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Friday, March 29, 2019

The Keys of Life - How to be Happy

As a life coach for a number of years now, I have been exposed to the concepts and tools necessary for creating a happy life. This information is not just text book theory, it is real, and I am proud to say that I am making a difference in such a positive way that both my clients and my children will maintain a real advantage in their future.

So what are the messages I attend? What are the tools I employ? And what is the language I maintain for a healthy mind? There are many imaginative ideas one can institute within the household to create awareness, and these examples seem to work for us, not always immediately, but I feel certain they will play out in a positive way in the future. When one singles out each item individually, they may seem too simple to make a difference, however when combined with a full understanding of the technology they begin to make a lot more sense.

So why is it that human animals are so unhappy? Why do we hear that 1 in 4 Australians are clinically depressed? This article would be too long if I were to cover all the reasons, but I will attempt to address a number of them.

1. We compare upwards.

There are so many things around us that make our life "easier" and provide us with more leisure time: .... DVD players, washing machines, fancy cars, play stations etc .. As we have more leisure time, these materialistic things help us fill our days, they make us "look good" and possibly temporarily happy, and more importantly provide us with the things that someone else does not have.

So what happens to the people who do not have some or all of these items? Children want what others have and feel that these things will make them and their lives more interesting and fun. We all want things. We do not need them, we just want them. We want them because our friends appear happier, and we want to be a part of that. So we compare upwards and we look to what we do not have that create a par. It's this vacuum that gives us a feeling of not being complete and we think we are not able to be happy. How often do we compare downwards? How often do we stop and say, "I am so happy to be free and can play with my children at the park", "I am so happy that I am alive and have food on the table". "I am so happy to be healthy and am not in hospital recovering from cancer."

I am consistently reminding my children to not only appreciate what they have, but to create a list on a daily basis of all the things they appreciate. The appreciation list can be as simple as "I appreciate getting a call from my friend earlier today". We need to balance out our comparison mechanism. It is becoming so increasingly difficult with society becoming more affluent, and the media controlling what we are told to think. We really have to start working hard at this. We have to start playing the game of life, so that it starts to work in our favor because as I look around at the number of overweight, depressed people and the state of this planet, we are losing the battle.

What else do I do to make my children aware? For many years I have been telling my kids to mute the ads on television. The marketing people who create these advertisements are a lot smarter than we are. They cleverly use positive associations to sell their products with no regard for what or how it is effecting our comparison state. They use anchors and leverage us into softening our brains.

I have signs around the house and try to create a balance. Small posters that say things like "A week of need not want", "A month of NOW!", "Do not complain about it, change it or fix it", "A situation needs to be either deal with or accepted" "Why make it a problem? There are no problems in the NOW." These signs inspire discussion and subliminal alterations to my children's assessment of life.

2. We have an obscured concept of what success is.

Many people in the western world think that success is a house, car, money, and possessions. You do not have to look far at the statistics to discover that the financially wealthy are not necessarily happier than those with less financial means and are more challenged financially. Who was it that stated:
"Today, we have more experts but more problems, more medicine but less wellness.
Bottom line, happiness has little to do with money. It is our state of mind. I remember when I was in my teens thinking that if I had enough money just for my bus transport I would be so happy. Then I got older and all of a sudden, it was not enough, I wanted a car etc. You know what I mean. Look around you, see how much STUFF you have, is it made up of a NEED or a WANT. Do you remember how happy you were when you only had a few boxes in your life, no baggage. Then you start to fill it up with stuff. Did it make you happier? Ladies and Gentleman, this is not success. It is empty and lacks value. And it never ends. This path will continuously be fed by trying to get somewhere, and humans do not realize that there is nowhere to get. We are creating dreams about "some day, one day". When I finally get my BMW then I will go camping with my family. When I just get $ x, then I will start a family, When I finally drop 7kilo I will be happier with my weight. The time is NOW, right now. This moment. Do not wait, do it now. Go on that trip, get involved with needy children, do that thing you have always said you would like to do. Help the less privileged. Just remember if you have food in the refrigerator, clothes on your back, a roof over your head, and a place to sleep, you are richer than 75% of this world. If you have money in the bank, in your wallet, and spare change in a dish someplace, you are among the top 8% of the world's wealthy. Success is finding YOUR OWN passion, discovering what you want to do with your life and going for it 200%. Not doing what others tell you. Start today. Learn about yourself, then create the most amazing possibilities for yourself.
Life is beautiful and the universe if perfect in every way. All you have to do is allow yourself see how beautiful things are, how wonderful you are, and start to become part of what is already perfect.

3. Communication:

You do not have go go back many years to see how communication has changed. Think back to the days when you would walk along the street, take public transport and people would say "Gday" "Lovely day" etc. On face value it does not mean very much, but this is the game of life we ​​are not playing any more. We prefer to sit opposite a computer, answer emails, play computers games, swim in our pools at home, watch TV etc, left to communicate with our own "little voice". In fact with 50,000 thousand thoughts we have on a daily basis, it seems that we are spending more and more time "ALONE". Now that would be OK if our internal communication was open to new ideas, with a potential to create thought- provoking new concepts and important issues in life. However, the internal chatter is so limited, and has become so molded by our clever governments and advertising geniuses, that we do not have a chance. That's because we are only working from a position of what we know we know and what we know we do not know. It has left no room for all the things we do not know we do not know. We can only get access to those blind spots in our life if we have other people expose them. We can only get it by being present to our voices. We can only get it from others. If you were to engage in a conversation with that old lady on a bus, imagine what pearls of wisdom you may get from her. Or that gem from that person we chatted to while waiting at the checkout at the supermarket. We have been all the way to the moon and back, but have trouble crossing the street to meet our neighbor. We have acquired outer space but not inner space. We need to get back to basics and start talking. We will all begin to discover that pretty much all people in the universe want the same things and generally think similar thoughts. We all want to be happy. 

I am continuously chatting to people, smiling as I walk past people, and I let my children see that, we discuss it continuously and make points of interest to what goes on. Continuing talking about the concepts of how people are trying to "look good and trying to avoid looking bad", and all about "life". Remember your children are not getting an education about "life" from school where they spend most of their days. Do not forget that you DID NOT GET ANY EDUCATION AT SCHOOL ABOUT LIFE. So get learning, get educated and start educating the children. It will help them with their health, relationships and conventional education.

I encourage you to consider that life is beautiful, and note that we have learned to make a living but not a life and we have added years to our lives, but not life to our years.

What I do:

Among other things, I provide face to face life coaching in Melbourne Australia. I am continuously making a difference in people's lives. I know that 5 minutes before I die I wont be thinking about the house or car I did or did not have, but I will be smiling at the thought of the numerous people whose lives have been effected positively by my input. It is the most rewarding life I could lead and I could ever pursue.

jonathan@lourie.org














Saturday, March 23, 2019

Evaluating Stocks: Fundamentals and Technical Analysis

Certainly, a "complete" course on security analysis is well beyond the scope of this text. There are many excellent books devoted to the subject of how to analyze the value of securities - both from a fundamental as well as a technical standpoint. The goal here is simply to provide a basic understanding of the methods and theories behind each type of stock analysis.

It should be pointed out early on that Fundamental Analysis and Technical Analysis of securities are two fairly radically different approaches to determining the correct [or fair] value of a company's stock. Let's start with a general overview of each method and then look into the specifics of each area. Again, for a more detailed examination of each type of analysis, we suggest you refer to our book list and / or the books specifically mentioned throughout this document.

The definitive work on Fundamental Analysis is broadly considered to be the classic book "Security Analysis" by Benjamin Graham and David Dodd. This book, which was first published in 1934, is considered by most on Wall Street to be the 'Bible' of security analysis.
In fact, it was Benjamin Graham that Warren Buffett studied under when he first started in the stock market. Much of Berkshire Hathaway's success can likely be traced back to the information and ideas provided in the book Security Analysis and by the teachings of Benjamin Graham (although, it's widely acknowledged that Warren Buffett put his own spin on things over the years as well).

Fundamental Analysis is just as it sounds. It is based on examining the fundamental pieces of a business and its operation. There are no exotic formulas used. You do not need to be a mathematician. Anyone with a simple calculator and some basic information about a business should be able to employ Fundamental Analysis quite effectively.
The basic idea is if you put a dollar into the business (in the form of buying the stock) how much of a return can you expect. How much yield will you likely see and / or how much growth will you experience based on the operation, markets, competitors and costs of the business. Obviously, not all aspects of these fundamentals can be quantified. Such such as "good will" or changes in the economy or the consumer can be difficult to nearly impossible to calculate. However, to a large degree Fundamental Analysis throws these items out as concerns and simply looks at the cold hard facts which you do have available to you. Things such as costs of goods sold, margins, tangible assets, expenses, etc.

Armed with these basic and tangible numbers, one should rather easily be able to calculate the value and profitability of any business (given the numbers available and / or provided are accurate of course). Once a valuation is arrived at, the person performing the valuation can decide whether or not the market place (in this case the stock market) is applying what could be considered a fair market value to the stock. Certainly, when trying to make a profit on Wall Street, it is advisable to search out stocks which are (or at least appear are) being improperly or undervalued by the market. For the Fundamental Analyst, once an undervalued security is found, it's simply a matter of buying the stock and waiting for the market to realize the "more accurate" value of the security (assuming of course he / she is correct in their assumptions).
Find a cheap security, buy it and become rich. If only it was that simple. Or maybe it is? Just ask Mr. Buffett.

If the definitive work on Fundamental Analysis is provided by Graham and Dodd, then perhaps the definitive work on Technical Analysis is provided by Martin J. Pring in his book "Technical Analysis Explained". To quote this well regarded book on the definition of Technical Analysis:
"The technical approach to investing is essentially a reflection of the idea that prices move in trends which are determined by the changing attitudes of investors towards a variety of economic, monetary, political, and psychological forces. is an art - is to identify trend changes at an early stage and to maintain an investment post until the weight of the evidence indicates that the trend has reversed. "

Technical Analysis is nothing new. It has been used in one form or another for as long as stocks have been traded. In fact, the star character in one of my all favorite favorite books ("How I made $ 2,000,000 dollars in the stock market" by Nicholas Darvas) used mainly Technical Analysis principles in his investing - whether he knew it or not. However, "Charting" also commonly called "Chart Reading", which Technical Analysis is also referred to as, has become much more popular and broadly used inhaps only the last 20 to 30 years on Wall Street. This may be a large due in part to its more wide spread teaching and acceptance in colleges in more recent years.
If, based on my own experience and knowledge of this method of analyzing securities, I had to summarize all of the technical analysis down into one central idea, I would put it like this:

The corner stone of Technical Analysis is the concept that no single individual can ever hope to know as much about a security as the whole of Wall Street does at any given time. Because "Wall Street" is made up of everyone who is invested in - or may invest in - the stock market, their collective knowledge about any specific stock and / or the market is such that this mass of people and combined knowledge (ie Wall Street ) can valuate securities nearly instantaneously and far more accurately than any single individual.

As such, in the mind of the Technician, it follows that there must be no need to use something as "archaic" as Fundamental Analysis to value a stock, when everything known about the stock (and this includes the business fundamentals) is almost instantly reflected in the stock's price. In this situation, it would make much more sense to use the recent and historical trends and movements of the stock price to deduce not only the current fair market value of the stock, but where the price "may move" in the future. This future price movement is large extrapolated based on historical chart patterns and how the stock has recently expired in relation to support and resistance levels. Any Technical Analysis book worth its salt will quickly introduce you to chart patterns such as "double tops", "trend lines", etc. It is these patterns which are the core of Technical Analysis.

However, the question of whether or not these patterns on charts can always accurately predict future price movements of a stock is (and probably always will be) up for debate between Fundamental and Technical Analysts. If there is one fundamental (again no pun intended) flaw to Technical Analysis, it is that over the years Technical Analysis has been [incorrectly] extrapolated to mean that the market will "always perfectly" evaluate a security based on all information known by the markets. Unfortunately, that is not "always" the case.
This leads to mind a funny joke I once ran across in a book (I believe the book was by or about Warren Buffett) regarding how technical Analysis has been elevated to levels beyond its true capabilities:

A Technical Analyst and his friend were walking across the street. His friend noticed a $ 10 bill laying in the middle of the road and exclaimed, "Look, there is a $ 10 bill in the road". At which point the Technical Analyst said "If it were really a $ 10 bill, it would not be laying in the road".
This joke underscores the idea that Technical Analysis may not always evaluate the market without error. However, as long as you keep this point in mind, then Technical Analysis and chart reading can be a helpful tool in both investing and trading.

Finally, we should point out that the term "Quantitative Analysis" on Wall Street simply refers to someone (also sometimes referred to as a "Quant") who employs a mixture of both Fundamental and Technical Analysis in trying to properly evaluate stocks.

Good luck in the markets!

No permission is needed to reproduce an unedited copy of this article as long the About Author tag is left in tact and hot links included. Questions and comments can be sent to Ray at articles@daytraders.com .














Sunday, February 3, 2019

Top 10 Car Drawing Books For Beginner Artists

1. How to Draw Cars Like a Pro, 2nd Edition

In this long-awaited follow-up to the best-selling first edition of How to Draw Cars Like a Pro, renamed car designer Thom Taylor goes back to the drawing board to update his classic with all-new illustrations and to expand on such topics as the use of computers in design today. Taylor begins with advice on selecting the proper tools and equipment, then moves on to perspective and proportion, sketching and cartooning, various media, and light, shadow, reflection, color, and even interiors. Written to help enthusiasts at all artistic levels, his book also features more than 200 examples from many of today's top artists in the automated field. Updated to include computerized illustration techniques.

Author: Thom Taylor

2. How To Draw Cars Fast and Easy

How To Draw Cars Fast and Easy is a 134 page car drawing guide in downloadable e-book format, jam-packed from cover to cover with all the tips and techniques previously known by only a small hand of professional designers. This program contains all the information you'll ever need to draw perfect looking cars quickly and easily that will amaze your friends.

Author: Tim Rugendyke

3. How To Design Cars Like a Pro

This book describes how car design and technology work through the eyes of the most talented and powerful car designers in the world. The interviews give a deep understanding of why we see what we see on the highways of the world. Author Tony Lewin has been a highly regarded magazine editor on the world stage for so long that some of the top young guns revealing all in this book were hanging on his words just a few years ago.

Author: Tony Lewin

4. How to Draw & Paint Cars

This book is not about learning how to draw and paint fashionable cars, super cars, tarted up street or 'cool' cars as referred to by some motoring journalists, it is about drawing and painting all types of cars. The author has endeavored to distill experience from many years creating images on this subject into a book that will help and encourage those keen to draw and paint cars, both for pleasure or as a career. The author takes you through the history of the car from it's conception in 1885 to current models with sketches and paintings created in a variety of mediums, with examples and step by step guides. Readers are encouraged to develop their skills, whether raw beginners or accomplished artists. The road to success will not be easy, but, through this book you will learn all the techniques short cuts accumulated over decades by an accomplished commercial artist. Whether for business or pleasure this book is THE handbook for automotive art. With 185 illustrations and step by step guides this is a must have for any budding auto artist.

Author: Tony Gardiner

5. How to Draw Cars the Hot Wheels Way

This book provides excellent how-to-draw detail that is appealing and easy to follow for Hot Wheels (tm) and drawing enthusiasts from ages 10 to adult. Detailed drawing techniques with descriptive captions allow readers to create their own automated designs. Illustrations emphasize how to draw fantasy, custom, concept, and hot rod cars. Author Scott Robertson uses original Mattel art throughout the book. With real Mattel artwork featured in detail, the bo0ok has great appeal for collectors, even if they are not aspiring artists. Because Hot Wheels (tm) diecast cars are modeled after both real and fantasy vehicles, the techniques and interest to readers is the same as for real-life car enthusiasts. Officially licensed by Mattel.

Author: Scott Robertson

6. H-Point: The Fundamentals of Car Design & Packaging

The ultimate reference guide for car designers and automotive engineers! H-Point was written by the pioneer of the Vehicle Architecture course at Art Center College of Design, Stuart Macey along with the Director of Advanced Mobility Research, Geoff Wardle. Currently used as the educational handout for the transportation design students at Art Center, it will now be available to aspiring car creators everywhere, clearly organizing the packaging standards that apply to car and truck design; along with insightful graphic explanations, this book demystifies the automotive design process and allows designers access to an illustrious careers worth of knowledge.

Author: Stuart Macey

7. How to Design Cars Like a Pro

This comprehensive new edition of How to Design Cars Like a Pro provides an in-depth look at modern automotive design. Interviews with leading automotive designers from Ford, BMW, GM Jaguar, Nissan and others, analyzes of past and present trends, studies of individual models and concepts, and much more combine to reveal the fascinating mix of art and science that goes into creating automobiles. This book is a must-have for professional designers, as well as for automotive enthusiasts.

Author: Tony Lewin

8. DRIVE: vehicle sketches and renderings

DRIVE features Scott Robertson's very latest vehicle designs intended for the video game space communicated through skillfully drawn sketches and renderings.

DRIVE builds upon the success of his prior two vehicle design books, Start Your Engines and Lift Off. Featuring four chapters, each representing a different aesthetic theme, Aerospace, Military, Pro Sports and Salvage, conceptual sports cars, big-rigs and off -road vehicle designs are beautifully represented through traditional and digital media sketches, and renderings.

Author: Scott Robertson

9. How to Illustrate and Design Concept Cars

Beginners will find an easy-to-follow introduction to the topic, while more experienced designers can find new inspirations by reading about the author's workflow process. A very interesting book for everyone who loves drawing and rendering cars.

Author: Adrian dewey

10. Start Your Engines: Surface Vehicle Sketches & Renderings from the Drawthrough Collection (Air Vehicle Sketches)

Start Your Engines compiles works from Scott Robertson's vast archives of ground vehicle drawings and renderings, and features the following chapters: Cars, Bicycles, Snowcraft Mechanimals and selected work from the conceptual design of vehicles for the video games Field Commander and Spy Hunter 2. The Cars chapter reviews about half of this book and features original designs both futuristic and retrospective.

Author: Scott Robertson














Wednesday, January 23, 2019

Day Trading Rules to Live By

Most people looking to make money in the markets believe that the answer lies in finding some simple technical analysis strategies that will catapult them to profitability.

The truth is that trading is not as simple as beginners believe. It is a profession, and like any profession it requires a learning curve. Reading a book or getting a few simple "tips" is not going to turn you into a professional trader.

After studying for a length of time, it's not uncommon for students to begin their search for the "holy grail."

They search for more indicators, chart patterns, gurus, alert services or the latest secret day trading strategies and other things that will provide their answer to becoming successful.

But here's the fact. Success lies within you .. and it will not come easy.

In fact, one of my favorite success principles is this:

"Successful people do what unsuccessful people are unwilling to do."

Let's apply this to trading in the form of my list of "Day Trading Rules to Live By" ... all of which have to do more with you than with the market.

  1. The consistency you need is in your mind, not in the market. Many in the market get frustrated because the market often behaves differently than they expect. You can not rely on the market to be consistent. It is a largely a random walk. But there are times when the market does setup with a probability scenario that gives you an edge. Your job is being consistent in trading those probability setups and trade them every time they occur.
  2. Trade like a cat. Most beginners over trade. It's one of the most common trading sins. Your job is to be better than other day traders in having the discipline to wait like a cat in the brush until just the right moment (your high probability setup) and then jump on the trade without hesitation.
  3. Successful trading is simply a game of not making mistakes. Keep a list of your day trading rules posted on the wall or on your monitor and then follow those rules perfectly. You must be more disciplined than the average trader. Never depart from your rules no matter how good a trade "looks" or "feet" to you if it violates your objective and back-tested rules.
  4. Only trade when you are in an optimal emotional state. Never trade when you are tired or are in an emotionally unstable situation (after a fight with a spouse or friend for example). Day trading is more like athletics than academies. Trading on such a short time frame requires you to be able to make split second decisions, and you're risking a lot of money when you do. Make sure your mind is sharp and your emotions are centered.
  5. Keep a detailed trading log. Every day trading course I've seen has a trading log. Yet my experience in dealing with trading students demonstrates that less than 10% of them actually use it. This is a huge mistake. Not only should you log every trade, but you should also record how you felt and what you were thinking as you took the trade. In this way your logs will become a type of "biofeedback" mechanism for you. Personally, this was the difference that made all the difference for me.

These 5 day trading rules are not the type of rules that you were probably looking for. The masses want rules about indicators, price bars, where you get in and where you get out.

Granted, you definitely need clear objective rules about those things as well. Yet thousands of traders have those types of rules, and yet continue to fail because those rules are about market action.

They fail because they do not have, or do not follow, the more important rules the rules about their own action.

If you find yourself resisting the importance of these rules about your own behavior, realize that you are one of the masses who feels the same way. But since since the masses fail at day trading, you must set yourself apart and do something different than them.

Following these 5 day trading rules are what the retail traders fail to do. Not because they can not do them, but because they are unwilling to do them. And remember, "Successful people do what unsuccessful people are unwilling to do."














Sunday, January 13, 2019

How to Make Email Marketing Works for Your Business

Topic 1 ~ Your Email Subject Lines ~

How To Write A Good E-mail Subject Lines That Works?

Here are the 5 tips:

1. Ask a question. One of the best ways to get a reader's attention is to ask a question. But like a trial lawyer questioning a witness on the stand, make sure it 'll get you the response you're looking for. "What's the best way to grow your business?" is a great subject line for business owners. After all, what business owner would not want to grow his or her business? Or let's say you run a health club. An e-mail with the subject line, "How can you lose 5 pounds in one month?" would certainly be compelling. It's important your question to be relevant to your audience.

2. Be a tease. A clever subject line can be enticing. When it's done right, reader curiosity is piqued. They want to know more - and they'll open your e-mail. Writing a teaser-style subject line requires some creativity, and your content needs to deliver. A company that sells high-definition TVs could use the subject line, "You're not going to believe your eyes" as a teaser to introduce a new addition to their product line.

3. Tell it like it is. Often, what works best is to say exactly what you want your reader to know. Examples of this straightforward approach are, "Sale on all sweaters this weekend," "Master jazz pianist plays live this Friday" and "The seven secrets of a profitable business." This just-the-facts approach works especially well when you can appeal directly to your audience's interests. It's also the best approach to use when you send a newsletter.

4. Remember "WIIFM". When a person gets your e-mail, the first thing they consider is "what's in it for me?" They have a decision to make. Do they open your e-mail, leave it for later or delete it? If there is not something about the subject line that lets them know why it's worth their precious time to see what's inside, then the choice will be clear. Keep WIIFM in mind when creating every aspect of your e-mails, including the offer, content, images - and most definitely the subject line. It's all about them. They know that; just make sure you know it, too.

5. Get personal. The more you can make each contact feel you're speaking directly to them, the more effective your communication will be. Whatever style of subject line you use, you can make it personal by using the word "you." Professional copywriters know the secret of using this powerful little word. Just look at the advertisements, mail and e-mail you receive. A few examples are, "Find the right swimsuit for you," "You can save 50 percent on travel," and "You're look phenomenal in a custom-tailored suit." "You" is ideal, but "your" works too.

6. Not sure which approach is right for you? Try them all, and then show a friend or colleague to get their feedback. Pick the one you believe will be most effective for your audience. Whichever approach you choose, it's always worth spending the time and effort to write a great subject line. Because if your readers do not open your e-mail, they'll never have the chance to read the important message you've created for them inside.

Topic 2 ~ Increase Click-Through Rate (CTR) ~

How to Increases Click-Through Rate (CTR)?

Here are some guidelines:

1. Include a feature, a benefit, and an advantage in the opening. This needs to be used in a subtle way, but in the opening you're really doing a small marketing job for this issue of your email newsletter. Highlight an article or two that are important, explain what you're providing the readers that they will not get elsewhere, and tell them what the benefit will be. A great example is something like "Nokia and Sprint announced second quarter earnings today. Learn what our Wireless Week experts say about the results, and what effect you can expect them to have on the industry at large."

2. Put the email newsletter in the context of your readers' day. This goes hand in hand with the last point. Your readers are busy, and if you can make a compelling case for why they should stop what they are doing and take a few minutes now to read your email newsletter, you'll get them in. We recommend editors reference important events, upcoming trade shows, or other things that say to the reader "You will find it worthwhile to stop and read this email newsletter now, because the information in it will help you stay on top of your business."

3. Keep it fresh. Do not craft a "perfect paragraph" and use it issue after issue after issue. One of the keys to success is to keep the copy fresh and highlight items in that issue of the email newsletter. If you use the same generic language repeatedly, people will stop reading it and it'll be a waste of your time.

4. Keep it short. This is critical. We recommend no more than two to three sentences - just enough to get them interested and pull them in to read the rest of your email newsletter.

Try it out and see the results! This is just one of the simple things you can do to engage your reader and optimize your CTR.

Topic 3 ~ Killer Email Sales Letter ~

How to Write Killer Email Sales Letter That Get Results?

Here are what we've found works best. Use these tips correctly and your results will skyrocket.

1. Your email "from" sender line should be your brand name or company name and stay consistent. Use your own personal name only if that is your brand image.

2. Send emails only when you have something to say that will benefit the reader. No fluff. No filler. You must be relevant. If you can not be, do not send an email until you have something beneficial to say.

3. Start your emails with the specific benefit the reader can get from your message. You have no more than 3 seconds to pass the crucial "what's in it for me?" test.

4. The copywriting tone and language should be personal and conversational, instead of stuffy and "corporate".

5. Make a specific offer to the reader and, if possible, include a short deadline by which he must respond to get it.

6. Use as much copy as is needed to fully pile on all the benefits the reader will get by ordering, answer objections, create urgency, and close the sale.

7. Test your subject lines and offers on small segments of your list before you send the email to your entire list.

8. Include "Email this to a friend" service in all your communications for pass along and viral marketing.

Topic 4 ~ Good Call-to-Action ~

Get More Clicks With a Good Call-to-Action!

The call-to-action is a determining factor of your click-through rate. It is an important component of your email copy because it answers three important questions for the recipient. They are:

1. What you want them to do

2. Why they should do it, and

3. How to take that next step.

Whatever action you want your recipients to take, you can make it happen more often with a good call-to-action. First, decide what you want them to do:

1. Buy something

2. Sign up for a service

3. Fill out a form

4. Read an article or get more information

5. Visit your website or store

6. Make an appointment

Etc ...

Then, make sure you incorporate these 6 characteristics to get the results you're looking for. Make your call-to action:

1. Visible - People read, react, make decisions and take action differently. Some make decisions right away ("You had me at hello.") And some need more details ("I'm from Missouri."). Place call-to-action links in the beginning, middle and end of the email so that recipients can click whenever they are ready.

2. Clear - Stick to simple words, short phrases, bulleted benefits and paragraphs of 1-3 short sentences. Include appropriate graphics and cut the clutter by making effective use of white space.

3. Compelling - Use action-oriented verbs and phrases: "buy now," "call today," "save" and so on.

4. Rewarding - Offer an incentive or reward for action. For example, "Act now and also receives ...," or "the First 100 responders will be entered into a raffle to win ..." The giveaway, or prize, you choose should be closely related to your product or service. That way, you will be targeting customers who are interested in what you have to offer, not just the latest gadget.

5. Urgent - The longer an email sits in an inbox, the less likely it is to be acted on. Create a sense of urgency to get a more immediate response. Try limiting the offer to a specific time period, to the "first 50 customers," "while supplies last," etc.

6. Direct - Your call-to-action links should go to the appropriate page on your website with more details on the specific product or service you're promoting. If you do not have a website, the call-to-action might be store locations to visit or a number to call for an appointment.

Keep in mind that, in addition to repeating your call-to-action, you can vary your call-to-action to appeal to different types of buyers (and to fit your sales cycle). For example: "Click here to buy now" will naturally work better with loyal customers. The softer, "Click here to learn more" may be better for newer prospects.

Topic 5 ~ Avoid Common Pitfalls ~

Read Your Email Message Backwards to Avoid Common Pitfalls

Here are some common problems to look out for:

1. Misspelled words - It's a good idea to spell-check a document, but it's not enough. A spell checker will not catch every error.

2. Wrong word used - This is why a spell checker is not enough. A spell checker will only flag words it does not recognize. It can not tell if a legitimate word is used incorrectly. Some words commonly confused: accept, except; your, you're; then, than; there, their, they're; cite, site, sight; lay, lie; loose, loosen, lose. Also, look out for missing "r" in the word "your." It's easy to overlook a sentence such as "Visit our Web site now to receive you free copy."

3. Grammar error - Again, if you know you're not a good writer, have someone else look your writing for grammatical errors. Mistakes make you look bad.

4. Punctuation error - This is another area where you'll benefit from a review by someone who knows their stuff. If you're determined to do it yourself, purchase a good grammar or style book. One of the most common punctuation problems: Too many stupid commas!

5. Vague or confusing statement - Make sure every sentence is crystal-clear. You do not want your promotional message to raise more questions than it answers.

6. Ilogical statement - Read over what you have written slowly. At the end of each paragraph, ask yourself: "Did that make sense?" Rewrite so that it does.

Topic 6 ~ Frequency of Sending Emails ~

How Often (Frequency) Should You Send Email?

There's no quick answer to the frequency question. It depends on the goals for your email and the type of content you send. Some rough guidelines:

1. Mail at least once a month. Mail less often than this, and you risk being forgotten by recipients. Monthly is the bare minimum if you want to keep your brand or company name top of mind (a common email goal).

2. Let content be your guide. Look at what you provide readers and you'll get a feel for proper frequency. Analyze how often the information changes and how quickly readers must receive it to act on it.

3. Work within your resources. A daily email requires many more resources than a monthly. Better a well-done monthly email than shoddy weekly or daily. It's recommended to start with a monthly. Once that's going smoothly, they can think about moving to weekly. You need to walk before you can run!

4. Watch for trends. Declining response, open, and click-through rates can be signs of list fatigue. Although some decrease is normal, watch carefully and cut back frequency if you see a problem. Do not assume if the unsubscribe rate is stable you're OK. Many people prefer to forward email directly to their delete folder rather than unsubscribe.

Topic 7 ~ Understanding Spam Filters ~

Understanding Spam Filters to Avoid Your Emails Get Junked!

If you send email campaigns long enough, you will inevitably run into spam filter issues. On average, you can expect 10-20% of your emails to just get lost in cyberspace, mostly due to overzealous spam filters. Unfortunately, there is no quick fix. If you want to avoid getting your emails junked by spam filters, you have to understand how they work.

Generally speaking, spam filters look at a long list of criteria to judge whether or not your email is junk. For example, they might look for spammy phrases like "CLICK HERE!" Egypt "FREE! BUY NOW!". They'll assign points each time they see one of those phrases. Certain criteria get more points than others. Here's a sample of criteria from Spam Assassin, one of the most popular spam filters out there:

o Talks about lots of money (.93 points)

o Describes some sort of breach (.32 points)

o Looks like mortgage pitch (.297 points)

o Contains urgent matter (.288 points)

o Money back guarantee (2.051 points)

o Why Pay More? (1.249 points)

It's easy to use "spammy" keywords in your email without even knowing it. Here are some common ways marketers unwittingly trigger spam filters with their campaigns:

1. Using spammy phrases, like "Click here!" Egypt "Once in a lifetime opportunity!" too many times in your email. Sometimes, you can not avoid phrases like "FREE SHIPPING!" but use them sparingly, and do not do anything else risky.

2. Going crazy with exclamation points !!!!!!

3. USING ALL CAPS, WHICH IS LIKE YELLING IN EMAIL

4. Coloring their fonts bright red, or green

5. Coding sloppy HTML (such as converting a Microsoft Word file to HTML)

6. Creating an HTML email that's nothing but one big image, with no text (since spam filters can not read images, they assume you're a spammer that's trying to trick 'em)

7. Using the word "Test" in the subject line (agencies run into this all the time, when sending drafts to clients for approval)

Topic 8 ~ Why Email Marketing Does not Work? ~

If Your Email Marketing Does not Work, Think Again Why?

Before you arrive at the faulty conclusion that email marketing does not work, let's look at this from a different perspective for a moment that would make your emails ineffective.

First there's what you are writing in the body of the email. If this is your first attempt to get in touch with a prospect, what are you putting in the email? A dissertation? If it's longer than one or two paragraphs, it's too long. Look at your emails like an initial cold call. You need to laser in and deliver a compelling opening statement that's going to grab their interest and stimulate a conversation. Because there's no one to cut you off in an email or stop you from persistent pontification, people have a tendency to ramble on and on in an email, giving the prospect the life story of the product or service they want them to consider. Keep it short and focus on the one or two benefits, opening up the opportunity to have a dialogue. That's it.

Second, are you sending attachments in the first email? No attachments! It's hard enough sending an unsolicited email to a prospect. Now you're adding more barriers and increasing the opportunities of your email winding up in their spam box or junk email folder. Some people have filters on their email that if an attachment is sent it automatically gets deleted. No attachment until that information in the attachment is solicited by the person.

Third, html or text? Once again, with all the email filters people use today, you will increase your odds by sending a text message only rather than trying to get fancy with formatting, graphics and pictures. The prospect really does not care about how beautiful your email looks; they care about the core message. Beside, they will never even get a chance to see your beautiful masterpiece in an html email if it's winding up in the trash.

Finally, you are using way too many spam words. As mentioned, the largest enemy to email marketing or selling via email is the additional security that companies and individuals have on their network or computer. As such, the specific words you are using in the body of the email can be the culprit who is sending your email directly into the trash or spam box. In other words, you are using words that are often identified is spam and in turn, you email is getting flagged and deleted. Not even eye contact! The prospect is not getting a chance to, at the very least, see your email let alone read it and have a chance to respond accordingly.

Ending ~ Please Forward ~














Friday, January 4, 2019

Jesus Taught the Law of Attraction - Part 1

The Law of Attraction is a popular phenomenon that promotes the theory that you can attract anything you want into your life by thinking about it. Now, this is a 30,000 foot view of the Law of Attraction, because upon closer inspection, there are many other factors that are needed to insure success for manifesting what you want into your life. Religious fundamentalists have criticized the Law of Attraction because of its emphasis on seeking material possessions and because it looks like the Law of Attraction places the power of creation solely upon the individual, as opposed to God, which is not a concept embroidered in fundamentalist religious ideology .

The Law of Attraction gained its popularity by the huge success of the book and movie, "The Secret". If you use only "The Secret" as an argument against the Law of Attraction due to the movie / books simplicity of LOA (Law of Attraction) principles and the hedonistic tone of the movie, I may have to agree. But, the true value of "The Secret" was the mass exposure the book / movie provided to the general public about the concept of LOA. Before the "The Secret" was produced, the idea itself of being a participant in your own life design was totally alien. There is no doubt that the prevailing attitude of our current culture, whether you're religious or not, is that we are all victims in a tough world, and I thank "The Secret" for opening the door of opportunity to see the world differently .

The initial first look at the principles of the Law of Attraction in "The Secret" was a good introduction, but ironically the true principles of the Law of Attraction have been around for over 2000 years, in fact, they were taught to us by Jesus . The Law of Attraction, when studied deeply and from a metaphysical level, is really an opportunity to live our lives the way that Jesus taught us to do, infinitely and abundantly.

"But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you." (Matthew 6:33)

At first glance, Jesus words above might simply that we have a huge task to fulfill before we can get to the good part for us, (things added until you). But although the above words from Jesus holds more to it than we thought possible before.

Many traditional religions teach that life is successful, happy, fulfilling, etc., or not, by the manner in which we conduct ourselves according to the religious rules / principles, and by doing so, we create a positive or negative flow into our lives . (seek the Kingdom of God first THEN the you will be rewarded accordingly). Yet, a devoutly religious person may do everything their religion says they should do, and yet still experience great hardships and suffering in their lives. This is sometimes attributed to being the will of God or part of a plan that God has for you. Or, these hardships may be because you clearly have not been "seeking the Kingdom of God first". While there may be some spiritual sanction in the text for these traditional religious beliefs, the precept that you are not a participant in your own life design, other than to live by the rules mandated in order to receive your blessings in this life or the next , is highly subjective and clearly interpretive. Religious themes leave out the fact that as a child and image of God, that you, yourself, have amazing power as well. The find God principle taught in almost all religious belief systems, is what I call the top down approach to spiritual connection. God is above and we are below and it is our responsibility to reach out to God by following these rules and opening our hearts and then all should be pretty good for us in the here and after after. In the approach, we start with a baseline of separateness and use religion and ideology as a way to connect to God. In other words, we do not go to church to learn about our power because of our inseparable relationship with God, instead we learn what God has done for us already, separately from us, to encourage us to connect to a relationship with God.

The notion of learning about God, and I mean connecting to God in a serious intimate and powerful way, comes by first looking inside ourselves and therein finding God. This is what I call the bottom up approach to connecting to God. In this approach, our baseline starts with us being ALREADY connected and using our own Divine power within to discover and awaken to God and the Divine Universe, which includes the LOA principles. It is in this approach to spiritual connection and personal empowerment that true LOA processes begin.

So another interpretation of our earlier Bible verse that may more closely align with our innate power and divine inheritance is:

"But seek ( discover, obtain ) ye first the kingdom of God, ( the divine power of God manifested in you ) and his righteousness; ( God's qualities, such as worth, value, abundance, and joy that is already within you ) and all these things ( human and spiritual wants and needs related to what you find within you ) will be added to you. " (Matthew 6:33)

And to support the kingdom of God verbiage (because without the following words from Jesus, the kingdom of God could be construed to be some faraway or unknown place), Jesus clarifies for us where the kingdom of God is located.

"Either shall say, Lo here! Or, lo there! For, behold, the kingdom of God is within you." (Luke 17:21)

The Law of Attraction also teaches that in order to manifest the things that we want to see realized into our lives, we must go within as well. The greatest LOA teachers will equate the powerful visualization and certainty of our strongest desires to a heartfelt calling from your inner divine being. Manifesting a new trinket for pure pleasure may be possible by the power of a strong energetic will, but this parlor trick is not a true Law of Attraction principle. LOA principals operate from a fundamental covenant that God and man, cooperatively manifest from the infinite possibilities available within each one of us (kingdom of God within).

The exact Law of Attraction definition simply states that "like contracts like", which is another way of saying that we live within our true beliefs. So, the best start for a successful LOA practice is to think and act from our existing beliefs (go within). Certainly it is possible with a strong belief, and an undeniable firm conviction, to manifest just about anything. But for those only looking for a new distractions and material possessions to manifest for the purposes of status, ego gratification, or neediness, then you have missed the true power of the Law of Attraction. You may be able to apply LOA principles to get what you want, but then next day, the want will still be there. The bottom line is you can think and attract all you want, but the core element of practicing a successful and strongly beneficial Law of Attraction practice is first starting within to manifest from a divine and authentic belief system. Know where your power comes from, which is from the kingdom of God within you. Applying the LOA principles from a position of divine strength, by going within, to see the enfoldment of all the "things" that will be added to you (through our beliefs), is the Law of Attraction being practiced as Jesus taught.

Now, the next steps in a successful Law of Attraction practice were also taught by Jesus in many different examples in the Bible. We will address the next fundamental step of LOA principles, which is your belief in the power of manifestation and what you are manifesting, in Part 2 of this article. For this article, the main concept to consider is this: The Law of Attraction is a process of living a life of unlimited potential within your own Divine authority (kingdom of God within). We all have the ability to do this, but the reasons we are unsuccessful at it are: we ask and desire from an inauthentic mindset (our desires do not match a true need that wants to be met), we do not really believe in the process or in the thing that we are asking for, and we do not "live" within the Divine authority to create the life we ​​want. All of these problems with the LOA process will be addressed in the next segment of this article and additional teachings of Jesus will be referred to demonstrate how Jesus also taught the Law of Attraction.

Summary

Law of Attraction - Like Attract Like

Step One - Before you go manifesting things like, days off from work, cars, money, or for your ex-husband to get the crabs, you MUST identify what you really want and where the want comes from. Want that comes from neediness, resentment, revenge, unworthiness, fear, and lack, are inauthentic wants (meaning they come from the ego and not from the divine higher self), and you may succeed in manifesting some of your wants but they will never satisfy the authentic need. This does not mean you can not manifest material "things", it just means that your manifestation must come from "within" to be a true Law of Attraction principle in action. This is why Jesus instructs us to find the kingdom of God (within) before the things are added to us. Know where your power comes from and understand what your true wants are.

Proverbs 29:18, "Where there is no vision, the people perish."














Wednesday, January 2, 2019

3 Innovative Ways To Attract Money To You

It's no secret everyone yearns to have more money in their wallet or bank account. Developing a healthy relationship with money is essential if you want to have more of it.

Money is, after all, just another energy. Yet so much emphasis has been placed on it.

We are told as children that money doesn't grow on trees.

We are pushed to 'keep up with the Jones' and over and over we are told 'money is what makes the world go 'round.'

All of this gives money an inordinate amount of power.

If you have an unhealthy relationship with money, you will never create the abundance you wish you had. In order to change your financial world, you need to change your feelings and paradigm about money. You need to change the way you think, feel and act about money.

If you believe you will never have enough money, you will never have enough money. What you focus on the most gives you exactly what you focus on the most.

These fun and practical little tips will magnify your energy and get the Law of Attraction sending more prosperity your way.














  1. Learn to pick up coins from the ground: Ask my friends and family how many times I find coins on the ground and it will blow you away. I always pick them up, hold them to my heart (Thanking The Universe) and then put them in my pocket. Even if it's just five cents, make sure you bend down and pick up the money! You'll show the Universe that you are open to collecting abundance. When you feel like you'd be embarrassed or self-conscious about doing this, I want you to re-frame it so that you are looking after the money. You are a conscious custodian of cash making sure that money feels loved. This generates the energy of appreciation.



























  2. Write Yourself A Check: Do you know the story about Jim Carrey? Jim Carrey was a struggling young comedian trying to make money in Hollywood. He was just about to give up his dream of becoming a professional actor and comedian when he was booed off the stage at an open mic session in an LA nightclub.Jim sat by himself at the top of Mulholand Drive contemplating his success or failure. He then pulled out his check book and wrote himself a big fat check for $10 million dollars and made a note on it: "for acting services rendered."He then carried that check with him in his wallet everywhere he went from that day forward.By 1995, after the success of his blockbuster movies: Ace Ventura: Pet Detective, Dumb and Dumber, and The Mask, his contract price had risen to the price of $20 million dollars.Write yourself a check for a specific amount and place it in your purse or wallet.



























  3. Learn to love your bills: Sounds crazy right? Hold on as I explain. When bills land in your e-mail inbox or your mail box make sure that you mentally send them love and say thank you to the Universe for the services you have received in exchange for the bill. Draw little hearts on them and use the bills as an affirmation that prosperity flows into your life in many forms in order for you to pay your bills on time. Whatever you do, don't send the bills negative energy. Try and re-frame your perspective. Remember that more than 80% of the world's population survive on less than $10 per day. There's something to think about.


























Developing a healthy relationship with money is critical if you are someone who wants to attract more of it. Continuing your unhealthy relationship is a choice and quite honestly a bit of a cop out. Even if you just want enough to survive and occasionally take a little vacation, adopting a healthy relationship with money is imperative to achieve that.














New Book Offers How-To on America's Most Flexible Money-Making Opportunity

In his new book, Driving Profits and Making Bank, Jonathan Wong walks would-be rideshare drivers through what he calls, "America's easiest and most flexible money-making opportunity." Based upon Wong's own experiences driving for Uber and Lyft, but also drawing upon a great deal of research into other rideshare companies as well as compatible businesses, this book is packed with everything you would ever need to know to become a rideshare driver. Honestly, I couldn't believe how thorough this book was and all the ins and outs of the rideshare business Jonathan illuminates, plus the countless tips he offers as an experienced driver that will make your solopreneur venture all the more successful.

Yes, when you're a rideshare driver, you're a solopreneur. You are basically a contract worker operating your own business. That means, as Jonathan points out, that you can set your own hours, work as much or little as you want, and work for more than one rideshare company at a time if you so wish.

That said, you can also derive a lot of benefits by contracting with rideshare companies. Jonathan walks readers through how to take advantage of "surge" times-periods when it can be super-busy so you get paid more. Rideshare companies also offer bonuses for referring other drivers to them. In addition, you have a captive audience to whom you can sell your other products or services, such as if you're a massage therapist or you want to sell tourist guides or T-shirts out of your vehicle. (One rideshare driver made over $250,000 in one year just by selling jewelry while driving.) Jonathan also walks you through the art of soft-selling to your customers so you don't annoy them and they don't rate you poorly on the rideshare platforms. Finally, there are the benefits of freedom-besides working your own hours, you can eat lunch whenever and wherever you want, you get to meet interesting people, and you may even discover new places in the areas where you drive.

Of course, like any job, being a rideshare driver has its downside. There are hiccups to the system that Jonathan walks you through, and he teaches you how to take advantage of working for more than one rideshare company to offset any slow times. He also gives sound advice on what to do if you have no shows, difficult passengers, such as drunks, drug-users, or belligerent people, and how to cooperate with law enforcement officers so they are your friends rather than your enemies.

I was amazed by everything there is to know if you want to be a rideshare driver. Some of what Jonathan says may be common sense, but not necessarily something you would think of before you enroll as a rideshare driver. Jonathan explains all the eligibility requirements you will have to meet and those your car will need to meet. He also explains how you can earn extra money depending on your car's make and model and how luxurious it is. He also explains what to do if you need to use the restroom, the importance of keeping your car clean and your trunk empty, and even when you may need to contact a potential rider to determine whether the requested ride is worth your while.

Even more important, since rideshare workers are self-employed, Jonathan walks you through ways to set up your own business to ensure you're covered with insurance and protected from liability, what you need to know to be able to pay your taxes, tips on setting up retirement plans, and all the basics to ensure your long-time financial success.

The back of the book includes appendices that list various apps you can use to enhance your rideshare venture and improve your chances for business success. Numerous other resources are also included, and there are even referral codes to take advantage of.

Driving Profits and Making Bank is the perfect book for anyone who might be interested in being a rideshare driver. It will tell you everything you need to know before you begin and will be your best friend even after you become a driver because you will want to continue exploring the many possibilities that exist for increasing your income while driving. In short, this book is encyclopedic in its resources. Buying and reading it may turn out to be the best investment you've made in yourself since getting your driver's license.














Tuesday, December 18, 2018

What Will Make Your Money Stick

I love traveling, but I also super love coming home! Especially to a place I have created that I love and where I feel great! I have been enjoying getting back into my regular self-care routine, working out and drinking green smoothies! No matter how hard I try to eat well, workout and moderate while I travel, I still come home feeling a little off. Managing expectations and realizing I will; A) drink more wine then usual, B) see more people than usual which is fun but does take extra energy, and C) not workout quite as much. Which is ALL okay. Let's cut ourselves an extra break this week in ALL areas of life. Here is a pic of Roxy the day after we got back :-) Walking her and being on the beach are two of my most favorite things to do. I hope you have a great weekend doing what you love too.

If you are having trouble getting your money to "stick", meaning it's not such an issue bringing it in, but more making it stay, then you will like this week's article! Read on to learn how to make it stick.

So what's preventing your money from sticking? Well, deep down you still have a block to creating the ultimate success level you desire for yourself. You do not believe you are worthy enough at a deep core level. Want to know a little secret? Most people do not feel good enough. It's the ego. That part of our mind telling us we're not good enough, smart enough, successful enough, etc. That when we hit X level we'll finally have made it and can feel good enough, only to find out we still do not feel good enough when we hit that amount. If we're in that place of never enough, we will never BE enough, then never creating enough. Many people create "just enough" regardless of the level they reach. We need to become aware of that thinking at the core and start moving it to a new and empowered thought system.

What's in your bank account directly reflects how you feel about yourself. Now, the amount you decide on is subjective. You get to decide what you want. Please do not pay any attention to people in this industry saying you have to be at X amount to be successful, or have X amount in the bank. It's up to you how much money you would like to earn and have in your bank account. It all comes down to what feels good and exciting for you. Be mindful of comparisons to others. This is about YOUR best life and no one else's. If you are not where you want to BE though, there is something else going on at a core level.

I also do not think most people are wired to ask for more than they need. There is some kind of guilty going on deep down. Like they will be a bad person if they ask for more. So they are in a perpetual slump of always having "just enough". Just enough to cover their current expenses and nothing more for things like traveling, saving and reaching their BIG lifestyle dreams. Oddly, as their business grows, so do their expenses, and even though they have more money, they still stay in "just enough" mode.

Here are some things to consider in order to break this pattern.

1. Know your numbers! You can not get to where you want to go, if you do not take a good look at where you are. Most business owners shy away from this and it's a huge disadvantage to their growth. What you track grows (because it's in the forefront of your awareness and focus). If you can look at it without judgment, you can use it just as a gauge as to how things are going. If you take it personally, which most people do mean it triggers poor feelings about themselves, then you definitely will not want to look at it. Because it does not feel good. How can you become empowered with where you are? In Rhonda Byrne's book the Power, she talks about having gratitude for paying your bills and what they have enabled you to do. Saying thank-you to your utility bills and even credit cards! What have opportunities have they allowed you?

2. Know you are not a bad person. Maybe you've made some poor choices, but look instead at what you have learned and how you can do things differently moving forward. You are in control. This becomes empowering.

3. Pay yourself first! So many people do not do this! They make sure everything and everyone else is covered first! This relates directly back to self-worth. Respect yourself enough to pay yourself first. If you do not take of you, who will? I recommend starting off with 10% of every dollar coming in off the top (gross).

4. Put this money aside in some type of savings that actually earns you money on your investment, and only touch it for appreciating assets. In other words, do not spend it on depreciating assets like things like cars and household emergencies. Another savings account can be set up for those types of expenses if you like. A client of mine calls this type of savings her Freedom Fund, and I just love that! It is helping her create freedom and has made saving a very empowered process as a result. I learned recently about a great investment platform, and I am going to introduce it very soon via webinar training so that you too can see if this is the right strategy for you. Stay tuned!

5. Have fun and watch it grow!














Thursday, November 22, 2018

Grow Your Business With Low Cost Printing Materials

Many businesses rely upon print advertising as one of the keys for success. Skipping TV commercials is a very easy for most people but they can rarely overlook an eye catching print advertisement. Well planned printing is the key to appealing advertisements. Newspapers, brochures, pamphlets, and banners all come under the category of print media. Printing uses resources such as ink, printing machines, quality paper, and other items to create ads that appeal to a target audience.

History of printing

Printing has been around for over a thousand years. The first technique of printing was developed long ago in China. There is evidence to prove that primitive wood block printing was developed in the sixth century. The oldest book found so far was published by the method of block printing back in 868 AD. The book was a Buddhist scripture named Diamond Sutra. A Chinese artisan, Pi Sheng, invented the first movable printer in 1040. Later, in 1234 AD, a movable metal printing press was invented in Korea. By the 13th century many Chinese and Arabic libraries had thousands of printed books and documents. Soon printers became an important part of developed civilizations and demand for them increased.

Printing makes advertising easy:

Banners :

The best place for putting up banners for advertisements is where a large number of people can see it. They are usually placed where there is heavy foot traffic like bus stops, shopping malls and exhibitions. Banners are usually printed for large scale enterprises and for launching or promoting new products.

Brochures :

These are the best methods to advertise for a services or products like holiday and vacation destinations. Brochures should be informative and attractive to catch the interest of the consumer. These can be distributed to individuals for promoting any type of products or services.

Business cards :

Cards are a convenient and accepted way to introduce yourself or your business. This gives a long lasting reminder to the people you meet. They will find it easy to recall who you are and your business details when they have your business card. The first impression is the last impression, they say, so business cards should be printed perfectly in order to reflect your personality.

Newspaper :

Newspapers are one of the best sources for distributing information to the masses. Newspapers are another way to advertise for your service or product along with a short and informative caption or an informative and entertaining article. Newspapers offer many options for print advertisements that are tailor to your needs.

There are many other methods through which one can advertise. No matter what type of service you furnish or products you manufacture you should not overlook the tested and tested methods of printed advertisements. For this, you should try to get the best printing materials as it will raise the quality of your printing and then will attract more of your target audience.














Saturday, November 17, 2018

The Servant - A Book Summary

In order to lead, you must serve. This is the solid













premise of the book "The Servant" by James C. Hunter.













It is discussed through the tale of John Daily, a













business executive who starts to lose his grip as boss,













husband, father, and coach. He was talked into going













on a week-long retreat at a Benedictine Monastery to re-center and find his balance. During the retreat, a













former Wall Street legend turned monk shows













him a different perspective on leadership - servant leadership.

The Ten Attributes of Love and Leadership













The book enumerated the following as the qualities of













a servant leader. Incidentally, these are also the













attributes of love, which was defined earlier as one's behavior towards others.

1. Patient - showing self-control.

2. Kind - giving attention, appreciation, and













encouragement.

3. Humble - being authentic without pretense or













arrogance.

4. Respectful - treating others as important people.

5. Selfless - meeting the needs of others.

6. Forgiving - giving up resentment when wronged.

7. Honest - being free from deception.

8. Committed - sticking to your choices.

All these behaviors will entail you to serve and













sacrifice for others. This would mean setting aside













your own wants and needs to focus on the legitimate













needs of others.

You need to realize that success does not only come













from hard work and appropriately playing the part.













To be successful in business and in your career, you













must be able to distinguish yourself from the rest













of the pack - you need to develop, build and defend













your reputation.

The Law of the Harvest

Remember: you reap what you sow. For authority or













influence to flourish, the right environment must be













provided and a nurturing behavior must be present. In













a garden, the soil, the sun, the water, the fertilizer,













and the care given by the gardener all make up the













environment under which the plant will grow and mature.













The one thing that you are not sure of, however, is













when the flowers will actually bloom. Bear in mind













that influence is not a magical beanstalk that will













sprout overnight; rather, it is













something that grows in time.

The Rewards of Leading with Authority

Leading with authority enables you to have a personal













mission statement: to serve the people you lead, to













listen to their needs, to give praise and recognition,













to show kindness, and to be honest, among other things.













When servant leadership becomes your ethos in life,













people would be lining up to join your cause.

By serving others and loving your neighbors, you are













keeping in line with the doctrines of the Church as













well as other religions. You mature psychologically













and spiritually, which is essentially the end goal of













the individual's journey through life.

While the above payoffs are well and good, the most













important reward of all is the joy you will experience













when you put others first and free yourself from the













chains of self-centeredness. As a certain Dr. Albert













Schweitzer wisely puts it, "I don't know what your













destiny will be, but one thing I do know. The only ones













among you who will be really happy are those who will













have sought and found how to serve."

About the Author:

James Hunter is the author of the internationally













best-selling book The Servant, subtitled A Simple Story













About the True Essence of Leadership. Now translated













into nine (9) languages, The Servant teaches the time













less principles of Servant Leadership and is the text













used in many MBA and other higher education curriculum













around the world.














Tuesday, November 13, 2018

The Shame of the Nation: A Summary, and Analysis

Jonathan Kosol's interest for teaching profession and activism was triggered after the killing of three young civil rights activists in Mississippi in June of 1964 while he was working as a grade four public school intern intern in Boston, Massachusetts. His experience as a teacher in one of Boston's urban segregated schools has made him an insight to the sight of children of minorities, which motivated him to address the issue of segregation, and inequalities that exist in public schools that has continued to plague the nation till the present day.

School Segregation
According to him, he visited approximately 60 schools in 30 districts in 11 different states. Most of his visits were in the South Bronx of New York City, Los Angeles - California, Chicago, Detroit - Michigan, Ohio, Seattle - Washington, Boston - Massachusetts and Milwaukee. In the schools he visited, he observes that the conditions have grown worse for inner-city children in the 15 years since federal courts began dismanting the landmark ruling in Brown v. Board of Education. He notes that the number of white students in urban public schools have increasingly declined with the shifting pattern of white middle class families from urban to suburban communities since the 1960's (white flight). He talks of the irony of school population in relation to the leaders of integration, which the schools bear their names, like Thurgood Marshal Elementary School in Seattle Washington with 95% minority students. According to him, the overwhelming majority of students in urban public schools in the United States are students of color. In Detroit for example, 95% of students in public school are either black or Hispanic. In Chicago, the figure is 87%, Washington is 94% while New York is 75%. He pointed out the cynicism in the "small school initiative" like the Center School in Seattle that was perceived as a "tie-breaker" of school segregation that "attracted 83% white and 6% black enrollment when it opened in 2001, in a city where whites are only 40% of high school students district-wide ". (p. 277). In comparing the Center School with African / American Academy in another section of the city where black students make up 93% and whites make up 3% of the enrolment, the location of the center school and its curriculum offers many opportunities to students. "The Center school which is sited in a cultural complex known as the Seattle Center, offers an impressive academic program to prepare its graduations for college while also provides a wide array of opportunities for students to participate in science projects, theatrical productions, music, ballet , and other cultural activities ", (p.278) while such opportunities are lacking in the African-American Academy. "The school in a sense represents a local version of 'your own Liberia' ... the African American Academy is using a highly direct method of instruction that, in some respects similar to the approach used in Success for All" (p. 279) . He argues that after decades of persistent struggle against school segregation by educators and civil right activists, social and economic policies have continued to aid the growing trend of school segregation.

Inequities
Kozol laments the lack of basic resources and amenities in the urban public schools - restrooms, clean classroom, hallways; appropriate laboratory supplies, up-to-date books in good condition and classroom supplies and material. According to him, this lack of resources moves some teachers to spend between $ 500 - $ 1000 of their own money every academic year to purchase the supplies and materials in the case of Winton Place elementary school in Ohio. He argues the overcrowding of students in a classroom. For instance in Chicago, it's not uncommon to see classrooms with as many as 54 students coupled with the fact that most of the teachers are unqualified.

Kozol also points out the issue of lack of pre-school opportunities for a large number of students because the federally funded head start programs were denied them. He also shows the disparity for money spent on a student, and its effect on state testing. In the case of New York State, the average spending on a student in the city is $ 8,000 while that of the suburb is $ 18,000. Also in New York, the inequities in expenditure between 2002 and 2003 are: NYC $ 11,627, Nassau County $ 22,311, Great Neck $ 19,705. The salitudes of teachers in poor and wealthy school districts follow the same pattern. While the average salary of school teachers in poor communities is $ 43,00, the salary of teachers in the suburb like Rye, Manhurst and Scarsdale in New York ranges from $ 74,00 to $ 81,000. Even the issue of fundraising is a factor in the disparities among schools in poor and wealthy communities. Whereas schools in wealthy neighborhoods could raise up to $ 200,000, schools in poor districts could only raise $ 4,000.

Adaptive Strategy Curriculum
Kozol questions the ratione behind the scripted programs that have been adapted into the minority school system. "Authentic Writing", "Active Listening", "Rubric for Filing", "Accountable Talk", "Zero Noise" etc., according to teachers account, they are meant to follow the scripted lesson to bring formality and structure to the learning environment which raises the anxiety levels of both students and teachers. The high standard language and higher expectations with little support, has taken over the moral and ethical values ​​that use to be the integral part of the curriculum. "used by most schools has become part of the daily rituals and practices that are fashioned to boost students moral. Students from the under-performing schools are encouraged to memorize phrases like" I am smart "," I am confident "to raise their self -confidence and academic performance. This according to him has formed the framework used to identifying the causes of the under-achievement of students of color. encouraged to use "strict Skinnerian controls" to manage and teach students in their classrooms, and which job it is to pump some "added-value" into undervalued children. (p. 285)

In close semblance to the above is the business-like outlook "work related themes" that is being created in these schools, "market driven classes", "sign contract", "take ownership of their learning", "pencil manager", " classroom manager "," building managers "," learning managers "etc. This kind of corporate outlook portrays students as "assets," "investments," 'productive units,' or 'team player' according to Kozol.The knowledge and skills, which the students acquire, are seen as "commodities" and "products" to be consumed in the "educational market place." Kozol argues that educational administration should in no way be equated with factory production line, and advices that "teachers and principals should not permit the beautiful profession they have chosen to be redefined by those who know far less than them about the hearts of children. "(p. 299)

High stick testing
The issue of teaching for testing has replaced the essence of teaching for learning in public schools. According to Kozol, "In some schools, standardized testing begins in the kindergarden. Courses that are not included in the high stake testing are often not taught any more or they are completely removed from their school curriculum, like arts and music. , naptime and / or recess has been reduced or taken out completely to allow more time for the preparation of state standardized test. Even teachers meetings are geared towards the discussion of effective strategies to prepare students for quarterly assessment tests or reviewing state and district standards. Teachers are encouraged to attend workshops and conferences in regards to the testing to acquire more knowledge on how to integrate their teachings to the state testing standards.

In the bid of all the educational superiority imposed on the students, they are also tracked and labeled. Labeling the children from level one (lowest) to level five (highest) places them into categories supposedly for further instructions. Instead of being given adequate attention regarding their labels, it is used as a description of their academic stance. "She's gone down to level two," "She's a level one." The issue of academic tracking and labeling in these schools poses a huge obstacle in creating equity and democracy in a learning environment. According to Kozol, learning is taught as "a possession" not something one "engages" in. Students are encouraged to select "a career path" during their freshman year, so as to tailor their course work. Neverheless, there is little encouragement on the career path of college education. For example, the case of Mireya who attends Fremont High in Los Angeles, while she aspires for a college education, she is rather placed into voluntary classes - sewing and hairdressing. She tells Kozol "I hoped for something else." "Why is it that students who do not need what we need get so much more? And we who need it so much more get so much less?" She questioned.

In view of all these structured teaching strategies imposed on the urban public schools by the administrative body, both teachers and students exhibit robotic behaviors in order to achieve the set goals of the planners. Teachers who tend to veer out on these stipulations face disciplinary actions and could possibly lose their jobs. Students who do not adhere to the rules and follow the prescribed pattern face the risk of not passing their tests. Overall, there is loss of creativity and ingenuity in the classroom. Kozol points out that it would rather take a reflection than a miracle to set the schools on the right track again. He argues that desperate schools can not be turned around by the arrival of a charismatic, tough talking principal. "There are hundreds of principals in our urban schools who are authentic heroes ... but there is a difference between recognizing the achievements of able school officials and marketing of individuals as saviors of persistently unequal system".

Ray of Hope
After questioning and critiquing the re-segregation of urban public schools in America, Kozol pointed out a few schools, teachers, principals, administrators and human rights activists he had met in the course of his study that gives hope to the feasibility of school integration. According to him, "Virtually all the truly human elements of teacher motivation have been locked out of the market misperceptions that control so much of education policy today. But when we go to the schools in which these market ideologies have been valiantly resisted, we are reminded of a set of satisfactions and devotions that are very different from the ones that dominate the present discourse about urban education. " (p. 297) ... "These are the schools I call" the treasured places. "They always remind us of the possible." (p. 300).

He acknowledges the definitions made in most school districts since after visits over three years. At PS 65, a new curriculum that focuses on the need of the children had been introduced. The hand-held timers and scripted lesson plans have been taken out, and actual writings of children are displayed in the walls. He also recalls the efforts of some school districts in Milwaukee and Louisville where school leaders have promoted desegregation across district lines.

Kozol sees every hope in teachers and administrators like Louis Bedrock (which he dedicates this book to), Miss Rosa the retired principal of PS 30, Fern Cruz the new principal of PS 65 and others for their dedication and persistence in fighting for the right course of education for the minority. He also acknowledges the contribution of black activists like Congressman Lewis who have voiced out publicly and written books that expose the persistence of segregation in America.

In his epilogue, he wrote "A segregated education in America is unacceptable". "Integration is, it still remains, the goal worth fighting for" (p. 316).

The Shame of the Nation: An Analysis

I find this book very revealing, intriguing, insightful, and at the same time one sided and opinionated, but in summary, it is very informative. This book is an outcome of a good ethnographic researcher who not only puts energy in his work but also has passion in the subjects of his work - the students. The empirical analysis of this book rests in the inequality that is salient in the American society. Race, class, culture, gender and economic status which have formed the measuring tape of individuals' worth in the American society have become the bedrock of the administrative bodies in the formulation of policies. Policies like education, housing, income and property taxes, transportation etc. have been so carefully formulated to include and exclude some members of the society. These policies of course favor the dominant group, which are whites and disfavor the targeted group which is mostly blacks and Hispanic.

It takes a critical mind to understand the game in the policies. Taking for instance the funding of community urban schools from property taxes from the community, one has to first, think of the nature of the properties in such a community, who owns them, what shape, and of what value they are. If the majorities of those properties are individually owned and are of good shape and value, the expectation is that they will yield good tax for the community. On the other hand, when the government owns such properties, little can be realized in property tax in such a community, and that in turn affects the sourcing of the school. This is the game of politics in perpetuating inequality as we have seen in this book.

Who would expect that the administration that tends to speak in favor of equal education has a hand in making it unequal? That the prophecies of "No Child Left Behind" and "Equal Opportunity for All" are only frivolities? Who would imagine that some teachers and education administrators could be so robotic that they question their ingenuity and creativity in the face of manipulation, except for a revealing book like this? In addition, how can anyone comprehend the damage that has been done by these administrative inconsistencies over the years?

There is an insight into the social, economic, and cultural capital powers of the society in this book. Parents who are more informed, educated, with good jobs and better means have more say in the education of their children than those with little or no education and means. They surf for good schools for their children, organize themselves as the parent bodies of the school, and intervene in matters that are not favorable to their children, for instance, they raise money to employ more teachers and advocate for less number of children in a class. They come up with one voice to exclude others from integrating into their children's schools and sometimes take out their children from a school that are getting more minority enrolment as the case may be. They are less dependent and more challenging to the school administration and government than the parents with fewer capitals. The parents of the minority who have fewer capitals, complain and rarely mostly on the school administration and government to make the necessary adjustments in their children's schools. The system fosters posterity of family status.

In this atmosphere of stratification, while the dominant group acts up to maintain its status, and the targeted, subordinate poor group agitates its position, the children suffer the struggle. A wider gap is created between the rich and the poor. While the children of the dominant group perceive themselves as fortunately, they are less 'educated' than the poor children who see it all. They face lesser chances of integrating and facing realities of multiracial society and as such are less likely to accommodate differences in future. On the other hand, the minority poor children get more skeptical and cynical when matters of equity arise. In the case of the little Bronx boy who wrote Kozol, "You have all the things and we do not have all the things," and the high school student from California who told his classmate "You're a ghetto, so you sew. " The disparities in their educational experiences raise innumerable questions in their heads, which only the government can comprehend in that while their parents may be 'guilty' of not possessing the where-withal, the students are innocent. Kozol's study goes to predict that going by the present pace in educational strategy in America, inequality will persist; integration will be minimized, and desegregation will not only be a nightmare in schools but would be nipped in the bud in the society in future if they are not addressed now. He goes to say, "This nation needs to be a family, and a family sets down for its dinner at a table, and we all deserve a place together at that table."

Having enumerated the classical work of Kozol in diagnosing the blatant, ugly passion inequities in our public urban schools that plagues America today, I need to point out the one-sided, opinionated view of the issue. In a situation like this, no one person can be all right and the other all wrong, there needs to be a balance of 'a little to right and a little to the left'. In the entire book, Kozol addresses the structural approach to educational inequality that sees the school and government administration as the factor that has perpetuated the problem, little suspicion if any, of the cultural approach to the discourse with parents and students contribution. Although there were a few reasons of all white public schools, there was little emphasis on their interactions, though one might argue that they have all the necessary amenities available for them in comparison to the minor schools that have little amenities.

I call this one sided and opinionated in the sense that the subjects of the matter visa vie poor minority parents and their children, are not addressed as potential input to the problem and as such potential contribution factors to the solution. If in a capitalist society like America where opportunity is laid down for everyone for grabs, the 'majority' of the minority group keeps complaining of marginalization of resources, there is a problem somewhere permanently imposed limits. The problem could be in derivation of comfort in dependence or reliability on false sense of security. The core word is value. As regards to the parents, many of them depend on the system and can not walk their ways out to independence and instill that value of independence in their children. A culture of poverty has evolved among this minority group and they seem very comfortable in such a zone. So who makes the extra money for their children's comfort?

The children as well due to lack of role models from their parents, do not deem it fit to strive and conquer the inevitable, they embrace violence and they keep on finger pointing like their parents instead of realizing that education not agitation is their only access to high status in the society. I believe that a focus on re-orienting the children of the minority group in exploring educational opportunities no matter the limitations that they face would help in getting them back on the right track. On the other hand, if they should be contented, respectful, curtail violence, and love themselves, that would attract more empathy to them from whatever administration that is in place and they can be in their own schools without any white and feel good just the same. Understandably, the structural approach often times shape the cultural, which is unstable based on economic resources that yields self-support and autonomy.