the president announced his intention to give a major foreign policy speech in the capital of an Islamic country, there were speculations in Jakarta that he might return to his former home city within the first 100 days.[26]
The New York Times devoted a five-part series, which was spread out over two weeks,[link widoczny dla zalogowanych], to anticipatory analysis of Obama's first hundred days. Each day, the analysis of a political expert was followed by freely edited blog postings from readers. The writers compared Obama's prospects with the situations of Franklin D. Roosevelt (January 16, Jean Edward Smith),[27] John F. Kennedy (January 19, Richard Reeves),[28] Lyndon B. Johnson (January 23,[link widoczny dla zalogowanych], Robert Dallek),[29] Ronald Reagan (January 27, Lou Cannon),[30] and Richard Nixon. Sony VAIO VGN-FZ17G Battery
Legislation and executive orders
Within minutes of taking the Oath of Office on January 20, Obama's Chief of Staff, Rahm Emanuel, issued an order suspending last-minute federal regulations pushed through by outgoing President George W. Bush, planning to review everything still pending.[31] Due to the economic crisis, the President enacted a pay freeze for Senior White House Staff making more than $100,000 per year,[32] as well as announcing stricter guidelines regarding lobbyists in an effort to raise the ethical standards of the White House.[33] He asked for a waiver to his own new rules, however,[link widoczny dla zalogowanych], for the appointments of William Lynn to the position of Deputy Defense Secretary, Jocelyn Frye to the position of director of policy and projects in the Office of the First Lady, and Cecilia Muñoz to the position of director of intergovernmental affairs in the executive office of the president, leading to some criticism of hypocrisy and violation of his pledge for governmental openness.[34][35] Sony VAIO VGN-FZ18 Battery
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When one looks for a relationship, there are emotional needs that one is looking for another person to fulfil within them. These needs can be conscious and known, and they can be unconscious and unknown.
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It might seem simple but choosing the right pocket to keep your iPhone in will help protect it too. Something like a jean pocket hugs tightly against your body and, as warm blooded creatures this can create another surprisingly hot environment. Especially after using the phone,[link widoczny dla zalogowanych], all those incredible tasks are very complicated, take a lot of processing and therefore generate a lot of heat, coupled with your body heat and the tight environment of your pocket,[link widoczny dla zalogowanych], your phone can suffer from extreme heat.
This might sound simple but there are many situations where your phone will be subject to more extreme heats. One of the easiest mistakes to make can be leaving your iPhone under the windscreen of a hot car. As well as super cool machines that provide effective high speed travel across distances,[link widoczny dla zalogowanych], cars are large,[link widoczny dla zalogowanych], metallic heat traps. Especially when the hot sun is penetrating through the windows, a car dashboard can reach extreme temperatures. The dashboard can be the most obvious space to leave a phone though and so it can be very easy to forget and leave it in the heat.
Finally remembering to use your apps and processes sparingly will help keep your phone from struggling to process too much a generating excess heat. It can be easy to leave miscellaneous internet search tabs running,[link widoczny dla zalogowanych], or to try using multiple apps at one time, this not only heats your phone but slows overall performance. So remember, once you've finished with one app, shut it down before opening another.
Remembering to keep your iPhone in a looser pocket will make a huge difference. The pocket of a jacket for example isn't so tight against your body, are often larger and have more room to swing and enjoy a cooler breeze. A difference as simple as considering the pocket you keep your phone in can have a genuine impact on the amount it suffers from heat and therefore increase your iPhone's longevity.
The iPhone is some full on science fiction style technology. The human race have never been so close to living in Star Trek than when they have the texting,[link widoczny dla zalogowanych], phoning,[link widoczny dla zalogowanych], internet surfing,[link widoczny dla zalogowanych], music playing,[link widoczny dla zalogowanych], video recording, touch screen iPhone in their hands. The newest iPhone even has a voice recognised robotic personal assistant that can communicate intuitively with users, so we can forgive that little box from suffering a few overheating problems.
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Overheating is not just annoying for the user who might lose information, get cut out in the middle of something and generally have to faff about waiting for it to cool down again. Overheating will adversely affect the inner workings of an iPhone; making them slower, have a lower battery life and leave them more prone to future damage.
By Cheri Bowden
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Apple representatives recommend that the iPhone should be kept at an optimal temperature of zero to thirty five degrees Celsius in order to avoid any overheating problems,[link widoczny dla zalogowanych].
So overheating isn't too hard to stop,[link widoczny dla zalogowanych], just remember a few simple steps to make sure your iPhone and you enjoy a long and happy relationship.
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When one looks for a relationship, there are emotional needs that one is looking for another person to fulfil within them. These needs can be conscious and known, and they can be unconscious and unknown.
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Sandra told me that she had tried all sorts of things to stay motivated to achieve success,[link widoczny dla zalogowanych], but found herself in an ever-repeating cycle that started out with self motivation, followed by lots of work,[link widoczny dla zalogowanych], followed by challenges and problems, followed by feeling of defeat and failure.
Most of us have something that we work on, and work on, and work on, but never allow ourselves to actually achieve.
Most causes of failure and relapse have more to do with your internal beliefs, many of which you are not even consciously aware of. You see, science has shown that we have 6 areas of the brain, 5 of which are in your subconscious. So if the one-sixth portion of your brain (your conscious mind) wants to change, and the remaining five-sixth of your brain (your subconscious mind) is filled with beliefs that don't want you to change... Well... guess which one is going to win! The stronger subconscious mind of course!
This is why it is vital for you to do the work to uncover those inner beliefs that are no longer effective in helping you to get what you want. Once you uncover the old beliefs you can change them into healthier, more effective beliefs that will easily and naturally support your efforts to be successful.
Is it time for you,[link widoczny dla zalogowanych]?
Have you run out of "willpower"?
Are you ready to break free,[link widoczny dla zalogowanych]?
Author',[link widoczny dla zalogowanych];s Bio:
Do you make promises to yourself that sound something like this: "This time it will be different,[link widoczny dla zalogowanych]. This time I'll work even harder. This time I'll make it!" And you summon up every ounce of your willpower and you start the cycle of self sabotage all over again,[link widoczny dla zalogowanych].
Whether you are working on building a business,[link widoczny dla zalogowanych], improving your health, increasing your income, or developing strong relationships,[link widoczny dla zalogowanych], quite often we start out full of excitement, motivation and energy, only to repeat a pattern of self sabotage that keeps us AWAY from the success we seek.
So she worked,[link widoczny dla zalogowanych], and she worked, and she worked to bring her dream to life... and suddenly it was 2011 and she was still in her corporate job, still aching to be out on her own.
Does any of this resonate with YOU?
She told me she felt like she was "showing up" and doing business building activities, but she also admitted that she had something inside her that she allowed to block her success.
In 2003 Sandra started thinking it was time for her to leave her long-time corporate career and go out on her own.
If it was just willpower that was needed, many more people would be successful. Willpower is like an elastic band, the more you force and stretch it, the tighter it gets and the harder it is to hold, until you no longer have the energy to keep it stretched and you let it snap back to its original shape.
Treat yourself to a better tomorrow. Break free from your self-imposed barriers today and live the happy, successful life you deserve!
By Troyann Williams,[link widoczny dla zalogowanych], Breakthrough Coach - Break Free University
See all Articles by Troyann WilliamsSee Troyann Williams's Expert PageGet Updates on Success PrinciplesGet Updates on Troyann Williams Average: 0 Your rating: None Tweet
She diligently used her willpower and spent many evenings putting together a Plan of Action, building lists of products to create, and making lists of things to include on her website.
In my first conversation with Sandra she told me about the many, many things she had tried over the years in her efforts to put herself into alignment with achieving success, but sadly,[link widoczny dla zalogowanych], none had really made much of a difference. And the next thing she told me was the most important part of our entire conversation. She said, "and I am ready now to do the work to break free from my inner self-imposed barriers!"
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[link widoczny dla zalogowanych]
[link widoczny dla zalogowanych]
When one looks for a relationship, there are emotional needs that one is looking for another person to fulfil within them. These needs can be conscious and known, and they can be unconscious and unknown.
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Your speech has tremendous potential to be everything that you desire. Start with a positive confession indicating the good results you expect to happen when you speak. Allow yourself to be relaxed and in a state of confidence. Remember it’s time to take action steps that will help you to overcome your fears. There are a lot of things that you will need to do to get ready for your presentation,[link widoczny dla zalogowanych]. You should be innovative in the way that you approach your speech,[link widoczny dla zalogowanych]. You can be creative if you do not wait until the last minute to prepare. Remember you are the expert on your topic,[link widoczny dla zalogowanych].
How to Eliminate Your Fear of Speaking
Dr. Stephen Jones
You can overcome your fears by doing the following:
1. You can quietly use deep breathing exercises before you give your speech. It will calm you down.
2. If possible go to the room where you will give the presentation and practice your presentation,[link widoczny dla zalogowanych].
3. Focus on the smiling faces in your audience.
4. Identify a coach who can give you positive feedback when you are preparing for your speech.
5. Practice, practice,[link widoczny dla zalogowanych], practice
6. Find a good environment that’s free of clutter to review your speech
7. Don’t tell the audience you are nervous
8. Expect success before your speaking event actually happens
Your confidence will increase as you invest time to research the organization that asked you to speak,[link widoczny dla zalogowanych]. Some presenters feel trapped because they have not asked for enough information from the conference leaders. It’s good to get the history of the organization. You want to know how the organization has maintained success over the years. Good preparation should be a part of your plan to reduce your fears and inspire your listeners. You should be well equipped to make small changes that will make your message clear.
Author',[link widoczny dla zalogowanych];s Bio:
By Dr. Stephen Jones
See all Articles by Dr,[link widoczny dla zalogowanych]. Stephen JonesSee Dr. Stephen Jones's Expert PageGet Updates on Public SpeakingGet Updates on Dr. Stephen Jones Average: 0 Your rating: None Tweet
The key is identifying ways to reduce your fears and anxieties. I always say a little anxiety is healthy,[link widoczny dla zalogowanych]. It acts as the adrenaline that propels you to have a successful speech,[link widoczny dla zalogowanych]. There are people who are sitting in the audience who want you to succeed. They selected you to provide a challenging message that will cause them to take action. They are excited to have you as their guest speaker.
There are some steps that you can take to overcome your fears. One of the most important activities that you can do is practice. When you practice you can clarify the direction of your speech. When your speech is well organized people will be able to follow your major points.
One of the secrets to overcoming your fears is involving your audience at the very beginning of your presentation. You can make a connection with them by sharing a story that demonstrates how you are connected. It’s amazing how your audience will connect with you when they feel that you are in their corner. Before you give your presentation take the time to listen to other motivational speakers. Listening to others will raise your feelings that you can deliver a great speech.
Deciding to become a speaker can be one of the most exciting aspects of a professional’s career. It’s amazing how something so enjoyable can ignite fear at the same time. Your fears can come from many different directions. Some speakers feel overwhelmed by the size of their audience while others feel pressured in a smaller setting,[link widoczny dla zalogowanych]. Fear can come from not really knowing your audience or from feeling unprepared. Other times looking at all of the other presenters in the conference can increase your desire to be perfect,[link widoczny dla zalogowanych]. Some speakers say it’s difficult to identify the reasons for their fears.
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[link widoczny dla zalogowanych]
[link widoczny dla zalogowanych]
When one looks for a relationship, there are emotional needs that one is looking for another person to fulfil within them. These needs can be conscious and known, and they can be unconscious and unknown.
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By TJ Philpott
See all Articles by TJ PhilpottGet Updates on Writing ToolsGet Updates on TJ Philpott Average: 0 Your rating: None Tweet
Author',[link widoczny dla zalogowanych];s Bio:
Writer's block is a common occurrence for anyone who frequently writes any type of composition,[link widoczny dla zalogowanych]. Whether you are trying to write an article or supply useful information in another format on a regular basis this nemesis will occasionally disrupt your progress. What is it that causes these disruptions to your creative thinking bringing the writing process to a screeching halt? Here are 5 common causes behind your 'temporary' inability to compose useful information for whatever need you may have.
For anyone ever having the need to write 'creatively' about any subject it is likely that you too have been stricken with writer's block. This temporary state renders you almost useless disrupting the writing process and increasing your frustrations,[link widoczny dla zalogowanych]. It matters little whether you are trying to write an article or compose some other type of useful information,[link widoczny dla zalogowanych]. This 'paralysis' of your ability to think creatively strikes out of nowhere and can leave you just as fast. The 5 common causes for these disruptions are discussed above and serve as a reminder that to overcome this 'assault' on your creative thinking you must first address the source. Being familiar with what is likely causing any unexpected shutdown of the writing process now gives you the chance to diffuse the problem.
Whether it is the popularity of the subject you are writing about,[link widoczny dla zalogowanych], your knowledge of the material or your own writing abilities,[link widoczny dla zalogowanych], self doubt can stop you in your tracks. Actually your own increasing doubts are the seeds to full blown anxieties of which we spoke of above. The only things that will help you overcome your own doubts are to do your homework and be confident in your own abilities.
Anxiety
Being anxious about something is a double edge sword in terms of your writing abilities,[link widoczny dla zalogowanych]. Anxiety will tend to tire you out along with significantly disrupting your focus,[link widoczny dla zalogowanych]. The only solution here is to address the source of your anxieties first so that your mind can better focus,[link widoczny dla zalogowanych].
Remember if you are continuously producing useful information for others to read, you are already in a minority. This alone should boost your confidence!
Your mind is no different than your body in terms of the rest it needs. When you are tired your ability to tap into any creative juices can be severely challenged. Writing in a state of fatigue will likely not only frustrate you but lengthen the writing process as well leading to further discouragement,[link widoczny dla zalogowanych]. You will be at your best when you are well rested,[link widoczny dla zalogowanych].
As mentioned above your focus is a significant key in your ability to write an article or produce any other type of content in an efficient manner,[link widoczny dla zalogowanych]. Select your 'work' space so that outside distractions are minimized.
Whether it is an 'outside' deadline or self imposed time limitations, the mental state this creates tends to tense you and restrict your ability to think creatively. Now not all people react negatively to pressure however the majority do and you may be one of them.
Fatigue
Distractions
Pressure
Self - Doubt
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[link widoczny dla zalogowanych]
Study shows that e-sourcing is rapidly increasing in awareness and also recognition. Several companies are benefiting immensely for both indirect and direct products and also services of the company.
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Author',[link widoczny dla zalogowanych];s Bio:
Individuals can file for bankruptcy without an attorney, but partnerships and corporations need one. But, it is highly recommended you do not file for bankruptcy without expert advice and guidance. Bankruptcy law is very complicated and it can be easy to miss a crucial step in the process. Something as simple as forgetting to file a required document could cost you the case, and have ongoing consequences that prevent you from filing your case again.
When you file for bankruptcy you must lodge a list of all debts and property that are included in the bankruptcy estate. If you forget to list a debt it may not be discharged. Also the court can decide not to discharge any debt if you act dishonestly in regards to your case (lying, falsifying records, etc).
There are non attorney’s that can prepare your petition ready to file to the bankruptcy court. Make sure that they fulfill all legal requirements. Petition preparers can not legally give legal advice of any sort. Their sole role is to fill in your bankruptcy forms. They cannot sign any documents or receive any money on your behalf and must clearly supply their name,[link widoczny dla zalogowanych], address and social security number on every document they prepare. A copy must also be given to you.
Filing for bankruptcy is a difficult and complex process,[link widoczny dla zalogowanych]; get all the advice you need before facing the dreaded bankruptcy questions,[link widoczny dla zalogowanych].
Beware,[link widoczny dla zalogowanych]; do not think bankruptcy is an easy option,[link widoczny dla zalogowanych]. You can wear the consequences for years to come,[link widoczny dla zalogowanych]. Fraud is a crime and the
bankruptcy court does random audits on debtors,[link widoczny dla zalogowanych], so make sure you have everything in order when they do.
How Broke are You,[link widoczny dla zalogowanych]?
By Bill Baxter
See all Articles by Roy BarkerGet Updates on Debt and Debt ConsolidationGet Updates on Roy Barker Average: 0 Your rating: None Tweet
You did everything right; wrote a business plan, managed your marketing and finances, and are disappointed it just has not worked out. There is so much mounting debt you start facing the dreaded bankruptcy questions.
- You are an undischarged bankrupt
- You are at least $1,[link widoczny dla zalogowanych],000 in debt
- Can not keep up with regular loan payments
- Your assets are worth less than you owe
You have done the sums. Looked at all the options. There is no escape so you are filing for bankruptcy. It is probably something you had always feared,[link widoczny dla zalogowanych], especially if you are a small business owner.
Should Someone Prepare Your Petition?
Can I File Without an Attorney?
To file for bankruptcy you must be insolvent,[link widoczny dla zalogowanych]. You are insolvent if:
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Study shows that e-sourcing is rapidly increasing in awareness and also recognition. Several companies are benefiting immensely for both indirect and direct products and also services of the company.
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Wysłany: Sob 17:10, 20 Lip 2013 Temat postu: |
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,[link widoczny dla zalogowanych]
If someone,[link widoczny dla zalogowanych], be it your wife,[link widoczny dla zalogowanych], your children or your business partner, depend on you in any way that can be seen as a financial dependency, then you do need life insurance. In the case of premature death your family will need money to pay your last expenses, like outstanding bills, funeral expenses,[link widoczny dla zalogowanych], attorney's fees, medical bills and estate taxes. The businessman will need life insurance to fund a "buy sell" agreement,[link widoczny dla zalogowanych], to pay off outstanding debt, or may be to keep the company afloat while they find a replacement for a deceased valuable employee.
One Parent Only Working
In todays world, in most families, both parents work and share the expenses. If one parent should prematurely die, would the income earned by the surviving parent be sufficient for the family to live on? Probably not. In anticipation of that possibility a fund could be set up,[link widoczny dla zalogowanych], through an Insurance policy, to replace,[link widoczny dla zalogowanych], totally or in part,[link widoczny dla zalogowanych], the deceased parents income.
Both Parents Working
By Donald Lusan
See all Articles by Donald LusanGet Updates on Personal FinanceGet Updates on Donald Lusan Average: 0 Your rating: None Tweet
I, therefore,[link widoczny dla zalogowanych], think it is imperative that everyone take the time to evaluate and understand what life insurance really can do. Ask yourself this question,[link widoczny dla zalogowanych], "do I need life insurance and why do I need it."
Let us look at the situation where you own your own business. You have one partner or several partners. One partner dies. Is it not fair that the surviving partners should own the business and the deceased partners family receive full value for his or her stock? Adequate Insurance coverage can take care of this eventuality also.
The ideal situation is to have sufficient funds which would allow the surviving parent not to work at all, during the formative years of the children. They can live in the same house, they can continue in the same school, and when the time comes to enter college, they go to the college of their choice.
In the case of a single parent, all the financial responsibilities for the family may lay on his or her shoulders. If that parents died while the children are still in school, how will the children survive?
Key Employee
Single Parent
Life insurance is one of those taboo subjects for normal,[link widoczny dla zalogowanych], casual or friendly conversation. Whenever people, however, develop a life threatening illness, have a close encounter with another vehicle on the highway,[link widoczny dla zalogowanych], or otherwise find themselves in a situation where they are likely to be rated or declined by an insurance company, they suddenly develop a desire for a good life insurance policy. To give credit where credit is due, there are some thoughtfully disciplined people who give their portfolios regular review and make certain they have adequate coverage at all times.
I want so much for all people to think like the disciplined ones. In my career as a life insurance agent I bent backwards to persuade such people to keep their life insurance up to date. I have seen the difference between an adequately insured breadwinner at death, and one who barely had enough life insurance to bury him. The latter situation is quite painful to observe.
Author's Bio:
It may be desirable by all parties concerned that the beneficiary of the deceased partner become a full and active partner, if this is the situation then the funds can be used as a cushion while the new partner or shareholder learns the business and adjusts to his or her new role.
A good insurance policy is an excellent tool that you can use to take care of these things.
Some employees are difficult to replace. It may take some time to get a replacement up to the production level of your long time, well seasoned and highly efficient employee. If your business depends a great deal on a particular key employee, would it not be wise to insure that employee in case he or she should die suddenly? The company would receive the death benefit in this case, and the money would be used to keep the company afloat, while a replacement is found and trained.
The most devastating situation occurs when one parent works and the other stays at home. Should the working parent die at a time when there are insufficient funds for the survivors to continue living in the manner to which they have become accustomed, then they may have to sell the house. The comforts which they had enjoyed for years would totally change. The minimal requirement is sufficient funds which would allow the survivors to adjust their lifestyle.
Partnership Or Corporation
I implore you to look at the following situations which will help you decide whether or not you need life insurance. So just try to relax and objectively as you can evaluate the situation for yourself.
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The ego LOVES to give people excuses on WHY NOT to change. Change is death to the EGO so just know that you are not battling with the actual person here, you are battling their EGO. Keep that in mind so you can have some compassion for your clients but don’t be nice to the EGO, it’s only an illusion and if you let your clients’ EGO win, then you haven’t served them at all. VERY important key to remember.
I’m working with a client right now who has been courageously delving into having her very first sales conversations and charging money for her services and she’s learning how to manage her fear around talking about money and how to handle sales objections,[link widoczny dla zalogowanych], and it brings me back to when I first started charging for my services and all of the self doubt I had that people would actually pay that much for my services.
Then you just be quite and listen to their brain processing - you are really serving here, you are in a powerful position of confidence and yet not attached to them saying yes, AND you are educating them on how their minds take them out of most games before they even begin to play it. This in itself starts to build a good sense of trust with your prospects.
You want to come with the energy of “I am totally loving, non attached but totally committed to helping my clients make the right decision and NOT chickening out on themselves.”
Author's Bio:
Another CLASSIC, classic, excuse nearly EVERYONE (and I do mean EVERYONE) will tell you when faced with the decision to change. Now they are weighing the cost of not making the change,[link widoczny dla zalogowanych], the benefits and the money in their mind. And again the EGO will pipe up with not having the money.
Then I shut up and listen to their brain churning and squirming...the Ego hates this – now you’re going to hear the real fears from your client...they might ask you if this really works or something along that lines they want proof.
Let’s jump straight into it. Here are some tips on how to handle the top 3 objections you’ll most likely hear from your clients,[link widoczny dla zalogowanych].
For Coaches, Consultants and Service Professionals
You have to take a stand for their higher selves. This is not self-serving – not at all and your clients will feel it if you are needy and if you need them to buy from you. When you come from this place of service – they feel it; you are not attached but totally committed. And that,[link widoczny dla zalogowanych], my friends, is very, very, powerful.
Then they might tell you the real concern they have and if not:
1- They are really too polite to tell you they are not interested or
2- This is someone who needs some time to really make a good decision so I tell them “ok cool – how about we re-convene in 24 hours tomorrow at XYZ time for 10 minutes – that should give you enough time to look at your finances, talk to your spouse, come up with any more questions you might have for me. Sound good?”
So now you start telling them lots and lots of testimonials about other clients who were in similar situations and how you helped them, the results they got. One after the other after the other don’t stop until they interrupt you with another question and they will...because you are now logically ending their fears with success stories. very different than answering by telling them “of course my program works” you are actually sharing with them 3rd party endorsements and that’s very powerful.
Give yourself the permission to be afraid,[link widoczny dla zalogowanych], to fail a bit on the way to getting it right – you will always have another chance, and if you screw up a conversation – no big deal, take what you need from it to learn, let it go and go have another one!
#3 - I don’t have the time
So I ask my clients “What will it cost you NOT to make any changes to your situation, in 12 months, 3 years,[link widoczny dla zalogowanych], 5 years?”
I also say “You know, not having the money and not having the time are always the top 2 excuses I hear from people and you know what – if money is an excuse here in your life I can guarantee you it’s an excuse you use everywhere else in your life not to get what you want. And you know what when someone really wants something – like a big screen TV – they find the money. They have an aunt or uncle or maybe they have to shuffle funds from a bank account but they come up with the money.”
By Vanessa Simpkins
See all Articles by Vanessa SimpkinsSee Vanessa Simpkins's Expert PageGet Updates on Sales TrainingGet Updates on Vanessa Simpkins Average: 0 Your rating: None Tweet
Then you make the app right away for the next day or in 48 hours but NEVER longer than that because their EGO will buy them out of making the decision. I actually tell my clients that on the phone – I warn them about how their EGO will find reasons and excuses NOT to go for it the longer they take time to THINK about it – that’s how the Ego works – that’s its job remember to keep you safe and protect you with fear. If the person does not want to make another app with you they are not really interested. So you’ll know right away.
#1 – Let me think about it
I use the same thing I mentioned above when someone responds with this answer. “If you don’t take the time you’ll never have it. Time is an illusion anyways. You create it, and the illusion that it even exists. I bet you don’t have time to do half the things you want to in your life – that’s the problem. I can help you with that too.”
Then I tell them about the excuses and the Ego part again, same thing.
Practice,[link widoczny dla zalogowanych], practice, practice! The more you practice sales conversations the better you get – and your job now is to fill your calendar with heart centered sales conversations with people who could say YES to you. That’s your #1 priority – if you spend 2-4 hours a day marketing yourself and making offers to your ideal clients and filling your calendar with sales conversations your cash flow will see a HUGE jump and your confidence will follow suit! I promise!
Please send me any questions, comments of concerns you have about selling your services I’m here to help.
I remember sweating and pacing while being on the phone, I was that nervous.
And as they start to feel safer and safer they will move closer to saying yes. Your job is to answer all of their fears and objections and once you have you will hear them actually start to convince YOU on why it’s the right idea to hire you. Let them talk and talk themselves into why it’s a good idea, don’t cut them off, they are selling themselves.
When people tell me they have to think about it I ask them what question they really have for me, usually there is something they are afraid to ask me. And if they say “No, I just have to think about, it I don’t make rash decisions” – I say “Listen – I’m committed to serving my clients get XYZ this year and I know that NOTHING happens until you make a decision and commit – either way if it’s a YES to work with me or a NO,[link widoczny dla zalogowanych], and ___(insert clients name)___ I’m not attached to working with you, I’d love to help you get results but I’m not attached to working with you in any way. What I want is to help you make a decision and I do know for sure is that I have not done my job or served you at all until you make a decision, either way weather it’s yes or no.”
If you’re struggling with closing the sale, or if you’re shying away from having sales conversations because you don’t want to come across as pushy in any way - you’ll love this article; it’s chock full of some of the juiciest nuggets and word for word sentences I have tested and proved to work. If you can master the sales process you will help more people and make more money, and that’s exactly what I am committed to helping you achieve so you just might want to print this off and keep it on your desk for future reference.
Your clients want to change or they would not have spent all this time and energy jumping through all these hoops to get to speak with you and invest their time into considering making this change,[link widoczny dla zalogowanych]. So now your job is to help them make a decision,[link widoczny dla zalogowanych]. The right decision,[link widoczny dla zalogowanych].
#2 - I don’t have the money
To Your Love, Expansion & Freedom
Vanessa
AND ALWAYS USE INTEGRITY here,[link widoczny dla zalogowanych]. What I am sharing with you here is YEARS AND YEARS of the trenches sales training. You’re never going to find this kind of information in any sales book –it simply doesn’t exist. So please don’t misuse it on anyone – make sure you are helping your ideal clients make the right decision to work with you. Don’t just use this stuff to sell anyone on your work if they are not the right fit. You can tell that IF they have gone through all of this with you and are still talking with you – it’s a good fit – you’ll sense it anyways you’ll know who you are meant to work with. Often times my clients will tell me I just KNOW I am meant to work with you.
After your prospective clients go through your sales process - and you have them on the phone and you make your offer and they tell you that they STILL need time to think about it – 2 things might be happening here.
Remember in part #1 of this 3-part article we talked a bit about the Ego.
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E-mail Advertising And Marketing Two Or Three Pie
[link widoczny dla zalogowanych]
Study shows that e-sourcing is rapidly increasing in awareness and also recognition. Several companies are benefiting immensely for both indirect and direct products and also services of the company.
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To maintain momentum.
Weekly reminders will help you establish the practices and habits you desire and will keep you plugging away on long-term projects.
Select one -- or more -- of the four ways of setting up weekly reminders,[link widoczny dla zalogowanych]. Give it a try over the next month.
We'd love to hear about your experiences maintaining momentum. In the comment box below, please tell us about the weekly reminders that have worked for you.
By Liisa Kyle PhD
See all Articles by Liisa KyleSee Liisa Kyle's Expert PageGet Updates on Personal DevelopmentGet Updates on Liisa Kyle Average: 5 Your rating: None Average: 5 (1 vote) Tweet
I'd love to hear about your experiences maintaining momentum. In the comment section below, please tell me about the weekly reminders that have worked for you.
If you'd rather go it alone,[link widoczny dla zalogowanych], then schedule regular time to focus on your talents or projects -- a block of a few hours, once or more a week can work wonders.
Yes, 15 or 30 minutes. Every week. You're worth it. Your talents and creative projects are worth it. If you'd like some tips on how to free up time for your talents, please read my article 'Time Management - How to Analyse your Time Use".
1. Sign up for relevant e-mail prompts.
3. Find a creative buddy and check in with each other weekly.
You can chat on the phone, get together in person or touch base by text, email or Facebook message. Pick someone who makes your heart sing -- someone you trust and find inspiring. The idea is to set regular goals and to keep yourself accountable. Keep things brief and simple. It's enough if each of you state your intentions for the next week. Seven days hence, fess up: how did you fare? What got done and what didn't? What do you intend to do over the next week?
So how best to do this? Here are four easy, effective ways to set up weekly reminders to keep you on track:
You can chat on the phone, get together in person or touch base by text, email or Facebook message. Pick someone who makes your heart sing -- someone you trust and find inspiring. The idea is to set regular goals and to keep yourself accountable. Keep things brief and simple. It's enough if each of you state your intentions for the next week. Seven days hence, fess up: how did you fare? What got done and what didn't? What do you intend to do over the next week?
*****
Be sure to reward yourself for doing what you set out to do each week.
The simplest, easiest way to receive weekly reminders is to subscribe to relevant, free weekly email prompts. Even though I write several series of prompts, I subscribe to a few others. Why? Prompts are automatic, free and effective. Even if you don't open them, seeing them in your inbox will at least remind you of your talents and your priorities. If you do open them and take a few moments to process their contents, all the better. As one of my subscribers told me, "I do treasure these prompts. Sometimes they make me grumpy because I don't want to do anything but cope with what I have in the moment....which is usually precisely when I need to refocus and see the larger picture. Anyway, thank you for doing this, I appreciate them." Another says, "I find the advice focused, practical, quick to employ and ultimately effective. I appreciate any support that moves my work forward." If you haven't already, give weekly prompts a chance. And if you're interested, you can sign up for mine at [link widoczny dla zalogowanych] or [link widoczny dla zalogowanych]
Activity:
Author's Bio:
*****
You may find that your initial plans a bit ambitious...but within a few weeks, you should be able to set weekly goals that are achievable.
So how best to do this? Here are four easy, effective ways to set up weekly reminders to keep you on track:
4. Sign up for a class or two.
*****
3. Find a creative buddy and check in with each other weekly.
*****
It's so easy for urgent items and random aspects of life to overtake your time and energy. By regularly reminding yourself about your talents and your creative projects, it's more likely you will keep them from being shoved aside by whatever life throws at you. Sure, you'll still need to attend to your car battery/sick sister/needy friend...but you're more apt to attend to these things without abandoning your creative projects completely.
The simplest,[link widoczny dla zalogowanych], easiest way to receive weekly reminders is to subscribe to relevant, free weekly email prompts. Even though I write several series of prompts, I subscribe to a few others. Why? Prompts are automatic, free and effective. Even if you don't open them, seeing them in your inbox will at least remind you of your talents and your priorities. If you do open them and take a few moments to process their contents, all the better. As one of my subscribers told me, "I do treasure these prompts. Sometimes they make me grumpy because I don't want to do anything but cope with what I have in the moment....which is usually precisely when I need to refocus and see the larger picture. Anyway, thank you for doing this, I appreciate them." Another says, "I find the advice focused,[link widoczny dla zalogowanych], practical, quick to employ and ultimately effective. I appreciate any support that moves my work forward." If you haven't already, give weekly prompts a chance -- you can sign up in the purple box located in the top right hand side of this page.
Weekly reminders will help you establish the practices and habits you desire and will keep you plugging away on long-term projects.
2. Set up a recurring weekly meeting with yourself. Agenda: your talents.
Yes, 15 or 30 minutes. Every week. You're worth it. Your talents and creative projects are worth it. If you'd like some tips on how to free up time for your talents, click here.
It's so easy for urgent items and random aspects of life to overtake your time and energy. By regularly reminding yourself about your talents and your creative projects, it's more likely you will keep them from being shoved aside by whatever life throws at you. Sure, you'll still need to attend to your car battery/sick sister/needy friend...but you're more apt to attend to these things without abandoning your creative projects completely.
Select one -- or more -- of the four ways of setting up weekly reminders,[link widoczny dla zalogowanych]. Give it a try over the next month.
(c) Liisa Kyle,[link widoczny dla zalogowanych], Ph.D.
Whether you're teaching or taking them, classes provide you with a regularly scheduled date with your talents and an opportunity to learn, grow and hone your skills. Classes allow you to interact with like-minded creative souls and to be exposed to new perspectives.
4. Sign up for a class or two,[link widoczny dla zalogowanych].
If you’d like to share or publish this article,[link widoczny dla zalogowanych], you may, if you include the author’s name (Liisa Kyle,[link widoczny dla zalogowanych], Ph.D.), copyright notice and the following text blurb:
Are you struggling with too many talents, skills, ideas? You may have The Da Vinci Dilemma™! Find tools, fun quizzes, coaching,[link widoczny dla zalogowanych], inspiration and solutions for multi-talented people at
You may find that your initial plans a bit ambitious...but within a few weeks, you should be able to set weekly goals that are achievable.
WHY BOTHER,[link widoczny dla zalogowanych]?
(a) To remind you what's important.
Be sure to reward yourself for doing what you set out to do each week.
*****
2. Set up a recurring weekly meeting with yourself. Agenda: your talents.
Whether you're teaching or taking them, classes provide you with a regularly scheduled date with your talents and an opportunity to learn, grow and hone your skills. Classes allow you to interact with like-minded creative souls and to be exposed to new perspectives.
To remind you what's important.
1. Sign up for relevant e-mail prompts.
*****
WHY BOTHER?
Activity:
As a multi-talented person, you've got a lot going on. It's very easy to be pulled in multiple directions, pretty much every day. Sure, you intend to write that novel/update that reel/submit that painting to the juried competition...but then the car battery dies and your sister gets sick and your buddy needs a favor and suddenly it's Friday and you haven't spent five minutes on your most important creative project. To keep yourself on track, establish the habit of using regularly scheduled weekly reminders of your talents and creative projects.
*****
As a multi-talented person, you've got a lot going on. It's very easy to be pulled in multiple directions, pretty much every day. Sure, you intend to write that novel/update that reel/submit that painting to the juried competition...but then the car battery dies and your sister gets sick and your buddy needs a favor and suddenly it's Friday and you haven't spent five minutes on your most important creative project. To keep yourself on track, establish the habit of using regularly scheduled weekly reminders of your talents and creative projects.
Schedule 15 or 30 minutes at the same time each week. Use this appointment to remind yourself of your major talents, projects and goals. Review the past week. Take a moment to note your accomplishments. Ask yourself: What's working well? What's not? What adjustments can you make going forward? Give some thought to what's most important for you in the upcoming week. Keep things simple and attainable. The idea is to motivate yourself -- not to stress you out.
If you'd rather go it alone, then schedule regular time to focus on your talents or projects -- a block of a few hours, once or more a week can work wonders.
(b) To maintain momentum.
Schedule 15 or 30 minutes at the same time each week. Use this appointment to remind yourself of your major talents,[link widoczny dla zalogowanych], projects and goals. Review the past week. Take a moment to note your accomplishments. Ask yourself: What's working well? What's not? What adjustments can you make going forward? Give some thought to what's most important for you in the upcoming week. Keep things simple and attainable. The idea is to motivate yourself -- not to stress you out.
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Study shows that e-sourcing is rapidly increasing in awareness and also recognition. Several companies are benefiting immensely for both indirect and direct products and also services of the company.
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By Walker Coote
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None of us would like to age. Even though that's inevitable,[link widoczny dla zalogowanych], all of us wish to seem vibrant. That is also suitable since youth has a magnificence that is absent in age. How anti oxidants can assist you in fighting aged seems to be? Permit us discover.
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Anti Oxidants: the way to use them. Most of the Vitamins including Vitamin C,[link widoczny dla zalogowanych], Vitamin E are anti oxidants. You get them from food. Beta-carotene that is usually a type of Vitamin a is surely an excellent anti oxidant. You get it from food items for instance carrots. You can also carry supplements of these Vitamins underneath a health practitioner's suggestions. Some Vitamins are unsafe in greater dose. Selenium is a different anti oxidant. Copper peptide is one more. Some of those anti oxidants are formulated in topical programs and is usually used to preserve the youthful appear of your skin. A lot of Vitamin formulations are accessible inside current market to battle getting older seems by software. Decide on a person meticulously that suits your skin kind. Speak with your physician and combat the getting older looks. Anti oxidants are our friends.
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Author',[link widoczny dla zalogowanych];s Bio: ,[link widoczny dla zalogowanych];
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By Adam Nicolson
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