Many people are skittish about life insurance, because they feel that it is useless, or it makes them face their mortality, or they may arrogantly think that they won't die. But let me reassure you, life insurance is not only useful, but also essential if you're young or old, or have a young family. Life Insurance should definitely be one piece of your financial portfolio.
BENEFITS OF LIFE INSURANCE
1) Protects your family - If you should die prematurely a life insurance policy will give your young family and spouse a financial buffer. The lost income can be devastating.
2) For children and young adults - accidents are a leading cause of death.
3) As you get older - it can help to defer funeral costs.
Life Insurance can help fill the gaps when you or someone you love passes away, as well as, helping to eliminate the stress and uncertainty of their future.
TYPES OF LIFE INSURANCE
There are different types of insurance, which can fit each individual's needs and situations. The different types and explanation of each are as follows:
Term Life Insurance - Term life gives you coverage for a particular period of time. (Builds No Cash Value)
Whole Life Insurance - Whole Life can give you protection for your entire life at a fixed rate. Whole Life builds up cash values, and in some cases, paid dividends.
Universal Life Insurance - Universal Life gives you more flexibility -- allowing you to adjust your premiums and to increase or decrease your death benefit.
Accident Insurance - Accident Insurance gives your family an income in the event of your accidental death.
To conclude, when I was younger, I felt that life insurance was a waste of my money. But that changed when I seen the results of what happens when a father of three young children died unexpectedly. He had no insurance to care for his three children. Not only did his wife and children have to deal emotionally with their loss, but it also left them financially crippled. From that moment on, I realized the importance of Life Insurance and what it can bring to my family - a financial safety net, and for me, peace of mind.
milan........................
Sunday, November 23, 2008
Monday, November 17, 2008
Long-Term Care Insurance: Eldercare Solution
When I suddenly had to become a fulltime caregiver to my elderly parents, both with health problems and starting to develop dementia (namely Alzheimer's), I had never even heard of Long-Term Care Insurance. After we burned through their life savings, and then started chipping away at mine, I was advised to apply for financial assistance for them through the government's Medicaid system--a program for those at the poverty level. It was quite a long process with mounds of paperwork and numerous investigations, but finally my parents were approved.
I was so happy that monetary help would finally be on the way, until I discovered that the financial assistance would only pay to put my parents in a nursing home, not even in Assisted Living, and with very little help to keep them in their own home.
Since their levels of care were so different (my mother needed most things done for her), there weren't any facilities that would allow them to be together. They'd be across the street from each other in different wings of the home. After fifty-five years of marriage, my parents were adamant about wanting to be together in their own home, in their own bed, where they could continue to cuddle and kiss--as they so frequently did. And, since my father was so "difficult" with a terrible temper and quite a long record of manipulative disruptive behaviors, the homes didn't want to deal with him anyway.
It was challenging, but I committed to keeping my parents in their own home and attending Adult Day Health Care five days a week. Then, with the help of two marvelous caregivers, after four more years of loving each other--they passed, just a few months apart. Even though caring for every aspect of my parents' last years was the hardest thing I have ever done--I am proud to say I gave them the best end-of-life I possibly could.
Had I only known to insist that we buy Long-Term Care Insurance for them prior to their illnesses--their years of in-home care could have been paid for, and I could have saved myself so much heartache, not to mention a small fortune. I encourage you to learn from my mistake and look into LTC insurance long before you need it-for your loved ones as well as yourself. Like fire insurance, hopefully, you'll never have to use it.
Also, call your local Area Agency on Aging, or Department of Aging, and ask if there are any financial programs, waivers or grants available in your area that you can apply for.
STARTLING STATISTICS
· An estimated 4.5 to 5 million Americans have Alzheimer's disease. In a Gallup poll, 1 in 10 Americans said that they had a family member with Alzheimer's, and 1 in 3 knew someone with the disease.
· Increasing age is the greatest risk factor for Alzheimer's. One in 10 individuals over 65 and nearly half over 85 are affected. Rare, inherited forms of Alzheimer's can even strike individuals in their 30's and 40's.
· A person with Alzheimer's disease will live an average of eight years and as many as 20 years or more from the first onset of symptoms.
· More than 7 out of 10 people with Alzheimer's disease live at home, where family and friends provide 80 percent of their care. The estimated value of this informal care is $257 billion annually.
· One half of the U.S. population has a chronic condition. More than one quarter (26.6%) of the adult population provide care for a chronically ill, disabled or aged family member or friend, which translates to more than 50 million people.
· 37% of caregivers are living in the same household as the person they care for. 54% are between 35 and 64 years of age. 59% of the adult population either is or expects to be a family caregiver, and 2 million more caregivers will be needed in the next twenty years.
· An estimated 43% of Americans age 65 or older will spend time in a nursing home. By 2012, 75% of Americans over age 65 will require long-term care. Long-term care costs are rising at 6% annually.
· The annual cost of Alzheimer's care in the U.S. is at least $100 billion, and will soar to at least $375 billion by mid-century, overwhelming our health care system and bankrupting Medicare and Medicaid.
· Alzheimer's disease costs American business $61 billion a year, which is equivalent to the net profits of the top 10 Fortune 500 companies. $24.6 billion covers Alzheimer health care, and $36.5 billion covers costs related to caregivers of individuals with Alzheimer's, including lost productivity, absenteeism and worker replacement.
THREE WAYS TO PAY FOR LONG-TERM CARE
1. Pay for in-home caregivers and assisted living/nursing homes out of pocket. This is expensive and can often deplete a family's life savings.
2. Meet a very specific poverty level and qualify for government assistance through the Medicaid program. Unfortunately, options are limited, only paying for nursing homes that accept Medicaid.
3. Buy a Comprehensive Long-Term Care Insurance policy. This protects your family's assets from the rising costs of caring for someone who needs full time care. An employer might pay the tax-deductible premiums. Consider buying it at a younger age, when more affordable and accessible. It must be bought before a major illness strikes. Medicare and regular health insurance does not pay for long-term care. The average cost for a person who needs long-term care is $40-$70,000 annually, depending on where you live, plus the cost to the family caregiver who may have to leave their job.
QUESTIONS TO ASK YOUR INSURANCE AGENT
--Is the coverage comprehensive, meaning it includes all levels of care: in the home, assisted living, board & care, and nursing/dementia facilities?
--What is the daily benefit?
--Is there 5% annually compounded inflation protection?
--What is the elimination period?
--Is it a lifetime benefit period or a limited time benefit policy?
--Is there a spousal discount?
--Can you hire caregivers privately as well as from an agency?
--Is the home care benefit based on a daily, weekly or monthly maximum, and if the benefit is not used, can it be used in the future?
--Does it cover home care coordination of services?
--How many ADL's (Activities of Daily Living) does it take to trigger a claim?
--Is there a time limit for filing a claim?
--Does it cover the cost of Adult Day Care & Adult Day Health Care, hospice and respite programs?
--Is it a tax-qualified plan?
--Is the company highly rated and have they ever raised premiums?
--Can you see the company's published annual audit to check their track record for paying claims?
milan,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
I was so happy that monetary help would finally be on the way, until I discovered that the financial assistance would only pay to put my parents in a nursing home, not even in Assisted Living, and with very little help to keep them in their own home.
Since their levels of care were so different (my mother needed most things done for her), there weren't any facilities that would allow them to be together. They'd be across the street from each other in different wings of the home. After fifty-five years of marriage, my parents were adamant about wanting to be together in their own home, in their own bed, where they could continue to cuddle and kiss--as they so frequently did. And, since my father was so "difficult" with a terrible temper and quite a long record of manipulative disruptive behaviors, the homes didn't want to deal with him anyway.
It was challenging, but I committed to keeping my parents in their own home and attending Adult Day Health Care five days a week. Then, with the help of two marvelous caregivers, after four more years of loving each other--they passed, just a few months apart. Even though caring for every aspect of my parents' last years was the hardest thing I have ever done--I am proud to say I gave them the best end-of-life I possibly could.
Had I only known to insist that we buy Long-Term Care Insurance for them prior to their illnesses--their years of in-home care could have been paid for, and I could have saved myself so much heartache, not to mention a small fortune. I encourage you to learn from my mistake and look into LTC insurance long before you need it-for your loved ones as well as yourself. Like fire insurance, hopefully, you'll never have to use it.
Also, call your local Area Agency on Aging, or Department of Aging, and ask if there are any financial programs, waivers or grants available in your area that you can apply for.
STARTLING STATISTICS
· An estimated 4.5 to 5 million Americans have Alzheimer's disease. In a Gallup poll, 1 in 10 Americans said that they had a family member with Alzheimer's, and 1 in 3 knew someone with the disease.
· Increasing age is the greatest risk factor for Alzheimer's. One in 10 individuals over 65 and nearly half over 85 are affected. Rare, inherited forms of Alzheimer's can even strike individuals in their 30's and 40's.
· A person with Alzheimer's disease will live an average of eight years and as many as 20 years or more from the first onset of symptoms.
· More than 7 out of 10 people with Alzheimer's disease live at home, where family and friends provide 80 percent of their care. The estimated value of this informal care is $257 billion annually.
· One half of the U.S. population has a chronic condition. More than one quarter (26.6%) of the adult population provide care for a chronically ill, disabled or aged family member or friend, which translates to more than 50 million people.
· 37% of caregivers are living in the same household as the person they care for. 54% are between 35 and 64 years of age. 59% of the adult population either is or expects to be a family caregiver, and 2 million more caregivers will be needed in the next twenty years.
· An estimated 43% of Americans age 65 or older will spend time in a nursing home. By 2012, 75% of Americans over age 65 will require long-term care. Long-term care costs are rising at 6% annually.
· The annual cost of Alzheimer's care in the U.S. is at least $100 billion, and will soar to at least $375 billion by mid-century, overwhelming our health care system and bankrupting Medicare and Medicaid.
· Alzheimer's disease costs American business $61 billion a year, which is equivalent to the net profits of the top 10 Fortune 500 companies. $24.6 billion covers Alzheimer health care, and $36.5 billion covers costs related to caregivers of individuals with Alzheimer's, including lost productivity, absenteeism and worker replacement.
THREE WAYS TO PAY FOR LONG-TERM CARE
1. Pay for in-home caregivers and assisted living/nursing homes out of pocket. This is expensive and can often deplete a family's life savings.
2. Meet a very specific poverty level and qualify for government assistance through the Medicaid program. Unfortunately, options are limited, only paying for nursing homes that accept Medicaid.
3. Buy a Comprehensive Long-Term Care Insurance policy. This protects your family's assets from the rising costs of caring for someone who needs full time care. An employer might pay the tax-deductible premiums. Consider buying it at a younger age, when more affordable and accessible. It must be bought before a major illness strikes. Medicare and regular health insurance does not pay for long-term care. The average cost for a person who needs long-term care is $40-$70,000 annually, depending on where you live, plus the cost to the family caregiver who may have to leave their job.
QUESTIONS TO ASK YOUR INSURANCE AGENT
--Is the coverage comprehensive, meaning it includes all levels of care: in the home, assisted living, board & care, and nursing/dementia facilities?
--What is the daily benefit?
--Is there 5% annually compounded inflation protection?
--What is the elimination period?
--Is it a lifetime benefit period or a limited time benefit policy?
--Is there a spousal discount?
--Can you hire caregivers privately as well as from an agency?
--Is the home care benefit based on a daily, weekly or monthly maximum, and if the benefit is not used, can it be used in the future?
--Does it cover home care coordination of services?
--How many ADL's (Activities of Daily Living) does it take to trigger a claim?
--Is there a time limit for filing a claim?
--Does it cover the cost of Adult Day Care & Adult Day Health Care, hospice and respite programs?
--Is it a tax-qualified plan?
--Is the company highly rated and have they ever raised premiums?
--Can you see the company's published annual audit to check their track record for paying claims?
milan,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
Sunday, November 9, 2008
Motor Vehicle Accident Insurance Claim Guide
This is a FREE Insurance Claim Guide
Your "Motor Vehicle" can be a truck, car, motorcycle - - you name it! If it's powered by a motor and has one, two, three, four (or even more) wheels this "Guide" is for you.
The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.
AFTER IMPACT CHECKLIST
We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A "Guide" to refer to so you'll be certain, should an accident take place, that you've covered everything.
Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:
IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver's face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It's most important to take pictures of: Skid or gouge mark's on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.
INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate
You Should Go Into Detail Regarding These (Below Listed) Six Areas:
(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your "Pain and Suffering") regarding any financial loss flowing directly from the injury you may have sustained.
MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, "Medical Specialist" and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your "Total Disability" and/or your "Partial Disability". These are of enormous value because they justify the often HUGE, extra payment made for your "Pain and Suffering" . (Plus this information will also prove your claim for Lost Wages).
NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.
(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You're often entitled to compensation for "Lost Time and Earnings" even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn't matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.
All of these constitute an element of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as "Lost Time And Earnings" but as "Lost Earning Capacity". In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area's of your loss) are found in CHAPTER FOUR "Damages" within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(3) PROPERTY DAMAGE LOSSES: "AGREED COST TO REPAIR": This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you're not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, "If it's not excluded, it's covered". Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A "Total Loss" is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and "Official" Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You're entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.
The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each "Injury Evaluation Factor" should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.
PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR "TOTAL" DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR "PARTIAL" DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both "Partial" and "Total" Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).
(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who's at fault! (You must read your policy carefully because the "Who", "Why" and/or "How" of this often differs).
A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!
(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjuster's head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of "Good Faith" vs. "Bad Faith".
All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.
DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.
milan................
Your "Motor Vehicle" can be a truck, car, motorcycle - - you name it! If it's powered by a motor and has one, two, three, four (or even more) wheels this "Guide" is for you.
The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.
AFTER IMPACT CHECKLIST
We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A "Guide" to refer to so you'll be certain, should an accident take place, that you've covered everything.
Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:
IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver's face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It's most important to take pictures of: Skid or gouge mark's on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.
INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate
You Should Go Into Detail Regarding These (Below Listed) Six Areas:
(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your "Pain and Suffering") regarding any financial loss flowing directly from the injury you may have sustained.
MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, "Medical Specialist" and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your "Total Disability" and/or your "Partial Disability". These are of enormous value because they justify the often HUGE, extra payment made for your "Pain and Suffering" . (Plus this information will also prove your claim for Lost Wages).
NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.
(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You're often entitled to compensation for "Lost Time and Earnings" even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn't matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.
All of these constitute an element of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as "Lost Time And Earnings" but as "Lost Earning Capacity". In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area's of your loss) are found in CHAPTER FOUR "Damages" within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(3) PROPERTY DAMAGE LOSSES: "AGREED COST TO REPAIR": This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you're not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, "If it's not excluded, it's covered". Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A "Total Loss" is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and "Official" Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You're entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.
The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each "Injury Evaluation Factor" should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.
PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR "TOTAL" DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR "PARTIAL" DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both "Partial" and "Total" Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).
(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who's at fault! (You must read your policy carefully because the "Who", "Why" and/or "How" of this often differs).
A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!
(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjuster's head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of "Good Faith" vs. "Bad Faith".
All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.
DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.
milan................
Tuesday, November 4, 2008
Long-Term Care Insurance: Eldercare Solution
When I suddenly had to become a fulltime caregiver to my elderly parents, both with health problems and starting to develop dementia (namely Alzheimer's), I had never even heard of Long-Term Care Insurance. After we burned through their life savings, and then started chipping away at mine, I was advised to apply for financial assistance for them through the government's Medicaid system--a program for those at the poverty level. It was quite a long process with mounds of paperwork and numerous investigations, but finally my parents were approved.
I was so happy that monetary help would finally be on the way, until I discovered that the financial assistance would only pay to put my parents in a nursing home, not even in Assisted Living, and with very little help to keep them in their own home.
Since their levels of care were so different (my mother needed most things done for her), there weren't any facilities that would allow them to be together. They'd be across the street from each other in different wings of the home. After fifty-five years of marriage, my parents were adamant about wanting to be together in their own home, in their own bed, where they could continue to cuddle and kiss--as they so frequently did. And, since my father was so "difficult" with a terrible temper and quite a long record of manipulative disruptive behaviors, the homes didn't want to deal with him anyway.
It was challenging, but I committed to keeping my parents in their own home and attending Adult Day Health Care five days a week. Then, with the help of two marvelous caregivers, after four more years of loving each other--they passed, just a few months apart. Even though caring for every aspect of my parents' last years was the hardest thing I have ever done--I am proud to say I gave them the best end-of-life I possibly could.
Had I only known to insist that we buy Long-Term Care Insurance for them prior to their illnesses--their years of in-home care could have been paid for, and I could have saved myself so much heartache, not to mention a small fortune. I encourage you to learn from my mistake and look into LTC insurance long before you need it-for your loved ones as well as yourself. Like fire insurance, hopefully, you'll never have to use it.
Also, call your local Area Agency on Aging, or Department of Aging, and ask if there are any financial programs, waivers or grants available in your area that you can apply for.
STARTLING STATISTICS
· An estimated 4.5 to 5 million Americans have Alzheimer's disease. In a Gallup poll, 1 in 10 Americans said that they had a family member with Alzheimer's, and 1 in 3 knew someone with the disease.
· Increasing age is the greatest risk factor for Alzheimer's. One in 10 individuals over 65 and nearly half over 85 are affected. Rare, inherited forms of Alzheimer's can even strike individuals in their 30's and 40's.
· A person with Alzheimer's disease will live an average of eight years and as many as 20 years or more from the first onset of symptoms.
· More than 7 out of 10 people with Alzheimer's disease live at home, where family and friends provide 80 percent of their care. The estimated value of this informal care is $257 billion annually.
· One half of the U.S. population has a chronic condition. More than one quarter (26.6%) of the adult population provide care for a chronically ill, disabled or aged family member or friend, which translates to more than 50 million people.
· 37% of caregivers are living in the same household as the person they care for. 54% are between 35 and 64 years of age. 59% of the adult population either is or expects to be a family caregiver, and 2 million more caregivers will be needed in the next twenty years.
· An estimated 43% of Americans age 65 or older will spend time in a nursing home. By 2012, 75% of Americans over age 65 will require long-term care. Long-term care costs are rising at 6% annually.
· The annual cost of Alzheimer's care in the U.S. is at least $100 billion, and will soar to at least $375 billion by mid-century, overwhelming our health care system and bankrupting Medicare and Medicaid.
· Alzheimer's disease costs American business $61 billion a year, which is equivalent to the net profits of the top 10 Fortune 500 companies. $24.6 billion covers Alzheimer health care, and $36.5 billion covers costs related to caregivers of individuals with Alzheimer's, including lost productivity, absenteeism and worker replacement.
THREE WAYS TO PAY FOR LONG-TERM CARE
1. Pay for in-home caregivers and assisted living/nursing homes out of pocket. This is expensive and can often deplete a family's life savings.
2. Meet a very specific poverty level and qualify for government assistance through the Medicaid program. Unfortunately, options are limited, only paying for nursing homes that accept Medicaid.
3. Buy a Comprehensive Long-Term Care Insurance policy. This protects your family's assets from the rising costs of caring for someone who needs full time care. An employer might pay the tax-deductible premiums. Consider buying it at a younger age, when more affordable and accessible. It must be bought before a major illness strikes. Medicare and regular health insurance does not pay for long-term care. The average cost for a person who needs long-term care is $40-$70,000 annually, depending on where you live, plus the cost to the family caregiver who may have to leave their job.
QUESTIONS TO ASK YOUR INSURANCE AGENT
--Is the coverage comprehensive, meaning it includes all levels of care: in the home, assisted living, board & care, and nursing/dementia facilities?
--What is the daily benefit?
--Is there 5% annually compounded inflation protection?
--What is the elimination period?
--Is it a lifetime benefit period or a limited time benefit policy?
--Is there a spousal discount?
--Can you hire caregivers privately as well as from an agency?
--Is the home care benefit based on a daily, weekly or monthly maximum, and if the benefit is not used, can it be used in the future?
--Does it cover home care coordination of services?
--How many ADL's (Activities of Daily Living) does it take to trigger a claim?
--Is there a time limit for filing a claim?
--Does it cover the cost of Adult Day Care & Adult Day Health Care, hospice and respite programs?
--Is it a tax-qualified plan?
--Is the company highly rated and have they ever raised premiums?
--Can you see the company's published annual audit to check their track record for paying claims?
milan...............
I was so happy that monetary help would finally be on the way, until I discovered that the financial assistance would only pay to put my parents in a nursing home, not even in Assisted Living, and with very little help to keep them in their own home.
Since their levels of care were so different (my mother needed most things done for her), there weren't any facilities that would allow them to be together. They'd be across the street from each other in different wings of the home. After fifty-five years of marriage, my parents were adamant about wanting to be together in their own home, in their own bed, where they could continue to cuddle and kiss--as they so frequently did. And, since my father was so "difficult" with a terrible temper and quite a long record of manipulative disruptive behaviors, the homes didn't want to deal with him anyway.
It was challenging, but I committed to keeping my parents in their own home and attending Adult Day Health Care five days a week. Then, with the help of two marvelous caregivers, after four more years of loving each other--they passed, just a few months apart. Even though caring for every aspect of my parents' last years was the hardest thing I have ever done--I am proud to say I gave them the best end-of-life I possibly could.
Had I only known to insist that we buy Long-Term Care Insurance for them prior to their illnesses--their years of in-home care could have been paid for, and I could have saved myself so much heartache, not to mention a small fortune. I encourage you to learn from my mistake and look into LTC insurance long before you need it-for your loved ones as well as yourself. Like fire insurance, hopefully, you'll never have to use it.
Also, call your local Area Agency on Aging, or Department of Aging, and ask if there are any financial programs, waivers or grants available in your area that you can apply for.
STARTLING STATISTICS
· An estimated 4.5 to 5 million Americans have Alzheimer's disease. In a Gallup poll, 1 in 10 Americans said that they had a family member with Alzheimer's, and 1 in 3 knew someone with the disease.
· Increasing age is the greatest risk factor for Alzheimer's. One in 10 individuals over 65 and nearly half over 85 are affected. Rare, inherited forms of Alzheimer's can even strike individuals in their 30's and 40's.
· A person with Alzheimer's disease will live an average of eight years and as many as 20 years or more from the first onset of symptoms.
· More than 7 out of 10 people with Alzheimer's disease live at home, where family and friends provide 80 percent of their care. The estimated value of this informal care is $257 billion annually.
· One half of the U.S. population has a chronic condition. More than one quarter (26.6%) of the adult population provide care for a chronically ill, disabled or aged family member or friend, which translates to more than 50 million people.
· 37% of caregivers are living in the same household as the person they care for. 54% are between 35 and 64 years of age. 59% of the adult population either is or expects to be a family caregiver, and 2 million more caregivers will be needed in the next twenty years.
· An estimated 43% of Americans age 65 or older will spend time in a nursing home. By 2012, 75% of Americans over age 65 will require long-term care. Long-term care costs are rising at 6% annually.
· The annual cost of Alzheimer's care in the U.S. is at least $100 billion, and will soar to at least $375 billion by mid-century, overwhelming our health care system and bankrupting Medicare and Medicaid.
· Alzheimer's disease costs American business $61 billion a year, which is equivalent to the net profits of the top 10 Fortune 500 companies. $24.6 billion covers Alzheimer health care, and $36.5 billion covers costs related to caregivers of individuals with Alzheimer's, including lost productivity, absenteeism and worker replacement.
THREE WAYS TO PAY FOR LONG-TERM CARE
1. Pay for in-home caregivers and assisted living/nursing homes out of pocket. This is expensive and can often deplete a family's life savings.
2. Meet a very specific poverty level and qualify for government assistance through the Medicaid program. Unfortunately, options are limited, only paying for nursing homes that accept Medicaid.
3. Buy a Comprehensive Long-Term Care Insurance policy. This protects your family's assets from the rising costs of caring for someone who needs full time care. An employer might pay the tax-deductible premiums. Consider buying it at a younger age, when more affordable and accessible. It must be bought before a major illness strikes. Medicare and regular health insurance does not pay for long-term care. The average cost for a person who needs long-term care is $40-$70,000 annually, depending on where you live, plus the cost to the family caregiver who may have to leave their job.
QUESTIONS TO ASK YOUR INSURANCE AGENT
--Is the coverage comprehensive, meaning it includes all levels of care: in the home, assisted living, board & care, and nursing/dementia facilities?
--What is the daily benefit?
--Is there 5% annually compounded inflation protection?
--What is the elimination period?
--Is it a lifetime benefit period or a limited time benefit policy?
--Is there a spousal discount?
--Can you hire caregivers privately as well as from an agency?
--Is the home care benefit based on a daily, weekly or monthly maximum, and if the benefit is not used, can it be used in the future?
--Does it cover home care coordination of services?
--How many ADL's (Activities of Daily Living) does it take to trigger a claim?
--Is there a time limit for filing a claim?
--Does it cover the cost of Adult Day Care & Adult Day Health Care, hospice and respite programs?
--Is it a tax-qualified plan?
--Is the company highly rated and have they ever raised premiums?
--Can you see the company's published annual audit to check their track record for paying claims?
milan...............
Sunday, November 2, 2008
How To Negotiate A Settlement With An Insurance Claims Adjuster
You and I. M. Strong, the adjuster from Granite Mountain Insurance, are sitting at your kitchen table in an attempt to settle your motor vehicle accident claim.
Strong is all wound up and on the offensive, rambling on and on about how your injuries weren't serious. His typical pitch usually goes something like, "Look, I've been at this a long time. I've talked to people like you, day in and day out, for over twenty years. People who've gone through exactly what happened to you, with the same sort of claim as yours. Sure, you had a period of discomfort but your so-called injuries were routine. Believe me when I tell you they aren't worth much."
You're stunned. You can't believe what Strong is trying to pull. You say, "I've been miserable! There was no way I could get back to work because of the pain in my neck and back."
Strong shift's in his seat and a victorious look (one that says he knows it all) begins to march across his face. At that point he predictably states, "Look, I can tell you, after handling thousands of cases like yours, that the discomfort you may have had, for a couple of days at the most, are relatively minor. They don't even come close to justifying the three week's of work you lost and the disability you and your doctor are claiming".
Now you're thunderstruck! He smiles to himself and comes at you from another angle, "I've seen thousands of cases like yours and I've had more than my share of exposure to personal injury claims, examinations, doctor-talk and recovery - - the whole nine yards. I've seen physical trauma at its slightest and its worst. Any judge or jury would know, once they heard about your so-called 'injuries' that your physical problems were almost non-existent".
He'll take a minute to let that sink in and then he'll attempt to sway you even more by telling you he can prove your time lost from work was not compatible with the injury involved. He'll hint around about some "independent information" he's supposedly gathered from your neighbors and/or business associates, which indicate you've been involved in "very active" physical activities since the accident.
Once he lets that one sink in he'll ramble on about the "independent examination" the doctor hired by Granite Mountain executed, telling you, with outrageous confidence, that his doctors Medical Report states there was little, if anything, wrong with you. Then he'll surely try this one on for size: "My doctor is a professional .The only people he ever sees are those who've been in motor vehicle accidents. That's what he does all day long, check out personal injury claims like yours. His report clearly states your physical problems were almost non-existent".
He hums a happy tune to himself as he observes the amazement marching across your face and that drum beat he's heard so very often begins to pound away within the gray matter between his ears: Boom/Boom/Boom, declaring, "I gotcha!, I gotcha!, I gotcha!, I gotcha!"
If you let Strong get away with that than his attempt at downgrading your disability will have been successful. As a way of "proving" what happened to you wasn't serious he'll describe your "so-called injuries" with fancy medical language and then compare them to the more extreme types of personal injury problems or conditions he's dealt with in the past. The implication being yours were obviously minor and have little, if any, value.
At that point he'll read the statements and opinions in your own attending physicians Medical Report in such a way which, if not read properly, he'll insist proves, "You may have been a little sore from a slight injury but it clearly states you certainly didn't have any serious physical problems". (You can bet every dollar in your wallet that he's made that statement several thousand times)!
You're quickly discovering that neither Adjuster I. M. Strong nor his supervisors at Granite Mountain Insurance are going to be fair. They're out to take advantage of you. That's the name of their game and that's what they get paid to do. Question: Is that really true? Answer: Yes, it's really true. Take it from Dan, I was on that firing line for 30 years!
From that point on you shut down. You be the listener. Let him babble on. When he's finally done, you say, "Your points about my injuries are very interesting. I'd like to discuss them in detail with my doctor". Pause and then add, "We'll call this off for now while I go back and consult with him."
Before he answers you should get up, smile, point towards the kitchen door and bid him "Goodbye". If he balks, sneak a peek at your watch, tell him you're late for another appointment and insist your meeting is over. He'll have no choice but to leave.
If you do that here's what you'll have accomplished:
(1) You'll have seized the bargaining "momentum" and control from the adjuster and, if you remain adamant he'll never get them back.
(2) Served notice on him that it's you, not he, who will now call the shots in the negotiation "Power Game" he's been playing.
(3) Impressed the adjuster that the settlement will be done on your terms, not his.
You may ask: Okay, I threw the adjuster out and let him politely but surely know I'm not going to buy into his nonsense. So, when this all gets played out, what have I accomplished?
The answer is: I. M. Strong is aware you've not bought into his pitch and in his secret heart he perceives that reality. For those in the home office (so as to know exactly where they stand) his instructions have always been that everything that passed between the two of you is placed into the report's he continues to send in, regarding the settlement talk's he's been having with you. So, the fact that you're not buying his story, will go into your file to be read by that adjusters superiors.
Once they do they'll have no choice but to conclude that you're no pushover!
You're going to stick to your guns because you're right and the Medical Report your attending physician executed for Adjuster Smart is legit. You know that both your "pain and suffering" and the length of recovery from your injuries, has been clearly stated.
Smart has correctly assumed that you're not accepting his usual pitch, filled with mumbo-jumbo nonsense, yet so often works. It's beginning to dawn on him if he doesn't change his tactics you're going to hand you case over to an attorney and his superiors at Granite Mountain won't be dancing for joy should that come to pass.
Wait five or six weeks then call Smart and ask him to come back to talk some more. I flat out guarantee you the next time you meet the power will have shifted into your corner and you'll never again hear him attempt to minimize your injuries. That often comes to pass because he's received this typical six word, one line memo, from his supervisor at the home office, "Settle this one and move on".
Granite Mountain will have reached the point where they're satisfied to pay and get rid of you. Why? Because personal injury claims continue to pile up and clog their incoming pipeline. They've got a lot of other unsuspecting prey to trap and shoot and it's clear you're an individual who's too wise, too tough and too difficult for them to fuss with any longer.
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor (name of magazine/newsletter and/or web site) make any guarantee of any kind whosoever; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.
milan...................
Strong is all wound up and on the offensive, rambling on and on about how your injuries weren't serious. His typical pitch usually goes something like, "Look, I've been at this a long time. I've talked to people like you, day in and day out, for over twenty years. People who've gone through exactly what happened to you, with the same sort of claim as yours. Sure, you had a period of discomfort but your so-called injuries were routine. Believe me when I tell you they aren't worth much."
You're stunned. You can't believe what Strong is trying to pull. You say, "I've been miserable! There was no way I could get back to work because of the pain in my neck and back."
Strong shift's in his seat and a victorious look (one that says he knows it all) begins to march across his face. At that point he predictably states, "Look, I can tell you, after handling thousands of cases like yours, that the discomfort you may have had, for a couple of days at the most, are relatively minor. They don't even come close to justifying the three week's of work you lost and the disability you and your doctor are claiming".
Now you're thunderstruck! He smiles to himself and comes at you from another angle, "I've seen thousands of cases like yours and I've had more than my share of exposure to personal injury claims, examinations, doctor-talk and recovery - - the whole nine yards. I've seen physical trauma at its slightest and its worst. Any judge or jury would know, once they heard about your so-called 'injuries' that your physical problems were almost non-existent".
He'll take a minute to let that sink in and then he'll attempt to sway you even more by telling you he can prove your time lost from work was not compatible with the injury involved. He'll hint around about some "independent information" he's supposedly gathered from your neighbors and/or business associates, which indicate you've been involved in "very active" physical activities since the accident.
Once he lets that one sink in he'll ramble on about the "independent examination" the doctor hired by Granite Mountain executed, telling you, with outrageous confidence, that his doctors Medical Report states there was little, if anything, wrong with you. Then he'll surely try this one on for size: "My doctor is a professional .The only people he ever sees are those who've been in motor vehicle accidents. That's what he does all day long, check out personal injury claims like yours. His report clearly states your physical problems were almost non-existent".
He hums a happy tune to himself as he observes the amazement marching across your face and that drum beat he's heard so very often begins to pound away within the gray matter between his ears: Boom/Boom/Boom, declaring, "I gotcha!, I gotcha!, I gotcha!, I gotcha!"
If you let Strong get away with that than his attempt at downgrading your disability will have been successful. As a way of "proving" what happened to you wasn't serious he'll describe your "so-called injuries" with fancy medical language and then compare them to the more extreme types of personal injury problems or conditions he's dealt with in the past. The implication being yours were obviously minor and have little, if any, value.
At that point he'll read the statements and opinions in your own attending physicians Medical Report in such a way which, if not read properly, he'll insist proves, "You may have been a little sore from a slight injury but it clearly states you certainly didn't have any serious physical problems". (You can bet every dollar in your wallet that he's made that statement several thousand times)!
You're quickly discovering that neither Adjuster I. M. Strong nor his supervisors at Granite Mountain Insurance are going to be fair. They're out to take advantage of you. That's the name of their game and that's what they get paid to do. Question: Is that really true? Answer: Yes, it's really true. Take it from Dan, I was on that firing line for 30 years!
From that point on you shut down. You be the listener. Let him babble on. When he's finally done, you say, "Your points about my injuries are very interesting. I'd like to discuss them in detail with my doctor". Pause and then add, "We'll call this off for now while I go back and consult with him."
Before he answers you should get up, smile, point towards the kitchen door and bid him "Goodbye". If he balks, sneak a peek at your watch, tell him you're late for another appointment and insist your meeting is over. He'll have no choice but to leave.
If you do that here's what you'll have accomplished:
(1) You'll have seized the bargaining "momentum" and control from the adjuster and, if you remain adamant he'll never get them back.
(2) Served notice on him that it's you, not he, who will now call the shots in the negotiation "Power Game" he's been playing.
(3) Impressed the adjuster that the settlement will be done on your terms, not his.
You may ask: Okay, I threw the adjuster out and let him politely but surely know I'm not going to buy into his nonsense. So, when this all gets played out, what have I accomplished?
The answer is: I. M. Strong is aware you've not bought into his pitch and in his secret heart he perceives that reality. For those in the home office (so as to know exactly where they stand) his instructions have always been that everything that passed between the two of you is placed into the report's he continues to send in, regarding the settlement talk's he's been having with you. So, the fact that you're not buying his story, will go into your file to be read by that adjusters superiors.
Once they do they'll have no choice but to conclude that you're no pushover!
You're going to stick to your guns because you're right and the Medical Report your attending physician executed for Adjuster Smart is legit. You know that both your "pain and suffering" and the length of recovery from your injuries, has been clearly stated.
Smart has correctly assumed that you're not accepting his usual pitch, filled with mumbo-jumbo nonsense, yet so often works. It's beginning to dawn on him if he doesn't change his tactics you're going to hand you case over to an attorney and his superiors at Granite Mountain won't be dancing for joy should that come to pass.
Wait five or six weeks then call Smart and ask him to come back to talk some more. I flat out guarantee you the next time you meet the power will have shifted into your corner and you'll never again hear him attempt to minimize your injuries. That often comes to pass because he's received this typical six word, one line memo, from his supervisor at the home office, "Settle this one and move on".
Granite Mountain will have reached the point where they're satisfied to pay and get rid of you. Why? Because personal injury claims continue to pile up and clog their incoming pipeline. They've got a lot of other unsuspecting prey to trap and shoot and it's clear you're an individual who's too wise, too tough and too difficult for them to fuss with any longer.
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor (name of magazine/newsletter and/or web site) make any guarantee of any kind whosoever; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.
milan...................
Saturday, November 1, 2008
Distance Learning, Online Education, Electronic Education, Electronic Learning?Call It What You Want
Whatever you want to label "learning at home" and however you want to define the latest buzz words for non-traditional education, you can find a program and method that suits your needs. Right now over 1.2 million people in the U.S. participate in some form of distance learning, with a projected expansion to 2.3 million in just a few years.
In looking at this rapidly expanding and viable form of education and training, there are a few basic things you need to consider and some decisions you need to make in order to create the environment that will best suit your needs. You need to know the what, the why, the benefits and the how of the various forms of distance learning.
Distance learning (correspondence courses) started in Europe in the 1800's and has evolved into a multifaceted term that serves many purposes. Some of the forms of distance learning are: correspondence courses, online education, internet based education, electronic education, e-education, electronic learning, and e-learning. How these terms differ will depend upon how the institution defines and labels the programs which they offer. To simplify the whole concept, let's say that these terms represent ways of learning away from a "brick and mortar" facility. Some distance learning and/or online programs may or may not be connected to a university or college. There are many programs that are independent and are not affiliated with any institution.
Distance learning offers a variety of paths to personal goals which include: GED, associate degrees, bachelor degrees, graduate certificates, master degrees, doctoral degrees, non-credit training courses, and others. Whether a person is seeking a degree, keeping professional skills updated, or pursuing skills for an interest area or hobby, there is a program or offering that should work.
Why are so many people turning to distance learning? What are its advantages? On a personal level look at such pros as: maintaining privacy; provides convenience; enables a flexible schedule; allows for balancing job and family obligations; working at own pace, going slowly or accelerating learning; can be less expensive; great for homebound individuals; no unnecessary travel; no formal class attendance; and can "learn while you earn." These are a few of the many things that are causing quite a number of people to take an entirely different approach to attaining knowledge/skills and/or earning a degree.
Those who advocate against an alternative of distance learning, often site the lack of socialization which is a part of a traditional type of education. However, not everyone is looking for the classroom activities, college events/parties, and the interactions that are a part of a school campus. Many of the classroom activities such as discussion and support can be achieved online. The other things that an online education will reinforce are: reading - ebooks, up to date references, current research; listening - through audio lectures or clips; seeing- through graphic illustrations and demonstrations; doing - assignments, quizzes, exams, research papers; and speaking/communication - through email, chats, and electronic discussions. A distance learning program can be far more than just reading and writing.
What are the requirements for becoming a part of a distance learning program? Many programs require a minimum of a GED or taking an admissions test. Usually, the process for applying will include: an application; transcripts; test scores; an essay; and letters of recommendation. The less formal the program, the less formal the requirements. There is a wide range in answering this questions. However, what is necessary for an online program is the right computer equipment with the internet connection (high speed), word processing capability; email; and multimedia player. The program you choose will provide more specific details for recommendation about equipment and software.
In choosing a program there some questions to ask as you do your research and make your selection. Ask about the following: help/support is offered; qualifications of the instructors; number of years the institution has provided services; is it an accredited program; details about the curriculum; and multimedia elements of the program. By the way, accreditation is voluntary since there is no officially sanctioned entity in existence. However, most schools considered the six regional accrediting agencies listings to be legitimate agencies. Ask if it is regionally accredited.
The last thing you need to think about is your motivation and work ethic. If you are a good reader (good reading comprehension skills) who doesn't procrastinate and can avoid distractions, you will be a good candidate for an alternative approach to education. In this age of global education and the need for current knowledge and skills, this is a fast delivery system that will bring all the technological advancement right into your living room instantaneously. It works for more than a million people, and it can work for you.
milan..................
In looking at this rapidly expanding and viable form of education and training, there are a few basic things you need to consider and some decisions you need to make in order to create the environment that will best suit your needs. You need to know the what, the why, the benefits and the how of the various forms of distance learning.
Distance learning (correspondence courses) started in Europe in the 1800's and has evolved into a multifaceted term that serves many purposes. Some of the forms of distance learning are: correspondence courses, online education, internet based education, electronic education, e-education, electronic learning, and e-learning. How these terms differ will depend upon how the institution defines and labels the programs which they offer. To simplify the whole concept, let's say that these terms represent ways of learning away from a "brick and mortar" facility. Some distance learning and/or online programs may or may not be connected to a university or college. There are many programs that are independent and are not affiliated with any institution.
Distance learning offers a variety of paths to personal goals which include: GED, associate degrees, bachelor degrees, graduate certificates, master degrees, doctoral degrees, non-credit training courses, and others. Whether a person is seeking a degree, keeping professional skills updated, or pursuing skills for an interest area or hobby, there is a program or offering that should work.
Why are so many people turning to distance learning? What are its advantages? On a personal level look at such pros as: maintaining privacy; provides convenience; enables a flexible schedule; allows for balancing job and family obligations; working at own pace, going slowly or accelerating learning; can be less expensive; great for homebound individuals; no unnecessary travel; no formal class attendance; and can "learn while you earn." These are a few of the many things that are causing quite a number of people to take an entirely different approach to attaining knowledge/skills and/or earning a degree.
Those who advocate against an alternative of distance learning, often site the lack of socialization which is a part of a traditional type of education. However, not everyone is looking for the classroom activities, college events/parties, and the interactions that are a part of a school campus. Many of the classroom activities such as discussion and support can be achieved online. The other things that an online education will reinforce are: reading - ebooks, up to date references, current research; listening - through audio lectures or clips; seeing- through graphic illustrations and demonstrations; doing - assignments, quizzes, exams, research papers; and speaking/communication - through email, chats, and electronic discussions. A distance learning program can be far more than just reading and writing.
What are the requirements for becoming a part of a distance learning program? Many programs require a minimum of a GED or taking an admissions test. Usually, the process for applying will include: an application; transcripts; test scores; an essay; and letters of recommendation. The less formal the program, the less formal the requirements. There is a wide range in answering this questions. However, what is necessary for an online program is the right computer equipment with the internet connection (high speed), word processing capability; email; and multimedia player. The program you choose will provide more specific details for recommendation about equipment and software.
In choosing a program there some questions to ask as you do your research and make your selection. Ask about the following: help/support is offered; qualifications of the instructors; number of years the institution has provided services; is it an accredited program; details about the curriculum; and multimedia elements of the program. By the way, accreditation is voluntary since there is no officially sanctioned entity in existence. However, most schools considered the six regional accrediting agencies listings to be legitimate agencies. Ask if it is regionally accredited.
The last thing you need to think about is your motivation and work ethic. If you are a good reader (good reading comprehension skills) who doesn't procrastinate and can avoid distractions, you will be a good candidate for an alternative approach to education. In this age of global education and the need for current knowledge and skills, this is a fast delivery system that will bring all the technological advancement right into your living room instantaneously. It works for more than a million people, and it can work for you.
milan..................
Wednesday, October 29, 2008
How to Save Money AND help the planet
Don't all of us love to have the money to do the fun things that bring us joy? Not that all fun things require money, mind you, on the contrary! But have you ever wanted to read that awesome-looking new book, eat at that new green restaurant in town or throw a party for friends and family...only to be short a little cash?
Here are few tips:
1. Give your hot water tank a blanket.
There's this neat thing called Reflectix, have you heard of it? Wow. It's basically insulation for your hot water tank...in the form of shiny aluminum foil, but slightly thicker. And just as easy to manipulate. Just roll out the amount needed, wrap your hot water tank, and secure it with a special shiny tape, almost like gift wrapping your tank.
Net result? You'll save a bunch off your heating bills! And by saving energy to heat your water, you help the planet enormously! (Reflectix can also be used to insulate heating ducts.) Buy it in rolls of all different sizes at your local hardware store and go nuts!! Very cool stuff.
2. Grow your hair long OR...shave it all off.
Okay, call me crazy, but what is it with the hair thing? Cutting it off, letting it grow, trying this style, that style...I don't know about you, but I'm a real no-nonsense kind of gal. And a while back, I decided to let my hair grow and go as long as I could without a cut. (About six months.) It was quite liberating! And by conservative estimates, I saved probably close to $100 dollars in those six months! ($30 dollar haircut every two months, plus tip.) Of course, I had a style that didn't grow out, so I looked fine (or at least no one TOLD me I didn't.)
How does this help the planet, you ask? Well, as with all the money saving tips in this issue, the more money you save, the less you have to work for it. The less you have to work for it, the less you have to commute, use your car/gasoline, eat out for lunch/dinner...etc. etc. Get what I mean?
Whether man or woman, let me ask you this. What if you were to decide to let your hair grow and forego haircuts for a period of time? Or, go the other route like my husband Mike and shave it all off, that way you can do it yourself, every time! I don't think Mike's spent a cent on cutting his hair for nearly five years, and of course, he looks fab as always...
Radical? Maybe. But it does save money AND helps the planet. Think about it and maybe it's for you...even if it's just for a few months.
3. Sit on your toilet paper roll.
Giggle. Yes, you can help the planet and save money...by squishing your toilet paper roll before you put it on its holder. How's that? Well, simple really. By flattening your roll, (sitting on it, stepping on it, whatever) you make it harder to take too much toilet paper at once. You know how sometimes you give it too much of a yank, and there you have it, toilet paper all over? No use trying to roll it back up, right? Well, that's wasted paper and money.
By flattening it first, the roll moves slower, and you can take just the right amount. A great money and planet saving tip for ANYONE to try, from die hard environmentalists to newbies, especially if you make a point of buying the toilet paper with recycled paper content in it!
Go on, this is one you can try right now! Go squish your toilet paper rolls, then come back and finish reading. Yay!
4.Speak up.
I'll finish off with a REALLY easy one okay? It promises to save you money AND help the planet...and it's fun too. A true-blue Joy to the Planet tip. And that is...speak up! Meaning...when in doubt, have a conversation. You really want to do something great for the planet? Well, you heard me right. Start talking. Pick any of the ten items on this list and talk about...how cool, how easy, how hard, how crazy...each is.
It's simple really. By having a conversation instead of going to the movies, to the mall, or out for food, you inevitably, inexorably, save money, and probably enjoy yourself more too! Who doesn't like a hearty chest-pounding yack-fest with a friend? At the same time, just talking about how to help the planet is a really low-tech, sure fire way to get people thinking more about these things, and that is a great thing.
milan......................
Here are few tips:
1. Give your hot water tank a blanket.
There's this neat thing called Reflectix, have you heard of it? Wow. It's basically insulation for your hot water tank...in the form of shiny aluminum foil, but slightly thicker. And just as easy to manipulate. Just roll out the amount needed, wrap your hot water tank, and secure it with a special shiny tape, almost like gift wrapping your tank.
Net result? You'll save a bunch off your heating bills! And by saving energy to heat your water, you help the planet enormously! (Reflectix can also be used to insulate heating ducts.) Buy it in rolls of all different sizes at your local hardware store and go nuts!! Very cool stuff.
2. Grow your hair long OR...shave it all off.
Okay, call me crazy, but what is it with the hair thing? Cutting it off, letting it grow, trying this style, that style...I don't know about you, but I'm a real no-nonsense kind of gal. And a while back, I decided to let my hair grow and go as long as I could without a cut. (About six months.) It was quite liberating! And by conservative estimates, I saved probably close to $100 dollars in those six months! ($30 dollar haircut every two months, plus tip.) Of course, I had a style that didn't grow out, so I looked fine (or at least no one TOLD me I didn't.)
How does this help the planet, you ask? Well, as with all the money saving tips in this issue, the more money you save, the less you have to work for it. The less you have to work for it, the less you have to commute, use your car/gasoline, eat out for lunch/dinner...etc. etc. Get what I mean?
Whether man or woman, let me ask you this. What if you were to decide to let your hair grow and forego haircuts for a period of time? Or, go the other route like my husband Mike and shave it all off, that way you can do it yourself, every time! I don't think Mike's spent a cent on cutting his hair for nearly five years, and of course, he looks fab as always...
Radical? Maybe. But it does save money AND helps the planet. Think about it and maybe it's for you...even if it's just for a few months.
3. Sit on your toilet paper roll.
Giggle. Yes, you can help the planet and save money...by squishing your toilet paper roll before you put it on its holder. How's that? Well, simple really. By flattening your roll, (sitting on it, stepping on it, whatever) you make it harder to take too much toilet paper at once. You know how sometimes you give it too much of a yank, and there you have it, toilet paper all over? No use trying to roll it back up, right? Well, that's wasted paper and money.
By flattening it first, the roll moves slower, and you can take just the right amount. A great money and planet saving tip for ANYONE to try, from die hard environmentalists to newbies, especially if you make a point of buying the toilet paper with recycled paper content in it!
Go on, this is one you can try right now! Go squish your toilet paper rolls, then come back and finish reading. Yay!
4.Speak up.
I'll finish off with a REALLY easy one okay? It promises to save you money AND help the planet...and it's fun too. A true-blue Joy to the Planet tip. And that is...speak up! Meaning...when in doubt, have a conversation. You really want to do something great for the planet? Well, you heard me right. Start talking. Pick any of the ten items on this list and talk about...how cool, how easy, how hard, how crazy...each is.
It's simple really. By having a conversation instead of going to the movies, to the mall, or out for food, you inevitably, inexorably, save money, and probably enjoy yourself more too! Who doesn't like a hearty chest-pounding yack-fest with a friend? At the same time, just talking about how to help the planet is a really low-tech, sure fire way to get people thinking more about these things, and that is a great thing.
milan......................
Sunday, October 26, 2008
How To Create Wealth In The Stock Market
First and foremost, an opportunistic strategy for creating wealth in the stock market is needed. And the opportunistic strategy for creating wealth in the stock market must have two ingredients, a plan and a goal. The plan must be a definite, concrete plan of investing that would profit you and your family for the rest of your lives.
This opportunistic investment plan you begin should not profit anyone else - not a stockbroker, a mutual fund or a financial advisor. This means you have to have confidence in yourself and in your own judgment as to whether the investment plan you begin has merit. And this means that the investment plan would and should have already been proven to you!
This definite, concrete plan you begin for creating wealth through opportunities in the stock market must also have a goal. The goal should be clear and specific, and once your have made up your mind to achieve that goal, then go forward and make that goal a reality.
What are the opportunistic traits of a strategic investment plan built on concrete that would actually allow the shareholder to profit through all the turmoil of an up and down stock market? The secret for creating wealth in the stock market; no matter what direction the market is heading?
As in what appears to be the most difficult investment question of all to answer, the answer lies in simplicity itself- investing in those companies that have a historical record of raising their dividend every year. Whether or not you can take this statement of fact to heart is your own judgment call. But it is this opportunistic trait that can and will create wealth for you and your family for the rest of your lives.
A company's ability to raise its dividend every year, coupled with stock appreciation is a very powerful wealth creating formula!
I'm going to provide you with two examples, though there are many more, some with even better results. The two examples are from my book, soon to be published by American Book Publishing - The Stockopoly Plan (where an investment plan and a goal are written in stone).
The first example would be a stock purchased in 1990, Comerica (CMA). What led to the purchase of CMA? - In 1990 CMA had a 21 year history of raising their dividend every year. Today's CMA has a 35 year history of raising their dividend every year. This opportunistic trait in CMA stock has garnished a little better than a15 percent return a year, compounded annually (just by having the dividends reinvested back into the stock each quarter through those years - I prove this to you in The Stockopoly Plan), for the past 14 plus years. Today's CMA stock just recently touched a new high at $60 dollars a share, with a dividend yield of around 3½ percent. In April of 2003 the stock was selling around $37.50 a share, paying a dividend yield of around 5% a year. Am I tempted to sell my position in CMA? Do I care if the stock drops from this lofty price back to $37 a share? Why should I? If the stock drops back to $37 a share, my dividends being reinvested back into the stock each quarter purchases more shares, and my dividend income from CMA simply and dramatically accelerates. I am also already prepared that if a buy-out offer is ever made for the company to reap the profits of owning the stock (as well as the possibility of another stock split).
The second example is (unfortunately) in my book, also. I say unfortunately because my book is in the final copy edit stage, so no one has had a chance to read and benefit from it, and since a buy-out offer was made for the stock last week or so, the stock will no longer exist (this means a rewrite for me, before publication). The company in question is the Rouse Co. (RSE), which was just purchased by General Growth Properties (GGP). Oddly enough, you'll find GGP in my book, also - if you bother to pick it up. Anyway, that's neither here nor there - RSE, on the takeover bid jumped over $16.00 a share in one day! Whew! Why couldn't they have waited a couple of months until my book was released? RSE had the opportunistic trait of raising their dividend every year since 1993 and I was quite content with its performance through the years.
Well, that last paragraph blew my train of thought on this article. All I can think about at the moment is my rewrite.
I would like to take this time to explain something to you. I have never considered myself a writer nor am I a stock market professional. I am simply a man with 39 years of experience and a passion for the stock market, trying to share what wisdom those years have given me. When I sit down to write an article, I seldom have an idea on what I'm going to say. It was the same way when I sat down to write my book. I just meant to put down a few words on paper for my 18-year old son so he would have a sound, concrete plan for investing in those companies that make up the stock market (quite frankly - I didn't want him to blow his inheritance). Whether you find merit in what I say, I have no idea. What I do know is that life is just too short to learn everything you need to learn by yourself, without the help of others.
milan.............
This opportunistic investment plan you begin should not profit anyone else - not a stockbroker, a mutual fund or a financial advisor. This means you have to have confidence in yourself and in your own judgment as to whether the investment plan you begin has merit. And this means that the investment plan would and should have already been proven to you!
This definite, concrete plan you begin for creating wealth through opportunities in the stock market must also have a goal. The goal should be clear and specific, and once your have made up your mind to achieve that goal, then go forward and make that goal a reality.
What are the opportunistic traits of a strategic investment plan built on concrete that would actually allow the shareholder to profit through all the turmoil of an up and down stock market? The secret for creating wealth in the stock market; no matter what direction the market is heading?
As in what appears to be the most difficult investment question of all to answer, the answer lies in simplicity itself- investing in those companies that have a historical record of raising their dividend every year. Whether or not you can take this statement of fact to heart is your own judgment call. But it is this opportunistic trait that can and will create wealth for you and your family for the rest of your lives.
A company's ability to raise its dividend every year, coupled with stock appreciation is a very powerful wealth creating formula!
I'm going to provide you with two examples, though there are many more, some with even better results. The two examples are from my book, soon to be published by American Book Publishing - The Stockopoly Plan (where an investment plan and a goal are written in stone).
The first example would be a stock purchased in 1990, Comerica (CMA). What led to the purchase of CMA? - In 1990 CMA had a 21 year history of raising their dividend every year. Today's CMA has a 35 year history of raising their dividend every year. This opportunistic trait in CMA stock has garnished a little better than a15 percent return a year, compounded annually (just by having the dividends reinvested back into the stock each quarter through those years - I prove this to you in The Stockopoly Plan), for the past 14 plus years. Today's CMA stock just recently touched a new high at $60 dollars a share, with a dividend yield of around 3½ percent. In April of 2003 the stock was selling around $37.50 a share, paying a dividend yield of around 5% a year. Am I tempted to sell my position in CMA? Do I care if the stock drops from this lofty price back to $37 a share? Why should I? If the stock drops back to $37 a share, my dividends being reinvested back into the stock each quarter purchases more shares, and my dividend income from CMA simply and dramatically accelerates. I am also already prepared that if a buy-out offer is ever made for the company to reap the profits of owning the stock (as well as the possibility of another stock split).
The second example is (unfortunately) in my book, also. I say unfortunately because my book is in the final copy edit stage, so no one has had a chance to read and benefit from it, and since a buy-out offer was made for the stock last week or so, the stock will no longer exist (this means a rewrite for me, before publication). The company in question is the Rouse Co. (RSE), which was just purchased by General Growth Properties (GGP). Oddly enough, you'll find GGP in my book, also - if you bother to pick it up. Anyway, that's neither here nor there - RSE, on the takeover bid jumped over $16.00 a share in one day! Whew! Why couldn't they have waited a couple of months until my book was released? RSE had the opportunistic trait of raising their dividend every year since 1993 and I was quite content with its performance through the years.
Well, that last paragraph blew my train of thought on this article. All I can think about at the moment is my rewrite.
I would like to take this time to explain something to you. I have never considered myself a writer nor am I a stock market professional. I am simply a man with 39 years of experience and a passion for the stock market, trying to share what wisdom those years have given me. When I sit down to write an article, I seldom have an idea on what I'm going to say. It was the same way when I sat down to write my book. I just meant to put down a few words on paper for my 18-year old son so he would have a sound, concrete plan for investing in those companies that make up the stock market (quite frankly - I didn't want him to blow his inheritance). Whether you find merit in what I say, I have no idea. What I do know is that life is just too short to learn everything you need to learn by yourself, without the help of others.
milan.............
Friday, October 24, 2008
Life Changing Attitude
Do you really believe that there is anything in this world that is impossible?
I'm 21 and I had to grow up at accelerated rates because of multiple circumstances in my life. One of them was the divorce of my parents, my mother had no money and my father didn't seem to care about me and my brother. And to make it clear "no money" means that we didn't have enough even for food.
Now, I'm not saying these things so you can feel pity for me. I'm telling you because somehow I managed to survive, I found a Way.
Today I make 2000 euros a month, I know it's not a fortune but at least I have a budget that is 4 times more than the average budget in Greece and this amount grows every minute even as I write this article. By the way my father make less money than that.
How did I manage to make it while I didn't have a quarter of a penny in my pocket? ATTITUDE is the answer, I never ever stopped learning about anything that could be learned and that made me look like Guru in my circle of influence. Even with no money I had the most beautiful girls and the highest grades of all. When someone had a problem I was the one who solved it.
Imagine how it is like to have your own problems and the problems of others. It's great, why? Because you get feedback from all the flanks, imagine yourself like a giant sponge whose only job is to soak information. It gives you an edge over the entire community, simply because people can't cope with their own problems and helping you with yours is out of consideration. Can't cope? Or so they think.
You see I wasn't always like that till family problems "made me" take Responsibility. I had no one to rely upon except myself and to tell the truth I felt like I was Lost in complications and trouble. At that point I gave a promise to myself that no matter how many troubles I had I Would Succeed in Life. I was so determined that I slept only 3 to 4 hours a day.
What I did find out, was that the key to get what you want is ATTITUDE and not just any attitude but the right attitude. Let's say you want to get rich, in order to get rich and successful you must behave like rich and successful people even if you are starving to death. You must believe you deserve to be rich and I don't mean some superficial belief deep in your head, rather a strong conviction that you do deserve what you ask for.
When you have that kind of convictions and determination people will start treat you the way you deserve. It's a weird thing but most people form an "Opinion" based on things you believe about yourself, so if you believe you are rich you will be perceived like one, if you believe you deserve to be respected you will be respected. In time those same people, will make your "false" conviction come True. The future "You" is made from the present "belief of" you.
The only restriction of what you can achieve is your Imagination. Imagine the best "YOU" in every detail and you will certainly become this "YOU".
milan.......................
I'm 21 and I had to grow up at accelerated rates because of multiple circumstances in my life. One of them was the divorce of my parents, my mother had no money and my father didn't seem to care about me and my brother. And to make it clear "no money" means that we didn't have enough even for food.
Now, I'm not saying these things so you can feel pity for me. I'm telling you because somehow I managed to survive, I found a Way.
Today I make 2000 euros a month, I know it's not a fortune but at least I have a budget that is 4 times more than the average budget in Greece and this amount grows every minute even as I write this article. By the way my father make less money than that.
How did I manage to make it while I didn't have a quarter of a penny in my pocket? ATTITUDE is the answer, I never ever stopped learning about anything that could be learned and that made me look like Guru in my circle of influence. Even with no money I had the most beautiful girls and the highest grades of all. When someone had a problem I was the one who solved it.
Imagine how it is like to have your own problems and the problems of others. It's great, why? Because you get feedback from all the flanks, imagine yourself like a giant sponge whose only job is to soak information. It gives you an edge over the entire community, simply because people can't cope with their own problems and helping you with yours is out of consideration. Can't cope? Or so they think.
You see I wasn't always like that till family problems "made me" take Responsibility. I had no one to rely upon except myself and to tell the truth I felt like I was Lost in complications and trouble. At that point I gave a promise to myself that no matter how many troubles I had I Would Succeed in Life. I was so determined that I slept only 3 to 4 hours a day.
What I did find out, was that the key to get what you want is ATTITUDE and not just any attitude but the right attitude. Let's say you want to get rich, in order to get rich and successful you must behave like rich and successful people even if you are starving to death. You must believe you deserve to be rich and I don't mean some superficial belief deep in your head, rather a strong conviction that you do deserve what you ask for.
When you have that kind of convictions and determination people will start treat you the way you deserve. It's a weird thing but most people form an "Opinion" based on things you believe about yourself, so if you believe you are rich you will be perceived like one, if you believe you deserve to be respected you will be respected. In time those same people, will make your "false" conviction come True. The future "You" is made from the present "belief of" you.
The only restriction of what you can achieve is your Imagination. Imagine the best "YOU" in every detail and you will certainly become this "YOU".
milan.......................
Why Do We Need Creativity?
Creativity is central to the management of our individual lives, but in modern times few people are able to access this as a resource. Alan Watts writes in The Wisdom of Insecurity:
"We have allowed brain thinking to develop and dominate our lives out of all proportion to 'instinctual wisdom'; which we are allowing to slump into atrophy. As a consequence we are at war within ourselves - the brain desiring things which the body does not want, and the body desiring things that the brain will not allow; the brain giving directions which the body will nor follow, and the body giving impulses which the brain cannot understand...So long as the mind is split, life is perpetual conflict, tension, frustration and disillusion. Suffering is piled on suffering, fear on fear, and boredom on boredom.
The more the fly struggles to get out of the honey, the faster he is stuck. Under the pressure of so much strain and futility, it is no wonder that men [sic] seek release in violence and sensationalism, and the reckless exploitation of their bodies, their appetites, the material world and their fellow men".
Globally at the moment there are many problems facing mankind. Diminishing natural resources and increasing populations mean that we are in a spiral of entropy. Our investment systems have been using the capital assets of our planet as income since the beginning of the industrial revolution. We are putting little energy back into our planet.
Third world populations look enviously toward the apparent richness of first world countries, and wish to emulate the consumerism that appears to make its citizens so happy. Our media propagate the illusion that we can buy our way out of environmental destruction, and that retail therapy is the panacea to all dis-ease and unhappiness.
Although the nature of work is changing there is still more slavery in the world than there has ever been. Mass production is shifting generally to third world countries where cheap labour and the environment are more easily exploited. Tiny wage slavery is still cheaper than investing in up to the minute technology for many third world industries. New technology steadily gobbles up jobs. Service, leisure and electronic industries have replaced much of our manufacturing losses to the third world but now even these (often part-time jobs) are being 'outsourced'.
Certainly creativity is needed at individual and governmental levels to produce new opportunities in employment, information, education and leisure activities. Many of the manufacturing 'jobs for life' we have lost to cheaper workers have been replaced by part-time, poorly paid and insecure alternatives.
The development of new forms of employment and the ability to cope with accelerating change needs creativity at all levels. Pressures towards conformity stem from, "a demand that education should primarily the way to enhanced social status and a materially safe way of life" (T.P. Jones in Creative Learning in Perspective).
Aspects of specialisation (the mystification of knowledge into 'closed shops') and a centralised government system shift responsibility away from people. Many factors make it harder for an individual to act on their own behalf, on their own belief and to face uncertainty and possibly ridicule by doing something non-conformist. In education individual behaviour is still often construed as insulting and rebellious. Creativity, an Open University guide for teachers states:
"One of the problems with teaching for creativity in schools is that many of the personality characteristics and kind of behaviour associated with them are unpleasing to the teacher. Independent children who will not accept what the teacher says, simply because they say it, can be disliked by the teacher, particularly when such behaviour occurs on a heavy day or with a tired teacher".
The potential for divergent, self assertive thought and action is diminished in many sectors of society. People who 'rock the boat' and question authority are too often seen as a threat to established patterns. This has led to a breakdown in sensitivity to needs, the generation of ideas and the production of creative solutions. Financial reward and security are conditioned to be the primary motivations for work and life.
With the coming of automation and factories seeking the cheapest labour in third world countries, the emphasis in a successful economy needs to be more biased towards the production of ideas that create meaningful and sustainable employment. The education systems we have are slow to realise this and much of the training they provide is still geared towards values established during the Industrial Revolution.
The didactic education system we have is still partly based on training small boys for the priesthood, five-hundred years ago. The development of creative potential in individuals is an issue that the system simply does not know how to handle. Presently we are between two worlds, leaving generations high and dry concerning meaningful work and the generation of identity.
"Whilst assimilating that which he has inherited, and adapting himself to it, man [sic] must also preserve his essential individuality. Education must assist the society which nurtures it by inspiring each generation to add to the culture it has received by creating something new; there should be no passive acceptance of what has been handed down from the past. Serious consideration must therefore be given to the extent that non-conforming ideas can be considered as an asset for life in a conforming society".
milan.....................
"We have allowed brain thinking to develop and dominate our lives out of all proportion to 'instinctual wisdom'; which we are allowing to slump into atrophy. As a consequence we are at war within ourselves - the brain desiring things which the body does not want, and the body desiring things that the brain will not allow; the brain giving directions which the body will nor follow, and the body giving impulses which the brain cannot understand...So long as the mind is split, life is perpetual conflict, tension, frustration and disillusion. Suffering is piled on suffering, fear on fear, and boredom on boredom.
The more the fly struggles to get out of the honey, the faster he is stuck. Under the pressure of so much strain and futility, it is no wonder that men [sic] seek release in violence and sensationalism, and the reckless exploitation of their bodies, their appetites, the material world and their fellow men".
Globally at the moment there are many problems facing mankind. Diminishing natural resources and increasing populations mean that we are in a spiral of entropy. Our investment systems have been using the capital assets of our planet as income since the beginning of the industrial revolution. We are putting little energy back into our planet.
Third world populations look enviously toward the apparent richness of first world countries, and wish to emulate the consumerism that appears to make its citizens so happy. Our media propagate the illusion that we can buy our way out of environmental destruction, and that retail therapy is the panacea to all dis-ease and unhappiness.
Although the nature of work is changing there is still more slavery in the world than there has ever been. Mass production is shifting generally to third world countries where cheap labour and the environment are more easily exploited. Tiny wage slavery is still cheaper than investing in up to the minute technology for many third world industries. New technology steadily gobbles up jobs. Service, leisure and electronic industries have replaced much of our manufacturing losses to the third world but now even these (often part-time jobs) are being 'outsourced'.
Certainly creativity is needed at individual and governmental levels to produce new opportunities in employment, information, education and leisure activities. Many of the manufacturing 'jobs for life' we have lost to cheaper workers have been replaced by part-time, poorly paid and insecure alternatives.
The development of new forms of employment and the ability to cope with accelerating change needs creativity at all levels. Pressures towards conformity stem from, "a demand that education should primarily the way to enhanced social status and a materially safe way of life" (T.P. Jones in Creative Learning in Perspective).
Aspects of specialisation (the mystification of knowledge into 'closed shops') and a centralised government system shift responsibility away from people. Many factors make it harder for an individual to act on their own behalf, on their own belief and to face uncertainty and possibly ridicule by doing something non-conformist. In education individual behaviour is still often construed as insulting and rebellious. Creativity, an Open University guide for teachers states:
"One of the problems with teaching for creativity in schools is that many of the personality characteristics and kind of behaviour associated with them are unpleasing to the teacher. Independent children who will not accept what the teacher says, simply because they say it, can be disliked by the teacher, particularly when such behaviour occurs on a heavy day or with a tired teacher".
The potential for divergent, self assertive thought and action is diminished in many sectors of society. People who 'rock the boat' and question authority are too often seen as a threat to established patterns. This has led to a breakdown in sensitivity to needs, the generation of ideas and the production of creative solutions. Financial reward and security are conditioned to be the primary motivations for work and life.
With the coming of automation and factories seeking the cheapest labour in third world countries, the emphasis in a successful economy needs to be more biased towards the production of ideas that create meaningful and sustainable employment. The education systems we have are slow to realise this and much of the training they provide is still geared towards values established during the Industrial Revolution.
The didactic education system we have is still partly based on training small boys for the priesthood, five-hundred years ago. The development of creative potential in individuals is an issue that the system simply does not know how to handle. Presently we are between two worlds, leaving generations high and dry concerning meaningful work and the generation of identity.
"Whilst assimilating that which he has inherited, and adapting himself to it, man [sic] must also preserve his essential individuality. Education must assist the society which nurtures it by inspiring each generation to add to the culture it has received by creating something new; there should be no passive acceptance of what has been handed down from the past. Serious consideration must therefore be given to the extent that non-conforming ideas can be considered as an asset for life in a conforming society".
milan.....................
Thursday, October 23, 2008
Super Preparation - Keys to Getting a Great Start to Every Presentation
Super Preparation -
Keys to Getting a Great Start to Every Presentation
Novice and expert presenters alike have had the experience of feeling a little (or may be a lot) nervous before giving a talk. In working with hundreds of people to help them improve their presentation skills, one consistent theme has emerged: once people get started, assuming things go relatively well, they begin to relax, become more natural, less self conscious, and therefore more effective.
Since the opening of any presentation is critical to the message and the presenter's credibility, and since this is often when presenters are most nervous and cautious, it makes sense to have strategies to make that opening the best it can be.
I call the strategy "Super Preparation".
How to Do It
Here are the steps to Super Preparation:
1. Design a dynamite opening. This article isn't focused on how to build the best possible opening, but that is where you need to start! Make sure your opening is clear, focused, attention getting and full of audience benefits. You want the people listening to become truly interested in what you have to say. When you have a great opening planned, your excitement and confidence will rise, already making you less apprehensive.
2. Practice the opening. You need to "own" the great opening you have developed. Practice the first 3-5 minutes of your talk thinking about everything: the words, vocal inflection, gestures, movements, pace and more. Know the flow of your words, find the best places to pause for emphasis. Your goal is to have the first few minutes so well prepared in your mind and heart that your nerves and apprehensions about getting started are greatly reduced. You won't reach that goal without practice.
3. Visualize success! Spend some time thinking about how successful the opening will be. How engaged and interested your audience will be. How confident and relaxed you will be. Visualizing those things are a big step towards making them happen.
4. Rehearse. I know, I already told you to practice. These rehearsals are the final mental run-throughs that incorporate both the practice and the visualization. These rehearsals might be in your car, the shower, as you lay in bed, whenever!
5. End with a "make." When shooting baskets after practice my basketball coach always said, "Don't leave the court on a miss. Always finish with the result you want." That is my advice to you on your mental rehearsals. Always finish with a rehearsal where the opening went great! This will solidify the result you want in your brain and add to your growing confidence and excitement.
6. Don't memorize! All this talk about practice and rehearsal may lead you to think, "I just need to memorize my opening." Nothing could be more wrong. When we memorize, we focus on the words. If we mess up the words we've lost it! Super Preparation is about preparing for a super result - and super results in presentations are always focused on the audience, not ourselves. Forget the memorization. Remember the audience. Focus on the message, your approach and your desired outcome.
Results
The results of utilizing Super Preparation include:
? Greater confidence
? Less apprehension or nerves at the start of your talk
? A much more credible first impression of you, your skills, and message by the audience
? An opening that has great impact
Aren't those reasons enough to try it?
The Rest
Will take care of itself. You will have set yourself up to succeed with greater confidence and energy, which allows you to build on the great opening, rather than trying to recover from a poor one.
Try the Super Preparation approach to your next presentation and prepare to persuade with greater effectiveness than you ever have before!
milan..................
Keys to Getting a Great Start to Every Presentation
Novice and expert presenters alike have had the experience of feeling a little (or may be a lot) nervous before giving a talk. In working with hundreds of people to help them improve their presentation skills, one consistent theme has emerged: once people get started, assuming things go relatively well, they begin to relax, become more natural, less self conscious, and therefore more effective.
Since the opening of any presentation is critical to the message and the presenter's credibility, and since this is often when presenters are most nervous and cautious, it makes sense to have strategies to make that opening the best it can be.
I call the strategy "Super Preparation".
How to Do It
Here are the steps to Super Preparation:
1. Design a dynamite opening. This article isn't focused on how to build the best possible opening, but that is where you need to start! Make sure your opening is clear, focused, attention getting and full of audience benefits. You want the people listening to become truly interested in what you have to say. When you have a great opening planned, your excitement and confidence will rise, already making you less apprehensive.
2. Practice the opening. You need to "own" the great opening you have developed. Practice the first 3-5 minutes of your talk thinking about everything: the words, vocal inflection, gestures, movements, pace and more. Know the flow of your words, find the best places to pause for emphasis. Your goal is to have the first few minutes so well prepared in your mind and heart that your nerves and apprehensions about getting started are greatly reduced. You won't reach that goal without practice.
3. Visualize success! Spend some time thinking about how successful the opening will be. How engaged and interested your audience will be. How confident and relaxed you will be. Visualizing those things are a big step towards making them happen.
4. Rehearse. I know, I already told you to practice. These rehearsals are the final mental run-throughs that incorporate both the practice and the visualization. These rehearsals might be in your car, the shower, as you lay in bed, whenever!
5. End with a "make." When shooting baskets after practice my basketball coach always said, "Don't leave the court on a miss. Always finish with the result you want." That is my advice to you on your mental rehearsals. Always finish with a rehearsal where the opening went great! This will solidify the result you want in your brain and add to your growing confidence and excitement.
6. Don't memorize! All this talk about practice and rehearsal may lead you to think, "I just need to memorize my opening." Nothing could be more wrong. When we memorize, we focus on the words. If we mess up the words we've lost it! Super Preparation is about preparing for a super result - and super results in presentations are always focused on the audience, not ourselves. Forget the memorization. Remember the audience. Focus on the message, your approach and your desired outcome.
Results
The results of utilizing Super Preparation include:
? Greater confidence
? Less apprehension or nerves at the start of your talk
? A much more credible first impression of you, your skills, and message by the audience
? An opening that has great impact
Aren't those reasons enough to try it?
The Rest
Will take care of itself. You will have set yourself up to succeed with greater confidence and energy, which allows you to build on the great opening, rather than trying to recover from a poor one.
Try the Super Preparation approach to your next presentation and prepare to persuade with greater effectiveness than you ever have before!
milan..................
Wednesday, October 22, 2008
The Final Chapter
Several months ago, I read an article about a 22 year old, successful young lady who died a premature death in a plane crash. The more I read this article, the heavier my heart became because she died in the midst of her formative years. Equally tear-jerking was the fact that she died before completing a book that she was writing -- before completing her final chapter.
Right now, your book is being written -- and you are the author. Every moment that passes, every day that appears and vanishes, your pages are being written. Every word you speak, every action you take -- shapes page after page in your book of life. How you live and how you treat others also shape the pages of your book -- from cover to cover.
In retrospect, perhaps the beginning of your book may not have been written well, because of mistakes, or unwise decisions -- but you can finish a bestseller.
You can finish a bestseller, because you are the starring character and you, by your present and future actions, control how the final chapters of your book will read. You can finish as the winner by doing the things that you love and not taking your life, or others for granted.
Start a new chapter today -- a chapter that will give you and others a delight to read.
Motivational Speaker, Audrina Jones Bunton was born the seventh of eight children in her household in Pinehurst, North Carolina into a loving and committed Christian home. As she has 2 children, over 40 nieces and nephews and great- nieces and nephews, it is not unusual to find her under the same roof with many of her maternal five-generation family on weekends and on holidays. In her youth, she fondly recalls traveling throughout the U.S. with her family, as her parents ministered from state to state year after year-helping people as they traveled.
A graduate from the University of North Carolina at Chapel Hill, with a Bachelor's degree in Sociology, Audrina is a Competent Toastmaster of Toastmasters International and serves as the North Carolina District Sergeant At Arms. She is a former counselor of the Durham Pregnancy Support Services, a Christian-oriented crisis pregnancy center in Durham, North Carolina and is currently a Social Research Assistant at the University of North Carolina at Chapel Hill. Audrina is currently studying at the Master's Divinity School in Evansville, Indiana with a combined concentration in Biblical Counseling and IABC certification.
She also serves as the Youth Director at the Come As You Are Evangelistic Center in Aberdeen, North Carolina where her mother, Lydia Jones is the pastor.
Modeling after a song that her mother so often sings, and one that Martin Luther King, Jr. often quoted, her life and speeches are based on the following lyrics, "If I can help somebody as I pass along, If I can cheer somebody with a word or song, If I can show somebody he's traveling wrong, Then my living will not be in vain."
milan.............
Right now, your book is being written -- and you are the author. Every moment that passes, every day that appears and vanishes, your pages are being written. Every word you speak, every action you take -- shapes page after page in your book of life. How you live and how you treat others also shape the pages of your book -- from cover to cover.
In retrospect, perhaps the beginning of your book may not have been written well, because of mistakes, or unwise decisions -- but you can finish a bestseller.
You can finish a bestseller, because you are the starring character and you, by your present and future actions, control how the final chapters of your book will read. You can finish as the winner by doing the things that you love and not taking your life, or others for granted.
Start a new chapter today -- a chapter that will give you and others a delight to read.
Motivational Speaker, Audrina Jones Bunton was born the seventh of eight children in her household in Pinehurst, North Carolina into a loving and committed Christian home. As she has 2 children, over 40 nieces and nephews and great- nieces and nephews, it is not unusual to find her under the same roof with many of her maternal five-generation family on weekends and on holidays. In her youth, she fondly recalls traveling throughout the U.S. with her family, as her parents ministered from state to state year after year-helping people as they traveled.
A graduate from the University of North Carolina at Chapel Hill, with a Bachelor's degree in Sociology, Audrina is a Competent Toastmaster of Toastmasters International and serves as the North Carolina District Sergeant At Arms. She is a former counselor of the Durham Pregnancy Support Services, a Christian-oriented crisis pregnancy center in Durham, North Carolina and is currently a Social Research Assistant at the University of North Carolina at Chapel Hill. Audrina is currently studying at the Master's Divinity School in Evansville, Indiana with a combined concentration in Biblical Counseling and IABC certification.
She also serves as the Youth Director at the Come As You Are Evangelistic Center in Aberdeen, North Carolina where her mother, Lydia Jones is the pastor.
Modeling after a song that her mother so often sings, and one that Martin Luther King, Jr. often quoted, her life and speeches are based on the following lyrics, "If I can help somebody as I pass along, If I can cheer somebody with a word or song, If I can show somebody he's traveling wrong, Then my living will not be in vain."
milan.............
Sunday, October 19, 2008
My Search for the Truth
I am a Falun Dafa practitioner. Maybe you've heard about the persecution of Falun Dafa (or Falun Gong) practitioners in China. Over the past five years, many people have been committed to mental institutions, tortured, detained, imprisoned, and even killed, simply for refusing to give up this practice. Unfortunately, most Americans don't know about this situation, or they've been given a negative impression, and so the persecution goes on. My intention is to give my impression of Falun Dafa, and hopefully, bring an awareness of this situation to the people of this country--a country that was founded on the basis of religious and spiritual freedom.
All of my life, I have been searching for answers to all of life's most fundamental questions: Why am I here? What is the purpose of life? Why do bad things happen to good people? Who is God? Why does He allow all of this?
As a child and again as a teenager, I searched for the answers in Christianity, and even though I sensed wisdom and truth in the teachings of Jesus--being honest, loving thy neighbor, turning the other cheek--there seemed to be something missing. Maybe something got lost in the translation.
I didn't have a problem with not understanding everything about God's actions--I mean He is God after all, and so how can I expect to understand Him? However, I did feel that I had some legitimate questions about justice. For instance, why do really bad things happen to seemingly good people? Why are babies born with deformities? How could this person's life of ninety years be equal to that person's life of 25 years? If all you have to do to go to heaven is believe that Jesus died on the cross for your sins, then what kind of a place would heaven be? I mean, I know a lot of people who believe that, and I'm not really sure that heaven would be better than earth if that were the case. Also, what happens to people who have never been exposed to Christianity or believe in some other god or religion? Obviously, I had a lot of questions that could not be answered within the framework of contemporary Christian religions. Consequently, I gave up the search--at least for the time being.
When I was twenty-three years old, I became ill. Over the next few years, I became unable to work, and I was eventually diagnosed with lupus, Rheumatoid Arthritis, and vasculitis.
I had problems with every joint in my body; I couldn't stand, sit, or use my hands for any length of time; I had no stamina and slept for about twelve hours every day; I often had acute pain that came and went for apparently no reason and chronic pain that could last for hours; I often could not get comfortable enough to go to sleep; because of the amount and kind of medication that I took, I developed a lot of digestive problems; and I often ran a low-grade fever for days, and sometimes, weeks at a time.
Over the last two years, the vasculitis had become quite bad. I would often break out in large hives all over my body, and would get large spontaneous 'bruises' on my legs and arms that were not the result of any trauma and which took an unusual length of time to heal. I knew that this could not go on indefinitely, and so I had come to accept the fact that the length of my life was severely limited.
I thought that I would just try to live what was left of my life the best that I could, but I still longed for the answers to those age-old questions. Even though I believed I would receive the answers when I died, I decided that I would ask for them while I still lived. So, one day, I imagined myself crying out to the universe for help.
I remembered reading in a book that if you ever have a question, you should go to the library. Even if they don't have the answer, they can probably help you find it or where to go to get it. So, I went to the library to look for the answer.
In the foyer, there is a bulletin board with flyers, announcements, etc., and shelves beneath. I looked all over the bulletin board, all over the shelves, and on the bottom shelf, underneath something else, there was a brochure: a bright blue brochure with oriental characters on it. As soon as I saw it, I knew it was the answer. It was a Falun Dafa pamphlet, and inside was a contact name and number. That was February 6th of 2000.
I started practicing Falun Dafa within days. Within weeks, I was able to stop taking all of my medication, I became free of my illnesses, and I was eventually able to go back to work. These things were really just fringe benefits to me--after all, I was just looking for answers, not healing--but I became well just the same!
The practice of Falun Dafa is very simple. It consists of five exercises--four standing, and one sitting meditation--and a set of three principles, which we believe to be the nature of the universe: Zhen (True), Shan (Good), and Ren (Endure).
The exercises are gentle and relaxing, as well as energizing. The practice of implementing the principles-to be True, Good, and Endure--is simple, and yet amazingly powerful. You may notice that they are the same basic principles that Jesus taught, as well. At the very base level, Falun Dafa is learning how to be a better person in every aspect of life: at home, at work, and socially. At a higher level, the goal is the same as other practices: wisdom and enlightenment. Falun Dafa is not a religion: we don't worship any particular God, although we do recognize the existence of great enlightened beings throughout history such as Jesus, Sakyamuni, Lao Zi, Amitabha, etc.; we don't have temples; we don't have any type of administration; we don't have any rituals; there are no requirements; there is no membership; and we absolutely do not involve ourselves with money. If you want to learn about Falun Dafa, any practitioner can and will teach you the exercises for free, all the books can be downloaded from the internet for free, and we do not even accept donations. It's a pace-yourself kind of course--you practice when you want to, how often you want to, and for how long you want to. It is completely up to you whether you practice or not.
Falun Dafa may very well be the largest spiritual movement in the history of the world. Right now, there are an estimated 100 million practitioners world-wide, with practitioners in over 50 countries, including the United States and China. All we want is to be good people and be able to practice our beliefs--our cultivation--without persecution.
Speaking of those answers: I did find them, as well. I also found a peace of mind and a sense of being that I never could have imagined. My goal is still to live my life the best that I can, but I also want to share what I have found with others who may be able to benefit as well. I would also like to inform those who believe that we all have a basic human right to practice our beliefs without being persecuted about the situation for millions of Falun Dafa practitioners in China.
milan............
All of my life, I have been searching for answers to all of life's most fundamental questions: Why am I here? What is the purpose of life? Why do bad things happen to good people? Who is God? Why does He allow all of this?
As a child and again as a teenager, I searched for the answers in Christianity, and even though I sensed wisdom and truth in the teachings of Jesus--being honest, loving thy neighbor, turning the other cheek--there seemed to be something missing. Maybe something got lost in the translation.
I didn't have a problem with not understanding everything about God's actions--I mean He is God after all, and so how can I expect to understand Him? However, I did feel that I had some legitimate questions about justice. For instance, why do really bad things happen to seemingly good people? Why are babies born with deformities? How could this person's life of ninety years be equal to that person's life of 25 years? If all you have to do to go to heaven is believe that Jesus died on the cross for your sins, then what kind of a place would heaven be? I mean, I know a lot of people who believe that, and I'm not really sure that heaven would be better than earth if that were the case. Also, what happens to people who have never been exposed to Christianity or believe in some other god or religion? Obviously, I had a lot of questions that could not be answered within the framework of contemporary Christian religions. Consequently, I gave up the search--at least for the time being.
When I was twenty-three years old, I became ill. Over the next few years, I became unable to work, and I was eventually diagnosed with lupus, Rheumatoid Arthritis, and vasculitis.
I had problems with every joint in my body; I couldn't stand, sit, or use my hands for any length of time; I had no stamina and slept for about twelve hours every day; I often had acute pain that came and went for apparently no reason and chronic pain that could last for hours; I often could not get comfortable enough to go to sleep; because of the amount and kind of medication that I took, I developed a lot of digestive problems; and I often ran a low-grade fever for days, and sometimes, weeks at a time.
Over the last two years, the vasculitis had become quite bad. I would often break out in large hives all over my body, and would get large spontaneous 'bruises' on my legs and arms that were not the result of any trauma and which took an unusual length of time to heal. I knew that this could not go on indefinitely, and so I had come to accept the fact that the length of my life was severely limited.
I thought that I would just try to live what was left of my life the best that I could, but I still longed for the answers to those age-old questions. Even though I believed I would receive the answers when I died, I decided that I would ask for them while I still lived. So, one day, I imagined myself crying out to the universe for help.
I remembered reading in a book that if you ever have a question, you should go to the library. Even if they don't have the answer, they can probably help you find it or where to go to get it. So, I went to the library to look for the answer.
In the foyer, there is a bulletin board with flyers, announcements, etc., and shelves beneath. I looked all over the bulletin board, all over the shelves, and on the bottom shelf, underneath something else, there was a brochure: a bright blue brochure with oriental characters on it. As soon as I saw it, I knew it was the answer. It was a Falun Dafa pamphlet, and inside was a contact name and number. That was February 6th of 2000.
I started practicing Falun Dafa within days. Within weeks, I was able to stop taking all of my medication, I became free of my illnesses, and I was eventually able to go back to work. These things were really just fringe benefits to me--after all, I was just looking for answers, not healing--but I became well just the same!
The practice of Falun Dafa is very simple. It consists of five exercises--four standing, and one sitting meditation--and a set of three principles, which we believe to be the nature of the universe: Zhen (True), Shan (Good), and Ren (Endure).
The exercises are gentle and relaxing, as well as energizing. The practice of implementing the principles-to be True, Good, and Endure--is simple, and yet amazingly powerful. You may notice that they are the same basic principles that Jesus taught, as well. At the very base level, Falun Dafa is learning how to be a better person in every aspect of life: at home, at work, and socially. At a higher level, the goal is the same as other practices: wisdom and enlightenment. Falun Dafa is not a religion: we don't worship any particular God, although we do recognize the existence of great enlightened beings throughout history such as Jesus, Sakyamuni, Lao Zi, Amitabha, etc.; we don't have temples; we don't have any type of administration; we don't have any rituals; there are no requirements; there is no membership; and we absolutely do not involve ourselves with money. If you want to learn about Falun Dafa, any practitioner can and will teach you the exercises for free, all the books can be downloaded from the internet for free, and we do not even accept donations. It's a pace-yourself kind of course--you practice when you want to, how often you want to, and for how long you want to. It is completely up to you whether you practice or not.
Falun Dafa may very well be the largest spiritual movement in the history of the world. Right now, there are an estimated 100 million practitioners world-wide, with practitioners in over 50 countries, including the United States and China. All we want is to be good people and be able to practice our beliefs--our cultivation--without persecution.
Speaking of those answers: I did find them, as well. I also found a peace of mind and a sense of being that I never could have imagined. My goal is still to live my life the best that I can, but I also want to share what I have found with others who may be able to benefit as well. I would also like to inform those who believe that we all have a basic human right to practice our beliefs without being persecuted about the situation for millions of Falun Dafa practitioners in China.
milan............
Saturday, October 18, 2008
Free Money Saving Auto Insurance Tips
Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.
The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.
The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.
Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.
Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.
Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.
If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.
Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.
Finally try using an anti-theft device. This helps to reduce your insurance cost.
Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.
milan............
The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.
The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.
Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.
Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.
Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.
If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.
Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.
Finally try using an anti-theft device. This helps to reduce your insurance cost.
Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.
milan............
Friday, October 17, 2008
Seven Tips to a Job-Winning Interview
Seven Tips to a Job-Winning Interview
These days, interviews don't come easily. When you get The Call, make the most of your time -- and go for it!
1. Investigate the company's culture, markets, and finances. But resist the temptation to show off what you've researched: "I just read that you're about to embark on a new product line") unless you have a question directly related to your career.
2. Look like you belong. Learn the company's dress code and err on the side of conservatism. When you're seeking a senior position based on industry experience, you'll be expected to know the rules without being told.
3. Take charge of the interview! The most successful interviews feel like friendly conversations. When your interviewer has an agenda (such as the infamous "stress interview") stay relaxed. Think of playing a game.
4. Assume everyone you meet will provide feedback to the decision-maker. Some companies hand out comment forms to receptionists, security guards and potential peers who take you to lunch.
5. Communicate interest and enthusiasm, even if you're not sure you're ready to commit. You'll rarely have all the facts until you're looking at an offer.
6. Bring extra copies of your correspondence from this company as well as your resume, references, writing samples, portfolio and current business cards. Interviewers lose documents and conversations move in unexpected directions.
7. Create a relaxed, positive attitude by devising a realistic game plan. When your career isn't riding on a single interview, you'll have fun and make a confident, relaxed impression.
8. Write a thank you letter within forty-eight hours. Create a low-key sales letter, emphasizing how your qualifications match the company's needs. Present yourself as a resource, not a supplicant.
9. After you write the letter, forget about the interview. Email or phone only if you've received a competing offer with a deadline.
Occasionally you may make points with follow-up mailings. A sports team public relations applicant sent puzzles, games and press releases -- and she got the job. Use your intuition.
10. Keep notes of what you learned from the process. What worked? What would you do differently?
As soon as you begin your new job, develop a career plan and a safety net before you need one.
milan...........................
These days, interviews don't come easily. When you get The Call, make the most of your time -- and go for it!
1. Investigate the company's culture, markets, and finances. But resist the temptation to show off what you've researched: "I just read that you're about to embark on a new product line") unless you have a question directly related to your career.
2. Look like you belong. Learn the company's dress code and err on the side of conservatism. When you're seeking a senior position based on industry experience, you'll be expected to know the rules without being told.
3. Take charge of the interview! The most successful interviews feel like friendly conversations. When your interviewer has an agenda (such as the infamous "stress interview") stay relaxed. Think of playing a game.
4. Assume everyone you meet will provide feedback to the decision-maker. Some companies hand out comment forms to receptionists, security guards and potential peers who take you to lunch.
5. Communicate interest and enthusiasm, even if you're not sure you're ready to commit. You'll rarely have all the facts until you're looking at an offer.
6. Bring extra copies of your correspondence from this company as well as your resume, references, writing samples, portfolio and current business cards. Interviewers lose documents and conversations move in unexpected directions.
7. Create a relaxed, positive attitude by devising a realistic game plan. When your career isn't riding on a single interview, you'll have fun and make a confident, relaxed impression.
8. Write a thank you letter within forty-eight hours. Create a low-key sales letter, emphasizing how your qualifications match the company's needs. Present yourself as a resource, not a supplicant.
9. After you write the letter, forget about the interview. Email or phone only if you've received a competing offer with a deadline.
Occasionally you may make points with follow-up mailings. A sports team public relations applicant sent puzzles, games and press releases -- and she got the job. Use your intuition.
10. Keep notes of what you learned from the process. What worked? What would you do differently?
As soon as you begin your new job, develop a career plan and a safety net before you need one.
milan...........................
Thursday, October 16, 2008
Winter Running: Survival Tips For Your Feet
The days are shorter, the air is colder and the streets are slicker. Yet, many will still brave the cold, damp and dark streets and trails as winter sets in. For those who don't mind a little rain, snow, sleet or below freezing temperatures and run to survive the winter, it is important to know how to protect the feet so they too, can survive the winter months.
1. Consider running in a trail shoe, even if you are not running on trails. Trail running shoes tend to protect your feet more than lighter nylon running shoes. Trail shoes also have more traction for slippery surfaces encountered during winter running.
2. Avoid cotton socks. Synthetic socks wick away moisture and help prevent blister formation and cold feet.
3. Make sure your shoes fit. Running shoes used for summer may not be an appropriate fit for winter. Many individuals will experience a small amount of swelling in their feet during the summer. This may cause a loose fit for winter, leading to heel slippage and potential blisters.
4. Pair your socks and shoes. Don't assume your heavier socks will work with your summer running shoes. Some individuals wear heavier socks during the winter and this may lead to the toes being cramped in the front of the shoe causing discomfort, numbness and sometimes jamming of the toes leading to blood under the toenails. The reverse is also true. Your summer running socks may not work with your winter or running shoes.
5. Avoid tight footwear in cold weather. Tight shoes may decrease circulation to the toes and increase the chance for nerve impingement on the top of the foot.
6. Run on flat surfaces. In cold weather it is more difficult to adjust to uneven terrain because your muscles do not react as quickly. This will increase your chances of developing muscle strains and sprains. If you trail run in the winter, choose trails with fewer rocks, roots and dips.
7. Don't use your old worn-out shoes for winter running. Do not start your winter running in shoes that have 400-500 miles on them. Wearing shoes that are worn-out can lead to foot problems such as plantar fasciitis and tendonitis.
8. Warm up slowly. Your muscles will take longer to warm-up in colder weather. Your chances of injury increase when you do not take the time to warm-up properly.
9. Avoid speedwork in very cold weather. Speedwork in cold weather will increase your chances of injury. Consider saving speedwork for the warmer days, and use the colder days for maintenance runs.
10. Take a break from running. Consider cross training if you are feeling stiff and sore or if you are experiencing foot, ankle or leg discomfort. Overuse injuries occur more frequently in the winter as runners unconsciously alter their gait to adapt to slippery, hard to see surfaces.
milan...........................
1. Consider running in a trail shoe, even if you are not running on trails. Trail running shoes tend to protect your feet more than lighter nylon running shoes. Trail shoes also have more traction for slippery surfaces encountered during winter running.
2. Avoid cotton socks. Synthetic socks wick away moisture and help prevent blister formation and cold feet.
3. Make sure your shoes fit. Running shoes used for summer may not be an appropriate fit for winter. Many individuals will experience a small amount of swelling in their feet during the summer. This may cause a loose fit for winter, leading to heel slippage and potential blisters.
4. Pair your socks and shoes. Don't assume your heavier socks will work with your summer running shoes. Some individuals wear heavier socks during the winter and this may lead to the toes being cramped in the front of the shoe causing discomfort, numbness and sometimes jamming of the toes leading to blood under the toenails. The reverse is also true. Your summer running socks may not work with your winter or running shoes.
5. Avoid tight footwear in cold weather. Tight shoes may decrease circulation to the toes and increase the chance for nerve impingement on the top of the foot.
6. Run on flat surfaces. In cold weather it is more difficult to adjust to uneven terrain because your muscles do not react as quickly. This will increase your chances of developing muscle strains and sprains. If you trail run in the winter, choose trails with fewer rocks, roots and dips.
7. Don't use your old worn-out shoes for winter running. Do not start your winter running in shoes that have 400-500 miles on them. Wearing shoes that are worn-out can lead to foot problems such as plantar fasciitis and tendonitis.
8. Warm up slowly. Your muscles will take longer to warm-up in colder weather. Your chances of injury increase when you do not take the time to warm-up properly.
9. Avoid speedwork in very cold weather. Speedwork in cold weather will increase your chances of injury. Consider saving speedwork for the warmer days, and use the colder days for maintenance runs.
10. Take a break from running. Consider cross training if you are feeling stiff and sore or if you are experiencing foot, ankle or leg discomfort. Overuse injuries occur more frequently in the winter as runners unconsciously alter their gait to adapt to slippery, hard to see surfaces.
milan...........................
Wednesday, October 15, 2008
Balancing Your Work, Family and Social Life
Many of us have an image of personal balance as a set of scales in perfect balance every day. But that's an unrealistic goal. You are in for a lot of frustration if you try to allocate within every day a predetermined portion of time for work, family and your social life. An illness may upset all your plans. A business project may demand peaks of intense work, followed by valleys of slow time.
Balance requires continual adjustments, like an acrobat on a high wire who constantly shifts his weight to the right and to the left. By focusing on four main areas of your life - emotional/spiritual needs, relationships, intellectual needs and physical needs - at work and away from work, you can begin to walk the high wire safely.
Here, drawn from my conversations with many high successful Americans, are ten ideas for balancing all aspects of your life:
1. Make an appointment with yourself. Banish from your mind the idea that everyone takes precedence over you. Don't use your organizer or calendar just for appointments with others. Give yourself some prime time. Regularly do something you enjoy. It will recharge your batteries. Once you've put yourself on your calendar, guard those appointments. Kay Koplovitz founder of the USA cable television network, which is on the air 24 hours a day, seven days a week, 52 weeks a year. Koplovitz ran the daily operations of the network for 21 years. For more than two decades, there was always some potential claim on her time. Therefore she vigilantly protected a scheduled tennis match just as she would a business appointment.
2. Care for your body. Having a high energy level is a trait held by many highly successful people. No matter what your present level of energy, you can increase it by following these steps:
Eat. Don't skip meals. Your physical and mental energy depend upon nourishment. Irregular eating patterns can cause a frayed temper, depression, lack of creativity and a nervous stomach.
Exercise. Over and over again, highly successful people mention the benefit of exercise routines. Johnetta Cole, president of Bennett College for Women and former president of Spelman College, does a four-mile walk each morning. She calls it her mobile meditation. The benefits of exercise are mental, emotional, physical and spiritual. If you are healthier and have more stamina, you can work better and longer.
Rest. A psychologist who has studied creative people reports that they rest often and sleep a lot.
3. Cut some slack. You do not have to do everything. Just the right things. Publisher Steve Forbes taught me a lesson: "Don't be a slave to your in-box. Just because there's something there doesn't mean you have to do it." As a result, every evening, I extract from my long list to-do list just a few "musts" for the following day. If, but three o'clock the next day, I've crossed off all the "musts," I know that everything else I do that day will be icing on the cake. It is a great psychological plus for me.
There is nothing wrong with pushing yourself hard, disciplining yourself to
do what needs to be done when you hold yourself to the highest standards. That builds up stamina and turns you into a pro. At time, though, you must forgive yourself. You will never become 100 percent efficient, nor should you expect to be. After something does not work, ask yourself, "Did I do my best? If you did, accept the outcome. All you can do is all you can do.
4. Blur the boundaries. Some very successful people achieve balance by setting aside times or days for family, recreation, hobbies or the like. They create boundaries around certain activities and protect them. Other individuals who are just as successful do just the opposite. They blur the boundaries. Says consultant Alan Weiss, "I work out of my home. In the afternoon, I might be watching my kids play at the pool or be out with my wife. On Saturday, or at ten o'clock on a weeknight, I might be working. I do things when the spirit moves me, and when they're appropriate."
Some jobs don't lend themselves to this strategy. But blurring the boundaries is possible more often than you may think. One way is to involve people you care about in what you do. For example, many companies encourage employees to bring their spouses to conferences and annual meetings. It's a good idea. If people who mean a great deal to you understand what you do, they can share more fully in your successes and failures. They also are more likely to be a good sounding board for your ideas.
5. Take a break. Many therapists believe that taking a break from a work routine can have major benefits for mental and physical health. Professional speaker and executive coach Barbara Pagano practices a kind of quick charge, by scheduling a day every few months with no agenda. For her, that means staying in her pajamas, unplugging the phone, watching old movie or reading a novel in bed. For that one day, nothing happens, except what she decides from hour to hour. Adds singer and composer Billy Joel, "There are times when you need to let the field lie fallow." Joel is describing what farmers often do: let a plot rest so the soil can replenish itself.
6. Take the road less traveled. Occasionally, get off the expressway and take a side road, literally and figuratively. That road may take you to the library or to the golf course. Do something out of the ordinary to avoid the well-worn grooves of your life. Try a new route to work, a different radio station or a different cereal. Break out of your old mold occasionally, with a new way to dress or a different hobby. The road less traveled can be a reward after a demanding event, a carrot that you reward your self with or it can be a good way to loosen up before a big event. Bobby Dodd, the legendary football coach at Georgia Tech, knew the power of this concept. While other coaches were putting their teams through brutal twice-a-day practices, Dodd's team did their drills and practices, but then took time to relax, play touch football and enjoy the bowl sites. Did the idea work? In six straight championships games!
7. Be still. Susan Taylor, editorial director of Essence, sees to it that she has quiet time every morning. She regards it as a time for centering - for being still and listening. She keeps a paper and pen with her to jot down ideas that come to her. The way you use solitary time should match your values, beliefs and temperament. Some individuals devote a regular time each day to visualize themselves attaining their goals and dreams. Others read, pray, meditate, do yoga or just contemplate a sunrise or sunset. Whatever form it takes, time spent alone can have an enormous payoff. Achievers talk about an inner strength they find and how it helps them put competing demands into perspective. They feel more confident about their choices and more self-reliant. They discover a sense of balance, a centeredness.
8. Be a peacetime patriot. Joe Posner has achieved wealth and recognition selling life insurance. Several years ago, Posner helped form an organization in his hometown of Rochester, NY to prepare underprivileged children for school and life and, he hopes, break the poverty cycle. You may find some equally worthy way to give something back through your church, hospital, civic club, alumni association or by doing some pro bono work. Or you may help individuals privately, even anonymously. There are powerful rewards for balancing personal interests with the needs of the common good. One of the most wonderful is the sheer joy that can come from giving. Another reward is the better world that you help create.
9. Do what you love to do. As a boy, Aaron Copeland spent hours listening to his sister practice the piano because he loved music. By following that love, he became America's most famous composer of classical must. When I asked him years later if he had even been disappointed by that choice Copeland replied, "My life has been enchanting." What a word to sum up a life. By itself, loving what you do does not ensure success. You need to be good at what you love. But if you love what you do, the time you spend becoming competent is less likely to be drudgery.
10. Focus on strategy. As important as it is, how to save time for balancing your life is not the ultimate question. That question is, "What am I saving time for?" Strategy has to do with being successful - but successful at what? If others pay your salary, being strategic generally means convincing them that you are spending your time in a way that benefits them. If there is a dispute over how you should use your time, either convince the people who can reward or punish you that your idea about using time is appropriate, or look for another job. The "what for?" question should also be asked about the life you live. It is truly a comprehensive question and gets at the question of wholeness.
So what makes for a successful balance life? I can think of no better definition than the one given by Ralph Waldo Emerson:
To laugh often and much; to win the respect of intelligent people and affection of children; to earn the appreciation of honest critics and to endure the betrayal of false friends; to appreciate beauty, to find the best in others; to leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition; to know even one life has breathed easier because I have lived. This is to have succeeded.
milan......................
Balance requires continual adjustments, like an acrobat on a high wire who constantly shifts his weight to the right and to the left. By focusing on four main areas of your life - emotional/spiritual needs, relationships, intellectual needs and physical needs - at work and away from work, you can begin to walk the high wire safely.
Here, drawn from my conversations with many high successful Americans, are ten ideas for balancing all aspects of your life:
1. Make an appointment with yourself. Banish from your mind the idea that everyone takes precedence over you. Don't use your organizer or calendar just for appointments with others. Give yourself some prime time. Regularly do something you enjoy. It will recharge your batteries. Once you've put yourself on your calendar, guard those appointments. Kay Koplovitz founder of the USA cable television network, which is on the air 24 hours a day, seven days a week, 52 weeks a year. Koplovitz ran the daily operations of the network for 21 years. For more than two decades, there was always some potential claim on her time. Therefore she vigilantly protected a scheduled tennis match just as she would a business appointment.
2. Care for your body. Having a high energy level is a trait held by many highly successful people. No matter what your present level of energy, you can increase it by following these steps:
Eat. Don't skip meals. Your physical and mental energy depend upon nourishment. Irregular eating patterns can cause a frayed temper, depression, lack of creativity and a nervous stomach.
Exercise. Over and over again, highly successful people mention the benefit of exercise routines. Johnetta Cole, president of Bennett College for Women and former president of Spelman College, does a four-mile walk each morning. She calls it her mobile meditation. The benefits of exercise are mental, emotional, physical and spiritual. If you are healthier and have more stamina, you can work better and longer.
Rest. A psychologist who has studied creative people reports that they rest often and sleep a lot.
3. Cut some slack. You do not have to do everything. Just the right things. Publisher Steve Forbes taught me a lesson: "Don't be a slave to your in-box. Just because there's something there doesn't mean you have to do it." As a result, every evening, I extract from my long list to-do list just a few "musts" for the following day. If, but three o'clock the next day, I've crossed off all the "musts," I know that everything else I do that day will be icing on the cake. It is a great psychological plus for me.
There is nothing wrong with pushing yourself hard, disciplining yourself to
do what needs to be done when you hold yourself to the highest standards. That builds up stamina and turns you into a pro. At time, though, you must forgive yourself. You will never become 100 percent efficient, nor should you expect to be. After something does not work, ask yourself, "Did I do my best? If you did, accept the outcome. All you can do is all you can do.
4. Blur the boundaries. Some very successful people achieve balance by setting aside times or days for family, recreation, hobbies or the like. They create boundaries around certain activities and protect them. Other individuals who are just as successful do just the opposite. They blur the boundaries. Says consultant Alan Weiss, "I work out of my home. In the afternoon, I might be watching my kids play at the pool or be out with my wife. On Saturday, or at ten o'clock on a weeknight, I might be working. I do things when the spirit moves me, and when they're appropriate."
Some jobs don't lend themselves to this strategy. But blurring the boundaries is possible more often than you may think. One way is to involve people you care about in what you do. For example, many companies encourage employees to bring their spouses to conferences and annual meetings. It's a good idea. If people who mean a great deal to you understand what you do, they can share more fully in your successes and failures. They also are more likely to be a good sounding board for your ideas.
5. Take a break. Many therapists believe that taking a break from a work routine can have major benefits for mental and physical health. Professional speaker and executive coach Barbara Pagano practices a kind of quick charge, by scheduling a day every few months with no agenda. For her, that means staying in her pajamas, unplugging the phone, watching old movie or reading a novel in bed. For that one day, nothing happens, except what she decides from hour to hour. Adds singer and composer Billy Joel, "There are times when you need to let the field lie fallow." Joel is describing what farmers often do: let a plot rest so the soil can replenish itself.
6. Take the road less traveled. Occasionally, get off the expressway and take a side road, literally and figuratively. That road may take you to the library or to the golf course. Do something out of the ordinary to avoid the well-worn grooves of your life. Try a new route to work, a different radio station or a different cereal. Break out of your old mold occasionally, with a new way to dress or a different hobby. The road less traveled can be a reward after a demanding event, a carrot that you reward your self with or it can be a good way to loosen up before a big event. Bobby Dodd, the legendary football coach at Georgia Tech, knew the power of this concept. While other coaches were putting their teams through brutal twice-a-day practices, Dodd's team did their drills and practices, but then took time to relax, play touch football and enjoy the bowl sites. Did the idea work? In six straight championships games!
7. Be still. Susan Taylor, editorial director of Essence, sees to it that she has quiet time every morning. She regards it as a time for centering - for being still and listening. She keeps a paper and pen with her to jot down ideas that come to her. The way you use solitary time should match your values, beliefs and temperament. Some individuals devote a regular time each day to visualize themselves attaining their goals and dreams. Others read, pray, meditate, do yoga or just contemplate a sunrise or sunset. Whatever form it takes, time spent alone can have an enormous payoff. Achievers talk about an inner strength they find and how it helps them put competing demands into perspective. They feel more confident about their choices and more self-reliant. They discover a sense of balance, a centeredness.
8. Be a peacetime patriot. Joe Posner has achieved wealth and recognition selling life insurance. Several years ago, Posner helped form an organization in his hometown of Rochester, NY to prepare underprivileged children for school and life and, he hopes, break the poverty cycle. You may find some equally worthy way to give something back through your church, hospital, civic club, alumni association or by doing some pro bono work. Or you may help individuals privately, even anonymously. There are powerful rewards for balancing personal interests with the needs of the common good. One of the most wonderful is the sheer joy that can come from giving. Another reward is the better world that you help create.
9. Do what you love to do. As a boy, Aaron Copeland spent hours listening to his sister practice the piano because he loved music. By following that love, he became America's most famous composer of classical must. When I asked him years later if he had even been disappointed by that choice Copeland replied, "My life has been enchanting." What a word to sum up a life. By itself, loving what you do does not ensure success. You need to be good at what you love. But if you love what you do, the time you spend becoming competent is less likely to be drudgery.
10. Focus on strategy. As important as it is, how to save time for balancing your life is not the ultimate question. That question is, "What am I saving time for?" Strategy has to do with being successful - but successful at what? If others pay your salary, being strategic generally means convincing them that you are spending your time in a way that benefits them. If there is a dispute over how you should use your time, either convince the people who can reward or punish you that your idea about using time is appropriate, or look for another job. The "what for?" question should also be asked about the life you live. It is truly a comprehensive question and gets at the question of wholeness.
So what makes for a successful balance life? I can think of no better definition than the one given by Ralph Waldo Emerson:
To laugh often and much; to win the respect of intelligent people and affection of children; to earn the appreciation of honest critics and to endure the betrayal of false friends; to appreciate beauty, to find the best in others; to leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition; to know even one life has breathed easier because I have lived. This is to have succeeded.
milan......................
Monday, October 13, 2008
7 Techniques to Supercharge your Creativity and Solve your Problems
Do you ever encounter problems, challenges or obstacles in your business? If you answered 'no,' then you can stop reading and continue to rake in the fortune you must be making. For the rest of us, the answer of course is 'yes.'
For the most troubling problems, the biggest challenge is in your inability to come up with new and innovative solutions. This is because when you try to solve a problem, you probably use the same approach every time ('let me sit here and think about it until I come up with something?'). The next time you try to solve a problem, try applying any (or all) of these approaches:
1) Be Obvious - Cances are, whatever your problem is, there is some conventional wisdom about how to solve it. Ask yourself why you are not following it, and evaluate for yourself whether your reasons are valid. Sometimes the easiest solution is the one right in front of us.
2) Be Contrarian - The opposite of being obvious, being contrarian means to consider doing the opposite of what conventional wisdom says. If the standard advice is to buy, think about selling. Instead of working more, work less. Note: This does not mean you should automatically DO what the opposite is; it just means to let your mind wander over the opposite to get it working in another direction.
3) Start Where you are - Sometimes we get so caught up in the long term goal that we lose sight of where we are. Think about your problem and what you might do right now to solve it. Usually this results in frustration because we don't have a fully formed solution. But just because an idea is not fully formed does not mean that it does not have some validity. Start with your current idea and watch as new ideas present themselves.
4) Chunk up - If you can't figure out how to achieve your goal, try looking at the bigger picture. If your goal is to earn $10,000 this month and you can't figure out how, think bigger - maybe you want $10K because you want to earn six figures this year. Then start to brainstorm ways of earning six figures. Don't get so caught up on your problem that you lose sight of the bigger picture.
5) Chunk down - The opposite of chunking up. Think in terms of smaller details. Continuing with the $10K example, if you can't think of how to earn $10,000 this month, can you think of ways to earn $333 per day? Maybe, but even if you can't it gets the mind working in a new way.
6) Take a REAL Break - Stop working on the problem for a bit and let your subconscious work on it. This requires two things. First, you need to actually give your mind a break and recharge. Switching from thinking about one problem to another will not do it. Get away from the problem an your work, even if for only five minutes. Second, make sure you are not dwelling on the problem. Taking a walk to get away from work is great, but if you continue to mull over the problem your not really giving your mind a break from it.
7) Move - Get the blood flowing! Exercise, walk, run, stretch, whatever. Be it from blood flow, endorphins, or a change in focus, physical movement enhances creativity. I do some of my best thinking while shooting baskets. Find out what works for you and do it.
There are many different techniques you can use to solve a problem. Try the few above to start, and then come up with your own. Use them well, and watch yourself create new and exciting solutions faster than ever.
milan.............
For the most troubling problems, the biggest challenge is in your inability to come up with new and innovative solutions. This is because when you try to solve a problem, you probably use the same approach every time ('let me sit here and think about it until I come up with something?'). The next time you try to solve a problem, try applying any (or all) of these approaches:
1) Be Obvious - Cances are, whatever your problem is, there is some conventional wisdom about how to solve it. Ask yourself why you are not following it, and evaluate for yourself whether your reasons are valid. Sometimes the easiest solution is the one right in front of us.
2) Be Contrarian - The opposite of being obvious, being contrarian means to consider doing the opposite of what conventional wisdom says. If the standard advice is to buy, think about selling. Instead of working more, work less. Note: This does not mean you should automatically DO what the opposite is; it just means to let your mind wander over the opposite to get it working in another direction.
3) Start Where you are - Sometimes we get so caught up in the long term goal that we lose sight of where we are. Think about your problem and what you might do right now to solve it. Usually this results in frustration because we don't have a fully formed solution. But just because an idea is not fully formed does not mean that it does not have some validity. Start with your current idea and watch as new ideas present themselves.
4) Chunk up - If you can't figure out how to achieve your goal, try looking at the bigger picture. If your goal is to earn $10,000 this month and you can't figure out how, think bigger - maybe you want $10K because you want to earn six figures this year. Then start to brainstorm ways of earning six figures. Don't get so caught up on your problem that you lose sight of the bigger picture.
5) Chunk down - The opposite of chunking up. Think in terms of smaller details. Continuing with the $10K example, if you can't think of how to earn $10,000 this month, can you think of ways to earn $333 per day? Maybe, but even if you can't it gets the mind working in a new way.
6) Take a REAL Break - Stop working on the problem for a bit and let your subconscious work on it. This requires two things. First, you need to actually give your mind a break and recharge. Switching from thinking about one problem to another will not do it. Get away from the problem an your work, even if for only five minutes. Second, make sure you are not dwelling on the problem. Taking a walk to get away from work is great, but if you continue to mull over the problem your not really giving your mind a break from it.
7) Move - Get the blood flowing! Exercise, walk, run, stretch, whatever. Be it from blood flow, endorphins, or a change in focus, physical movement enhances creativity. I do some of my best thinking while shooting baskets. Find out what works for you and do it.
There are many different techniques you can use to solve a problem. Try the few above to start, and then come up with your own. Use them well, and watch yourself create new and exciting solutions faster than ever.
milan.............
Sunday, October 12, 2008
15 Tips For Making A Great Speech
Date 13-10-2008.
1. Listen to your internal dialog.
2. Visualize a positive out come.
3. It's not all your fault.
4. Do you believe in your message, do you have
something to say?
5. Look at your audience as an extension of your
family.
6. Prepare a good introduction and conclusion.
Open with impact, close with direction.
7. Be Natural.
8. Tape Yourself.
9. The audience want speakers who are believable,
dynamic, comfortable, enthusiastic, knowledgeable,
uses humor.
10. A good speaker leaves the audience hungry for
more. Stimulate them to action.
11. Over dress.
12. Read your audience's reaction. Learn to dance
with them. You lead, they will follow.
13. Ask for angled or curved seating, so the
audience can see each other's reactions.
14. Your audience will best remember the first and
last things you discuss, plus those which are
outstanding, relevant, and repeated.
15. FOR A SHORT SPEECH: Identify your topic. Write
the conclusion you want to reach. Write your
attention getting opening. Choose 3 key points
you want to make. Find or create a story or
illustration that proves each point. Add linkage
to bridge the gap between (transitions).
If I can do it, so can you. With 20 years of experience under my
belt, I put together a very special report for you; "Public
Speaking Made Easy". There are four simple steps, and great solutions
on dealing with the fear of speaking.
milan..........................
1. Listen to your internal dialog.
2. Visualize a positive out come.
3. It's not all your fault.
4. Do you believe in your message, do you have
something to say?
5. Look at your audience as an extension of your
family.
6. Prepare a good introduction and conclusion.
Open with impact, close with direction.
7. Be Natural.
8. Tape Yourself.
9. The audience want speakers who are believable,
dynamic, comfortable, enthusiastic, knowledgeable,
uses humor.
10. A good speaker leaves the audience hungry for
more. Stimulate them to action.
11. Over dress.
12. Read your audience's reaction. Learn to dance
with them. You lead, they will follow.
13. Ask for angled or curved seating, so the
audience can see each other's reactions.
14. Your audience will best remember the first and
last things you discuss, plus those which are
outstanding, relevant, and repeated.
15. FOR A SHORT SPEECH: Identify your topic. Write
the conclusion you want to reach. Write your
attention getting opening. Choose 3 key points
you want to make. Find or create a story or
illustration that proves each point. Add linkage
to bridge the gap between (transitions).
If I can do it, so can you. With 20 years of experience under my
belt, I put together a very special report for you; "Public
Speaking Made Easy". There are four simple steps, and great solutions
on dealing with the fear of speaking.
milan..........................
5 Steps on How to Set and Achieve Your Goals
Date 12-10-2008.
Which one is a goal?
I will lose 15 pounds
I want to run a marathon
Quit smoking
All of the above
None of the above
The correct answer is (5) - none of the above. The first three are wishes, not goals. However, you are not alone if you answered incorrectly because research has shown that less than 1% of the population actually understands how to effectively set a goal. This is why so many New Year's resolutions get broken and why so many people try keep failing at the very same goal. The desire to better ourselves is genuine, but the process we go about while seeking this desire is faulty.
Here are five steps to follow when setting an effective goal:
1) Your Goal MUST be meaningful to YOU
This means that you have to be the person to create it - not your spouse or employer. Make sure that the things you are investing your time and energy into are things you are passionate about. When you achieve it, you will be fired up about it.
2) Make your goals specific (quantifiable) and measurable (end date)
I will lose 15 pounds by October 31st, 2004 is a goal because you will know at the end of the time period if you did it or did not achieve it. Many people do not give themselves an end date because they are afraid of failure. In addition, not having an end date allows you to procrastinate.
3) Make your goals the right size
Goals should cause you to stretch and grow, but not be unrealistic. For instance, earning one million dollars your first year out of college has been done, but for most it is unrealistic. On the flip side, if your goal is to run a mile in 6:59 versus 7 minutes, you have not pushed yourself enough. Also, focus on a few achievable tasks at one time and move on as you reach them.
4) An Effective Goal is always written down
This is extremely helpful and essential because there will be times when you goals will make you uncomfortable and you may lose site of them. When this happens, you need to have them written down to keep yourself on track and accountable. Posting your goals on the refrigerator, bulletin board, or in your planner ensures that you will be reminded of them on a daily basis.
5) Review them on a weekly basis
You must review your goal in order to stay on track. Reviewing them causes you to commit to their achievement.
The positive results of achieving any goal are unforgettable. An individual's failure to achieve is seldom because they are incompetent. Rather, it is because they simply do not know the process of success. Follow these guidelines, be patient, and celebrate your success to come.
milan.........
Which one is a goal?
I will lose 15 pounds
I want to run a marathon
Quit smoking
All of the above
None of the above
The correct answer is (5) - none of the above. The first three are wishes, not goals. However, you are not alone if you answered incorrectly because research has shown that less than 1% of the population actually understands how to effectively set a goal. This is why so many New Year's resolutions get broken and why so many people try keep failing at the very same goal. The desire to better ourselves is genuine, but the process we go about while seeking this desire is faulty.
Here are five steps to follow when setting an effective goal:
1) Your Goal MUST be meaningful to YOU
This means that you have to be the person to create it - not your spouse or employer. Make sure that the things you are investing your time and energy into are things you are passionate about. When you achieve it, you will be fired up about it.
2) Make your goals specific (quantifiable) and measurable (end date)
I will lose 15 pounds by October 31st, 2004 is a goal because you will know at the end of the time period if you did it or did not achieve it. Many people do not give themselves an end date because they are afraid of failure. In addition, not having an end date allows you to procrastinate.
3) Make your goals the right size
Goals should cause you to stretch and grow, but not be unrealistic. For instance, earning one million dollars your first year out of college has been done, but for most it is unrealistic. On the flip side, if your goal is to run a mile in 6:59 versus 7 minutes, you have not pushed yourself enough. Also, focus on a few achievable tasks at one time and move on as you reach them.
4) An Effective Goal is always written down
This is extremely helpful and essential because there will be times when you goals will make you uncomfortable and you may lose site of them. When this happens, you need to have them written down to keep yourself on track and accountable. Posting your goals on the refrigerator, bulletin board, or in your planner ensures that you will be reminded of them on a daily basis.
5) Review them on a weekly basis
You must review your goal in order to stay on track. Reviewing them causes you to commit to their achievement.
The positive results of achieving any goal are unforgettable. An individual's failure to achieve is seldom because they are incompetent. Rather, it is because they simply do not know the process of success. Follow these guidelines, be patient, and celebrate your success to come.
milan.........
Wednesday, October 8, 2008
Music Making as Spiritual Experience
Date 08-10-2008.
If you've been playing piano for some time, you may come upon periods where you forget yourself and only the music remains. You might even have had a spiritual experience. A phenomenon where emotion and intellect become one and the outside world disappears.
This experience is what we all want, whether we admit it or not. This is a very important part of making music - especially new age music. We want that moment where we can stop thinking and start feeling.
Of course, there are times when we create something for a specific purpose such as dance music, rock and roll, etc. But when you are attuned to your feeling and letting the music flow from your fingers the wonder and magic of it is enough to make you want to come back again and again for more.
To get to this place does not require any special ability. It only requires that you know a little about chords and how to use them. Then, you place your fingers on a chord and off you go.
What makes this complicated for some is their indecision about which chord or notes to play. After all, there are thousands of choices. The solution for this problem is limiting your choices. In the free lessons, I give you a scale to play and a few chords from that scale to improvise with. This is enough material to get the imagination going. Some students thrive on limits while others fight them. I fought them too until I realized that my goal was to feel good about music making - not to create a masterpiece.
As soon as I thought about creating anything - I froze up. Technically, I knew a lot but it did me no good. I reexamined my reasons for making music and came to the conclusion to keep it simple. Simple, in my mind at the time meant boring. But I finally let go of the need to please others and as soon as I did, I began to experience music making as a spiritual experience.
Now, there is nothing that heals me so much as just being at the piano - letting the notes fall where the will within the limitations I set for myself. First, I allow myself to gravitate to any sound that calls me. For example, it could be a minor chord. It might be the pentatonic sound that calls to me. Then I simply stay within that sound or tonality and all is well.
Edward Weiss is a pianist/composer and webmaster of Quiescence Music's online piano lessons. He has been helping students learn how to play piano in the New Age style for over 14 years and works with students in private, in groups, and now over the internet. Stop by now at http://www.quiescencemusic.com/piano_lessons.html for a FREE piano lesson!
milan................
If you've been playing piano for some time, you may come upon periods where you forget yourself and only the music remains. You might even have had a spiritual experience. A phenomenon where emotion and intellect become one and the outside world disappears.
This experience is what we all want, whether we admit it or not. This is a very important part of making music - especially new age music. We want that moment where we can stop thinking and start feeling.
Of course, there are times when we create something for a specific purpose such as dance music, rock and roll, etc. But when you are attuned to your feeling and letting the music flow from your fingers the wonder and magic of it is enough to make you want to come back again and again for more.
To get to this place does not require any special ability. It only requires that you know a little about chords and how to use them. Then, you place your fingers on a chord and off you go.
What makes this complicated for some is their indecision about which chord or notes to play. After all, there are thousands of choices. The solution for this problem is limiting your choices. In the free lessons, I give you a scale to play and a few chords from that scale to improvise with. This is enough material to get the imagination going. Some students thrive on limits while others fight them. I fought them too until I realized that my goal was to feel good about music making - not to create a masterpiece.
As soon as I thought about creating anything - I froze up. Technically, I knew a lot but it did me no good. I reexamined my reasons for making music and came to the conclusion to keep it simple. Simple, in my mind at the time meant boring. But I finally let go of the need to please others and as soon as I did, I began to experience music making as a spiritual experience.
Now, there is nothing that heals me so much as just being at the piano - letting the notes fall where the will within the limitations I set for myself. First, I allow myself to gravitate to any sound that calls me. For example, it could be a minor chord. It might be the pentatonic sound that calls to me. Then I simply stay within that sound or tonality and all is well.
Edward Weiss is a pianist/composer and webmaster of Quiescence Music's online piano lessons. He has been helping students learn how to play piano in the New Age style for over 14 years and works with students in private, in groups, and now over the internet. Stop by now at http://www.quiescencemusic.com/piano_lessons.html for a FREE piano lesson!
milan................
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