December 31st, 2008
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“Successful Selling is more Than Personality:’Boy, can they talk! Boy, can they sell!’ “
Many more can talk than can sell. Did you ever hire someone because they sounded so great – presented themselves so well – you thought they could do anything? But six months later, you’re tired of hearing how great they sound, you just want some results? Why? What went wrong? To answer completely, there are two areas that need to be addressed: 1.Behavioral Style. 2.Knowledge of Selling. Behavioral style refers to the behavioral elements of selling a particular product for a particular company to a particular client base. These elements include: •aggressiveness •cold-call reluctance •extroversion •multi-tasking •rules compliance •natural enthusiasm •self starting tendencies •servicing •paperwork •tendency to detail •product information •customer relations •consistency •follow-up and follow-through •tendency to listen. It takes a very different style to sell computer parts directly to computer engineers than it does to sell computers to the general public. Similarly, to close the sale to a rural, easy-going, family-oriented type buyer requires considerably different style than closing the same merchandise to a fast-talking, hurried, bottom-line oriented urban buyer. By analyzing what you’re selling, who you are selling for, and who you are selling to, a company today can articulate the customized behaviors optimum for their situation. Salespeople can then be hired whose natural behaviors are ideally what you are looking for. Those salespeople who are not exactly ‘natural’ in these behaviors will nevertheless benefit tremendously from understanding just what behaviors are best to role-play, or emulate, to excel for your company.
Knowledge of Sales is totally different then one’s behavioral selling style. You may have the right personality style – the right mix of extroversion, aggressiveness, empathy, etc. – but do you know what to do and say in the selling cycle: when to ask for the close, when to remain silent, what strategy to use, and when to use it. There is no College of Sales, or BA of Selling. Most sales training programs, in effect, give technical training, but very little in the art of selling. Likewise, the tools for measuring these Sales Skills are different. What are the best things to do and when? These elements include how to: •Prospect •Qualify •Probe •Impress •Demonstrate •Influence •Close. To communicate more effectively with a customer, you may be required to adjust your natural behavioral style. These adjustments may cause stress or require additional energy. “Pumping up” to get more motivated and enthusiastic than one normally feels requires focus and energy. On the other hand, stress occurs when the results-driven aggressive salesperson has to slow down, listen more and show patience to slower-reacting people. That is why sales knowledge – knowing exactly what to do – is extremely helpful to minimize the extra stress or energy required to adjust behavioral style. Advantages include shortening the sales cycle, reducing stress and closing sales more often!
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December 31st, 2008
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Three years ago, Paul left his corporate job to launch his freelance writing career, and he’s done relatively well. He has a group of regular clients that keep him going, and they are happy with his work.
When he first called me, he expressed concern over the sustainability of his business. “Even though I’ve got great relationships with my clients, and they send me enough assignments to keep my business going, I have this nagging fear of losing them.
If I lost one or two at the same time, I would really be in trouble. I really don’t like feeling this vulnerable. I don’t feel like I’m in control of my own business.”
“Okay, let’s say that happened,” I prompted him. “How long would it take you to get each new client to take their place?” “I’m not sure,” he stammered. “I don’t really keep track of those things. I’m scared to even think about it.”
“But that’s why we’re working together. So you can look at these aspects of your business. So you’ll be prepared for the unexpected. I know it can be scary, so let’s look at it together.”
Paul and I continued to discuss this topic during our next four coaching calls. During that time, he plotted out his prospecting process, developed a system for tracking leads and prospects as they traveled through the system, and created a spreadsheet that showed him the status of each prospect at any given time.
With these figures, he was able to calculate how many leads he needed to generate in order to meet his sales goals. As a result, he now feels much more in control of his business and knows exactly what he must do in order to ensure his business’ survival.
None of us can predict when a client will move, lose money they budgeted for our services, take our function in-house or choose another vendor, but we can prepare ourselves to respond to these types of things so they have the least amount of impact on the viability of our business.
Do you know how many leads you have to generate in order to get a new client? 5? 10? 25? 50? Although industry guidelines may be available, what you really need to know is how many prospects YOU have to approach in order to get one new client.
Knowing this number tells you what results you need to be getting from your marketing efforts and knowing that tells you whether or not your marketing efforts are sufficient to reach your annual sales goals.
Let’s say you want to increase your sales by $18,000 over the next 12 months, and you know that, on average, each client spends $1200/year with you. That means you have to bring on 15 new clients in the next 12 months ($18,000 divided by $1,200).
Note that you’ll need to go into more detail in order to calculate your own numbers since in this scenario the average client spends $1,200/year with you, but if you don’t bring him/her on until 6 months from now, you’ll only be making $600 in the 12 month period we’re looking at. But let’s run with what we’ve got for the purposes of this example.
So you have to bring on 15 additional clients. If you also know that you have to generate 10 qualified prospects for every person that becomes a client, then you’ll have to generate 150 additional prospects this year (15 clients * 10 qualified prospects).
Therefore, in order to generate $18,000 more in sales you need to come up with some marketing methods that will generate 150 additional prospects above and beyond those you are currently generating.
Although this is not an exact science, it does give you some numbers on which to focus in order to make your progress toward your goal more measurable. This measurability allows you to chart your progress throughout the year which, in turn, increases the likelihood that you’ll reach your goals as you are able to make mid-course corrections.
It worked for Paul, and it can work for you!
So, now’s the time to ask yourself — are you filling your prospecting funnel?
For the first three years of my web design business, I just took what came my way. I did what I thought would bring in business and waited for the results. I did very little analysis of the process, so I was never able to predict what activities I needed to do in order to get my desired results.
A few years ago, a management consultant introduced me to the idea of the prospecting funnel. It’s a way to track your prospecting process so you know how many prospects are in each stage at any given time.
Over time, you are able to predict how many prospects you need to generate in order to produce one new client. This helps you set realistic sales goals, plan effective marketing efforts and budget sufficient marketing dollars.
On a blank piece of paper, draw a large funnel taking up the whole page. To the right of the funnel, starting at the top, write the first step of your prospecting process (for example, first contact with prospect at networking meeting, cold call, web site query, etc.).
Below that, leaving a little space between the two, write the second step of your prospecting process (for example, scheduling a meeting). Continue writing the subsequent steps of your prospecting process, one below the other, until you reach the bottom of the funnel. The last step should be the one where the prospect becomes a client (for example, you receive the signed contract back with a deposit check).
Now, go back to the top of the funnel and for each stage that you identified, write how many prospects you have who are currently at that stage. Write these figures inside the funnel. If you have room, you can write the names of the prospects that are at each stage.
Now, you may want to create a spreadsheet that helps you track when the prospect entered your system, when they hit each stage and when they became a client. You can use the first column to write prospect names and other columns to write each prospecting step. Then, each row, reading from left to right, can show what date the prospect entered each stage of your prospecting process.
Over time, you’ll be able to come back to your spreadsheet to calculate the number of prospects it takes to generate one new client and the amount of time it takes, on average, to convert a new prospect into a customer.
Once you’ve refined your prospecting system and funnel, you may want to create a giant version of the funnel on a flipchart where you can write each prospect’s name on a sticky note and move them from one stage to the next.
It can give you a great visual of your current prospecting status and show you what areas need your attention.
About The Author
Kimberly Stevens is the author of the ebook series, *The Profitable Business Owner: A Step-by-Step System for Starting & Running a Successful Service Business*. Download Sample Chapters & get her free MiniCourse, *The 10 Most Common Mistakes Business Owners Make & How To Avoid Them* at: http://www.askthebizcoach.com/ebooks.htm
kim@askthebizcoach.com
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December 27th, 2008
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Businesses compete in the real world with core competency. The core competency can be, for instance, excellence in design and low cost manufacturing. The purpose of businesses is to satisfy customers. Businesses, with its number of functions and process flows, have to add value to the product in order to satisfy customers. The satisfaction of customers is attained by providing value for money experience.
The value addition in each stage of the process flow is dependent on the cost of that particular process and the perceived value addition. If the cost exceeds the perceived value or the perceived value is not significant, businesses have to look at that process. Outsourcing is one of the ways to solve a business problem. It is a process by which a process flow is given to the third party, thereby utilizing the resources for any other value added activity.
The value addition in purchasing depends upon the criticality of the items purchased. In the Bill of Materials, usually 80% of the items are recurring and non-critical. The remaining 20% of the items are critical because of their high cost-low volume nature, which means large inventories are not necessary. In industries such as automobiles, where early stage supplier involvement is necessary for design and modular manufacturing, outsourcing of purchasing will not make sense.
Outsourcing saves cost by eliminating costs of purchasing such as processing and labor costs. This is possible for the third parties because their core competency is in purchasing and they excel at it. Some of the outsourced activities are proposal management, contract management. Proposal management includes preparing proposals, bids and qualifying bidders by inviting bids for projects. Contract management helps manage third parties who provide non-critical items such as office supplies, prepare contracts and negotiations.
Outsourcing works well in private as well as government enterprises. Most of the service providers have consulting services and purchasing services. Their fee structure is based on flat management transaction fees and/or retainer fees plus profit sharing on the savings accrued.
Purchasing Software provides detailed information on E-Procurement Software, Purchasing Consultants, Purchasing Management Software, Purchasing Outsourcing and more. Purchasing Software is affiliated with Free Budgeting Software.
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December 27th, 2008
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What have we got when we don’t have self-esteem? How do we know we’ve got it? Is it taught to us as children? How do we get it? Are we born with it? Many many questions that only through awareness of our inner selves can we ever know the answers to.
Self-esteem is a bit of a buzz word yet certainly a jewel to possess. Without it we cannot be who we truly were destined to be. All our gifts and talents cannot be realized because we don’t think we deserve to prosper, low self-esteem. If we do not value ourselves above EVERYTHING else in this world we are like a ship out at sea with no rudder. We bob along allowing the wind to take us any which way it blows. Now that might sound exciting but who’s in control of the ship? The wind is of course, do we want someone or something controlling our destiny.
Self-esteem says “I am worthy”, “I deserve as good as anyone”, “I like myself and if you don’t like me well that’s your rightful opinion, I can’t please everyone”.
The easiest way to obtain this jewel is to be taught it from the moment we’re born by our parents, however if they haven’t got it, HOW CAN THEY TEACH IT? Sadly this is the case with a majority of parents; they do their best with what they were taught and pass it on down the line to us. Now being born to young parents whose parents didn’t teach them to love themselves can be a challenge, for the individual as well as society as a whole. How many people do you know whose parents taught them to truly value themselves and be true to their own heart and not please others over themselves?
What will people think? I hate those words. Who gives a stuff what other people think? If I honestly know what’s best for ME. How much of our lives have we wasted putting ourselves down in our heads. All day our mind chatters away with many ideas, thoughts and opinions. What do we say about ourselves to ourselves? Have you ever stopped to listen?
Self-esteem actually defines the difference between a successful person and a loser. Successful people believe they deserve the very best, that they’re worthy of the very best that life has to offer. A loser believes and tells you “nothing really good happens to me ’cause I’m not worth it”.
If our parent’s didn’t teach us to love ourselves, we have to do it. In a way we have to re-parent ourselves with our own self talk. We have to pat ourselves on the back, not wait for someone else to do it, because they just might not.
When we continually cut ourselves down you can bet we’re pretty good at cutting others down. When we respect ourselves and allow ourselves to make mistakes we’ll allow others to do the same.
I believe it’s a fact that “if you don’t love yourself you cannot possibly love another”. I know that might seem untrue to you but hey, THINK ABOUT IT. You’re the closest person you know, and how you treat and value that closest person to you (yourself) is your example of your ability to love another.
The jewel of self-esteem is within all of us; it has to be mined out. We have to dig very deep in some cases and its dark in a mine. Its cold at first, it’s never been excavated before. Is it new territory which can seem scary and a little painful when you are working hard to find your prized possession? Once found though it’s yours to keep, you will never lose it as it only has YOUR name on it.
When you show it to others, it shines beautifully and they all want to know where you got it from. Some will follow your example and go mining themselves; others may tell you they don’t have a mine. Some might tell you it looks ghastly but that won’t worry you because you’ll know it’s the most magnificent thing you have ever possessed.
The jewels sparkle never dims, even through the hard times. Our boat has a rudder now and the wind can only take us off course a little bit, only now we know and are only too aware, that we are the captain of the ship.
Monique Louise Hill
http://www.wounded-healer-support.com
Monique Louise Hill is happily residing on the Gold Coast, Queensland, Australia. As the Director of Motherlode Pty Ltd my story is one of rags to riches in the spiritual sense. Spiritually and financially bankrupt as an alcoholic/addict 8 years ago I have worked my butt off to overcome the emotional and spiritual immaturity that addiction clouded. A talented Singer and Entertainer as well as an Astrologer I have since completed a ‘Diploma in Christian Ministry’ and then a ‘Certified Life Coach and Business Diploma’. I now spend my time sharing my journey with others to Support and Encourage those who are seeking to live happily in this lifetime, with purpose. My vehicle is http://www.wounded-healer-support.com and speaking engagements in Australia Nationally. I love humanity and have a child-like idealism that maybe is untimely in this materialistic pained world. An optimist at heart that desires only to be my potential in this lifetime. In love and service Unique Monique…
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December 27th, 2008
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Well it took the FTC some 2-years to devise a plan to stop SPAM, then they came back with definitions only. SPAM went from a nuisance to a major problem and even with the Presidents CAN SPAM Act the FTC was impotent to enforce it. They filed some 60-cases, but SPAM comes from all over the World and people still get 200 per day, although most commercial filters get rid of a good percentage. Of course that was not the FTC that did that, it was Free Enterprise.
Now there is a new thing Called SPIT (SPAM over IP Telephony) which threatens to overwhelm VoIP Networks. The FTC where are they now? Probably in some back room playing with them selves after falling for one of those Viagra generic drugs from Canada online pharmacy SPAMs? Looks like more SPIT on face of Federal Trade Commission.
So far due to the FTC’s failure to keep up with industry and never actually finishing anything they start now we have SPAM, SPLOGS, SPIT, phishing and pharming? A person might get 100 SPITs a day on their VoIP system and render the system literally useless to users by causing disruptions in their phone service? So much for a Do Not SPIT List, it will take the FTC nine months just to define what S.P.I.T is, but they will not have to look far as it is not egg on their face, why it’s SPIT. So, think on it.
“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/
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December 26th, 2008
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Being exceptional – unusually skillful, smart, creative or otherwise more capable than the norm – may include a judgment both by others and ourselves as being an “outsider.” Gifted and talented people can experience a self-defeating aversion to expressing talents that might separate them from other people. Girls and women may be especially sensitive about fitting in, and deny their capabilities, find it hard to recognize and embrace their abilities, and have a low sense of entitlement to be exceptional.
In her book “The Sound of a Silver Horn: Reclaiming the Heroism in Contemporary Women’s Lives”, Kathleen Noble points out that primary religious and secular myths, including stories from Beowulf to the Brothers Grimm to Disney, idealize women “for their modesty, beauty, chastity, piety, obedience and selfless performance of domestic duties” and perpetuate stereotypes that make it “extremely difficult for women to be seen as strong, resourceful, courageous, and real, the ingredients of true heroic stature.”
Dr. Noble cites the power of a specific example: “‘Mirror, mirror on the wall, who is the fairest of them all?’ This is the question that opens the tale of Snow White, one of Western culture’s most enduring heroines; it is the question that forms the core of most quest stories written for women and girls, and it is the question that serves most forcefully to blind us to our strengths.”
Quoting writer Carolyn Heilbrun, Dr. Noble says women need a hero myth that inspires them “to take risks, to make noise, to be courageous, to become unpopular” and notes that a woman “to live heroically must belong to herself alone; she must be the center of her own life to pursue a wholeness or integrity that is fluid, inclusive and interconnected.
The task of being a “fully functioning female human being,” she notes, “is a formidable and heroic challenge because a female hero must insist upon herself, something that most women are neither taught nor encouraged to do.”
Dr. Noble also writes, “There comes a moment in each quest cycle where a woman finds herself poised on the brink of transformation… the pivotal decision to embark upon an extraordinary journey of self-discovery… each quester who wins her way through to the portal of transformation must discard some part of herself in order to create a larger self and give birth to her own possibilities.”
In Heilbrun’s book “Writing a Woman’s Life” she refers to an essay (“Selves in Hiding”, 1981) by Patricia Spacks, in which she evaluates the autobiographies of Emmeline Pankhurst, Dorothy Day, Emma Goldman, Eleanor Roosevelt and Golda Meir: “each a profoundly radical individual, responsible for revolutionary acts and concepts… Although each author has significant, sometimes dazzling accomplishments to her credit… to a striking degree they fail directly to emphasize their own importance, though writing in a genre that implies self-assertion and self-display.”
Heilbrun notes “These women accept full blame for any failures in their lives, but shrink from claiming that they either sought the responsibilities they ultimately bore or were in any way ambitious.
“Day, for example, has what Spack calls ‘a clear sense of self – but struggles constantly to lose it.’ All these autobiographies ‘exploit a rhetoric of uncertainty’… And in all of them the pain of the lives is, like the successes, muted, as though the women were certain of nothing but the necessity of denying both accomplishment and suffering.”
Mary Rocamora (director of the private Rocamora School in Los Angeles) notes that many women have unwittingly lost much of their authenticity to over socialization: “Doing what we should is programmed into us at an early age. You may find yourself trapped between two identities: the ordinary self that habitually and unquestioningly yields to the expectations of others, and the gifted self that must have time and freedom to devote to your talents.
“This presents an even greater challenge for gifted women who are in the early stages of self-recognition and personal development. Women in our culture are raised to be care-givers, and as such, their identity and self worth are defined primarily by that role.”
Rocamora also thinks that for most women, “it is a major psychological achievement to shift their primary identification and sense of worth to the development of their talent. Not only is it threatening to the woman, but often to friends and family who are used to being put first.”
Psychologist Matina Horner, in a 1969 report on her doctoral dissertation research, identified what came to be called the Horner Effect, or Fear of Success syndrome: that women characteristically underachieve when competing against men.
In her book “Smart Girls,” Barbara Kerr notes that this pattern may have lessened in the past twenty years, but “the Horner Effect may still live on in girls’ and women’s tendencies to negotiate and avoid conflict or competition when friendship or intimacy is at stake… Since they are astute, gifted girls become sensitive to the conflicts for women in competitive situations much earlier than average girls do… Terman’s studies show gifted girls and women have an even stronger need to please others than average women do.”
Another indicator of entitlement, in terms of having a political or moral “right” to being heard or recognized, may be the so-called “feminine speech” style identified by researchers such as psycholinguist Deborah Tannen, with verbal characteristics distinct from a more typically masculine one, including a greater use of verbal tags such as “…don’t you think?” or “That is a good idea, isn’t it?”, and a rising inflection placed on the end of declarative statements.
These differences are observed in heterogeneous, mixed gender groups, but both males and females initiate the “feminine style” at the same rate when they are in groups composed of only their own gender. Perhaps women feel somewhat more entitled to be authentic and forthright in groups with only women present.
The creative contributions of gifted and talented women are needed more than ever, by women willing to be “improper” if that’s what it takes. Standards, rules and expectations about creative work, often defined by men and male institutions, can limit what women feel or perceive they are entitled to be.
Academy Award-winning actor and screenwriter Emma Thompson commented in an interview that “A lot of the criticism about my comedy work by men has been “I think you’re marvelous, but you just can’t do that.’ They think I should be attractive, do serious drama; they’re threatened by a moderately good-looking woman who tries to be funny as well. We are taught to take women only on a very few levels.”
Perhaps characters such as Sydney Bristow in “Alias” [played by Jennifer Garner]; Shu Lien in “Crouching Tiger, Hidden Dragon” [Michelle Yeoh] and Mackenzie Allen [Geena Davis], the first woman president, in the tv series “Commander in Chief,” may be helping create new myths and role models of heroic, self-aware and confident women who are able to more fully realize their many strengths and talents.
Douglas Eby writes about psychological and social aspects of creative expression and achievement. His site has a wide range of articles, interviews, quotes and other material to inform and inspire: Talent Development Resources
http://talentdevelop.com/
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December 26th, 2008
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In spite of the fact that the Property Index is actually a new kid on the block organisation, having been registered in March 2007, they have achieved expert status very quickly. Actually, they are a unbelievably undemanding organisation focusing entirely on counseling every client dedicated to sell, buy, rent or let real estate in most popular areas of the world. What they agree to do is offer you assistance to locate exactly what’s called for fast and easily.
Real estate is up for grabs all over the world now, one of the coolest areas being real estate on the market in Dubai. It’s dead easy to specify the fantastic properties you can purchase in Dubai, the motivation for picking property here is property on the market and the fun chance of living together with this strenuous people. It is one of the most popular regions now, and with the scenic beauty and sunshine that surrounds you night and day, how can you go wrong! Real estate in Dubai is very rich in history, culture and art, this part of the world has been and is still home to a good number of nations.
PropertyIndex.com make it easy to find property in Dubai, whether you are looking for a villa or an apartment, they can help you find the right property.
Some one generation ago you would find merely a trickle of Britons looking for properties in Dubai. Just ask any one single person who has chosen to move to Dubai and they’ll certainly back this up. Quite a few people would insist on seeing it as a short-lived fashion and others insist on seeing it as a more or less a fetish. People willing to move to this area range from young couples in search of an exciting new challenge to pensioners looking to settle down and enjoy themselves. Note that there might well be bugbears when looking to purchase properties abroad – it stands to reason that there are a million heterogeneous, pretty complex, procedures when organizing, inspecting or finalizing the deal. Even if but a single step is missed this is liable to definitely give rise to overwhelming bugbears plus, even more importantly, a financial trouncing.
Naturally, as is to be assumed with this popular destination, properties can be extraordinarily high-priced in this area and that’s only on account of the steep market demand. However, real estate buyers really are spoilt for choice in a region so richly blessed by fantastic site. Really it can boast all, stock and barrel, any of us may possibly want and then some.
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December 25th, 2008
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Much has been said about ways to improve your life. Perhaps you’ve already tried different approaches, some that helped and others that didn’t. One thing that is irrevocably true is this: anything utilized to improve your life must have its origin in love, for love is all there is! I have discovered one empowering tool that is required for life to flow in perfect harmony no matter what happens in your external realm. It can literally transform your life into one of abundance and continuous bliss because it resides in the arms of love, a really great place to live.
For many decades I lived my life through the eyes of lack, believing there was never enough: not enough money, love, happiness, time, energy and so forth. Lack is simply a by-product of fear (the opposite of love) although I didn’t realize it then. I noticed that most individuals who crossed my path lived through the same mindset and there seemed to be so much negativity in everyone’s life which was downright depressing. But like most people, I fell into the trap of pushing and driving myself to achieve and produce more so I could have what I thought I lacked. That process tore down my health and created an insatiable thirst for what I didn’t have, leaving me miserably unhappy. My thought is that you probably understand this belief.
My life journey continued in the search for the missing things in my life yet wondering if I’d ever find them. I learned how to make more money but somehow it was never enough. (I rationalized the lack was due to raising five children) I tried for years to “fix” my marriage, but that didn’t work either. I changed careers, introduced healthy alternatives to improve my health, researched and studied many new ideas and decided to be a more loving person. I introduced time management and added a “things to do list” to my daily routine in the attempt to reduce stress and accomplish more. But no matter what I did to enhance my life that inner despair which told me something was lacking still existed. These things did help in external ways to improve my life, but I later learned the problem was with my internal self.
One day I began to see a faint glimmer of light as teachers appeared because I, the student, was now ready. New ways of thinking were introduced which began a tremendous shift in my very foundation. An expansive metamorphosis took place and my life opened up in ways that were mind-boggling. I learned that happiness came from within me and wasn’t anybody else’s job to create but mine. I discovered my true life purpose and began to live it. My health improved and I made changes that supported me rather than someone else. Yet negativity remained in my life because I knew deep inside something was still missing.
Several years later the awareness of what was missing in my life was revealed to me through meditation, prayer and study, and it was so simple that it surprised me. One feeling, once taken deep within so that it becomes part of you, will literally change everything in your life so that your entire perception of life shifts for the better. What is this feeling? Gratitude. I mean gratitude for everything, not just the good things but also the things that appear as challenges. Everything in your life is a gift, a truly marvelous gift that helps you grow and become more. When you actually see life through the eyes of gratitude it raises you up beyond what was envisioned before in truly miraculous ways.
Gratitude is an expression of love and is a top-of-the-list tool for empowerment. In fact, without the comprehension and acceptance of gratitude it is impossible to be empowered. The universe provides unlimited abundance which is available for everyone. But if you don’t believe this you actually push it away from you. Beginning with gratitude for all you presently have and are opens the channels of love to embrace you. This isn’t merely the use of the words, it literally means pulling the feeling of gratitude inside so that your life begins and ends through gratitude. In this place it doesn’t matter what appears in your life because you can gratefully accept it and trust the universe to provide the resolution. Gratitude means there is always enough, and when your truth is gratitude in all things it emanates outward to all who are in your presence because you feel it within you.
How does living through gratitude affect your life? It allows you total freedom to be love. In this place you are already okay, a masterpiece from the designer of the universe, which makes you magnificent right now, just as you are. The beauty of living in gratitude is that as you focus in this energy you continually expand it to create more of the same. Thoughts are pure energy and whatever is your focus shows up in your life. As you express your thoughts and feelings from the higher elements of love, only more of the same comes back to you. Gratitude expresses through the essence of love. As Plato once said, “A grateful mind is a great mind that eventually attracts great things.”
My truth says that in order to improve your life on all levels, simply develop the attitude of gratitude. But go a little deeper and develop an aptitude for gratitude. It then becomes more than just a thought or behavior and actually becomes who you are. Amazing miracles will appear in your life that will continuously keep you in awe of the power available to you when you live through gratitude, which is love. While many things can assist you on your path, gratitude is of God as an expression of love, your true essence.
Begin and end each day by thanking your Creator for everything: your life, home, material possessions, all relationships, internal gifts, capabilities, your body, and so on. Write them down, speak them, think them, live them. Even if there isn’t enough money to pay your bills at the moment, be thankful for the amount you have to pay the ones you can, then be openly thankful to the universe for bringing you the rest you need even though it isn’t seen yet. When a challenge shows up say “Thank you,” and know there is a gift in it. Also know you are greater than that challenge and expect the universe to resolve the situation. Surrender the challenge and go about your life. It will be resolved effortlessly because you are in a space of love when you are grateful for it and know the answer is on the way. Living in the state of gratitude generates continuous abundance and bliss – no stress, no worries, no lack, no fear – and a deep internal knowing that all is in divine order. Try it out and I guarantee you’ll like living there! One more benefit – you’ll smile a lot!
Written by: Carolyn Porter, D.Div.
Carolyn in an Inspirational Speaker, Trainer, Wholeness Coach, Energy Facilitator and an Author of multiple books, audios and ebooks that include: “A Woman’s Path to Wholeness,” ” The Realness of a Woman,” “Healing with Color” and “Stress Free Living.” She also is Co-owner of a Health Store. For more than two decades Carolyn has helped individuals improve their life in many ways. Her passion is to empower individuals with their own magnificence and to know they can create their life as they desire with the power that is within them. We invite you to visit www.drcarolynporter.com for more about Carolyn
Carolyn Porter, D. Div., is an Inspriational Speaker, Trainer, Spiritual Wholeness Coach, Energy Facilitator, and author of multiple books, audios and ebooks. For more than two decades Carolyn has helped individuals improve their life in many ways. Her passion is to empower individuals with their own magnificence and to know they can create their life as they desire with the power that is within them. We invite you to visit http://www.drcarolynporter.com for more about Carolyn.
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December 25th, 2008
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Refinancing your home equity loan is simple when using online lenders.
By comparing loan quotes, you can find the lowest costing refi
solution. In addition, you can save time and hassle by completing your
application online. In less than two weeks, you can reduce your rates and
payments by refinancing your home equity loan.
Refinancing Options For Home Equity Loans
You have a number of options for deciding how to refinance your home
equity loan. The simplest method is to just refinance your current home
equity loan as a second mortgage.
The other option is to refinance both your first and second mortgages
to qualify for lower rates than if you just refinanced your second
mortgage. You also save on closing costs by paying lawyer, appraisal, and
other fees just once. In addition, the hassle of multiple applications is
eliminated.
However, combining mortgages is not always the best financial choice.
In some cases, refinancing separately will get you better rates. You may
also save money by having different terms on your mortgages. For
example, you may want your first mortgage for 30 years, but your second
mortgage for five.
Start By Comparing Numbers
To see real savings on your interest and monthly mortgage payments, ask
for loan cost estimates from lenders. For a quick search, look at the
APR to find the lowest costing refi package.
But to get a real sense of your savings, calculate the interest cost on
your current home equity loan and potential refi loan. Remember too
that there is flexibility with your refinancing. You can shorten your loan
to reduce interest or lengthen terms to reduce monthly payments.
Finishing The Refinancing Process
By looking online for your refinancing quotes, you have practically
completed your loan application. When you receive a quote, most lenders
provide an option to finish the application. This may mean submitting a
request online or completing a form.
Once your refinancing has been approved and loan contract signed, your
original loan will be paid off by your lender. You can start enjoying
your lower monthly payments in less than two weeks.
View our recommended lenders to refinance your home equity loan online.
Carrie Reeder owns ABC Loan Guide, an online resource with information about home equity loans online and low rate mortgage companies online.
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December 24th, 2008
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A need can crop up anytime. For instance, you want to purchase a new house, but you do not have sufficient amount of money. You cannot get the required amount by selling your old home as its buyer will take time. Bridging loans UK can make finance available for the purchase of a new property.
Bridging loans UK are specifically designed for the UK residents to cover the financial gaps. As the name suggests they are use to bridge the gap between buying and selling of a property. They enable you to purchase a new property prior to selling the older one.
Bridging loans UK provide an array of benefits-:
• Cover the financial gap
• Speedy loan approval
• Readily available
• Affordable rate of interest
Bridging loans in the UK are usually secured against the old property that the borrower would be selling in a few days. This property serves as collateral and ensures the lender that his loaned money is safe.
Due to the secured nature of bridging loans UK, the borrower must be aware of the open ended and close ended bridging. A close ended bridging is the one where the repayment source is available but the funds to meet the immediate requirement are not there. For example, the borrower has sold his old property but has yet not received the payment. In an open ended bridging, the repayment source is known but it is not certain. As the borrower is ready to sell his house, but there are no prospects of the house being sold.
The borrower of bridging loans UK can draw money up to £25000. For higher amounts the lender evaluates the equity stored in the property. The higher the value of the property, the larger will be the loan amount.
As bridging loans UK are short term loans, therefore they carry a high rate of interest.
The borrower of bridging loans UK has to pay the interest rate only till the time he does not sell the old property. Once the property is sold he can return the principal amount to the loan provider.
Bridging loans in the UK can be used to purchase residential or commercial property, land property, conversions or even overseas property.
People in the UK who have an adverse credit history can also avail bridging loans. There are lenders who are ready to offer you loans at reasonable rates.
Online lenders have made it easier for a common man to apply for bridging loans in the UK. All you need to do is just submit your details via a hassle free online loan application form. The lender will serve you with the finest loan deal within a few days.
Bridging loans UK are a quick solution to all your financial requirements. Opt for the loan and get instant finance.
Peter Taylor is a senior financial analyst at 24hrBridgingLoans with an acumen for finance and insurance.His articles are widely read because of the lucid manner of writing and thoroughly researched datas.To find Secured bridging loan, bridging loans Uk, personal bridging loans that best suits your need visit http://www.24hrbridgingloan.co.uk
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