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Item Upon - Floods, Earthquakes and Fires: Secure vs. Insure
Who Is To Blame?
Although job outsourcing is a sensitive issue, social and political; it is unavoidable. It’s been said that it is the effect of globalists. Companies are in the business of making money and will move to places where production costs are cheaper.Britain are now selling its companies as its difficult to maintain as production costs rise at home while it lowers elsewhere. Britain will now be a place for services where British expertise and experience counts, such as specialized management consultancies and advisory services oil exploration, training and engineering services, design and technology, and development services. Another industry will be the “education sector” such as hundreds of international students comes here for studies. Take Cardiff University’s “Business School” of instance, hundreds of students comes here every year for a degree in Business Management (MBA) bringing in millions of hard currency to the country. The business school in Cardiff is considered the cream of all Cardiff university departments as it fetched millions every year.Only the British arms industry will survive, thanks to the constant hostility among neighbouring countries. Sometimes one wonders if this hostility and arms race is artificially created to encourage and maintain the arms export. Take Saudi Arabia, for instance, why would it require billions of pounds worth of fighter jets while it has the USA as
ed to the risk of natural disaster.Although job outsourcing is a sensitive issue, social and political; it is unavoidable. It’s been said that it is the effect of globalists. Companies are in the business of making money and will move to places where production costs are cheaper.Britain are now selling its companies as its difficult to maintain as production costs rise at home while it lowers elsewhere. Britain will now be a place for services where British expertise and experience counts, such as specialized management consultancies and advisory services oil exploration, training and engineering services, design and technology, and development services. Another industry will be the “education sector” such as hundreds of international students comes here for studies. Take Cardiff University’s “Business School” of instance, hundreds of students comes here every year for a degree in Business Management (MBA) bringing in millions of hard currency to the country. The business school in Cardiff is considered the cream of all Cardiff university departments as it fetched millions every year.Only the British arms industry will survive, thanks to the constant hostility among neighbouring countries. Sometimes one wonders if this hostility and arms race is artificially created to encourage and maintain the arms export. Take Saudi Arabia, for instance, why would it require billions of pounds worth of fighter jets while it has the USA as
There are many types of disasters to consider, including natural disasters like floods, earthq
The Dentist's Question: Is This All There Is?
If you have your own dental practice and it is successful, at some point you must be asking; “Is this all there is?” Most practice owners bought or started their practice to accomplish three things:1. Improve their quality of life 2. To be free & independent 3. to be in control of their personal & financial destinyBut you have not accomplished any of those things. What happened along the way? In order to be successful, you had to be tied to the practice.But it’s ok. You are a smart, hard-working, talented person. After all, you graduated from dental school, passed the boards, and people call you “Doctor”. Everything - and I mean everything - depends on you. You don’t really have a practice. You have a job from which you can never be fired. You are “Superdoc”.If you are like most dentists who own a practice, you work 10-12 hour days, skip lunch twice a week, work every other Saturday and an occasional Sunday. Vacations, if they exist, are very hard to schedule and keep the practice running. Some practitioners simply close their practice in order to get a vacation. All the while the overhead continues. This forces them to work harder when they get back and to avoid vacations in the future.How can you change a dentist who works in her own dental practice to an owner of a dental services business? Do not start with the practice. It is not the practice
Natural and unnatural disasters affect everyone. Some areas of the United States are so prone to natural disturbances that many private insurance companies will not offer coverage. For example, most homeowners insurance will not cover damage caused by floods or earthquakes, and few will cover forest fires if your property is in an undeveloped area.If you have your own dental practice and it is successful, at some point you must be asking; “Is this all there is?” Most practice owners bought or started their practice to accomplish three things:1. Improve their quality of life 2. To be free & independent 3. to be in control of their personal & financial destinyBut you have not accomplished any of those things. What happened along the way? In order to be successful, you had to be tied to the practice.But it’s ok. You are a smart, hard-working, talented person. After all, you graduated from dental school, passed the boards, and people call you “Doctor”. Everything - and I mean everything - depends on you. You don’t really have a practice. You have a job from which you can never be fired. You are “Superdoc”.If you are like most dentists who own a practice, you work 10-12 hour days, skip lunch twice a week, work every other Saturday and an occasional Sunday. Vacations, if they exist, are very hard to schedule and keep the practice running. Some practitioners simply close their practice in order to get a vacation. All the while the overhead continues. This forces them to work harder when they get back and to avoid vacations in the future.How can you change a dentist who works in her own dental practice to an owner of a dental services business? Do not start with the practice. It is not the practice
When evaluating what kind of insurance coverage you need, consider what your current policy covers, any inexpensive additions (or endorsements) to your active policy and your location related to the risk of natural disaster.
There are many types of disasters to consider, including natural disasters like floods, earthqu
Filing Bankruptcy In Canada
Bankruptcy is a scary word. Although bankruptcy provides debt relief, it also conjures up images of losing your home, no hope of rebuilding credit, and other unpleasant thoughts.Let's address those concerns with an analogy. Do you remember going to see the doctor when you were a child for your yearly check-up? You dreaded getting jabbed in the finger for a blood sample, but before you knew it, it was done and over with and the sting went away. One can think of the bankruptcy process in the same way - you dread filing for bankruptcy and expect it to be painful, but before you know it your debts are gone and you've moved on with your life.The bankruptcy process has the objective of rehabilitating the debtor, so that he can become a productive member of society without the burden of crushing debt. The bankruptcy system also ensures that all creditors are treated fairly and get an appropriate share of any debtor assets. Therefore, you should be aware that the bankruptcy system exists to work for you as well as your creditors.The Bankruptcy ProcessThe bankruptcy process is governed by a federal statue called the Bankruptcy and Insolvency Act ("BIA"). Under the BIA, the major steps in the bankruptcy process are:Meet with a trustee to evaluate your financial situation File an assignment in bankruptcy with the Office of the Superint
insurance companies will not offer coverage. For example, most homeowners insurance will not cover damage caused by floods or earthquakes, and few will cover forest fires if your property is in an undeveloped area.Bankruptcy is a scary word. Although bankruptcy provides debt relief, it also conjures up images of losing your home, no hope of rebuilding credit, and other unpleasant thoughts.Let's address those concerns with an analogy. Do you remember going to see the doctor when you were a child for your yearly check-up? You dreaded getting jabbed in the finger for a blood sample, but before you knew it, it was done and over with and the sting went away. One can think of the bankruptcy process in the same way - you dread filing for bankruptcy and expect it to be painful, but before you know it your debts are gone and you've moved on with your life.The bankruptcy process has the objective of rehabilitating the debtor, so that he can become a productive member of society without the burden of crushing debt. The bankruptcy system also ensures that all creditors are treated fairly and get an appropriate share of any debtor assets. Therefore, you should be aware that the bankruptcy system exists to work for you as well as your creditors.The Bankruptcy ProcessThe bankruptcy process is governed by a federal statue called the Bankruptcy and Insolvency Act ("BIA"). Under the BIA, the major steps in the bankruptcy process are:Meet with a trustee to evaluate your financial situation File an assignment in bankruptcy with the Office of the Superint
When evaluating what kind of insurance coverage you need, consider what your current policy covers, any inexpensive additions (or endorsements) to your active policy and your location related to the risk of natural disaster.
There are many types of disasters to consider, including natural disasters like floods, earthq
Selling the Difficult: How to Sell What People Don't Understand How to Buy
I'll play a seller, using conventional selling methods, selling something difficult to understand; you be the prospective buyer. As we go through the process together, note your reactions, how your beliefs are being challenged, what 'objections' and emotions come up for you as I try to 'sell' you. Once we're done with that component, I'll review how it would be different using Buying Facilitation; hopefully you'll be able to take that to the bank.Here we go (and please excuse me for being a bit playful and provocative. I can't pass up the opportunity!):CONVENTIONAL SELLINGAs a subscriber and reader of my newsletter, you have probably garnered some understanding of the Buying Facilitation process. You have probably read Selling with Integrity, or gone to our site, or read several of the past newsletters.So... Just out of curiosity... What's going on with your sales effort? Your sales training effort? Are you getting the numbers you want? Are you meeting your projections? If not, why are you still using that same sales program you're using? Have you thought of doing something different? What would stop you from using a new method to get better results?You must know by now, obviously, that my methodology would bring in the best results of any 'sales' training. So why aren't you calling me and purchasing a training program?Why aren't you buying hundreds of copies of S
, and few will cover forest fires if your property is in an undeveloped area.I'll play a seller, using conventional selling methods, selling something difficult to understand; you be the prospective buyer. As we go through the process together, note your reactions, how your beliefs are being challenged, what 'objections' and emotions come up for you as I try to 'sell' you. Once we're done with that component, I'll review how it would be different using Buying Facilitation; hopefully you'll be able to take that to the bank.Here we go (and please excuse me for being a bit playful and provocative. I can't pass up the opportunity!):CONVENTIONAL SELLINGAs a subscriber and reader of my newsletter, you have probably garnered some understanding of the Buying Facilitation process. You have probably read Selling with Integrity, or gone to our site, or read several of the past newsletters.So... Just out of curiosity... What's going on with your sales effort? Your sales training effort? Are you getting the numbers you want? Are you meeting your projections? If not, why are you still using that same sales program you're using? Have you thought of doing something different? What would stop you from using a new method to get better results?You must know by now, obviously, that my methodology would bring in the best results of any 'sales' training. So why aren't you calling me and purchasing a training program?Why aren't you buying hundreds of copies of S
When evaluating what kind of insurance coverage you need, consider what your current policy covers, any inexpensive additions (or endorsements) to your active policy and your location related to the risk of natural disaster.
There are many types of disasters to consider, including natural disasters like floods, earthq
Trademarks and Proprietary Rights in Franchise Systems
One of the things that a franchisor has to offer a potential franchisee is their brand name. A strong brand name means the built-in potential customers for the franchisee and his franchise outlet. Each franchisor must stipulate how their trademarks and proprietary information within the confidential operations manual will be used during the term of the franchise. It is far better in my opinion to be upfront with this issue into address it in the franchise agreement prior to the signing or exchanging of any monies for the franchise business. It is for this reason that I developed a clause to put into our franchise agreement, which was a little different than most other franchisors. Below is a copy of that clause;3.11.1 Proprietary RightsFranchisee acknowledges the exclusive right, title and interest of Franchisor in and to the Marks. Franchisee agrees that the Service Marks, Confidential Operations Manual, and System are Franchisor’s sole and exclusive property. Nothing in this Agreement or any other agreement will give Franchisee or others any right, title, or interest whatsoever in or to the Service Marks, Confidential Operations Manual, or System as it exists or as it is developed. Franchisee’s license to use the Service Marks is non-exclusive. Franchisor, in its sole discretion, may operate under the Service Marks and may grant licenses to others to use the Service Marks on any terms
need, consider what your current policy covers, any inexpensive additions (or endorsements) to your active policy and your location related to the risk of natural disaster.One of the things that a franchisor has to offer a potential franchisee is their brand name. A strong brand name means the built-in potential customers for the franchisee and his franchise outlet. Each franchisor must stipulate how their trademarks and proprietary information within the confidential operations manual will be used during the term of the franchise. It is far better in my opinion to be upfront with this issue into address it in the franchise agreement prior to the signing or exchanging of any monies for the franchise business. It is for this reason that I developed a clause to put into our franchise agreement, which was a little different than most other franchisors. Below is a copy of that clause;3.11.1 Proprietary RightsFranchisee acknowledges the exclusive right, title and interest of Franchisor in and to the Marks. Franchisee agrees that the Service Marks, Confidential Operations Manual, and System are Franchisor’s sole and exclusive property. Nothing in this Agreement or any other agreement will give Franchisee or others any right, title, or interest whatsoever in or to the Service Marks, Confidential Operations Manual, or System as it exists or as it is developed. Franchisee’s license to use the Service Marks is non-exclusive. Franchisor, in its sole discretion, may operate under the Service Marks and may grant licenses to others to use the Service Marks on any terms
There are many types of disasters to consider, including natural disasters like floods, earthq
Credit Card Debt Management - Management That Works
Credit card debt management is not as hard as it sounds. If you don’t already have it all figured out, here are a few tips to get you started: Different credit cards charge different interest rates! You also have three different interest rates on every single credit card; a low balance transfer rate, a slightly higher purchase interest rate and then a very high cash interest rate. If you are looking for credit card debt consolidation, you need to know where to start. So take some time out to calculate and brace yourself; there’s a war to be won!One Card Is As Good As Ten Now that you are looking at credit card debt management, let us see how one credit card and a credit card debt consolidation calculator can be the answer to most of your card payment problems in a few simple steps: first, you need to pay up the card offering you the lowest interest rate on balance transfers. You can transfer what’s left on your other cards to do this. Now you have enough at the lowest interest to pay back the higher interest cards. Balance transfer offers don’t last forever, so you will also need to look at credit card debt consolidation services for the future.Now you are paying less than you were before, at least for the time being. You are also paying fewer cards than you started out with. Getting an idea of credit card debt management helps you set reachable goals for yourself and will make l
ed to the risk of natural disaster.Credit card debt management is not as hard as it sounds. If you don’t already have it all figured out, here are a few tips to get you started: Different credit cards charge different interest rates! You also have three different interest rates on every single credit card; a low balance transfer rate, a slightly higher purchase interest rate and then a very high cash interest rate. If you are looking for credit card debt consolidation, you need to know where to start. So take some time out to calculate and brace yourself; there’s a war to be won!One Card Is As Good As Ten Now that you are looking at credit card debt management, let us see how one credit card and a credit card debt consolidation calculator can be the answer to most of your card payment problems in a few simple steps: first, you need to pay up the card offering you the lowest interest rate on balance transfers. You can transfer what’s left on your other cards to do this. Now you have enough at the lowest interest to pay back the higher interest cards. Balance transfer offers don’t last forever, so you will also need to look at credit card debt consolidation services for the future.Now you are paying less than you were before, at least for the time being. You are also paying fewer cards than you started out with. Getting an idea of credit card debt management helps you set reachable goals for yourself and will make l
There are many types of disasters to consider, including natural disasters like floods, earthquakes, forest fires, tornadoes and hurricanes. Unnatural disasters include war, nuclear accidents, civil disobedience and terrorism.
NATURAL DISASTERS
Floods
Who is at risk? Everyone. Any area can experience an unusually wet season and the wastewater management systems of most cities do not have the means to control a rapid increase of water in paved areas. Generally, if your property lies near a body of water or in an area prone to hurricanes or flash floods the National Flood Insurance Program (NFIP)
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