Five Similarities Between Religion and Spirituality

April 26, 2017

When we were children we were asked, Which came first, the chicken or the egg? If we based our answer on the creation story in the Bible, we would answer, Chicken. But if we based our answer on our experience in raising chickens, our answer would be, Egg.The same can be said of the answer to the question, Which came first, Religion or Spirituality?In terms of our experience with religious books and discussions, religion came first. It is only now that more and more people are talking about spirituality and writing about it. In terms of the origin of the reality behind those words or in terms of the object of our understanding, spirituality came first. The spirit was there before there was any religion. God was there before there was anybody to worship him.We can even say that spirituality is an offshoot of religion. For many centuries people professed religion. Some of them fiercely opposed religions other their own. Christians for many centuries opposed paganism, Islam, Hinduism, Buddhism, and any other religion. This has happened also with paganism, Islam, and the rest with respect to the other religions. They too opposed other religions.

But more and more people discover that mere religion cannot answer their deeper yearning for a better experience of life. So, they turned to something deeper and better than religion. They found this in spirituality.Because spirituality in a sense is an offshoot of religion, there is bound to be some similarity between them, just like the similarity between the egg and the chicken.First, both believe in a higher power of some kind. Religion believes in God the Father or Jesus, or Allah, or Brahman, or Tao. Spirituality believes also in this God or it may conceive of God as a universal or primal energy. Both believe that such being possesses power higher and greater than what we have.Secondly, both religion and spirituality desire to have a relationship with this higher power. Although the nature of the relationship is different in religion than in spirituality, the desire for this relationship is there. Religion connects with this higher power with fear and trembling. Spirituality connects with this higher power with love and affection.Thirdly, both religion and spirituality have rituals and practices which deepen one’s religiosity or spirituality. Religion usually has sacred rites or sacraments. Spirituality has meditation or yoga sessions.

Fourthly, both have respect for the sacred, the other worldly. This is not just respect for God. This is respect for the reality that is beyond our senses and reason. When religion pushes this respect to its extreme, it becomes superstition. When spirituality pushes this respect to its extreme, it becomes religious spirituality.Fifthly, both have fear of failure. In religion this failure is punished by hell fire or repetition of existence or some other worse fate. In spirituality this failure is the inability to realize one’s true worth or value and the destiny of a life of meaninglessness. Hell, repetition of existence, non-existence, meaninglessness are forms of punishment for failure, either in religion or in spirituality.

Importance of Branding for E-Commerce Businesses

May 29, 2017

E-commerce businesses are becoming a reliable way to buy products online. Branding plays a direct role in improving chances of e-commerce business success. An increasing number of global customers are switching to e-commerce sites to purchase everything from groceries to apparel, and electronics to lifestyle products. The e-commerce industry has completely transformed the way in which consumers around the world access products and services. It has suddenly brought a world of options to the fingertips of end users. The future seems bright for the e-commerce industry, with major players branching out into newer product categories frequently (thus setting the standards for smaller brands).For e-commerce businesses, things are going well enough, but the competition is also fierce. New e-commerce brands are launching every day and persistently trying to get a foothold online. When it comes to branding, e-commerce companies are leaving no stone unturned. In this scenario, it is vital that you build and implement a high quality branding strategy for your e-commerce business.Branding Strategies For E-Commerce BusinessesBy having a result-oriented, effective branding plan for your e-commerce business, you can stand out amongst your competitors. To achieve that, you must determine what makes your e-commerce business a unique player in the industry. Are you offering high quality products at the best available rates? Do you organize regular discounts and offers for your customers? Are you adding new product categories to meet more customer demands? What are the factors that would convince customers to choose your brand against others? E-commerce business owners must strive to highlight the unique selling points of their brand. Only then can an e-commerce brand be boldly promoted to larger audiences.

As an e-commerce brand, you have to be at the forefront when it comes to attracting product vendors as well as consumers to your e-store. Vendors would be interested in using your marketplace, if it has a strong brand that keeps providing value to customers. The number of sellers and customers you bring in to your network depends on the strength of your e-commerce brand, and how well it delivers on its promises. If you are intelligent in your branding, and consistent in your service quality, your e-commerce brand can achieve considerable success.E-commerce branding, like all branding, is influencing the perception of your brand and its services, in the eyes of the customer. Effective e-commerce branding will make marketing easier, retain more customers, drive up loyalty, and create better potential value for steady, long-term success.The way you must approach an e-commerce branding strategy is by highlighting some key points. With branding, you must uphold your business’s core mission, the problems you aim to solve for your customers, standards that it adheres to, and proof of the quality of services you provide. What are the factors involved in business branding and their importance?E-Commerce Branding – Methods and Importance1. Your Brand Image – A stellar, uniquely identifiable brand image helps customers attach value to your e-commerce brand’s personality. This includes various things such as logos, banners, taglines, marketing captions, social content etc., which should always represent your brand the best. This is quite important if you want to create value for potential customers and convert them into loyal customers. A good brand image goes a long way in retaining customers, by continually generating interest for your e-commerce brand’s offerings.2. Customer Satisfaction – Customers are everything, when it comes to e-commerce or any other type of business. You can actually enhance customer experiences and drive up satisfaction (and loyalties). This is a big part of establishing your e-commerce brand. Put your best foot forward while marketing, deliver on your promises you make, and provide unmatched service and support to enhance your brand’s potential value. Remember that satisfied existing customers can and will bring in newer customers to your e-commerce business. Maintain your integrity and keep reinventing to bolster your brand’s chances of business success.3. Find Your Unique Selling Proposition – As an e-commerce business owner you must determine the USP of your brand. This will help you brand and promote it better to larger groups of potential customers. Think about what sets you apart from dozens of competitors vying for true e-commerce glory. Is it your service quality or support? Is it the trust of your customers and your track record? Do you provide innovative offers, discounts and promotions on special occasions? Do you house the widest variety of rare products? You must determine why customers would choose your e-commerce site. What extra value can you offer to your potential customers that convince them to use your platform again and again? Find your USP and use it to strengthen your brand.

4. Utilize All Channels – Technological advances in the past decade demand that your e-commerce business maximizes its presence on all social, web-based and mobile platforms. More and more potential customers buy and sell through handheld devices, and almost all of them are on social websites. All your competitors are doing it, and so should you. It will help you make your brand easily accessible to larger audiences, which in turn will bring more conversions and significantly better revenues. Social and mobile should be the front and center of your branding strategy.E-commerce sites can benefit from the above mentioned branding strategies. By using the concepts provide here, you can establish your e-commerce brand and take your business to the next level.

Get Freelancers for Your Business Services Needs

May 10, 2017

While running a business, there are many essential services that are required on a day to day basis. Business services are an important element of any business that ensures its survival. For small business that struggle to hire full time staff, outsourcing these services to freelance providers could be the ideal answer. If you decide to get freelancers for your business services needs, there is no doubt they would turn out to be reliable and a necessary part for your business processes.Once the company has found reliable freelancers, results will become obvious that the business will start to develop and grow into successful entity. There are many freelance websites which offer opportunities for both businesses and the freelancers to find each other and work together. One can find a lot of different business services offered by freelancers and it is these diverse resources that businesses will be able to leverage and improve their current situations.

Whether it is accounting services, financial services, IT services or any other required service by the business, one can find experienced freelancers for all business service requirements. Once you get freelancers for your business you will find out how reliable, convenient and cost effective they are. To get freelancers whenever they are required, employers find they soon become a necessary investment. Freelancers have the ability to do anything in their chosen fields, it won’t take long before they become an integral part of the companies processes.To get freelancers is not a very difficult task; there are many freelance websites where one can find freelancers for every kind of business service. Freelancers can really make a big difference in the development and growth of a business through their efficient services. In today’s world, businesses are worried about their profit margins and are always on the verge of contracting their budget and expanding their profits. Hiring a freelancer for business services is a great way to cut costs effectively.

Hiring freelancers for performing various business services has become a trend for many companies. It is a cost effective way to run a business, but make sure that the services you acquire from the freelancers are up to the mark. But overall it is a very effective way of running a business. The only thing required is to keep a close communication with the hired freelancer to make sure there are no misunderstandings along the way.It is well known that to get freelancers for business services is quite advantageous, especially for small business. Once the business founds a reliable freelancer, it has been proven that the business would benefit a lot from the services provided by a freelancer

Mobile Computing

May 14, 2017

Mobile computing refers to the use of any kind of computer in a moving environment. The motion may be of the device itself, as in laptops, palmtops, wearable computers, and mobile phones; or it may refer to the dynamics of the computing process, as in digital cameras, podcasters and MP3 players. Mobile computing devices generally use wireless technologies such as LAN, Wi-Fi, GPRS and the more recently introduced MAN.Mobile computing can be broadly classified into two categories – portable computing and mobility computing. Portable computing actually refers to wired communication. Portable devices themselves are movable, but in order to access them one needs to connect them to a network port. That means, portable computing devices can be carried to wherever there is a network port available. Mobility computing is also called simply mobile computing nowadays. This is true wireless communication. Not only are the devices movable, but they can also be accessed from almost anywhere. Today, portable computing is almost on the verge of extinction; mobile computing has made its foray into almost every aspect of human life.

The first usage of mobile computing devices was perhaps in vehicles. Speedometers were among the first devices to get computerized. Almost every modern vehicle has several mobile computing devices under its dashboard. Cell phones are another rampant proliferation of mobile computing today. Every single cell phone is a computer in its own right. With the advent of wireless technologies, it is also possible to access the Internet through cell phones. Blue tooth has brought cell phone users closer than ever before and has facilitated data transfer within a stipulated area. Another brilliant advancement in the field of wireless technologies is the Metropolitan Area Network, or MAN, which will allow vehicles and cell phones to remain in communication with each other forming a network probably much vaster than the internet.Today, mobile computing is a boon to people on the move. It can be used for checking mails while in transit and even carry out transactions and businesses. Services like SMS (Short Messaging Service) and MMS (Multimedia Messaging Service) are targeted towards the younger generation to remain in contact with their colleagues and friends. During sports events, mobile networks keep users informed of the goings-on.

However, critics are concerned with the intrusion of privacy that mobile computing creates. Several members of the younger generation are turning into ‘gizmo freaks’ and becoming almost addicted to their mobile computing devices like watches and cell phones. Some of these devices which work on infrared technologies can also pose potential health risks.Yet, mobile computing has become an indispensable extension of technology today. It is definitely here to stay.

Examples of Some Health Conditions and Physical Symptoms Related to Alcoholism

May 18, 2017

Alcoholism is not prejudice at all, nobody is completely safe from becoming an alcoholic. It is just important that you educate yourself more about it, so that you will know what to do in order to remain healthy and live a longer, healthier life.Alcoholism can damage many of the organs in your body and if you use and abuse alcohol for a prolonged period of time then you are putting yourself at a higher risk of getting serious conditions and diseases that could take your life. It is important that you take the time out to read about these different health conditions and physical symptoms that are sometimes related to alcoholism. Some of these that I am talking about include things such as, cirrhosis of the liver, inflammation of the liver, a higher blood pressure, malnutrition, erectile dysfunction, pancreaitis, insomnia, bleeding of the esophagus, nerve damage and brain damage could also occur with prolonged abuse of alcohol. These sound serious don’t they, because they are serious and they could be life threatening. Why would anyone want to hurt themselves in such ways? The fact is, most people do not take the time out to think about all of the negative consequences of drinking too much alcohol, they just live in the moment or the addiction has become so strong that they just can not do anything to stop it, or so they think.

There are tons of treatment programs available for anyone that seriously wants to stop drinking or doing any other type of illicit drugs. It is up to you to get help or in some instances there needs to be an intervention from family and friends, getting you help whether you like it or not, although they do have to have your permission to put you into a program such as a rehabilitation and therapy center. It would be the best thing you could do for your life and your friends and family members would be so very proud of you and thankful, thankful in knowing that their dear friend or loved one is going to be around longer because they got the proper help and treatment that they needed to help in recovering from alcoholism or drug abuse. It will be so much hard work and it will take so much determination on your part, but it can be done, you can heal yourself and your body, mind and soul will benefit from it as well.

Start Your Italian Vacation With Roman Art History

May 2, 2017

You have chosen to go to Italy for your vacation this year, to find that ancient Rome which is said to assert, even these days, its influence in all areas of our cultural, intellectual, and technical life. In a sense, you are delving into your individual roots, even in the event you also plan to check out the contemporary scene, the shops, the restaurants, the bustling cities. You are individual experiences at home have prepared you for an appreciation of the modern, but are you prepared to appreciate the historic civilization of Rome, the artifacts which are left of the empire and that stand out as visible reminders of bygone times? In the event you wish to fully appreciate that past, prior to you go, take a little time out of your hectic schedule to study Roman art history, Roman painting, Roman sculpture, Roman architecture, in order that once you stand just before it, its speaks to you as it spoke to individuals Romans long ago at the dawn of Western man.

As soon as you open a book on Roman art history, you will find that the Romans have been lovers of Greek art. Outstanding in literature, poetry, history, philosophy, the Romans seemed to let their fascination with Greek art dominate their entire outlook on art, so significantly to ensure that numerous art historians fail to see something that clearly sets Roman art off from Greek art. To some extent, this is true. The Romans imported Greek art from every age of Greek art, from the Archaic, Classical, and Hellenistic periods. Not only did they import these styles, but they also imported Greek artists to produce new operates for Rome. Roman writers on art in individuals times hardly wrote something on Roman art, but they wrote copiously on Greek art, lauding it as the height of artistic endeavor. So fascinated have been they by the Greeks, the Romans did not even record the names of their individual artists, yet the art criticism from people times lavish praises on the Greeks: Phidias, Praxiteles, Polyclitus and other famous Greek artists. Entranced by the Greeks?who would not be?the Romans had been without question, artistic imitators of the Greeks.You may well do well when preparing for your vacation to Italy to give some consideration to Greek art history, seeing how influential the art of Greece was in Roman art history. Perhaps, if you’re going primarily to witness the artistic tradition of the West, you may do just too to very first visit Greece, Athens, in order to obtain a full sense of the origins of Western art.In the event you have time only for Rome, you will still be exposed to the Greeks styles expressed through the vision of historical Rome. Your reading in Roman art history will also help you distinguish individuals contributions that happen to be distinctively Roman?yes, they did expand on Greek art, creating a specifically Roman expression. The Romans had been not able to totally eliminate their personal unique history from their operates. The influence of their Etruscan forefathers emerges in a lot of the sculpture and architecture of the later Roman period. Read a history on Roman art and learn far more on what distinguishes Roman art from Greek art. Once you stand previous to the temple of Sibyl in Tivoli, outside the Sanctuary of Fortuna Primigenia, inside the Colosseum, inside Pantheon of Rome, you will see much more than architecture; you will see historical Rome.

Free Internet Marketing Software Keyword Generator

May 11, 2017

As you begin your search for new free internet marketing software and free keyword generator programs there are certain things that you must do to maximize your efforts. Remember that time is your most valuable commodity as an internet marketer and simply put we as marketers do not have time to waste looking at, reading about and testing new software programs that offer the following;1.) Trial Use2.) Limited Use3.) Timed Use4.) Demo Only5.) Light VersionI’m sure that from time to time you will find a truly wonderful program that defies all of the odds, but let’s look at this from a practical point of view here. How much time was spent getting to the point where you found that software program? Was it really worth all the hassles? More often than not I’m sure that you’ll agree that it would be better if you could simply find a website that reviewed these so called “free internet marketing software programs” and “free keyword generators”. And of course finding such a site that also offered a blog or forum for viewer comments would be even better.To prove this let’s do a brief study on free internet marketing software and high quality free keyword generators. For the sake of argument let’s run a search on Google for a “free keyword generator”.Case Study #1:Free Keyword List Generator by Stomper Net – My first thoughts were WOW another GREAT free or low cost promotional tool being offered by Stomper Net! Then I realized that I had to sign up for their email list AGAIN and register to use the tool. Once I’d jumped through these initial proverbial hoops I was shocked to find that I’d overlooked the fact that this software uses Word Tracker Keywords.

This means that my software would need to be upgraded to unlock it’s full potential, which of course would cost money. Worse than that I might need to sign up for the Word Tracker Keywords program and that means I could possibly end up paying for a monthly or annual subscription to their service.* Before I offend anyone I do realize that Stomper Net and the Word Tracker Keyword program are both well respected staples in the internet marketing niche. However, in this case it is my goal to help people find completely FREE full version internet marketing software and keyword generator software that they can use to promote their products, services and affiliate programs with.Case Study #2:Good Keywords – At first site their website looks very well organized and professional. They offer free full version keyword research tools and keyword generator software that looks like it will do exactly what we’ve all be looking for. At one time this may have been a state of the art program back when Yahoo’s Overture worked reliably on a consistent basis.The problem with this free internet marketing software group is that it is completely reliant on a program that is so over used that the mere traffic to the Yahoo Overture website alone bogs down their system so badly that you’re lucky if you can even get their website pages to load from one visit to the next.* Also sadly in this internet marketer’s humble opinion the results that are pulled with the free Yahoo Overture tool has proven to be unreliable and unstable at best. Again, I don’t mean to offend anyone and I’m sure that at one time this was a GREAT program, but there are newer and better things.Case Study #3:Global Promoter – The first thing I noticed on their website was this;”Please be patient. This may take up to 2 minutes because it compiles the results of 6 major search engines. Sometimes no results are returned even though there are queries performed on the keywords you typed in during the given month. If this occurs, just hit submit again until the correct results are returned.”In theory this looks GREAT if they’re really using this free internet marketing software program, or in this case, free keyword generator software, to search on SIX major search engines! However, what I found next really bothered me.
“No Searches Done in March 2008 on the Overture network of search engines for your keyword.”This only left me thinking that there I was again using a program that was completely reliant on Yahoo’s Overture, which again in my humble opinion was outdated, unreliable and inconsistent.Case Study #4:Google AdWords Free Keyword Generator Tool – With this free internet marketing software program I thought that I’d finally struck oil. After all no website is more revered, searched and used online for things of this nature than the mighty Google themselves! With that in mind I typed in my favorite set of keyword search terms;”free internet marketing software”Unfortunately the results that were returned consisted of 3 targeted keyword phrases and 11 other keyword phrases that had NOTHING to do with any form of internet marketing software.Case Study #5:Traffic Zap’s Free Keyword Generator – Let me cut this one short by telling you that when I tried to use it the first thing I got was a POP UP with something that looked mildly semi-pornographic. It then appeared to be processing for some time only to return an error message that once again leads back to problems that we’ve already discussed regarding the long list of free internet marketing software programs that rely on Yahoo’s Overture.

At this point we’ve researched ALL of the top 5 unique listings on Google for “free keyword generator” and we have yet to find a truly reliable free internet marketing software program that we can use to promote our products, services or affiliate marketing programs…..other than ones that we would most likely have to PAY to upgrade, such as the program by Stomper Net mentioned above.Final Case Study:Free Keyword Generator by IM Software 4 Free – This program checks for a list of popular keywords by searching on Google, Yahoo and MSN combined to come up with a more complete starting point for internet marketers to use. It also runs a search on these 3 major search engines to find out how many competitor posts show up for each of the chosen keywords.While no free internet marketing software or free keyword generator is going to be perfect this tool is truly a GREAT program to use and best of all it’s completely FREE to download and use. There is no trial use, limited use, timed use, demo or light version that leads to a paid upgrade or leaves you out hanging in the wind to PAY if you want to use the software after a specific time frame.

The Difference Between SEO and SEM

April 30, 2017

SEO is an acronym for Search Engine Optimization. This is how a website purposefully designs it content, including their titles, content and meta tags, for the sole purpose of getting the attention of search engines like Google, Yahoo and the lesser known Bing. What SEO wants to achieve is an organic or natural flow of traffic to their websites that is not bought or paid for like we do when we pay for advertising. A search engine result is free.SEM is an acronym for Search Engine Marketing. It is a concept often associated with SEO, sometimes even confused with SEO. They have some goals in purpose but are very different in technique. SEM has come about because large search engine websites like Google have offered fees to show case ads on the top of their page listing. These are pay per click or PPC ad campaigns. SEM is closer to traditional advertising in that you pay for the direct exposure you are receiving. SEM has made it possible to be a website with high visitor content just because they pay more to be advertised and promoted by Google. Both SEM and SEO are sets of strategies to bring in visitors. Except you pay up front for SEM, it is a direct advertising strategy. While with SEO, you look for indirect ways to get noticed.Optimizing a website for search engines, will mean evaluating particular keywords and keyword phrases the internet users may type into search engines to look for service and products that an ecommerce based business may offer. The grit of SEO is editing website content with keywords. Including keywords and keyword phrases in tags and meta tags. Even links and HTML is edited to suit SEO. HTML and links are worked out in a way to get the website user to move a certain way within your website. Ideally, the website visitor is presented with links around the website, going from page to page to read information they are interested in. This design makes it so the website user does not leave the website immediately.

SEO works best when the SEO professional does not try to find underhanded ways to cheat the search engine system. Such tricks will get a website flagged by the search engines, since they use practices that are discouraged. Even if the website does rise to prominence for a moment on the Google rankings, reading content over peppered with keywords will get the website pulled down even faster. SEO tricks like link farming, keyword abuse and page cloaking get picked up by the search engine algorithms and they push the website to the top of search results. You can trick the machine. But after people start reading your content, it becomes apparent that the website is a fraud.The best way to climb to the top is by following ethical SEO guidelines. Write good content with proper technical guidelines. You can learn to do this yourself. You can also hire a writing service who will do this for your. But if you want to really get out there the fast way, consider SEM. A Pay Per Click ad campaign means that you only get charged for clicks on the link to your website. You know exactly what you are getting for your money.Search Engine Marketing is guaranteed promotion for any business. Pay per click is one for few guaranteed strategies for success in attract the coveted targeted consumer. But you can and you should use both SEO and SEM at the same time. Both are invaluable resources. Here is a list of benefits that will be available to your website with the help of SEM:1. When somebody types in a query into a search engine, the search engine will present them only ads and banners in the same industry or interest of the query.
2. Pay Per Click is great for corporate awareness, aside from online sales. It increases the value of the brand name.
3. Pay per clicks and sponsored links are transparent. You know what your money is paying for, as presented by the numbers.
4. Keeping well written and informative landing pages will lead readers to explore your website and see what else is available.
5. You only pay for the traffic volume that the pay per click ad has brought in. And this traffic is select, meaning they have interest in your service or product.

In a way SEO and SEM are the same concepts wrapped in different presentations. SEO will last longer because it is content based. You do not pay for it every time it shows up in search engine results. If the competition is low, your website will be highly ranked for a very long time. SEM operates with the same traffic volume objective buy in a different way using paid Ads, banners, sponsors and Pay per click services. It brings in traffic too over a shorter period of time, unless you can keep payments indefinite. But the websites that gain the most use both SEO and SEM aggressively.1. They get more traffic that increases exponentially if they keep up content.
2. They keep up with rankings over a long period of time.
3. They keep it innovative and fresh, so loyal visitors have something new to see and come back to visit again.
4. Content keeps up with relevance to search engine guidelines.
5. They cultivate repeat visitors who also become repeat customers.Being SEO ready means your website is easy to access, user friendly, and easy to navigate for the average user. There are gimmicks, games, polls, promos to entertain the internet user and keep them coming back. This attracts visitors and other websites to link to your own website.

Eight Tips For Launching Your Real Estate Investing Career

May 15, 2017

Eight Tips for Getting Started in Real Estate InvestingIntroductionThis article is just the basics for getting started in real estate investing. This is not a how to article but an article that gives you some information about things to do to get started. Everything in this article is tools that can be applied to helping anyone get started in real estate investing. I am going to give you my eight keys to getting started. Nothing is right or wrong but reflects the point of view of the author. Laws and legal practices vary from state to state, and laws can change over time. The author does not vouch for the legality of his opinions, nor is there any intent to supply legal advice. The author strongly encourages the reader to consult with professionals and an attorney prior to entering in any real estate transaction or contract. The author is not a writer but he is a real estate investor. There will be grammar mistakes and errors, so don’t be too critical of the grammar but focus your energy on what is being said. With that said prepare yourself to think a little differently and expand your mind. Let’s get started on an amazing adventure.The Eight Tips are as follows1. Desire
2. Goal Setting
3. Learning What To Do
4. Attending a Real Estate Investing Seminar
5. The Billings Montana Market
6. Finding a Mentor
7. Your Real Estate Team
8. Just Do IT1. DesireBefore we get in to the bolts and nails of real estate investing in I want to talk to you about desire. If you are going to be successful at anything in life including real estate investing you have to have the desire to do it. Desire is defined as longing or craving, as for something that brings satisfaction or enjoyment. Desire stresses the strength of feeling and often implies strong intention or aim. In real estate investing if you don’t have a desire to learn and grow as a human being and really get satisfaction out of it, then real estate investing is going to be hard to do. When I go out and look at a property it brings me a lot of enjoyment. Every aspect brings me joy from talking to home owners, figuring out how I can make a deal work, to buying the house and to finding a good homeowner or tenant for the house. Real estate investing may not be for everyone but real estate investing can offer anyone the financial freedom we all crave for. If you do not have the desire for real estate investing that is ok, it can still help you to live your dreams and help you to get where you want to go in the future.Why is real estate investing an amazing avenue for anyone to live out all of their dreams? Let me ask you a few questions. Do you have enough money to do anything you want? Do you have everything you want? No debt? A nice house? Great Marriage? The freedom to do anything regardless of how much it costs and the time it takes? If you have all of these things then you are one of the few people in America who does. Most people may be working fifty hours a week and making just enough to pay their bills. In today’s day and age most people are living pay check to pay check never really knowing if they will make enough to pay the bills that just keep piling up. If you cannot keep up with your monthly bills how are you going to plan for retirement or send your kids to college or have time to enjoy life. The answer to all of these questions is becoming financially free. Now it’s not going to be easy everyone will have to get off the couch and out of their comfort zone. Real estate is proven to be one of the fastest ways to get your out of the rat race of the nine to five and begin living the life you deserve to live. Everyone wants something different out of their life. Some dream of traveling the world, spending more time with family, volunteering, golfing, laying on a beach, giving back to the community, or anything that will make them happy. There are thousands of things that make people happy.Making it in real estate takes a person who has a strong desire to change their lives for the better and think big. Anyone can become a great real estate investor. It is going to take a lot of work and can be a struggle at times but in the end it will be the most amazing feeling ever. The people that make it in real estate investing all have a few things in common. First they run their real estate investing business like any other business out there. Second they get out there and network with anyone and everyone. Some people might be like me and have a hard time talking to other people. If you are that is ok, anyone can learn how to become a people person, it just takes hard daily work. You have to push yourself past your comfort zone. The third thing is that you cannot be afraid to fail. Everyone has failed at something but the most successful people out their learn from their failures. The fourth thing is that you have to put a good team together. I will go into putting a team together in a later chapter. The concept of putting a team together is so that when you don’t know something you have team members that know what to do and can help you with questions. The can also make sure that you are not working yourself to death. You do not want to be the person doing everything in your business. Doing everything is a receipt for failure. You have to put together good people who you can trust and rely on. The fifth thing is that you need a mentor. Sixth and final is the desire to do it. No one can become successful at something if they don’t want to do it and don’t get satisfaction out of what they are doing.2. Setting GoalsHaving goals is one of the most important aspects of achieving what you want in life. You don’t want to just have your goals up in your head you want to write them down and past what you have wrote on the wall somewhere or in the bathroom mirror. You want to review your goals daily and read them out loud to yourself. This way you remind yourself everyday why you are building your business.How should you start to write down you goals? First off you should think big, and by big I mean HUGE. If your goals are too small you will easily achieve them and have nothing else to look forward too. You should start off by asking yourself the question if I had all the money and time in the world what would I do, what would I buy, how would I spend my time, and how would I spend my energy. Are you starting to write these down? Well you should be. Think about what you want, spending time with family, traveling the world, the best cars, a castle, owning a small country, running for president, having the biggest real estate investing business in your area or in the country. Whatever your dreams and what you want out of your life, write it down. Some of my goals are becoming free, traveling the world, having a Ferrari, having 10 vacation homes all over the world. Right now I am just trying to get you out of your comfort zone of thinking and let your imagination run.

There are several ways to set goals. I have learned a lot of ways you can set you goals and there is no right or wrong way. The best ways that I have found to set your goals is to break them up into two categories. First your short term goals. This should be goals from a month out to around a year. The second is your long term goals these goals are you think big goals and what you see for your future.For year one I like to first make a list of what I want to achieve this year and I will give you an example of how to do that. For year one you want to be very specific first you want to list what you want your income to be at the end of the year, next how much cash in the bank you want (this is money in your checking account, not assets). Next you want to list how much you are going to give. Giving is a very important, this can be giving to charity, giving of gifts to friends and family, giving to your school or anything you can dream of. As long as what you give brings joy to others who need it more than you. Next list what bad habits you have that you want to eliminate. Weather is be quitting smoking, spending too much on junk, drinking too much, working too much, not spending enough time with family, too much TV, not exercising and many more. We all have bad habits that need to be changed in order for use to grow as human beings. Under each of these bad habits list out some steps that you can take in order to quit them. If you bad habit is being lazy and not exercising enough what can you do to change that. Well you can get a gym membership or a home work out program. Commit yourself you following through with a plan to work out 3-5 days a week. For you to change these bad habits you have to be totally committed and follow through with a detailed plan you set for yourself. After you have your plans in place you should start listing several things you want to achieve or do in the next year. This can be start a successful business, spend time with family, travel to 2-5 places and so on. Now under each of these you should also write a detailed plan on what you need and what you need to do in order to achieve these goals. Finally you should take all of this information you have a write on page on what you see your life being over the next year. Doing this is a great exercise to really see what you want out of life.Goals Year OneThis is what I am going To Do This Year
Income: $500,000
Cash: $100,000
Give: $20,000Bad Habits that will be changes:Over Sleeping 1. Go to bed at 11 p.m. 2. Use a timer and set it for 8 hours 3. Set the timer on the other side of the roomBuying things that you don’t need: 1. Going out shopping less 2. If you have the urge to buy something think to yourself is thing item going to help me to achieve my goals of becoming financially free? 3. Tell friends what you are doing, so they can help to stop you.What I want to Achieve:Start a successful Real Estate Investing Business: (you should write a detailed step by step plan of everything you need in order to achieve your goal)Travel: Where do I want to visit? 1. Gators football game (what I need to do it, money, etc)And last your own page about what you want to achieve using words like I will and only positive words.For long term goals you don’t need to be as specific right now, but you should list them and under them list a few steps or smaller goals that need to be achieved before you are able to achieve them. With the long term goals always think big. Another good exercise for long term goals is to make a collage of you goals. Put pictures of the house you want on it, places you want to travel, a picture of your family, a number of what income you want in or anything you can think of.3. LearnKnowledge builds confidence and destroys fear. If you are starting any kind of business you need to learn the ins and outs of that business. The best way I have found to learn about real estate investing is to read all about it. But once you know it you have to apply what you have learned. Learning and reading is just one step to take. There are thousands of books on the market about real estate investing and everyone has something you can learn from. You don’t just want to read real estate investing books though. You also want to fill yourself with motivational and leadership books. Every successful person that I know if a reader and they all spend at least thirty minutes a day reading something that will teach them about improving their business or helping themselves to become a better person. Some of the best books that I would recommend reading are listed below.1. Rich Dad Poor Dad by Robert Kiyosaki (read this first and also ready everything in the rick dad poor dad series, great books to start with and will expand you mind)
2. Be a Real Estate Millionaire by Dean Graziosi
3. Flip your way to financial freedom by Preston Ely (this is an E-Book)
4. Four hour work week by Timothy Ferriss
5. The Attractor Factor
6. Short Sale Pre-foreclosure Investing by Dwan Bent-twyford and Sharon Sestrepo
7. Keys to success, by Napoleon Hill
8. Think and Grow Rich by Napoleon Hill
9. How to win friends and influence people
10. Any Book by John C. Maxwell (he has tons of amazing leadership books)
11. Getting Started in Real Estate Day Trading by Larry Goins
12. The E Myth by Michael Gerber
13. How to be a quick turn real estate millionaire by Ron Legrand
14. The Power of Full Engagement
15. The It Factor
16. Anything by Anthony RobinsThere are tons more you can read but these will give you a great start. You should also read books on negotiating, sales, motivation, and biographies on American business people.I hope this list gives you the knowledge it has given me. If you learn and apply what you have learned from these books there is no reason that you should not become very successful.4. Attend a Real Estate Investing SeminarAttending a Real Estate Investing Seminar can be one of the best places to learn about real estate investing from some very well known experts. There are several seminars going on all over the country every weekend. If you live in a big city it will be very easy to find one. If you live in a town like Billings Montana you might need to travel a little ways to find one. Now most of the best meeting cost money to attend them. Some range from five hundred dollars for three days and some can be up to $20,000. There are a few that I would recommend. Than Merrill is a great speaker to go hear. I have learned a ton from him. You can find his company online by Google searching him. Also rich dad poor dad has seminars all over the country. I attended one of their seminars in Billings Montana for only $500 dollars and learned a ton from it. There is also Preston Ely, Larry Goins, and hundreds of speakers out there. If you find a great book that you really enjoyed, then just simple search for that person online and see if they are speaking somewhere or offer a seminar close to you.Another reason I recommend going to a seminar is because they get you pumped up and motivated. I have not yet found anything else that just gets you feeling like you can do anything. When you get back from one of these seminars you will have tons of energy and knowledge. Every time I get back from one all I want to do is going out and do a deal or ten.These seminars will also provide you with several opportunities to purchase amazing real estate investing tools, software or learning material at a fraction of the cost. Believe me when I tell you all of the low priced seminars try to sell you something. But a lot of times what they are trying to sell is some really good stuff.Another reason to attend a seminar is to network with other investors and build relationships with them. You can meet other investors who you can partner with on a deal, sell a deal too, people who will provide you with deals and so on. You should have hundreds of business cards made up and try to give them all out. You never know how much one business card you hand out can make you.5. Learn About the real estate market in your areaMost real estate investors start their career off my investing around where they live. This is why I do my real estate investing in Billings Montana. You can venture out when you have more experience. The reason behind this is because we feel more comfortable with the areas and know the areas better. It is also easier to get local real estate information that we need. Investing in your local market is also cheaper to start out, there is less travel costs, you can see what you are buying and it may give you a feeling a comfort.First you have to decide which part of town is the best place to invest in. This can be determined by what kind of real estate investing you choose to do. I have not gone over the types of real estate investing but some include rehabbing (fixing up and selling), wholesaling (finding deals and selling them to other investors), buying to rent, and there are a few others. These are the real estate strategies that I use for the most part. When looking at the market you need to see where other investors are buying their houses. Most of the best deals will be found in low to middle class neighbors hoods. By low I don’t mean drug infested war zones, what I mean is blue collar safe neighbor hoods that might have somewhat older houses and houses that are not on the higher end price side. Now you can find deals in the higher priced neighbor hoods but most will be in the low to middle income neighborhoods. When looking where others are buying ask local realtors, other investors or appraisers.When talking with investors ask them several questions such as what neighborhoods they prefer, what type of houses they buy (3 bed 2 bath), and what they do (rehab, rent, wholesale). You should not look at other investors as competition but try and work with them.There are different types of markets such as appreciating markets, flat markets, and deprecating markets. Appreciating markets are markets that there is no enough houses or a very high demand for houses which causes the price of houses to go up. The reason there is a high demand for housing can be because of job growth, a very appealing area, or several reason. Flat markets are markets that have no or very little growth. This means that there is not a lot of demand; buy just enough to fill every ones needs. Depreciating markets are where there is a lot more houses than people to fill those house. This causes house prices to start going down. This can be because of a large employer leaving the area, a natural disaster or just over building. There is an old saying buy in a bust and sell in a boom. In depreciating markets you can pick up several deals, while in appreciating the house prices are going to be much higher and harder to find great deals. The deal will still be out there you just have to know where to find them.Learning your market is another key to becoming successful. Real estate Brokers and experts in your area can be the best source of information for you. Learn to use them to find out what kind of market you are in. If you are in Billings Montana we are in a pretty stable market. Billings Montana has not seen the ups and downs that other markets have experienced. I will have to say that I have been noticing a little bit of a downward trend but not much. Once the first time home buyer credit is over with we might see a little more decline. Every market can vary by neighborhood, so make sure you know you market well. I have seen the same houses just one mile apart selling for totally different prices.

6. Find a MentorHaving a mentor to help you can be your biggest learning experience. Mentors can help you with any questions you may have, walk you step by step through the investing process, give you moral support, you learn from their proven system, and also network you with others in the business. Every successful real estate investor that I know says they owe a lot of their success to the mentors they have and had in their lives. I have had one of the best mentors around, my father. He is teaching me something new every day and pushing me to become successful.When trying to find a mentor I would suggest network with the investors at your local real estate investors club meeting. There is a real estate investing club in Billings Montana that meets once a month. You can find information about real estate investing clubs in your area by searching for REA or real estate investors club then your area in Google. When you go to the meetings ask around who the biggest investors are. Then ask if you could get together with them sometime and discuss real estate investing. Ask them if they would consider working with you to get their career going. Offer your services as a bird dog. Bird dogs are people who go out find deals or leads about deals and give them to other investors. A bird dog gets from $500 to $3000 dollars depending on the deal. Make sure that you have a bird dog contract signed with the investors saying that if you find them and deal and they buy it that you get paid a certain amount of money. Being a bird dog helps you to build credibility with the investor and they are more likely to mentor you if you have something to offer them. If you would like to contact me with a question go to my web site Big Sky Property Solutions LLC.7. Your Real Estate TeamBuilding an effective team can make your life as a real estate investor a lot easier. You are only one person and cannot do everything or be an expert in every aspect of real estate investing. Going at a project alone can become one of the most frustrating experiences you will ever encounter. Many people have become frustrated and quite real estate investing because they try and juggle too many things. Make sure that when putting a team together you provide everyone with win-win opportunities. When someone knows that working with you is going to make them money they will put you as a higher priority on their list. But you have to prove it to them that you are the real deal.
People to have on your real estate investing team includeo Real Estate Agents ( find the top agent for volume of sales in your area and other agents who work with real estate investors)
o Real Estate appraisers (find an appraiser that has done a few hundred jobs or more and make sure they carry errors and omissions insurance)
o Real estate contractors (good rehab crews that can get the job done in a timely manner, have 3-5 crews and on every deal get 3 estimates done. Ask for referrals from them and make sure they are licensed)
o Real estate attorneys (every investor needs an attorney, they can help to protect your assets, make sure you find one that works with investors)
o A property management company (can manage your properties and will give you leads on property they are managing that might come up for sale)
o Title companies (take care of the legal process and make sure there are no liens against the property you are buying, choose one that does hundreds of closings a year)
o Home inspectors(charge about $400 but will give you a great inspection and could save you thousands in the long run)
o And your MentorAll of these people can help you in various aspects of real estate investing. You might find that there are a couple others that are keys to your business but this is just a list of a few.8. Just Do itThere is no better phrase out there then JUST DO IT! Once you have learned all you can networked with investors in Billings and learned real estate investing strategies there is nothing left to do but get your feet wet. There is no better learning tool out there then doing a deal. Once you have completed that first deal you will know what to expect and find out that it is not as hard as you thought it would be. You will have learned what you did right and what was frustrating. Take that experience and ask yourself what would have made it run smoother. Apply that to your next deal. Then the next deal will be easier and it keeps getting easier as you go. I will say that every deal is different from the last but that what makes this business fun. You have to be creative and always keep on learning and growing with your business.The average person never uses what they learn. Don’t be average apply your knowledge. When going out and doing your first deal act like you have done 1000′s of deals. The fastest way to change a habit is to act like it is true.Five keys for success
1. Specialized Knowledge
2. Tools of a professional
3. Have the mindset of a winner
4. Mentors
5. Money and the knowledge of leveraging it (you don’t have to have millions to invest in real estate, there are many strategies out there to use other people’s money, or no money at all)This is going to conclude this article about getting started in real estate investing. I hope this gave you some ideas about how you can get started. I didn’t give you any strategies at this point but look for some in upcoming articles. These are simple steps you can use to get started. If you read this article thank you for listening.

Worksite Wellness Coordinators – 3 Measures of Your Program’s Effectiveness and Success (Critical!)

May 16, 2017

The fact that less than 50% of the worksite wellness programs today conduct any type of program analysis or evaluation is a huge problematic issue. You can better manage and improve what you measure. And you do want to better manage and improve your program as needed, right?Essentially, there are three broad areas within your wellness program that you can evaluate. They are: program structure, how the program is being delivered and the program’s expected outcomes.Program StructureResearch has found that effective, successful worksite wellness programs are well-designed and comprehensive in their approach. Therefore, an assessment of a program’s structure focuses on whether key structural components are in place. To assess your program, you need to ask yourself the following questions:1. How committed is your organization’s leadership to the program?2. Are your programming and interventions based on the needs identified by your comprehensive, organization-wide needs assessment?3. Are your programming and interventions aligned to the demographic and health status characteristics of your target audience?4. Are the topics covered relevant to your target audience?

5. Are your programming and interventions evidence-based?6. Do coherence, consistency, and integration exist between the various components of your program?7. If you use incentives, does the value equal or exceed the requirements needed to obtain the incentives?8. Are your incentives appropriately designed for their intended purpose?9. Does your program have sufficient resources allocated and is the staffing adequate?10. Are the necessary organizational factors important to success integrated into the program design?11. Is the program seen as being a permanent, integrated feature of employee benefits?12. Is the program aligned with the culture of your organization?13. Is there an evaluation infrastructure in place for tracking program impact and outcomes?Program DeliveryEvaluating your program’s delivery is typically called a process type of evaluation. A process evaluation typically examines how well your program is being implemented, if implementation is going according to plan and how the operation and delivery systems are working out. Program delivery evaluations also examine if feedback is routinely being provided that will allow for any necessary or needed changes to occur.Questions to ask relevant to process evaluation include:1. Are the programs reaching and engaging your desired target audience?2. How many participate?3. Are participants completing the interventions?4. Are participants advancing in their readiness to change behaviors?5. Are participants becoming more engaged in improving their health?6. How satisfied are participants with the program?7. Are the programming and interventions relevant to their needs?8. Is the program being delivered in a similar way across all locations or workplaces?9. Are communications and branding strategies getting the attention of the target audience?10. Do the programming and interventions yield sustained participation over time?OutcomesEssentially, measuring outcomes is determining if your program is achieving its desired purpose, goals and objectives within a given timeframe. Typically, evaluation of outcomes is the primary concern of the employer and program staff or vendors. Are their expectations being met?

The expected outcomes may differ from organization to organization, but typically fall into one or more of three categories: improvements in the health, safety and well-being of program participants, cost savings (generally viewed as being health related cost savings), enhanced individual and business performance metrics and an overall healthier organization.Speaking of outcomes evaluations, it is important to note that conducting a rigorous and credible ROI analysis is time-consuming, expensive, and requires a high level of expertise in statistical analysis, health services research, econometrics, and benefit plan design. An ideal measure of ROI would be to measure costs and savings associated with each program component separately.Measuring the value a worksite wellness program delivers is a much better and more easily doable strategy for most employers. Monetary value is just one type of value measure. This broader value view allows the worksite wellness program to be seen in light of the full value it can bring to the employer and the improvement of the target audience’s health and wellbeing.

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