Category Archives: Uncategorized

Someone Has More Skill Than Me

As a mechanic, I consider myself handy in a lot of ways, but I don’t know everything. Even if I don’t know everything, I’ll at least try to take a look at something to see if I can get it to work. Recently my HVAC system was giving me problems, and I took a look at it, but I wasn’t able to do much to it. I know a lot about cars, but I don’t know anything about repairing HVAC systems. The best thing that I could do was to find a company that could repair an HVAC near me.

It’s a good thing that I know how to use a computer, because a lot of people at my age don’t know how to do it. They’ve gotten to the point where they don’t really like computers because of how complicated they can be. Even if you give them a computer with an easy to use interface, they still have some trouble and will just give the computer to someone else to use. I learned how to use the computer many years ago, and since I use it every day, I never forget. I can even keep up with the latest computing trends. This allowed me to easily search for a company to look at my HVAC online.

The company I found was one from a website that lists all kinds of company reviews. You can see how well a company does with their customers, and then hire them based on that. I told them about my HVAC problem and they agreed to come to my home and see if they could repair it. They were able to locate a problem that had been putting the system in a broken state, and used a part to repair it. It was a fast job, and I think it might have been faster than the fastest repair I’v done on a car.

How to Start to Save Your Money Right Now!

You can start to save your money right now. Regardless of how much or how little money you are making today, you can still save a realistic amount if you learn how to handle your money wisely. It’s not usually your income; it’s how you spend your income that matters more in saving money.

How to Spend Less. It’s a simple equation to earn savings, your spending should be less than your income or your income should be more than your expense. To illustrate the equation: expense < income = income > expense. If you follow this equation in real life, you will always be able to save money.

But most of the times, reality is not as simple as following the above equation. Many people find themselves buried into financial quagmires as they cannot keep their spending lower that what they actually earn as income. For this, these people easily point to their income as responsible when in fact they have more control over their spending to save money and be freed from debts.

Here are some tips and techniques on how to spend less and earn more to save your money:

• Use coupons when you spend money to buy what you need. These coupons can give considerable discounts from the foods that you eat to the items that you buy. There are several places you can find these discount coupons but the most convenient is to get them from the internet.

• Shop online where you will not only have a wide array of choices, but you can also easily enjoy the best deals. You’ll save yourself from impulse the buying and the pressure coming from the sales persons who can sweet talk you into buying the item.

• Save your loose coins. There are people who do not mind losing their loose coins; or parting with their spare changes. Learn how to appreciate and give value to these coins as they can enable you to achieve your goals in the future. You can put your loose coins in a piggy bank or a sealed glass container where you can only drop the coins and not get it until it’s filled.

• Use internet technology to your advantage. The internet has evolved to become a huge market place where everything you need can be found. It can also encourage you to start saving money as now you do not have to worry about time and effort in going to the banks or financial institutions to deposit your savings; you can easily do the transaction online.

• Explore the money making opportunities that are available online. You can earn money part time from the internet or you can even establish an internet business that will allow you to earn passively from it. You can then set aside your online income as your savings.

Spending less does not mean you’ll deprive yourself of the things that you need or even the things that you want. You can enjoy a little luxury or two with your money as long as you use your money wisely and stay within the normal balance of the equation.

It also helps to explore income-generating opportunities to increase your savings. There are several opportunities online where you can earn more and save your money.

The Three Biggest Lead Generation Mistakes Small Businesses Make And How To Overcome Them

If you’ve been looking for simple, proven and tested, step-by-step methods for generating more leads for your small business, then this article may just have the answer. Firstly, I want you to stop for a moment and think about all the advertising you’ve seen over the past week.

How many of those actual ads can you name? Researchers estimate that over the past seven days, you have been exposed to as many as 117,000 ads based on national averages. So out of 117,000 ads, how many can you name?

If you’re fairly attentive, you may be able to come up with 3 or 4 specific ads… but I’ll bet that’s because you probably see those ads over and over… week in and week out. Let’s face the facts… repetition works. When you see any advertisement multiple times every day you’re bound to eventually begin to recall the ad. But now answer this question.

What few ads you do remember, how many of their products or services have you bought? Because I have a passion for marketing I tend to go online and research for well accepted ads. Take for example a series of ads from online trading company E*Trade which uses babies to promote their products. These have a massive audience on both TV and YouTube. They even had one during the Superbowl. I think they’re a scream. But… I don’t have an E*Trade account. Never have, never will. Why should I?

What benefits do they offer me as a potential buyer of online trading services that any of the hundreds of other stock trading services offer? See my point? Does a smart-aleck, wise-cracking baby have any relevance to online stock trading whatsoever? Of course not. So why does E*Trade continue to make these commercials? Believe it or not, there is a reason… and by the end of this short presentation, you’ll fully understand what that reason is.

Businesses today are led to believe that all they have to do to build a successful business is create some type of attention-grabbing form of marketing and they will generate leads at will. Nothing could be further from the truth. And that’s just in the area of marketing. What about generating fast cash flow? EVERY small business needs to generate fast cash flow. So how do you do that as a small business owner? What about generating profits? Generating more cash flow is great… but not if you don’t get to put any of it in your pocket at the end of the day. How would you like the answers to all of these problems?

In this article I am going to reveal to you the three biggest lead generation mistakes small business owners make… and outline how you can overcome them.

Here are the three mistakes. Mistake #1… they fail to get professional help. Mistake #2… they don’t know the fundamentals required to successfully market their business and attract as many new clients as their business can handle. And mistake #3… they have no idea how to use their marketing to generate immediate cash flow. Let’s explore these three in depth, and show you how you can easily and systematically overcome each one of them.

Mistake #1… small business owners fail to get professional help. Can you name me just one professional athlete who does NOT have a coach? There aren’t any. Tiger Woods actually has a total of 9 coaches guiding him in everything from his golf game to his financial investments. But do small business owners really need professional help? Remember the TV ads we previously discussed? Those ads are created by “professionals.” Unfortunately, those professionals have no clue what they’re doing. Everything they’re doing in marketing and advertising today is wrong! But let me prove that to you right now.

If you currently use any form of marketing such as a print ad, brochure, postcard, flyer… or for that matter… your company website, take it out and look at it carefully. And if you don’t have any form of marketing right now, take out a sheet of paper and sketch out what you think would make for an effective ad for your business. It doesn’t have to be anything formal or fancy… just create a basic outline of the ad and where you would locate the various elements on the page.

Now that you have your ad… or a mock up of your ad sitting in front of you, let me provide you with the little known secrets that produce more leads than your business can handle. 99% of all marketing professionals DON’T know the lead generation secrets I’m about to reveal to you. This information is so powerful and compelling, it will position you in the top 1% of all lead generation professionals today. This example will show you why every small business owner should acquire our step-by-step roadmap as they start to generate leads for their business.

Here’s what a true marketing professional will know… and help you implement into your marketing. It’s known as the “marketing equation.” This marketing equation will let you quit competing on price… and let you start selling your product or service for what it’s really worth. You will drive in more leads and increase your advertising response by 10 to more than 100 times. You will convert a higher percentage of those leads and dramatically increase your number of sales. You will get a bigger bang for your marketing buck. The bottom line is this you will literally create a profit faucet that you will have TOTAL control over.

First, you MUST understand what marketing is supposed to do. Its purpose is actually three fold. Its first job is to capture the attention of your target market. Second, it must give them the hope that reading or listening to your marketing will give them enough information to help them make the best decision possible when buying whatever you sell. In other words, train and teach them how to recognize the true value of your product or service… and conclude that you… and you alone… offer the best value versus your competition. Marketing’s third job is to lower the risk of taking the next step in the buying process… and if necessary… continue to educate the prospect regarding the value you offer.

Marketing that accomplishes these three objectives will result in your prospects and customers coming to one single conclusion, that they would have to be an absolute fool to do business with anyone else but you, regardless of price. It’s estimated that as many as 96% of all small businesses fail within their first 5 years. The main reason for this tremendously high failure rate has to do with the lack of expertise when it comes to generating leads and making the phone ring.

Most small businesses don’t know anything about those three things that marketing is supposed to do. But there’s also an additional problem to consider. Most small business owners use a tactical marketing approach instead of a strategic approach. Let me explain.

Running an ad in the local newspaper… sending out an email or direct mail letter… airing a radio or TV ad on a local media station are all examples of tactical marketing. Now don’t get me wrong… the newspaper, radio or direct mail can be successful marketing channels… If your marketing message is powerful and compelling. But that’s the problem… the message is the strategic side of marketing… and yet, it’s the most neglected.

This distinction between strategic and tactical marketing is huge and one you need to be acutely aware of anytime you start talking about generating more leads. Many companies mistakenly assume that when you talk about lead generation, you’re automatically talking about tactical lead generation… placing ads, sending out mailers, joining a networking group, attending tradeshows, implementing a prospect follow up system and so on.

They fail to realize that the strategic side of the coin, what you say in your marketing and how you say it is almost always more important than the marketing medium where you say it. If you fail to make this distinction, then you risk becoming jaded towards certain forms of marketing and advertising that should be a part of your tactical plan, but you eliminate them from consideration because they haven’t worked for you in the past.

When lead generation results are less than optimal, small business owners tend to almost always blame the marketing medium… like the newspaper the ad ran in or the postcards they sent out. They blame the tactical part of the plan… without any regard for how good or how bad the strategic messaging in that marketing piece was. People often say things like, “we tried radio and it doesn’t work for our kind of business,” or “we sent out 50,000 pieces of direct mail and only generated 3 orders. It just doesn’t work.”

Just because it didn’t work, don’t assume that it won’t work. Most people don’t have the evaluation skills or the know-how to judge whether poor marketing results from poor strategy or poor tactical execution. This is where our step-by-step roadmap can generate more leads than your business can handle.

For example, most small business owners rely heavily on platitudes in their marketing. They say things like – we have the lowest prices… the best service… we’re family owned and operated… we offer convenient hours… the best value… not to mention that we’ve been in business since 1431 B.C. Look at your own marketing that I asked you to acquire or create earlier. How many platitudes did you use in your own marketing?

By the way, this is NOT your fault. Small business owners have been conditioned to think this is the proper way to market their businesses… since most advertising follows this same pathetic marketing formula… including the Fortune 500 types.

As human beings, we’re all after just one thing when we buy something… the best deal! Unfortunately, when you use platitudes in your marketing, there’s absolutely no way to tell who is actually offering the best deal. Everyone says they have the lowest prices, the highest quality and the best rates. So who do you believe? There’s only one way to know… and that’s to research every single business that offers what you want to buy. How many of us have the time or patience to do that?

So most of us just automatically assume that everyone is pretty much the same, and therefore we default to calling on the business that offers us the lowest price. When you can’t communicate the true value your business offers, you’re doomed to forever compete on price. Our marketing equation will change all of that for you forever. It’s going to be the backbone of your strategic marketing plan. It’s the foundation on which everything else we build for you is based. Let me give you a quick overview and then spend some time going through it with you in detail.

A proper marketing equation has four main components. First, it must interrupt your prospects. It must get your qualified prospect to pay attention to your lead generation marketing. Simple enough to say, but a lot more difficult to pull off in real life unless you understand what you’re about to learn here. The interrupt is done through your headline if your marketing is in print… or it’s the first thing you say if your marketing through radio or TV. The second component is engage. Once your prospect is interrupted, it’s critical you give your reader the promise that information is forthcoming that will help the prospect make the best buying decision possible. In other words, it must help facilitate their decision to pick you over anyone else. This is the job of our subheadline.

The interrupt is our headline that highlights a specific problem that your prospects are looking for a solution to… and the engage is our subheadline that promises them that you offer a solution to the problem we mentioned in our headline.

The third component you need to include is ‘educate’. Once you have interrupted and engaged your prospect, you have to give information that allows them to logically understand how and why you solve the problem they’re facing. This is accomplished by giving detailed, quantifiable, specific and revealing information. This is typically done in the body copy of your ad. When you educate, you need to reveal to your prospects the important and relevant information they need to know when making a good decision, and that your business… and yours alone… provides it to them. The interrupt and engage hit the prospects emotional hot buttons. Educate is the logic they need to justify picking up the phone and calling you.

The fourth and final component of the marketing equation is your offer. Now that you have interrupted your prospect based on problems that are important to them… engaged by a promise of the solution… and they’ve examined the educational information that makes your solution real and believable… the last step you need to take is to give them a low risk way to take the next step in your sales process. You do this by offering a free marketing tool, such as a report, brochure, seminar, audio, video or something that will continue to educate them. Your offer will allow your prospect to feel in control of their final decision to call and buy from you.

So your marketing equation is interrupt, engage, educate and offer and together they equal market domination. Now here’s the problem. Most marketing today only contains two of these components. They interrupt by throwing something at you that’s either familiar like Tiger Woods… or unusual like a monkey or talking pets. Sometimes they like to use both, as in the case of the E*Trade baby. Then once they grab your attention, they make you some type of offer such as “call now for whatever.” They have left out the engage and the educate, and marketing seldom succeeds when that happens.

In fact, the only time this type of marketing does succeed is when you can afford to run the ad over and over nonstop for an extended period of time. Plop, plop, fizz, fizz… melts in your mouth, not in your hand… and the burgers are better at… have literally been rammed down our throats by Fortune 500 types. After hearing these slogans thousands of times, of course we’re going to remember them. But how can a small business owner like you that doesn’t have a billion dollar marketing budget successfully market your business. The answer… you can’t… UNLESS you follow the entire marketing equation.

And finally the third biggest mistake small business owners make is that they have no idea how to use their marketing to generate immediate cash flow. When you follow this marketing equation in every form of marketing you do… from your business cards to your company website, the financial results are instantaneous and immediate.

So in conclusion, the three biggest lead generation mistakes small businesses make are #1… they fail to get professional help. #2… they don’t know the fundamentals required to successfully market their business and attract as many new clients as their business can handle. And #3… they have no idea how to use their marketing to generate immediate cash flow.

The above marketing equation contains the fundamental components for instantly making your phone ring and positioning your business as the dominant force in your market. It provides the marketing foundation that will enable you to generate immediate cash flow. And small businesses can use this information as a minimum standard when seeking out professional help for their business.

When you can overcome these three biggest lead generation mistakes, you will generate all the leads your business can handle.

Copywriting Tips – 3 Critical Selling Mistakes, Which One of Them Are You Making Right Now?

Most businesses are either started out of frustration, out of hope, or on a wing and a prayer.

Unfortunately, however… “hoping” and “praying” aren’t good business strategies, and that’s why something like 92% of all businesses don’t exist five years after they’re started.

And of the 8% who do survive, probably 90% of these subsist on a week-to-week life support basis only.

The truth is, if you can’t sell, you can’t build a business… and you can’t make any substantial coin, either.

And while I cannot teach you how to sell inside one e-mail, I can give you 3 reasons why most people can’t seem to sell very effectively. And here they are:

1. Trying to be all things to all people. For example, you probably have an acquaintance from your kid’s school or a neighbor in the community who sort of “means well,” but absolutely drives you nuts, because he or she is so preoccupied with making sure everyone likes them, right?

This person probably annoys the daylights out of you because in trying to make sure they never aggravate anyone, they also never truly attract anyone either, because they’re not being “real.”

Well, in effect, this is the same thing that happens when you try and be all things to all people in your marketing. You won’t alienate any buyers — but you won’t attract any, either.

See, you simply must have a reason to exist in your marketing, or else it won’t be effective. If you sell hats to everyone, you’re a lot less appealing than if you specifically sell urban baseball caps to teenagers. No one needs another hat salesman.

Make sense?

2. Not making an offer. If you look at ads all across the board, in any kind of media or industry, this is, by far, the biggest weakness in them.

I’m looking at a print ad right here in front of me, for t-shirts. It has a photo of one of their t-shirts on it, and the name of their website.

And that’s it.

Not very compelling, is it? Versus…

“Order in the next ten days and take advantage of our limited buy one one get one free, with your first order, ” or something like that. This is a LOT more compelling than…

Nothing. Which is what the ad offers right now.

Remember, you’re not showing your kids the photo album of your wedding here. When it comes to ad space, you’re either trying to sell something or generate a lead, and nothing else.

3. I can easily say poor headline here, but let’s skip this one for another day. And instead, let’s talk about the fact that there’s “no compelling reason to act now.”

That’s because your biggest enemy when it comes to sales, isn’t pricing… it isn’t value… and it isn’t poor copy. It’s lethargy. Most people need pretty much need a rocket ship shoved up their you know what, to get them to do anything.

Which means unless you’re giving your prospects a reason to take action right NOW, you’re not giving them a reason to take action at all.

Basically, it goes back to the old rule of human behavior that says, if something’s not important to you, then it’s certainly not going to be important to someone you’re talking to, either.

Meaning… you can only get as much as you put out. It all starts at the top.

Now go sell something, Craig Garber

Generation Y – What’s Next?

Educators, Parents, Business and even GenYers themselves are all in need of information on how to prepare for the looming transition of over 70 million, 16 to Twenty-Somethings as they enter the workplace and the “real world”. This generation is different from any other that has come before. GenYers are tech savvy, multi-taskers, who can juggle e-mail, their Blackberry’s, talking on their cells and cruising the net all at the same time. They like change because that’s what they know, that’s what their world has been. On the flip-side of the coin, stats show that most are unsure of how to prepare themselves for transition into post-secondary education and the workplace. Questions such as “What’s next?” bog them down as they are overwhelmed with the possibilities they have to choose from and unsure of the directions they should take. They are told at the age of 16 or 17 to decide what they want to be when they grow up. But this concept is a difficult idea for GenYers to grasp when they see how fast change takes place. They know that an occupation they are interested in right now – may no longer be there when they have finished 4 years of post-secondary education. They have received mixed messages from educators and the education system, which hasn’t changed since the industrial revolution.

Educators are using outdated methods and trying to prepare students for a world that no longer exists. The result?…kids who are confused and unprepared for what employers and the workplace really expect. They’ve been told to stop doodling, be realistic, sit still and do as they are told. When in reality, successful companies are looking for creative, innovative, problem-solvers, who can act quickly and think for themselves.

Parents feel inadequate to help their kids make choices around careers and education and are exasperated by the boomerang generation – youth who leave home to work or go to school, then find themselves moving back home 2 to 5 years later – living in the same bedroom they grew up in. They spend their days and enormous amounts of time in front of the television or computer, playing video games and “talking” to friends on the latest social network because they don’t know what to do with their degree and feel paralyzed by the decisions they need to make or which directions to take.

Employers are finding themselves ill-equipped to handle an ever increasing multi-enerational workforce and the challenges of this new breed of employees. They realize that the GenYers are coming but most aren’t quite prepared for the experience of employing a new wave of workers.

“A new type of Career and Education Planning is vital to help GenYers find fulfilling career opportunities and to help them maneuver their way through an ever-changing work world.” says Bonnie Porter, President of What’s Next? Transition Strategies. “Success is no longer about answering the question, ‘What do you want to be when you grow up?’ It’s about exploring, experiencing and growing through decisions. Knowing themselves, their passions and what they want out of life will develop confident, happy and successful, children, students, employees and most of all GenYers who know “What’s Next?” for them”. Students often express that they can’t find the help they need from their school guidance counsellors. Even guidance counsellors themselves admit to the challenge of working with a 500:1 student ratio. There is no way they can possibly provide the much needed one-to-one assistance focused on the individual.

Many are now seeking the help of a fee-for-service Career Coach who can help them prepare for and create their own unique career path. More and more individuals are finding this to be a valuable investment in their life, education and career. Given the way the world is changing they will not be content with just a job. Most want lives that are purpose driven. They want to accomplish goals and experience challenges and passion for their lives. Their instincts tell them that there is more than what they are experiencing now. It’s the reason students change their majors two and three times and that so many Christmas graduates come home without completing their education. They have settled for something less than what they really want because most have never decided what that really is and they didn’t know what else to do. They are unsatisfied and unfulfilled.

It has been said that each generation comes equipped with the gifts and talents they require to live in their era, to overcome obstacles and improve the world we live in. Generation Y have what it takes to courageously take the helm and lead. Unfortunately though, most are unaware of how to go about discovering what the “more” is for them. They end up feeling restless and unfulfilled, stressed and living back at home. They need help to define their preferred future and to recognize that they have the power to choose how to get from where they are to where they want to be. When GenYers take the step to determine what’s next?, they walk away with the confidence to create the career and life paths that will be right for them.

Don’t Want Your Kids to Get Bent Over Like Your Parents? Act Now!

I am currently in the middle of a visit with friends that we see periodically because they live in a different part of the world. I have known Ruth and her parents for almost 30 years. Tall and slender, she was a champion swimmer in her school days before graduating as a physical therapist. Her 15 year old daughter Sarah is a vibrantly attractive, 5′ 10″ at this point, and likely to surpass her mother in height. A recent Swiss holiday with her parents and siblings reinforced a significant reality to Ruth: Including the memories of her departed grandmother, there were four generations of postural stoop.

Change isn’t as apparent when we are with people all the time. It is more noticeable when we have periodic encounters and have our images updated. The reality is that any postural deviation will continue to extend itself until corrected. Rapid decline is likely in later years.

Ruth is very motivated right now. She doesn’t want to follow the same decline as her mother. She would like to prevent her from the eventual need of a walker. She knows she is on a slippery slope and she wants to prevent Sarah and her other children from a similar slide. She’s motivated! She is educated! With the right tools and strategies, she is empowered!

Walking through a crowd of teenagers, at a high school, concert, or any such gathering will provide ample evidence of postural drift. There are many obvious reasons; family tendencies (especially among tall people), slouching over keyboards, carrying backpacks, attitudes, trends, etc. Some are less obvious but equally likely. Sarah is athletic. She runs, plays soccer, field hockey etc. Her height would make her a natural for volleyball, basketball, swimming and other sports. She is also musically talented and spends many hours practicing the piano. Being a tall relational person makes her want to be on the level with her friends. Spending all this time in a bent position, the body thinks it is the standard position where it ought to return to. A new normal needs to be established.

This is an article to call attention to the problem and suggest a mechanism to instill an awareness of optimal posture and desire for it to be a new normal. If you ask most teenagers if they want to be shorter, the answer would be a quick no. There are exceptions. Abnormally tall young people may want to conform to fit in and so they consciously stoop so their height is not so obvious. Some are conscious of their bust line and want to hide it. Most get over it and appreciate the advantages; and there are many.

A simple search of the internet under “forward head posture” or “head forward posture” yields yields millions of hits. Many of them offer restraining devices that hold the shoulders back in a position that seems to represent good posture. The problem with passive restraint devices is that they only work when you wear them and they substitute for muscle activity. They actually weaken structures rather than improve them. Taking them off gives a relief from being restrained and they return to old norms. Other solutions are exercises that stretch, strengthen muscle groups and mobilize joints to improve body condition and restore posture. They can be good and work for some people. When it comes to young people, they are even less likely to accept restraints or regular exercise disciplines. It is easy to just “fit in” with everybody else and slouch together.

I think there is a better solution that has possibilities to change habits and behavior. Working as an educator for 30 years, I believe that providing a motivation and a process that is simple enough to integrate into daily activities, they will buy into change and make it permanent. It isn’t constant reminding (nagging) by parents or some other adults and it isn’t guilt or dire warnings of consequences. (Why do young people still take up smoking?) The long term consequences of poor posture are immense.  Joint and muscle pain, to back pain, nerve impingements, reduced lung capacity, TMJ pain, chronic headaches, shoulder and neck pain, blood pressure regulation, internal organ function and many more, all have possible links to posture.  It just isn’t as common to think about these things when you are young.

Most of us. including young people, don’t want to lose our height. Most of us, including young people, want to improve our self image. Optimal posture will do that. We can recover two inches or more if we correct a slouch and we can improve our overall appearance as well.

I am suggesting an approach to posture protection and correction that I don’t see as much. It is really more about lifting of the upper body into alignment; reaching up to full potential. Strangely enough it involves depressing the scapulae or shoulder blades. Think of three elevators side by side. The outer ones represent the scapulae. The inner one is the spine. As the two outer ones (the scapulae) go down, the middle one goes up.

Why does this happen? Dr. Makofsky, Professor of Physical Therapy at a New York university coined the term “Spinal Corkscrew Principle”. He identifies the action of depressing the shoulders produces a compression force on the ribs. Because of their construction, this inward force creates an upward force or decompression on the spine. This brings the spine into alignment in a very natural way by activating and strengthening key muscle groups in the mid and upper back. One way to experience this is to do it when you are lying in bed. Lying flat on your back, press your shoulders toward the bottom of the bed. You should feel your upper body move toward the head of the bed while the lower body stays still.

Active muscle involvement creates muscle memory. How many of the skills that we learn are performed with muscle memory? How many times are we awestruck at kids as they effortlessly perform complex skills; riding a skateboard or bicycle, skating, swimming, performing gymnastics, playing an instrument, etc. In some disciplines it is referred to as “kinesis” or “kinaesthetic awareness”. It makes you aware and you don’t forget.

In 2005, with over 30 years of clinical experience, Dr. Makofsky invented the PostureJac. It uses this mechanism to restore and train proper posture by correcting your perception of what’s normal. It slips on like a jacket with handles at the side. With the handles adjusted so that your elbows can lock while pressing down, it produces the “Spinal Corkscrew Mechanism”. The shoulders go down (like the handles of the corkscrew), and the spine goes up (like the cork). Holding this position, the spine is very stable and the joints are tight. Dr. Makofsky has designed exercises that will stretch, strengthen and mobilize tight, weak and stiff muscles and joints. Teenagers won’t likely feel these things but you will, and you are reading this article and you may have these problems as well, just like Ruth and her mother. So you should pay attention to this as well. Chances are that your posture is worse than theirs and you think it is too late.

The good news is that it isn’t too late and you can set a good example for them. It’s kind of like telling them to stop smoking when you can’t, or lose weight when you won’t. This is something for everyone. There is just an urgency with young people in their developmental years to create a healthy “groove” rather than cut a new one later on.

You can find more information on Dr. Makofsky’s “Spinal Corkscrew Principle” and the PostureJac at http://www.posturejac.com (and see a picture of Ruth and Sarah). It isn’t just for bent over people. It is for athletes who need to maximize performance, for singers who need maximum lung capacity, whoever hunches over a computer too long, and other people who would just like to live longer and better by taking proper care of their spine. It is the central axis of our body, and it affects all the other joints and organs.

You know the old saying “you can lead a horse to water, but you can’t make it drink.” Okay, you can’t “make” them stand up straighter. Come to think of it, they do get headaches, TMJ pain, and various other sundry pains. Hmmm! Maybe there is more in it for them than just looking taller and better.

Basic Coin Collecting Strategy

Collecting coins is a longer term goal, however, the happiness of pursuit is always more important than the rapid completion of a set of coins. The inherent enjoyment is always found in the process of collecting, and fulfillment is found in its completion. Once fulfilled, a new goal, set quickly, will begin a new road towards further pursuits of happiness.

A solid collection will always have a solid value, at any level or grade. Higher grades, of course, will generate higher returns and higher appreciation. The higher grades will require longer term goals, a greater amount of money, and higher levels of frustration and more patience. For that reason, it is best to collect at a gradual or graduating rate, acquiring graded coins in steps, until your “goal coin” is finally acquired for your collection. These gradual steps will offer continuous levels of enjoyment, but with more positive progress and happier dispositions.

If collecting a set of Sacagawea dollars, one will experience difficulties in acquiring the Mint States more frequently than in collecting Proof coins. Sacagaweas are not unique in this respect; as this difficulty is shared by the majority of coin collecting categories. Probably for reasons of popularity, and greater ease of acquisition, modern proof coins are easier and less time consuming to acquire. For the serious collector, the extra challenge of collecting Mint State coins, modern or rare, will be more invigorating, exciting and rewarding. Now that we have four top grading companies that strictly follow the ANA guidelines (NGC, PCGS, ICG and ANACS), acquiring quality coins with a reliable grade is consistently possible. Availability still depends upon the laws of supply and demand; but this is always the challenge.

Despite the high level of your personal abilities to grade a coin, the reason that we invest in coins that are certified and graded by the “Top Four”, is that it creates a market for us when we want to upgrade and sell. It is not our opinion of the grade that matters, it is what will bring us the greatest return on our investment of time and money. The grade of a coin is everything. Coin prices are based on the grade. Buyers want the highest grade, but more important to them is an accurate and reliable grade. Personal opinions on the grade of a coin are never satisfying. Therefore, a professionally certified and graded coin eliminates the biggest issue in buying and selling a coin.

The Top Four give us stability, reliability and reputation. They also guarantee the grade and authenticity of the coin. This we need to market our coins, when we upgrade and sell. Buying raw coins is always an invitation to get cheated; someone usually loses, and the grade is always in question. Investing in raw coins should be avoided by the average collector, when possible. An alternative is to agree to pay for the cost of grading and the coin, if the grade represented by the Seller (or higher) is the result; if not, the Seller pays for grading.

The added protection from a sealed case – a slab – will greatly inhibit deterioration of the coin from exposure and damage. It will also enhance the maintenance of the coin’s grade and its appreciation. Marketing coins we need to upgrade and sell is enhanced with certified and graded coins, since: 1) there are larger pools of buyers; 2) the issue of grade is eliminated; and, 3) selling at book value and above is far more likely. People don’t mind paying a fair price for a solid coin, but do mind getting cheated for a misrepresented grade.

Don’t hesitate to buy a coin in a grade lower than you hope for or strive to acquire. One must consider that the average collectible coin is constantly appreciating; although not always at a steady or consistent rate. The Laws of Supply and Demand always have a hand in the value or worth of any coin. Having an investment in a coin is preferable to no investment. A savings account earning 3% interest is no investment, and yields no enjoyment.

Stepping up, or improving your coin’s grade, in a graduated process, is far more pleasing because it adds more activity, allows completion of sets (albeit temporary for the actual grade desired), the cost is less or spread out, and makes for continuous progress. The fewer numbers of coins available in the next higher grade, the costs of each upgrade being higher, and putting a higher value on your time, makes the approach of buying only the “goal coin” undesirable. Doing so will degrade your progress, enjoyment and appreciation.

The challenge of graduated acquisition will last longer, adding to the thrill of each new addition. With each higher step up, comes a higher investment in time, your patience, and money. Secondly, the coin you have will be appreciating, while the collector striving for the “goal coin”, may be waiting months and years to find the right coin – with no benefits to him in the mean time. Thirdly, your collection will be growing, and so will your appreciation of what you have. How quickly you can complete your collection is not the goal; it’s the path you take to get there.

Finally, don’t be overly concerned about either getting a bargain, or paying book value or more. The value and worth of your collection will not be greatly affected by either. Time spent getting a bargain price is the single most commonly wasted activity. Your time, not spent in the happiness of pursuit, is wasted. Bidding on 20 different auctions with a goal of getting a bargain price is foolishly applying one’s time.

“Teach us to make the most of our time,

so that we may grow in wisdom.”

– Psalm 90:12

Our time holds a far greater value than each of us wants to admit. It should not be wasted, but spent in positive thoughts and endeavors. It is better to pay book value, avoiding the stress and waste of time, thereby investing your time on more rewarding pursuits.

Enjoy collecting.

How To Make Millions of CityVille Coins Quickly – Fastest Way To Generate Coins

If you want to know some best tricks and tips on making millions of CityVille coins in short period of time, then you must consider to read this article.

Within the next few minutes, we’re going to look at some crucial elements that you must consider in order to make more CityVille coins as well as XP points.

In order to generate huge amount of CityVille coins or millions of CityVille coins, you must build larger revenue giving business units. Large revenue giving business will instantly and quickly give you high amount of coins as well as XP points. If you do not have much space left on your CityVille city, then you must consider to remove some of the small revenue giving business in order to build large business units.

The most powerful trick to generate millions of coins instantly is to have franchisee units established on your neighbors city. Franchisee units gives you the best opportunity to generate thousands of CityVille coins instantly with the click of a mouse button.

Always try to have a large revenue giving business units and franchisee units in order to utilize your time and efforts as well as your CityVille energy level. Large revenue giving business will not only give you huge amount of coins, but it will also utilize the energy level of your city. Rather than wasting your energy level on small revenue giving business, you must consider to utilize it on large revenue giving business in order to get more coins and more XP points. If you do not have much coins right now, then try to put the plot on your CityVille city and tell your neighbor to put a franchisee business on your city, with the help of your neighbors business, you will be able to generate some amount of coins, which you can utilize later to build some large business units and to construct some buildings.

If you know the power of getting the bonus coins, then you will be able to generate millions of coins, faster and easier. In order to get large amount of bonus coins you must have higher level in CityVille. Try to level faster in order to ensure the power of bonus coins, which will boost your amount of coins rapidly. So I recommend you to level faster as soon as possible and to build a large CityVille city. Don’t worry about your CityVille layout. You can design a better CityVille city later when you get more coins and highest level.

Don’t Wait: Invest In Gold And Silver Now

I had coffee with a friend today and was asked,” when do you think the housing market will rebound. By fall maybe?” I wanted to holler, WAKE UP the housing market isn’t coming back, the US is going to default on their debts and your “almighty” dollar isn’t worth the paper it is written on. America is slumbering and needs to come alive and realize what is happening to their country and their economy. We have enjoyed false prosperity for many years, borrowing from our children and grandchildren’s future and now it is time to face the proverbial music.

I also had to pleasure to speak to a gentleman in his late sixties who has saved and been wise with his retirement. He probably has a couple of million dollars put away for his retirement. He understands that social security is bankrupt and that he can’t count on it to maintain his and his wife’s lifestyle when he retires. However, all of his retirement is in US dollars. What is he to do? Invest in the Euro – certainly NOT! The European Union is in a similar crisis to the United States. With Greece having to implement “austerity measures” to ensure continued money from the Union their people are in an uproar. There are riots, violence and unrest nationwide as their population retaliates against the lifestyle changes necessary to begin a financial recovery. Combined with countries like Germany who don’t want to give any more money to Greece and their people’s dissatisfaction, they are in a catch 22. Let Greece fail, watch Spain, Ireland, Italy, and Portugal follow and what is left of Europe?

The United States is in a similar predicament. Continue printing money or default. No longer can we even afford the interest payments on our debt and our favorite “friend” China doesn’t want to help us out anymore. So what are our options? Print money to pay the interest on our debt or default. What would you do if you were in Washington and wanted your job back next election? You guessed it! So what are the repercussions of this money printing?

Really, what is the harm in printing money if it keeps our economy afloat? Well – let’s look at this from a normal household perspective. Our dollars must pay our houses, cars, utilities, and food. As the Fed prints more money, each dollar becomes watered down, it becomes worth less and less. So everything we try to buy with that dollar costs more, and this is called inflation. The average American is making less and it is costing more and more to live. Our food prices have skyrocketed and will continue to do so. The average American family can’t even afford to eat well, much less eat healthy. What are we to do?

If you have anything saved in retirement plans get OUT OF IT!!! Borrow against it and convert it to Gold or Silver. Silver has increased 560% in the last ten years and gold over 477%. These precious metals are cheap right now and will only increase in value. If the dollar tanks, and it will, this is your only hope. Don’t wait! Gold and silver are quiet right now. Not garnering anyone’s attention. It is summer, and historically they are stagnant in summer. They traditionally rise from September to April. Get on board now before they begin to move again. Most wise financial investors believe silver will be over $200/ ounce within the next couple of years. Guess what? It is in the low $30’s right now. This is a no-brainer folks, get on board now before you regret for generations to come being stuck in the defunct US dollar.

Now for those of you who say you “can’t afford” it. Sell anything you can, borrow against any savings or assets you have and get on board NOW. Do NOT wait. If you are reading this, this is your chance to act. Even in India, the poorest of the poor, find a way to invest in gold. Speaking of gold, if you can afford gold diversify and include both silver and gold coins in your asset protection plan. Diversify and protect your assets now. Be wise, see and understand the signs of the times and don’t stick your head in the sand. Hold it high and confidently knowing you made the right choices for the financial well being of your family!

Gold and Silver Coins As a Survival Cache

Gold and silver coins are the primary way to stock up on recognizable assets that you will be able to use in the future if for some reason or situation arises where you will not be able to use the printed money from your country to buy food or provide for your family.

The price of both gold and silver are relative to the international exchange rate of your local currency to the U.S. Dollar or the Euro, but that is irrelevant in the bigger picture of things when you look at the buying power of your paper money today and in the future.

If something happens that causes your local paper money to not be accepted by local vendors for daily purchases, then you need to have some sort of higher quality and a “more in demand” type of valuable in your possession to buy the food and water you will need until the government gets back on track which may take a few months to even a year or two.

If you live in a country that is not primarily English speaking, you probably are not reading this right now, but if you are, the best types of gold and silver coins to stock up on are the ones that people from your area will recognize for their international quality and value.

The U.S. Double Eagle and the Canadian Maple Leaf are very recognizable, but the South African Kruger Rand is the standard when it comes to gold coinage for the specific purpose of quality and weight.

Almost all of the gold coins that are produced by government mints are exactly 1 ounce and 90% pure. Traditionally a mint will convert the gold you dig out of the ground into a coin or bar, but they have always charged a 10% fee that is realized in the form of the purity of the final product you receive. The governments and mints try to tell you that they add nickel and copper to make the coin stronger so it will withstand the wear and tear of daily use, but that is a load of bull because I do not know of any place today I can spend gold.

If I walk into a Chevy dealership will I be able to convert 20 gold one ounce Double Eagle coins into a new Corvette? Certainly not; they will send me down to some dealer that will buy my gold coins and then I need to take a sack of cash back to the dealer.

What if things get a bit bad socially or economically and I want that same Corvette and my paper money is worthless? Or at least worthless to the person I want to purchase a product from. Then I need to have a type of commodity that has a value above and beyond the value of the worthless paper.

This is just an example, but for three to four generations the American society has been taught to save their money, their paper and copper clad coins. These do not have any true or real value. This type of currency is worth less than poker chips and they cost about 4 times more to produce. Yet our children are banking them and hording them like they will be their salvation at some point in the future.

I personally do not think the banking system will collapse as bad as the dooms day people say, but I do think there will come a time when gold and silver will be a great investment for safety and security.

What, that time is now. In the mid 90’s I was buying silver coins as stock silver from coin dealers. They were in bank bags and weighed 52 pounds per bag. When silver hit over $40 per ounce, I was not disappointed at all.

At the same time gold was very high at $285 per ounce so I am not too upset that I bought Double Eagles and Kruger Rands by the pound also.

Even though the relative price of gold and silver looks like it is very high today, the truth is that the value of both metals is mostly relative to the buying power of your local currency. If the price of gold seems like it is up, that only means the value of you paper is down and the price of a loaf of bread or a gallon (or liter) of mil is up also and probably exactly proportional to the price of gold.

The value of precious and industrial metals is pretty much constant over a long period of time and they are the best way to preserve and protect your buying power when you do not know or have a concern about the value of the paper you are holding.

This is why countries and governments mint gold and silver coins in the first place. The value of their paper money is only as good as the way people feel about their money. Not the actual value, the way people feel about the value.