Posted on | July 29, 2014 | No Comments
The Caregiver’s Emotions
There is a balance between the jobs of a caregiver and the feelings of a caregiver. If you can detach yourself from the many emotions you feel when you have taken on this hard job, many of the “tasks” are fairly routine. Whether it’s doing your mom and dad’s laundry or grocery shopping or paying the bills or filling out the Medicare paperwork, much of the “stuff” of being a caregiver is pretty humdrum.
But just doing the chores of taking care of your aging parent’s physical needs is not all there is to being a caregiver. If that was all there was to it, you could hire someone to handle that. No, the real challenge of being a good caregiver for your elderly parent is the emotional support you give to them as they struggle with a tough part of their life.
This is particularly true if you are helping your mom or dad through the trials of a terminal illness. Even if they are good at putting up a brave front for the grandkids and the people at church, your mom or dad experience a gamut of feelings if the end of their lives is directly ahead due to that illness.
The caregiver’s emotions at helping your parent deal with this somber realization are tremendously complex. You have your personal emotions that are a preliminary form of grief. That is why at the funeral of a senior citizen who passed away from a lingering disease, the caregiver doesn’t seem to be grieving as much as others. The truth is, the caregiver gets most of her grieving out of the way while the senior is still here and they work together to cope with the decline and passing as best they can. So by the funeral, the caregiver is usually “all grieved out.”
But your emotions about how you feel about your loved one and about this job of taking care of mom or dad in their final months or years will have a direct effect on how you go about the job of taking care of your mom or dad and how you feel about that job as well. Probably the two emotions most commonly associated with taking care of an elderly person in decline are pity and compassion.
Pity is not really a good summary of the feelings you have about taking care of your elderly parent or parents. You don’t really “feel sorry for them” the same way you might feel toward a hurt puppy or a baby that cries. Pity is not an action emotion. The action emotion that doesn’t just look at the suffering or unhappiness of the parent and say, “that’s a shame” is compassion. Compassion sees a need in the elderly parent and doesn’t just feel bad about it. Compassion says, “There’s a need. What can I do about it?” Compassion is the genuine emotion of a caregiver.
Can you influence whether you will react with pity or compassion to your elderly parent? Yes and how you manage your emotions will be a big factor in how successful you are as a caregiver. There are three key tips you should keep in mind constantly to help you manage not only your emotions but how you react to problems that come up in your care giving. They are…
§ Focus on the one you are caring for, not on yourself. Focusing on yourself breeds self pity and resentment. Focusing on them builds bonding and affection for your mom or dad.
§ Focus on the solution to the problem, not its effects. A good doctor doesn’t cure symptoms, he cures the disease. Don’t dwell on how bad something is but on what can be done to eliminate the problem entirely.
§ Focus on creating joy and happiness, not grief and sadness. Look for the good in a day. Look for joyful moments, times when you and your elderly parent can laugh, enjoy a meal or a good movie and use this time for fellowship and being together. That is the real joy of being a caregiver and one only you will enjoy in its fullest.
If you use these three “marching orders” of being a caregiver, your emotions will get in line and you will function out of compassion and not pity. Then your emotions will become powerful aids in your goals to help your elderly parent.
Posted on | July 28, 2014 | No Comments
Welcome to the wide world of plumbing. There is a dizzying array of fixtures and plumbing methods to learn about. Plumbing is a personal issue when dealing with home improvement, oftentimes making it seem somewhat difficult to find a solution that works for you. The following article provides you with some great suggestions to help you out as you tackle plumbing projects.
Make sure you know where your home’s water shutoff is located. You never know when there might be an emergency involving a broken pipe or damaged connection that requires you to turn off the water right away. In addition, knowing where the shutoff is located is vital before you start any plumbing project, in case anything goes wrong.
Do not fall for the idea that liquid grease can be easily washed down the drain with hot water. While the grease may flow past the initial drain with the water, it does not take much of a temperature change as it moves through your pipes to alter from liquid to solid. The repeat habit of dumping grease in the sink is a sure-fire way to ensure a hard-to-reach clog forming in the future.
Make sure you clean out overflow holes in your kitchen and bathroom sinks on a regular basis. These holes are intended to act as an emergency fail-safe to prevent spillage from a full sink, but if they are clogged they can’t do their job. You can clean out an overflow hole using the same techniques you would for a clogged drain.
In cold climate areas, sometimes the pipes in the plumbing system freeze. You can thaw them out without calling a plumber. Before beginning this process, open the faucet and begin thawing closest to the faucet and then move down the line as sections thaw out. One method you can use is to wrap the pipe with a heavy towel or burlap and then pour hot water over it, set a bucket underneath to catch the water.
You can remove unsightly mineral buildup from your shower head by soaking it in vinegar overnight. This loosens the deposits, and in the morning you only need to wipe off the residue with a rag. If your shower head is high up an not removable, place vinegar in a plastic bag, slip the bag over the shower head and hold in place with a twist tie.
Keep an eye on the hoses for your dishwasher and washing machine. These hoses can leak and bulge, which can be a problem. Check them for signs of wear and tear and replace any hoses more than 10 years old. You’ll find that these hoses age well, but you have got to make sure they are doing the job they should.
To avoid freezing pipes in the winter, make sure to insulate any exposed pipes in you basement before winter comes. Pay extra attention to pipes near the outside walls. If you have had a problem with any particular pipe freezing in the past, apply some heat tape to insulate those pipes.
Ask before the plumber comes out if they charge for the consultation. In order to quote a project, the plumber has to come out to inspect your particular issue. It is standard to charge for the consultation appointment but the prices can vary wildly. Ask upfront so that you aren’t surprised by the total.
In conclusion, there many methods to use to improve your plumbing skills. Plumbing has something for all homes. However, what’s effective for one home might not work for another one. These tips should be able to get you started on your own system.
Posted on | July 27, 2014 | No Comments
An e-hug or e-kiss will do no harm. You will find that the surroundings are absolutely beautiful. A complimentary valet starts your evening off on a highly romantic note. Other common relationship types that are dealt with in tarot readings are friendships and work based relationships. Once a primary reading has happened, the seeker can then move onto the individual relationships in their lives depending where their problem lies or they need clarification. Romantic attraction is something that is known and felt from within. Pfister Art Museum Package: 9 (double occupancy) One night accommodations at the elegant Pfister Hotel, Two tickets to the Milwaukee Art Museum, Premium bottle of California wine, dining credit in exceptional restaurant, Pfister Art Collection Book. Love is the most beautiful feeling to be experienced, and the pleasures of this experience can be enhanced by gifting the dearly loved one, the right kind of Romantic cards. Just take it even more- Continue the previously mentioned stated basic steps and take the up coming move into foreplay. Most relationship issues stem from two simple issues: you have picked the wrong individual or you are incredibly insecure about yourself. If you live in Washington Northwest, follow these advices. It is not unusual to find Cancer men near water. So for a little romance in sin city skip the buffets and look for a hidden gem. Destinations range from the traditional Las Vegas quickie to one of many Caribbean beach resorts, with weather being a key selection factor. The Music of the Romantic Era. We welcome all comments and suggestions, please comment intelligently. There is an extensive wine list. This movie shows a man’s life of agony because he must choose between fidelity for the woman he married and built a life with and passion he feels for the woman who inspires him. Especially since I love writing short love poems and love words. This movie is an shining example on the importance of friends in life. It entertains on an even keel and ends on a tame note.
In a society of advocating thrift and environmental protection, simple wedding is more popular and practical. Reena Roy and Naseeruddin Shah had done the roles with heart-stopping tension in “Bezubaan”. Here, check them out. Kate’s world is flipped over when her sister dies in a car accident and leaves her young daughter in her care. He craves security and will always be fixated on money. No matter how much money he piles up in reserve he will never really feel secure. Amenities include indoor swimming pool, spa, fitness facilities and more. Paris offers countless things to see and do. When examining the activities, it is important to remember that camping is an activity all by itself. You can create a camp site at your home or on your patio. The gorgeous scenery of the mountains and the seductive sunsets will be an aphrodisiac all on their own. Find a company that accepts your personalized photo and then copies and makes them into edible pictures. Here are four steps to create out a simple and romantic wedding. Include gifts that are sure to be useful while on location at the wedding, like sunglasses, tourist maps, disposable cameras, hats, and pamphlets that detail all of the best attractions in the local area. But power isn’t happiness, and I think that maybe happiness comes from caring more about people rather than less… For a completely different atmosphere check out Cili. I find them all the time at arts and crafts store and even the Container Store. Also, don’t underestimate the power of using humor in your poetry. Cook food together. The Pfister has been named one of the world’s best places to stay according to Conde Nast Magazine. The movie is based on Levy’s own experiences of his ill-fated honeymoon. Located in Tucson’s picturesque Santa Catalina Foothills, Anthony’s in the Catalinas is known for its romantic atmosphere and gourmet dishes. He will most likely even feel better about himself in the act. Price varies with day of week and time of day, with midweek lunches being the least expensive and Saturday dinners the most expensive.
Posted on | July 26, 2014 | No Comments
Learning how to manage your insurance needs is important. Having quality insurance will ensure that when the unexpected happens you will be covered. There are so many different types of insurance out there and so many different ways to handle your insurance needs. Here we’ve complied some tips to help you.
You can bundle your insurance policies if you want to save money on your insurance. Use the same company for all your insurance needs to lower your premiums. So the next time you are shopping for the right insurance, obtain quotes separately and then get the bundled cost. Watch for the difference in prices.
Much like car insurance or health insurance, having a higher deductible can save you money on your premium. The downside to all of this, is that if you have a small claim to make, you will most likely have to pay for the entire repair out of your own pocket.
When purchasing insurance, make sure you buy it over the internet. Most insurance companies offer discounts for those who purchase their coverage over the internet rather than in person or over the phone. Some offer discounts between 5-15%. It may not seem like a lot at first, but it adds up over time.
Consolidating all of your insurance policies under one roof can help you save a bundle on your premiums. Insurance companies commonly give big discounts to people who have multiple policies. Talk to your insurance company and ask for a quote on other forms of insurance to see how much money you could save.
If you own a small business, make sure you have the right insurance. An insurance should cover any damages that your employees might accidentally cause to your customers, as well as the value of the building and inventory. A small business insurance can be quite expensive, but is absolutely necessary.
In order to get good rates on insurance and the best way to save money, is to shop around for different rates. Different companies use different kinds of formulas in calculating insurance rates and therefore, will have different rates depending on the individual’s specifications. By shopping around, lots of money can be saved.
Save on all of your insurance policies with multiple policy discounts. If you have separate home, life, car and health insurance policies, it may be worth checking with each of your companies for quotes on your other policy types. Many insurance companies will offer a discount if you carry multiple policies with them.
Customer service is an important consideration regarding insurance companies as you have to deal with them in emergencies. Find out what others think of your prospective insurer. If you are on the market for home owner insurance you can visit J. D. Power’s website where consumers can rate the insurance companies.
Don’t rule out using an insurance broker. An insurance broker can save you time by doing a lot of research then presenting you with the insurance policies best suited to your needs. They can also explain legal terms in insurance policies and they can often offer you great discounts on policies.
The best way to keep your insurance premiums low is to never file a claim for a small item. When you are considering filing a claim, take into account the amount your premium is likely to go up and how much extra that will cost you. Next, compare that to the amount your claiming, and if the claim amount is lower you should pay for it yourself. This could save you hundreds of dollars in the long-term.
Insurance coverage can be a minefield of unfamiliar terms, fine print, discounts, coverage levels and so on. There’s no way we can cover everything you need to know here but hopefully this has been a good starter to get you on your way. Research your particular needs and make sure that you stay covered!
Posted on | July 25, 2014 | No Comments
Is a prerequisite for all the sharing that will eventually shape your relationship. To succeed at dating and find a strong, loving relationship, you need to understand what really makes a man feel good. You can visit my blogs for more effective expert relationship strategies to reconcile with your ex-boyfriend when you visit these links below at the Authors Bio section. Also, don’t be concerned if you are not a runway model in the looks department. Obviously, these kinds of women have their admirers and the best way for them to meet with men is through dating sites. While dangers from dating sites is not common, viewers should still consider that the person with whom they are talking with may not be anything like they describe. Holland girls may choose any single man to contact with. This is the reason why I urge so many folks to truly take these rules to heart. I’ve enjoyed everyone from Michael Jackson to Beyonce Knowles to Madonna. Online Dating The nervousness and excitement that comes along with meeting someone of the opposite sex, in a pre-arranged meeting, is an experience that is rare to forget. If these features aren’t enough they have a 24/7 customer care staff you can call to help you. Today, an older guy will display his younger partner openly, publicly and with pride. You will exchange e-mail and telephone numbers. After all, a first impression may also become a last impression. Cyberspace is a big strange world with a whole lot of unknown precepts toe explore. We long to feel loved again, held and kissed again. They went their separate ways, and he is still looking for another one like her to this day.
A Muslim man is allowed to have up to 4 wives and this might be a cause of worry for you. From the very beginning, her misleading photo indicated that she was someone who he couldn’t necessarily trust. His friends will usually even be around on your dates. But since I felt such a connection with him, such a friendly relationship growing, I called him myself when the weekend was over. If and when you decide to meet in person, meet in a public place. The possibility of using a marriage counselor on an online dating website, therefore, tends to decrease with the self-sufficiency of the couple. Whether it’s sending emails through a forum, chatting online, or more. You can clearly tell about what you are seeking from such a free website and what you are expecting to have in your prospective partner. The features of both types are the same. Fallacy: Consume low-calorie food when out on a date with a guy to let him know you take good care of yourself to look attractive. Many people choose dating in order to get their first taste of what a relationship can be like, allowing the rules of dating to serve as their virtual guide to learning how to act in a relationship and how the rules of dating impact the course of the relationship. Finding a partner with the same qualities can form an instant bond. The information above was designed to make the dating process easier for you. Speaking to someone else on the cell phone while you are on your date is rude.
One unreturned call isn’t so bad, but when the tally gets ’round to two you’re done. Make sure to add a nice current photo. Still, this changing ratio of carbon isotopes does make a minuscule dent in the calculation accuracy. This means no texting or emailing, even just to “hi, I miss you.” He will be expecting you to bombard him with phone calls and texts and will be surprised and anxious that you haven’t. You might be interested in the variety of Indonesian dating sites that cater to people who have all sorts of specific dating interests. He even said he’s not saying we will never get back together, but he’s not saying we will get married either, but that he feels for right now it is best and he has a feeling that we will probably get back together. They even have my favorite feature a customer suggestion box – a mark of good customer service. Professional photos There are services out there that specialize in taking your photo for the sake of online dating. It’s at those times that we tend to jump into another relationship too fast when we should have waited to date. For many people, this is a more comfortable way to ease into a first date. It used to be that meeting someone online was something that you kept hidden. Your email address is invariably, distributed to third-parties. Try out some of the ideas we’ve listed above to get a new perspective on modern dating. He expects you to date him, while at the same time understanding his need to be with other women.
Posted on | July 24, 2014 | No Comments
Rather than endure the irritation and itching of internal and external hemorrhoids, use the information found in this helpful selection of tips and tricks to find quick relief without having to spend hundreds of dollars on an expensive visit to the doctor. Although the condition can be embarrassing, it is a problem which can be easily cured.
You can reduce the amount of swelling and sharp, stinging pain by making and applying a sterilized ice pack or compress to the rectal and perineal areas. Wrap the compress in a thin, lint-free cloth to avoid additional irritation and apply it to the affected area for up to fifteen minutes at a time, as many times during the day as possible.
If you have ever suffered from hemorrhoids, then that is something you don’t want to go through again. Always be sure to go to the bathroom when the urge strikes. You don’t want to wait to have a bowel movement, because delaying this may lead to constipation, which then may lead to the development of hemorrhoids.
Are you looking for immediate relief of your hemorrhoids without purchasing over-the-counter medication? If you have an aloe vera plant in your home or garden, this plant offer immediate relief for the pain and swelling associated with hemorrhoids. Simply break a leaf from the plant and rub the juice from the leaf on the affected area. It will reduce the inflammation and have a soothing effect on your hemorrhoids.
Use witch hazel for you affected area, if you are dealing with hemorrhoids. It is one of the best things you can use for it! Witch hazel is a wonderful astringent that will lessen the redness and help your hemorrhoids to heal properly. Apply a thin layer of witch hazel on your skin to improve your physical state.
There are several uncomfortable symptoms that can come about as a result of this issue and it is important that you face each of them head on. The most common and perhaps first sign of developing hemorrhoids is bleeding during bowel movements. This is always a sign that something is not working properly.
When it comes to treating hemorrhoids, witch hazel is a very effective herbal medication. Even though most people opt to take a sitz bath with witch hazel added to the water, you can also use a frozen form of witch hazel to soothe and heal your hemorrhoids. Simply freeze witch hazel into small frozen cubes in an ice tray. Wrap these frozen cubes with a cloth and apply against the hemorrhoids for 10 to 15 minutes each hour. This will cause the pain and swelling of your hemorrhoids to decrease.
One of the things that you will need to be aware of with hemorrhoids is the impact of coughing. Try to refrain from coughing as much as possible, since this motion can strain the area of your body that is affected. Take medication if you are not able to control your cough.
If you are prone to hemorrhoids, add plenty of fiber to your diet. Eating a lot of fiber will assure you don’t become constipated. Without the fiber, hemorrhoids can form and then you will get constipated, and that isn’t comfortable. You can get fiber in fruit, vegetables, and bran.
Do not spend too much time on the toilet waiting for a bowel movement to happen. It will only happen when your body is ready to make it happen. Sitting on the toilet reading a book for an hour is not going to help at all. Only try to go when you have the strong urge to go.
So now that you have discovered the advice and guidance in these handpicked cures and treatments for the unpleasant itching and burning caused by hemorrhoids, you can be well on your way to seeking out the products and practices that can bring quick and effective relief from this common condition.
Posted on | July 23, 2014 | No Comments
It is not expensive or time-consuming to go green. You can save money on your electric bills and help the environment simply by changing a few things. Read this article for learning how to effectively use green energy, while helping the environment in the long run.
To help you use more green energy in your day to day life, contact your current energy or electricity provider to see if they offer a renewable-energy alternative. Many energy companies are beginning to offer environmentally sound, even higher priced energy services to cater to more socially conscious individuals.
If your home has a pool or hot tub, look into a solar water heating system. Installing a solar water heating system costs about the same as a conventional system, but operating costs for the system will be much lower. Repair costs for solar heating systems are often lower as well.
Check whether your furnace filters need to be replaced each month. Make sure that you actually replace these filters at least once each year. Install filters for your warm-air registers, too. This helps keep debris (or Hot Wheels cars) from getting into heating ducts and reducing efficiency.
As you ready yourself to make the switch to green energy, try getting a step ahead of the game by decreasing your present energy needs. By using less energy, it will be that much easier to switch to alternative sources because you won’t be using as much. Good ways to start include using less light in your home, shortening hot showers and using cool instead of hot water for laundry.
Try heating your home with a wood pellet stove. The pellets burned in a pellet stove are made of highly compact sawdust. They burn so cleanly than they are not required to get an EPA certification for emissions. Be aware, however, that the cost of the pellets may be high in some areas.
Swap your old incandescent light bulbs for high-efficiency LED or compact fluorescent light bulbs. These bulbs use far less electricity than incandescent, and they come in sizes that fit most existing fixtures. While the up-front cost is generally higher, most of these bulbs will last for years before burning out.
When you are not using your appliances, you should make sure they are turned off. If you are in a room, make sure that the light is turned off when you exit. If you leave your home, ensure the TV is turned off. These little things can greatly decrease the amount of energy you use in your home, which will leave you with some extra cash in your pocket at the end of the month.
Remember that solar panels, whether you install them on your roof or anywhere else on your property, must be angled toward the sun to receive maximum exposure. In the Northern Hemisphere, this means facing them south with an angle of latitude plus fifteen degrees. Otherwise, your investment will not return as much energy as you hope.
Hot water can be obtained in a low cost, environmentally friendly manner through solar energy. Get a solar hot-water system. You could choose of having an indirect or direct circulation system. Indirect systems are the best option for those who have frozen pipes during the winter.
Install timers, motion sensors, or sound sensors on lamps, lights and other electrical devices to automate their functions. Such sensors are ideal if you have a hard time remembering to turn off the lights, and because they conserve energy, they can save you a significant amount of your power bill.
Although many people do not believe in global warming, everyone can still benefit by using green energy at home. It saves plenty of money on the electric bill, by making just a few small changes to your daily life, such as shutting off the lights when not in the room.
Posted on | July 22, 2014 | No Comments
Asthma is a condition that affects the airways of many people. Those who suffer from asthma may experience symptoms, such as coughing, wheezing, and shortness of breath. Asthma can be bothersome, but it can be treated so that it is manageable. If you have asthma and would like tips on how to manage it, then continue reading this article.
You should stay home as much as possible when it is humid outside or when there is a lot of pollen in the air. Humidity and pollen will make it hard for you to breathe. If you must go outside, you can wear a mask over your nose and mouth.
Avoid keeping potted plants in your home. Certain plants might have a smell or change the nature of the air you breathe in a way that triggers asthma. If you want to keep plants, pay close attention to your symptoms and be ready to remove the plants if you notice any changes.
If you are an asthma sufferer, it is crucial that you don’t smoke. Smoking is, of course, unhealthy for anyone. The habit is even more dangerous for asthma patients, however, because anything that reduces the amount of oxygen reaching the lungs can trigger an attack.
If you enjoy using a vaporizer or a humidifier, you have to make sure it is clean before each use. These types of machines can build up a lot of dust and calcium, that you do not want getting into the air you breath. You need to be breathing the cleanest air possible, at all times.
If you own any type of pet and have asthma you need to be extremely cautious. The pet dander can easily set off an asthma attack. You should try hard not to have close contact with the animal, and have someone else bathe the pet thoroughly on a weekly basis.
Avoid being around smoke and fumes. Smoke, including cigarette smoke and vehicle exhaust, contain small particles of dust and chemicals, which can irritate the bronchial linings. This irritation is dangerous for asthmatics, as it can interfere with breathing in an already compromised system. Breathing in cigarette smoke especially can trigger an asthma attack.
If you have asthma, know your triggers. What is it that causes an asthma attack to come on? Many common triggers are allergies and irritants. For some, it is exercise or extreme temperatures. Emotional or anxiety issues can also cause asthma type attacks. Knowing what causes your attack can also be what will help you find a proper treatment.
Do not let having asthma get to you. Many people get depressed when they find out that they have asthma because they think their whole life will change. This is not true. As long as you take your treatments as directed by your doctor, you can continue to do most of the things that you used to.
If your doctor prescribes you a preventative inhaler, use it! Consider your preventative inhaler to be part of your daily pharmaceutical regimen, just like any other medication. If you don’t use the inhaler, the medication it contains can’t help you. Plus, if your doctor can’t trust you to take your medications, they can’t effectively treat your asthma.
Mold and mildew can thrive in a humid home environment. Asthma attacks are easily triggered by these substances. Therefore, try and keep the home dry. Whenever you use a heater, you should use a dehumidifier, and air conditioning will help in the summer.
In conclusion, asthma is a condition that affects many people. People suffering from asthma experience coughing, wheezing, and shortness of breath, as their airways become constricted. It can be bothersome, but it can also be treated to a manageable state, as well. By using the tips from this article, you can manage your asthma.
Posted on | July 21, 2014 | No Comments
The Network Marketing High Income Formula
Want to be a mega-earner in network marketing? You’ll need these three qualities: Leadership, Innovation, and Commitment.
Network Marketing rewards its leaders handsomely. The leaders are the ones who are willing to hold conference calls, offer their homes for meetings, or become corporate trainers. Leaders help and teach others how to be successful (regardless if they are downline, crossline, or in another opportunity).
Leaders will always have a home in this industry, because every single company CEO, and every top producer, wants a leader in their organization.
Network Marketing rewards innovators handsomely. I remember when Dale Maloney (a leader in this industry for over 20 years) scared up a few dollars to buy a mailing list, some stamps, envelopes, and paper to send out some sales letters to recruit others into his opportunity. I was in the second wave of people to receive a letter written by Dale. Until then, no one thought of using direct mail to build an organization.
I remember the first national ads in the newspaper USA Today, the first toll-free recorded information lines, mailing audio tapes (even before Dead Doctors Don’t Lie), email marketing, and flash presentation lead capture websites. The innovators who used these marketing breakthroughs made small fortunes.
The next innovation is just waiting to be brought to the market. History has shown that if you are innovative, you will be richly rewarded.
Network Marketing rewards commitment handsomely. If you plan on giving up after hearing no a couple of times, or if you feel you’re done recruiting after you get your first couple of people in (like the average person), then quit now. The average person in this industry does not make money — they lose money. Why? They are not committed to being successful. They are not willing to do whatever it takes. And being committed to doing whatever it takes is what is necessary to be successful in this industry.
There is no such thing as “Fast Money” in network marketing. Have you heard any of these? “No cold calling.” “No selling.” “Work a couple hours a week..” “Retire in two to three years.” All Lies!
Lifetime residual income is not built over a few months. It takes years to build a retirement income. Hard work. Polished selling skills. Consistency. Persistence. You must be committed to these basic values to achieve success.
So pick your poison, or embrace all three. The qualities of leadership, innovation, and commitment are paramount to your success in network marketing and life.
Posted on | July 20, 2014 | No Comments
Don’t let bankruptcy plague your life. If you feel like you are going to get into a financial crisis and have to file for bankruptcy then you are going to want to read this article. The advice that you’ll find in this article is going to help you get through the stress of bills and avoid filing for bankruptcy.
Get a plan in place for after your bankruptcy is over. Your debt will be forgiven, but you have to find a way to make sure that your financial picture will recover. Set definite goals so that you are always working toward a financial future that will never get you in this position again.
A key tip for those filing a personal bankruptcy petition is to always be completely honest in all documentation. Not only is hiding income and assets wrong, it is also a crime.
Remember you still have to pay taxes on your debts. A lot of people don’t realize that even if their debts are discharged in the bankruptcy, they are still responsible to the IRS. The IRS usually does not allow complete forgiveness, although payment plans are common. Make sure to find out what is covered and what is not.
Do not attempt to conceal any assets when filing for bankruptcy because you may be penalized when they are discovered. The lawyer representing you when you file needs to have full knowledge of your financial situation. Don’t hold back information and create a strategy so you can deal with what’s really happening.
Prescreen any bankruptcy lawyer before hiring one. Because bankruptcy is an every-growing area of law that attracts new lawyers all the time, you are likely to encounter many new lawyers who do not have much experience. You can check any bankruptcy lawyer’s credentials online and see if they have any disciplinary actions on their record for improper filings or practices. You are also likely to find client ratings. In the matter of choosing a lawyer, one with experience and a positive record is always best.
Many people look at bankruptcy as an opportunity to get out of paying off their debts and a good way to start over. But, keep in mind that bankruptcy is a serious decision, and one that should be carefully considered. Bankruptcy will negatively impact your credit for seven to ten years, and even if you think you can get by without good credit, there are hidden uses for good credit you may not know about. Insurance companies, landlords and even prospective employers usually do a credit check before doing business with you!
File when the time is perfectly right. The timing of your filing could be important to its success. Sometimes, you may need to file quickly; however, at other times, you should wait until the worst is over. Discuss your specific situation with a bankruptcy lawyer to find out when would be your best time to file.
Don’t overly concern yourself with any negative feelings you are having. Often, with bankruptcy, come feelings of guilt, shame and worthlessness. Feeling like this will not help your situation and can actually do serious damage to your mental well-being. Focusing on the positive during this stressful time is a good strategy for coping with your ordeal.
Think about all of what you learned today. Can you recall it at free will? If not, then there is no shame in rereading this article. You want to make sure that you don’t have to file for bankruptcy, so go ahead and reread this article if you have to and you may just be able to avoid bankruptcy.keep looking »