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• One in three Canadians aged 30 to 39 are not aware that interest are relatively low compared to historical norms. As a result, Canadians in this group may be taking on more debt than they could comfortably carry if interest were to return to historical norms
• Most Canadians (85%) in all age groups are not aware that interest payment on non-registered investment loans are generally tax-deductible
• Two in every three homeowners aren’t sure what level of down payment they’d need to avoid having to pay mortgage insurance
By Phil Edney
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Lack of knowledge may be park of the problem. Some Canadians have not taken the time to learn about the factors impacting their ability to mange and reduce their debt,[link widoczny dla zalogowanych]. For example:
Why is there such a gap the optimism in our youth and the reality as we approach retirement,[link widoczny dla zalogowanych]? One reason may be a lack of willingness to ask for help when it comes to managing our debt. The survey found that only about one in three Canadians have spoken to an advisor in the past year about their debt and day-to-day finances. As with many things in life – a little good advice can go a long way,[link widoczny dla zalogowanych].
Most Canadians would like to be debt-free. The good news is that, by implementing these few simple strategies, you may be able to become debt-free sooner that you think.
Although most homeowners aspire to be debt-free, many are not putting their minds to it. A recent Manulife Bank poll found that three in four homeowners consider becoming or being debt-free to be among their highest financial priorities. In fact, that 75 per cent figure holds true (with only slight variation) across all age groups surveyed, but only half of those surveyed had managed to reduce their debt over the preceding 12 months.
If you’d like to become debt-free but aren’t sure where to start, here are six strategies to set you on the right path:
5. CONSOLIDATE YOUR DEBT
One of the easiest ways to reduce your debt quickly is to consolidate it all at the lowest rate possible. Moving all of your debt to a single low-rate loan account will not only help you save interest, it will make it easier for you to keep track of how much debt you have. And, knowing how much total debt you have at any given time will make it easier to keep your debt-freedom plan on track.
WHY ARE SO MANY CANADIAN HOMEOWNERS STRUGGLING TO REDUCE THEIR DEBT,[link widoczny dla zalogowanych]?
While lack of knowledge is one area of concern, a gap between expectations and reality may also be keeping us from paying sufficient attention to our debt. The survey found that 55 per cent of Canadians aged 30 to 39 expect to be debt-free by age 50; however, only 17 per cent in the 50 to 59 age group actually were debt-fee.
STRATEGIES TO HELP YOU BECOME DEBT-FREE
6. TALK TO YOUR ADVISOR ABOUT A DEBT REPAYMENT PLAN THAT CAN WORK FOR YOU
Last,[link widoczny dla zalogowanych], but certainly not least, don’t be afraid to talk about debt. Debt management is an important part of your overall financial plan and your advisor can help you create and implement a plan for becoming debt-free sooner.
3. ACCOUNT FOR RISING INTEREST RATES
Do you know what interest rates you’re paying on your various loans? Are the rates locked-in or variable? If you don’t know the answers to these questions, make it a priority to find out. Often variable rates are lower than fixed rates which could save you money today. However, only consider variable rate loans if you have some flexibility in your budget to absorb an increase in interest cost if interest rates rise. Fixed rates may be preferable if an increase in rates would cause you financial difficulty or undue stress. Recently, more Canadians are opting for loans that allow them to divide their debt between fixed and variable rates so they can enjoy the best of both worlds.
4,[link widoczny dla zalogowanych]. BE PROACTIVE AND MAKE DEBT REPAYMENT A PRIORITY
Just because you have a 25-year mortgage doesn’t mean you should take 25 years to pay it off. In fact,[link widoczny dla zalogowanych], almost all mortgages allow you to make extra payments, beyond what’s required. Doing so could significantly reduce the amount of time it takes for you to repay the mortgage and could save you significant interest. They same is true of virtually all loans. If you want to become debt-free, make it a priority. Set a debt-reduction goal the same way you’d set a target for retirement savings and then challenge yourself to reach that goal by putting extra money toward your debt each month. To help you stay on track, create a chart showing your actual debt compared to your goal and update it regularly.
1. LIVE WITHIN YOUR MEANS,[link widoczny dla zalogowanych].
It seems obvious but few people actually take the time to ensure they’re consistently spending less than they earn. The solution is simple – create a budget and stick to it. Then, periodically check your income and expenses to ensure that you’re actually spending within the limits you’ve set. A budget will help you distinguish between your ‘needs’ and your ‘wants’ and also help you ensure that you’re setting aside enough money to achieve your longer-term financial goals.
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FIVE COMMON MISTAKES CANADIANS MAKE WITH DEBT
• Staying with your original lender when the mortgage comes due, without shopping around to find a mortgage that best meets your unique needs
• Maintaining multiple separate debts with a range of interest rates,[link widoczny dla zalogowanych], Instead of consolidating a single low rate
• Failing to make extra mortgage payments,[link widoczny dla zalogowanych], when additional money is available
• Not developing a long-term strategy for debt-freedom
• Neglecting to seek out professional debt management advice
2. PLAN FOR THE UNEXPECTED
One of the biggest challenges for many Canadians trying to become debt-free is an unexpected expense or temporary income disruption. Remember that even with a solid budget in place there will be unexpected challenges along the way. To avoid having these incidents throw your debt-freedom plan off-track, you need to expect the unexpected. Build up an emergency fund that you can tap into if you hit a rough patch. Or, if your contingency plan involves short-term borrowing, ensure you have easy access to a low-interest line of credit so you’re not forced to use high-interest credit cards. Finally,[link widoczny dla zalogowanych], when things are back to normal, make it a top priority to replenish your emergency funds or repay your loan.
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Strengthening exercises help increase muscle strength. Strong muscles help to support the joints, making the joints more stable, and helping a person move more easily and with less pain. The two types of strengthening exercises are isometric and isotonic.

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What are we now? What do we say to each other now? What do we think about each other now? These are what will play out in our actions later,[link widoczny dla zalogowanych].
Both ways are just different ways of looking at it. In the end, there is agreement that we must not rely on only our individual desires for happiness, and must at times let go of our clinging to whatever success we have. We must rely on seeing beyond that, which in the case of Christianity is God's will, and in the case of Buddhism is relying on our own mind's wisdom and awareness of what is. This is admittedly a small difference, only a difference of belief. The main thing is that we both see beyond relying solely on the power of our ego, our "selves,[link widoczny dla zalogowanych]," for our happiness,[link widoczny dla zalogowanych], and rely on something else.
Where a Christian might surrender themselves to God, a Buddhist realizes that a fundamental self does not exist, and surrenders in that way. Either way, there is a surrender to something greater, which if done sincerely results in humility, self-effacement,[link widoczny dla zalogowanych], and compassion. These are the trademarks of a religion that is working. These are the fruits of the practice. Self-righteousness,[link widoczny dla zalogowanych], hatred,[link widoczny dla zalogowanych], division, fighting and greed are indications that one's religion isn't working, and are harbingers of the many wars that have been fought throughout history.
So when the Buddha says that life can be suffering, this First Noble Truth seems depressing, and flies in the face of positive thinking that regardless of what happens, it is God's plan and is always for the best.
Perhaps it is time to look toward each other, and to look toward our political and religious leaders in terms of compassion, self-effacement,[link widoczny dla zalogowanych], and humility, other than in terms of their color, gender,[link widoczny dla zalogowanych], or their religious beliefs . Maybe it's time to look at our own actions and attitudes rather than our ideals,[link widoczny dla zalogowanych], or what we are supposed to be.
This would be a step above merely a positive outlook. This would be positive action.
The step beyond ourselves in Buddhism is an investigation of the "self," itself, until the self is seen through as an illusion. This is in lieu of a belief in a God. It is a quasi scientific/philosophical/religious approach regarding examining our thoughts and emotions and how they affect our lives. This is done by meditation and awareness practices. The important thing is that both methods, Christianity and Buddhism, are designed to limit the reliance of our selves, a self-reliance that takes a Christian away from God, and takes a Buddhist into illusion.
It's time to come together. The idea or separateness; grabbing as much as we can before someone else gets it,[link widoczny dla zalogowanych], belongs to fear, which results in survival of the fittest, and which is doubting that God will take care of us. This is not Christian; this is not what Jesus would do. He gave Himself to the world, as did the Buddha.
This step beyond our selves, for Christians, is relying on God's judgment for what is good for us. Worry is the greatest sin, some say, and this is true. If a Christian worries about their life, then they really don't trust God. Sometimes the greatest suffering brings a Christian closer to God, and Christians in traumatic times may have a religious experience regarding God that changes their lives. Happiness and ease sometimes take people further from God, as they get mixed up in money and power, politics and business, which rarely culminates in religious experience.
By E. Raymond Rock
See all Articles by E. (anagarika eddie) Raymond RockSee E,[link widoczny dla zalogowanych]. (anagarika eddie) Raymond Rock's Expert PageGet Updates on Personal DevelopmentGet Updates on E. (anagarika eddie) Raymond Rock Average: 0 Your rating: None Tweet
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A positive attitude is a great benefit. With a positive outlook, we can psychologically reap the advantages of happiness without relying on necessarily positive results. Even if things fall apart, our positive outlook regarding how good things will be in the future keeps us satisfied. For example; if we are successful, we have been blessed. If we have bad luck, it's God's will and there is a good reason for it. Either way, with a positive attitude,[link widoczny dla zalogowanych], we remain psychologically happy all the time. It's a win-win situation.
Since I am always attempting to build bridges across our various beliefs, hoping that we can come together in compassion and understanding, I will go out on a limb here and say that the First Noble Truth, as well as the statement that all is well if we believe that God has a plan for us, is no different. Both scenarios point to the fact that things won't always go our way, and this is okay; that there is a bigger plan beyond our individual desires.
When we think of others instead of only fearfully thinking of ourselves, wonderful things can happen with our faith. It is time for great changes in our way of thinking, a coming together that will bring peace in the world. The present system doesn't seem to be working well. We must find a way to be peaceful, and not fearful or violent or separate from our fellow human beings. We must find a way to really live what we profess.
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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The gift of growth and change can come from three places in our lives: internal (ourselves),[link widoczny dla zalogowanych], external (others), or circumstantial (events). We will explore how to recognize and get the most out of the gifts provided from each of these areas.
Even the darkest times in our lives force us to move forward with a strength we may not have known we had. A death, a fire, abuse,[link widoczny dla zalogowanych], loss of income, or a crisis can all seem confusing and wrong. But they often show us parts of ourselves we never knew we existed, change our perspectives, and help us re-evaluate our priorities for the future. Even if the events are of a nature that we would change if we could,[link widoczny dla zalogowanych], we can look for ways to grow through them and come out stronger and better people on the other side.
Sometimes the gift of growth from someone else does not feel quite as benevolent, such as when we receive constructive criticism or a difficult performance review. But when others are taking the time to point out areas where we can improve, instead of becoming defensive and angry, it may be in our best interest to instead thank them for a different perspective on how we are doing. Despite the initial feeling of defeat,[link widoczny dla zalogowanych], feedback from others is a gift to be taken advantage of to become the best version of ourselves we can be.
When someone offers to help,[link widoczny dla zalogowanych], or provides constructive criticism,[link widoczny dla zalogowanych], try to listen in the context of your own growth and the person you want to become. Will the assistance or taking on board the feedback help you to achieve what you want to accomplish in your life or career, or become a better version of yourself? Will it ultimately help you move forward? If so, accept it like the gift it is.
The capacity to grow and change is a gift to our current and future selves. When we expand our minds, we expand our horizons and therefore our possibilities. With the ability to change comes the potential that what appeared impossible before may suddenly become possible.
External (Others)
The gift of growth can come from within, in a compelling urge to learn something new or overcome a hurdle. It may appear as a fascination with something, or unbridled excitement, where the feeling drives us forward sometimes without even knowing why we need to learn more about the topic. Or it may occur as frustration with something we are not good at or can't master; a determination to overcome the challenge and accomplish something new.
In either case, when we feel that inner drive to make something different happen in our lives,[link widoczny dla zalogowanych], we would be wise to listen. Those feelings of excitement, frustration, determination, or fascination are our very human way of telling ourselves that we are ready, willing, and able to grow and expand ourselves.
By Lauren Still - Careerevolution Group
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Some gifts in our life are obvious, while others are obscured from view unless we are looking for them. Keep your eyes open for the gifts yourself, others,[link widoczny dla zalogowanych], and circumstances are putting before you, and then embrace them as ways to grow more fully and more quickly than you might otherwise have done. Your future self will thank you.
Internal (Ourselves)
The impetus for growth and change can also come from someone else with benevolent intentions, such as a mentor who takes us under his or her wing, a parent who pays for an education, or an organization awarding a scholarship. These are all examples of others urging us forward to achieve greater knowledge and experience. Are you someone who can freely accept help and advice when it is given?
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Finally, events and circumstances can provide us with the means to grow,[link widoczny dla zalogowanych], whether or not we want to. A re-organization at work, a relocation,[link widoczny dla zalogowanych], a new influence in our lives - these can all be catalysts of change and growth.
Circumstantial (Events)
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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Incheon International Airport saw a record number of passengers pass through the facility on Saturday amid the peak vacation season,[link widoczny dla zalogowanych].
According to figures released by the airport on Sunday,[link widoczny dla zalogowanych], nearly 116,[link widoczny dla zalogowanych],000 people walked through its departure and arrival gates on Saturday,[link widoczny dla zalogowanych], breaking the record of 111,[link widoczny dla zalogowanych],000 set in 2007.
The large number of travelers this year is seen as a reflection of Korea's recovery from the global economic recession,[link widoczny dla zalogowanych].
The airport says it expects the average number of passengers for the peak season of July 24 to Aug. 10 to hit well over 100,[link widoczny dla zalogowanych],000 per day,[link widoczny dla zalogowanych], and suggests that travelers come earlier to avoid heavy passenger traffic.
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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Article 4: WHY is comprehension of paramount importance to self-employment?
copyright (c) 2008
Next section 5 arrives tomorrow
A hungry animal is placed in a cage equipped with two mechanisms: a response that can be activated by the animal and a container designed to receive a fixed quantity of food or liquid. Based on responses exploration of the environment presented by the animal, the investigator gradually leads a unit of behaviour under the control of reinforcement.
In the experimental paradigm of operant conditioning,[link widoczny dla zalogowanych], there is no causal relationship between the response and strengthening before packing.
Feel free to contact me on 00 44 (0)7999 579 135 if you have an interest in my products, service, or share my vision.
Your business coach, or success guru, should have at least basic understanding or qualification in the area of behaviourism. There are two types of conditioning, each displays a different behaviour, classical conditioning, and operant conditioning
Constructivism reflects an ancient philosophical tradition founded on the premise that, in order to construct comprehension, we must use reflection during and after carrying out certain moral duties in our society, so that we make sense of our world. We do so by using our subjective ideas, intuition,[link widoczny dla zalogowanych], and particular mental rules to give meanings to our experiences. Learning is then a nothing more than making room in our mind to cater for upcoming new experiences
Instruction
Instructions, as far as the theory of constructivism is concerned,[link widoczny dla zalogowanych], educators centre their attention on linking connections between facts and fostering new comprehension in students.
Instructional Design
Instructional models are simply steps for which a qualified teacher designs for his/her learners,[link widoczny dla zalogowanych]. Adequate instructions are based on learning theories such as the following:
• Constructivism
• Behaviourism
&#8226,[link widoczny dla zalogowanych]; Piaget's Developmental Theory
• Neuroscience
• Brain-Based Learning
• Learning Styles
• Multiple Intelligences
• Right Brain/Left Brain Thinking
• Communities of Practice
• Control Theory
• Observational Learning
• Vygotsky and Social Cognition
Note: have you been given specific attention by your coach, or mentor, to find out what makes you move forward to achieve your goal, or what makes you move away from the goal you desire to achieve, and why? Make sure a qualified teacher with some basic understanding of psychology coaches you. Otherwise, save your money.
Article 4 'The Psychology of Comprehension' Section 4 of the sample chapter of the book entitled 'The Psychology of Rapid Self-Employment Achievement Plan, Personal Development & Diet Achievement Guide Under One Roof'
In other words, the answer chosen by the experimenter, activate the response, followed by the granting of a little food. It will then repeat the animal's response with a probability of occurrence will reach a stable level as long as it is followed by reinforcement. The unit of behaviour and installs or effective response,[link widoczny dla zalogowanych], is functionally linked to its consequences, or reinforcement.
Let us look into each of them briefly, but not all of them. We want to focus on the first and the second principles of the instructional design. Tomorrow, we can tackle the other principles, to help us ' comprehend' the power of conation, and how to apply it to the psychology of Rapid Self Employment Plan. The comprehension of the conative principles are of paramount importance to the the neuropsychology of achievement.
For example: classic conditioning is known as reflex and stimulus. The universal known example is Pavlov's experiment, such as when the dog hears the bells,[link widoczny dla zalogowanych], it means to it, that food is coming, thus it begins to salivate. Like anchors, in human, an old cherished song either make you happy or sad, because it reminds you of a past event. So, most people behaviour is wired to an emotional biology of certain past events, and triggers behaviour accordingly.
Do not read consecutively as you would a novel; but take notes, reflect
and then follow the propositions in a curious way please.
Examples: The experimental paradigm of operant conditioning is as follows:
Reading
D.C. Phillips & Jonas F. Soltis, Perspectives on Learning, Chapter 3.
By Andre Zizi
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Behaviourism is the idea that both animal and human cognition (learning) are observed from the outside, by just observing their behaviour, behaviourists claim to be able to predict the kind of action a human,[link widoczny dla zalogowanych], or animal will display. Behaviourists don't believe that there is any mental states, mental events, that help the observer predict the animal or human action. Behavioural theorists define learning as nothing more than the attainment of new behaviour. Experimental behaviourist identify a reason for repeated or automated behaviour,[link widoczny dla zalogowanych], we can all relate to,[link widoczny dla zalogowanych], called 'conditioning'
3. A qualified coach or teacher must have psychological knowledge of the mental states that the audience use to perceive the world and the opinions they construct to support those mental states.
Why should you pay £1000's of pounds or dollars, for a course, which is going to leave you with no record of achievement or with no qualification? I have known people who paid £7000 + VAT for a weekend course that left them totally confused at the end of the success seminar.
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The Steps You Must Take to Escape the Rat Race Before You Get Fired or Pension Scammed
Operant conditioning links an association between behaviour and an outcome. This occurs on neuro association level.
When I am about to deliver a success course, I tailor my teaching strategies to student responses, catering for their particular need, not by telling them how they should live their life, but by encouraging them to use critical thinking, analyze, interpret, and predict outcome.
Please take care in your search of knowledge, wisdom, and affluence
Although most of our behaviour is unconscious, it becomes conscious upon reflection, or when someone points out our reasons for moving toward, and moving away from a goal, duty or a task, and it is driven by our neuro association of pain and pleasure, and reinforced by our biological emotions. As I said earlier, behaviourists don't consider mental events.
Any course you join, must influence your learning positively, should be customized to your prior knowledge, and must stress hands- problem solving.
Assessment
Assessment procedure in the theory of constructivism provides freedom to self assess, and doesn't point fingers to faults,[link widoczny dla zalogowanych], but identify areas of improvement, or adding value to the decision making, or course of action, to empower and enrich the desired outcome. Like in Education, self-assessment must be part of the learning process so that you can play a larger role in judging your own progress.
Please take care in your search of knowledge, wisdom, and affluence
As a teacher, I also display open-ended questions and promote all-embracing dialogue among students. I help them consider various options to decision making, consider the consequences of each decision making, weight the pros and cons of their desired outcome,[link widoczny dla zalogowanych], and let them choose from the most likely successful course of action
4. The core substance of learning is for an individual to construct his or her own meaning, not just memorize the "stuff" or the answers, or repeat someone else's meaning. Any system of education must provide valuable way to measure learning, and business gurus or success coaches must help you with reliable assessment form part of the learning process, to ensure that you have record system about the progress of your learning.
Behaviourism
In Pavlovian conditioning, the body undergoes the answer. In packaging Skinnerian, it affects the community. In other words, a formal response or Pavlovian is controlled by events that precede it, a response type of operating is controlled by its consequences.
The component rules of constructivism:
1. Learning must be meaningful. For that reason, learning reflects the issues around which you are actively trying to construct meaning; otherwise you would not bother learning.
2. Meaning necessitates all around comprehension of what you are learning, and not just part of it. For that reason, the learning development centre around primary concepts, not isolated facts.
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

[auosyfoai]

Honda Motor said Saturday it will recall 528,[link widoczny dla zalogowanych],000 vehicles worldwide due to a brake fluid leak that could lead to a loss of braking power.
The affected vehicles are Odyssey minivans and Acura RL sedans produced between 2005 and 2007 in Japan. Of the vehicles subject to the recall,[link widoczny dla zalogowanych], 470,[link widoczny dla zalogowanych],000 were sold in the U.S. The two models were not imported to Korea.
It is Honda's sixth massive recall this year alone,[link widoczny dla zalogowanych], bringing its total number of recalled vehicles so far this year to over 2.5 million.
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

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What is Clearing?
To start with, let’s define what clearing is and who is eligible for this scheme. Clearing allows students to apply for courses that still have empty places. The students eligible are those,[link widoczny dla zalogowanych], who got rejected from the universities they chose, who missed the UCAS deadline, or who have declined the places that universities offered.
Clearing can often seem like a bit of a scramble. It’s important not to rush in,[link widoczny dla zalogowanych]. Follow these ten simple rules for the Undergraduate Clearing 2011 that will help you to make the right choices and find your clearing places.
1. First of all, be honest about your chances of securing your first choice. If you think you might end up in Clearing, do some research via university websites before results day.
2. If your results didn’t go to plan, speak to the teacher that is responsible for UCAS applications. They will have advice around the Clearing process and can help you.
3. After collecting your results,[link widoczny dla zalogowanych], you can confirm your eligibility for Clearing via the UCAS website. Your Track page will have the information you need.
4. Use the UCAS website, The Independent, The Independent on Sunday or The Guardian to get the full clearing list.
5. Remember you can apply for a completely different course at a totally different university if you wish. Check out open days and websites to help you choose.
6,[link widoczny dla zalogowanych]. Research the course and the universities,[link widoczny dla zalogowanych]. Think about reasons why they should take you,[link widoczny dla zalogowanych]. Put a positive spin on your results and think about relevant experience,[link widoczny dla zalogowanych].
7. You must take responsibility for your own future and talk to universities yourself. They may ask questions about interests and motivation that only you can answer,[link widoczny dla zalogowanych].
8. Don't forget the university needs to have offered you a provisional place. Don't just enter the number of a course you like. You must contact them first.
9. Wait for confirmation. The university and UCAS will contact you with conformation,[link widoczny dla zalogowanych]. You can always try another option if unsuccessful,[link widoczny dla zalogowanych].
10. Confirm with your new university that you'll have access to accommodation. Then it’s time to relax and celebrate.
When does Clearing start?
Clearing
starts in August, when the A-level results are announced, and goes on until the end of September. Please note, this year clearing starts on August 18.
If you happen to get into Clearing,[link widoczny dla zalogowanych], do not get upset. It is always worth taking a risk, as one never knows how clearing can end up. Sometimes students find those courses that suit them even better than their first choice!
Good luck!
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By Mark Spencer
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

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By Thea Westra
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Decisions must be made. A real decision is measured by the fact that you have taken a new action. If there is no action, then you really have not decided. Check in with yourself. Have you honestly made a decision regarding your dream? If not, then make one. Either completely drop the goal or get on ahead full-steam with it.
Dreams need wheels, foundations,[link widoczny dla zalogowanych], and time lines. Begin incorporating daily actions and habits to move you forward. Set up files, folders, calendars and other structures for being able to immediately collect material and information that you need for your projects. Set short and long-term timelines for specific phases, and for specific completion points. Then live your days toward those dates of completion, and targets that are easily measured.
At some stage, when you notice that the goal you have created is not for you, then at very least do it for others. Create a purpose outside of yourself, if your own is not yet strong enough. You will build the muscles you need as you step forward. Collect all the crutches you can until you have generated some personal momentum. Soon the goal will again be yours and will no longer feel foreign to you.
Build in structures and systems that keep the dream alive over extended periods of time. Add props like quotes,[link widoczny dla zalogowanych], images and posters in your daily surrounds. Have pop up messages on your computer, use the screensaver area on your screens, and add material to inspire you. Include supportive friends who know about your intentions, so they will ask you about it each time you speak. Ask for lots and lots of help with all the things about which you do not yet have enough knowledge. Hear the voices of experience around you.
Never use time as your excuse. Wedge dream projects into your current lifestyle, and commitments. Even if you crawl forward at ten minutes each day, do something every day toward that end goal. When you go to sleep each day, rest yourself in the knowledge that you have done something that day, to move you closer to your dream. At some time during every day, put one foot in front of the other toward that dream. Slow is better than never.
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Have big reasons for wanting to achieve the results you declare. Make these reasons large enough and truly heartfelt, so that they ignite passion and strong emotion behind your dreams. You need to always be able to instantly get in touch with wonderfully powerful feelings about your dream goals. Those emotions will inspire consistent action and will inspire others around you. You will need those inspired friends on the days you feel a bit too flat for taking action.
Build on positive results, and create some wins for yourself. Each time you win a little victory over yourself,[link widoczny dla zalogowanych], you create impetus for moving forward even more. It helps you to grow, and become the person you must become for having that dream live for you. There will be changes, this is inevitable when working toward a big dream and when growing into the person who is to fit such a large dream. Allow,[link widoczny dla zalogowanych], accept and actively encourage that level of personal growth.
I heard that line - dream beyond the common order of things - in an advertisement for tea, of all places. Yet the words jumped out at me like a vivid memory. I know that I have had many times in my life when I have created things bigger than I thought I knew how to achieve, and personally produced results that even left me in a state of bewilderment about what was possible for my life.
All the points listed above are by no means a comprehensive collection, or a complete formula for success. They are purely a few things to consider and check in with, if you are up to some big things in your life. Throughout them all is the common thread of managing yourself. Watch the language you use, and how you speak with yourself. Live with awareness and recognize the many faces of fear. Continue to build harmony in your every day living. Never lose touch with the miracle and dream life that you already live. Inhale gratitude with every breath. You have today as a gift,[link widoczny dla zalogowanych], now go spend it!
This article lists a few of the thoughts that came up for me as I recalled a few monumental achievements in my own life,[link widoczny dla zalogowanych], and I write them here with the intention of making a difference to the life of somebody else, who may read these words. These pointers,[link widoczny dla zalogowanych], about living out your dreams, are not in any particular priority order. They are simply a collection of random thoughts that I know to be true, about accomplishing large goals.
Reach for those stars, there is no mud up there. Keep your eyes focused on the end prize, in fact,[link widoczny dla zalogowanych], a little way beyond where you say you want to be by a particular time. If you shoot a bit beyond the desired end result, then you are sure to arrive at your intended destination.
Have you ever experienced those moments? They are well worth revisiting and building on. They are your key to producing such results again,[link widoczny dla zalogowanych], if you still have some more big dreams to accomplish. If you have achieved something in your past, it means that you can achieve it (or something similar), again in the future. You now have the tools you need, and cellular memory of what it takes to create anything outside of yourself.
If you have a massive goal and you are continually procrastinating, perhaps this is indicative of a misalignment somewhere in your life. Is there something that is not in integrity with who you believe yourself to be, or is there something for which you haven't forgiven yourself. Those are the areas that must first be cleared up, to enable forward movement.
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

Pretend you're seated across from me at a kitchen table on a hot summer evening with June bugs bouncing off the screens and distant heat lightning in the horizon.
I think a lot of it has to do with the fact they respond to your inquiries with a personal touch. They take the time to email you - not just send a cold impersonal autoresponder message.
I liked listening to them talk on those evenings - sort of reassuring in a sense. I could feel they trusted each other. The words flowed freely - there was no pretension. Just two people sitting across the table from each other - one a seller, one a buyer.
How do we get that same feeling of "one on one"? Why do we "connect" with one person but not another? After all,[link widoczny dla zalogowanych], we really don't know anyone we haven't met,[link widoczny dla zalogowanych], do we? What IS that "spark" that ignites the "fire"? Why do we "connect" with some people and not others?
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Be interactive. Let people know you're a real person on the other end of that mouse.
There would be much interaction, lots of body language: an eyebrow raised, a gentle pounding of the palm of a hand on the table to emphasize a point,[link widoczny dla zalogowanych], or maybe rubbing an ear when trying to put a thought into words as a question, lips slightly askew; chuckle thrown in here and there, and even a loud guffaw erupted occasionally. If you didn't know differently, you'd have thought they were "old friends."
Maybe soon they'll have all the time in the world! But it won't be on the internet.
What makes you trust one person yet not another? I mean "really". Here's how I, a Newbie, see it.
Ever unsubscribed from a newsletter because you don't have a clue who the editor is? There's no mention of a name,[link widoczny dla zalogowanych]? I have.
When it broke up, the salesman was happy with a sale, and my Dad was happy knowing he would soon have the product he needed for his business. They'd shake hands,[link widoczny dla zalogowanych], and that was that. Everyone was happy.
Ever come across a great looking site and sent them an email complimenting them,[link widoczny dla zalogowanych]? Perhaps even feeling so "fired up and bold" that you throw in a question asking for a little help,[link widoczny dla zalogowanych]? I have. Still waiting for a reply,[link widoczny dla zalogowanych]? I am,[link widoczny dla zalogowanych].
So, NOW, on to the internet.....
Why do you join a program or two? Is it because somehow you seemed to "connect" with the owner(s)? You just "feel" you can trust them, right? Why?
I grew up on a dairy farm in the Midwestern United States. Often in the evening when my Dad and brothers were done with the "after-supper" chores, salesmen would often come. My Dad invariably knew them by their first name. They were selling everything from soybean and corn seed to grain bins to hail insurance and more. You can imagine.
This article may be reprinted as long as it remains unchanged and includes resource box. Notification by email is appreciated.
I've found so many kind and helpful people on the internet, and I often wonder what "IT" is that causes that.
What makes one person's "word" believable? Remember that saying, "A person's only as good as his word"? My Dad always said that when I was growing up, and my husband says it to our two sons.
How long does it take for someone to send a simple email? A "thank you" or even an acknowledgment that they've received it and will get back to you as soon as they can,[link widoczny dla zalogowanych]?
*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
Ever emailed (to their personal email address) after receiving an autoresponder message and waited for a reply that never came,[link widoczny dla zalogowanych]? I have. Did you continue any further? I didn't.
I was little then, and I remember them sitting at the kitchen table. It was summertime, so I could stay up later. June bugs were bouncing off the outside of the screens, and sometimes there was distant heat lightning in the horizon.
By Mary Holzrichter
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

The first step to tuning in is to take time each day to quiet your mind and listen to your heart. The easiest way to quiet your mind is through focused breathing. By focusing on slow, abdominal breathing for at least 15 minutes, the space in your mind expands, allowing greater access to the Qs that are there to guide you to a better life. Don’t worry if thoughts get in the way—simply refocus on your breathing to increase the space. Once you have the space to tune in, you are then ready to ask.
Once we understand Qs, we realize that coincidences are often the greatest tools to lead us forward. A funny example occurred with Theresa’s daughter, Sophia. One night, while watching television, Sophia asked her mother whether she thought it was a good idea for Sophia to go to Disneyland over spring break. Just as she finished the question, the shout of a group of football players who’d just won the Super Bowl leaped out at them from a TV commercial,[link widoczny dla zalogowanych], saying,[link widoczny dla zalogowanych], “I’m going to Disneyland!”
The moral of the story is not to be attached to how the outcome should look. In fact, one of the most common forms of Qs comes in coincidences.
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Now that you have a basic understanding of the process, sit back, tune in, and ask your question. Then wait and listen for the answer without attachment, and experience your life unfolding simply and perfectly by following the Qs that the universe so willingly provides. The wisdom of the ages will guide you. When you receive what you perceive as an answer, ask for validation in the form of two or more Qs to convince you that this is,[link widoczny dla zalogowanych], indeed,[link widoczny dla zalogowanych], the right way to go. Then relax, stay alert, and trust in the answer that comes. Herein lies the key to a life filled with purpose, love, and joy.
Forms
Have you ever wondered why some people’s lives seem to unfold effortlessly while others face one disaster after another? Is it simply fate, or are there ways of controlling and improving the outcome of one’s life? By understanding the laws of the universe and the capacity of personal power,[link widoczny dla zalogowanych], you can tap into this power and create a life filled with blessings, joy, abundance, love, and wealth—truly, anything your heart desires.
St. Peter responded, “John, I sent a car,[link widoczny dla zalogowanych], a boat, and a helicopter to rescue you, but you declined them all.”
Before the flood arrived a man drove by and offered John a ride to safety. John smiled and said, “Thanks for the offer, but St. Peter will save me from the flood.” When the waters began rising,[link widoczny dla zalogowanych], a man on a boat rowed by and offered John a ride. John replied,[link widoczny dla zalogowanych], “Thanks for the offer, but St. Peter will save me.” A few hours passed, and the waters became so high that John had to get on the roof of his home. A helicopter came by and dropped a rope down for John to climb up. John yelled, “Thanks, but St. Peter will save me.” The helicopter left, and John waited. The water kept rising, and eventually, John drowned.
When John got to heaven, he was greeted by St. Peter. John angrily said, “St. Peter, I trusted you to save me. Instead, you let me die.”
The amazing thing about Qs is that they come. All you need to do is listen and trust. Once you practice tuning in and asking, it is imperative to learn how to recognize the answers and the various forms in which they come.
Signals
Coincidences
By Theresa Cordova and Annette M. Bau
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Asking
Many people would chalk this up to a funny coincidence. However, many answers come precisely in that form. As we learn to pay attention to coincidences as Qs, our lives receive answers and direction. The way becomes clear and smooth. Sophia knows this. She chose to follow her hunch,[link widoczny dla zalogowanych], went to Disneyland, and had the time of her life.
One of the biggest challenges is not becoming attached to a particular form in which Qs come. We may have expectations of how Qs should look or what messages they should convey. An illustration of this is the story of St. Peter and John. Whenever John had a problem, he would call on St. Peter. When John heard that a flood was coming, he was not afraid because St. Peter had always provided him with guidance and protection.
The first step is to understand the Power of Qs (cues). Qs are life’s signals that lead us to transform and transcend the daily struggles and thoughts that often misguide our direction and leave us feeling frustrated and unhappy. Qs are readily available to guide us toward greater health, wonderful relationships, and abundance in all we do. But how do we recognize these Qs? You may find them in the form of hunches, thoughts,[link widoczny dla zalogowanych], ideas, insights, and intuition. They arise within us and outside us; they appear in multiple forms. They may come from people delivering messages, words said on TV, in movies, or in newspapers, or through the vibrations of nature. There is no limit to the Qs we are given or the ways in which they come. Our job is learning to recognize and receive them. While they are always present (whether we recognize them or not), the key is to improve one’s ability to catch the numerous Qs that come our way. To receive Qs, we need to develop the capacity of tuning in.
Tuning In
John stood in shock and replied, “I thought you were coming to get me; I never considered you would send someone else.”
** This article is one of 101 great articles that were published in 101 Great Ways to Improve Your Life. To get complete details on “101 Great Ways to Improve Your Life”, visit
Signals are another form of Qs in the universe. We may be on a particular course and we start getting signals—either everything seems to click, or nothing clicks. We may believe we are supposed to pursue a career in interior decorating, but nothing is coming together, and all the while, Qs are directing us toward becoming a builder. Pay attention to signals because they direct us to the perfect situation. When we don’t pay attention, we often move in the wrong direction and find ourselves miserable, losing self-worth and money, and often, losing hope. Remember: the struggle is the problem. Qs in the form of signals tell you when your direction is right or wrong.
Wait, Listen, and Trust
Whether you have a question about a relationship,[link widoczny dla zalogowanych], money, or a new job, the key is to simply ask and wait to see the results. For instance, if you are contemplating a new career, ask the question, “What is the perfect career decision?” Then, without attachment to the outcome, wait for the Qs that will lead you to the answer.
The Power of Qs
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

Genres: Drama and Sports Running Time: 121 min. Directed by: Kim Tae-kyun Starring: Park Hee-soon,[link widoczny dla zalogowanych], Koh Chang-seok Synopsis: After a series of pipe-dream ventures go belly up,[link widoczny dla zalogowanych], a retired football player happens to visit East Timor,[link widoczny dla zalogowanych], where barefoot children play football on rocky pitches. There he gets another business idea: selling football shoes to kids. East Timor has no sporting goods stores,[link widoczny dla zalogowanych], so he would have a monopoly. But since no one there can afford to pay US$60 for a pair of shoes,[link widoczny dla zalogowanych], he finds himself spending all day chasing away flies. His last sales pitch,[link widoczny dla zalogowanych], a two-month installment plan,[link widoczny dla zalogowanych], lands him in a dusty playground as a coach for ragged 10-year-olds. And there begins a heartening experience for him.相关的主题文章：


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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

Seek Women Who Welcome the Beauty of Gray
I love to see women "Loving their gray!" It inspires hope! Courage! Timeless beauty! As Jamie Lee Curtis shares,[link widoczny dla zalogowanych], "What am I hiding?" Helen Mirren looks fabulous and we have plenty more mentors embracing the beauty of gray. What does it mean to you? Old and approaching death? Or experience, beauty,[link widoczny dla zalogowanych], and still going strong? I'm loving the latter. When you're tempted to obsess over your roots,[link widoczny dla zalogowanych], call a friend who welcomes the beauty of her gray.
Seek Women Mentors With Healthy Bodies
Whether you find women you know or those out in the world,[link widoczny dla zalogowanych], seek to learn from women with healthy bodies. Forget what she weighs and the size of her jeans. How healthy is she? What does she eat to give her skin a glow? Why do her eyes shine? What super foods make her feel super? Let go of the "Dress size equals happiness," mantra. "Health equals happiness." When your body feels good, you'll feel good.
Imagine a world where women 40, 50, and 60 love who they are? Well,[link widoczny dla zalogowanych], imagine no more. Here are a few ways you can drink from the fountain of real happiness. Advice for women who want to maintain a healthy self-image.
Copyright 2011,[link widoczny dla zalogowanych]. Asia Sharif-Clark. All rights reserved.
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By Asia Sharif-Clark
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Whether you are 40, 50, or 60, you can maintain a healthy self-image by realizing your beauty lies in how you feel. When your body feels good, you'll feel good. And, with the support of a mentor, personal, or out in the world, you'll do wonders. You are the only gift of your kind, in this world. The next time your inner voice wonders "Am I good enough?" Don't wonder. Just say, "That's like asking, does the sun really shine?" Of course it does. And,[link widoczny dla zalogowanych], yes, you certainly are.
There's a secret fear many women embrace: they will never be good enough. No matter how hard they try, to stay fit,[link widoczny dla zalogowanych], lose weight, lose the gray,[link widoczny dla zalogowanych], and anything else the world sees as vital to happiness, it's tough to keep up. The psyche suffers. Or does it?
Seek Women With Healthy Minds
Women with healthy minds have a magic ingredient: they know their real value. They understand their world contributions are more important than their physical attributes. Women with healthy minds are solution minded: always searching for ways to enhance the world. Not diet minded. You are more than your hips, hair, and thighs. Make up doesn't make you. Find a woman with a healthy mind and you'll find a woman who's working for a higher good. Connect with women who share interests and causes similar to your own. Gravitate toward women who love discussing solutions and ideas, rather than surface topics or other people. Move your conversations to authentic,[link widoczny dla zalogowanych], real, heartfelt topics. "How can I offer solutions in my community?" Think deeper. Think richer. Spend time with women who have lived and loved a while. They'll have stories, solutions,[link widoczny dla zalogowanych], and smiles to share. Try it. Your life will never be the same.
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

1. Be Organized~ There is a place for everything and everything in its place. Disorganized people waste large portions of their lives searching for things. Plan your time and stick to your plans,[link widoczny dla zalogowanych].
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4. Improve Personal Efficiency~ There are two ways which contribute to inefficiency. First, is work expands to fill the time you allotted for your task and second, is if something can go wrong or can interrupt,[link widoczny dla zalogowanych], it will. Combating these will improve efficiency. The first one can be neutralized by reducing the time for each task,[link widoczny dla zalogowanych], and the second one cannot be totally neutralized,[link widoczny dla zalogowanych], but being prepared is the best defense. Prepare your mind and remember to acknowledge and move on.
2. Set Realistic Expectations~ Most people fail at managing time because they try to do too much within a given period of time. Each day pick 5 things that can be done and stick to those. If you bombard your mind with all that you have to do, you will not accomplish any of your tasks. All your goals or intentions must be measurable, attainable,[link widoczny dla zalogowanych], relevant and time related.
3. Reduce Wasting Time~ Wasted time cannot be recovered. Relaxing is good for restoring energy. Too much of relaxation is not good. Idling, either deliberately or inadvertently,[link widoczny dla zalogowanych], when you have a task that you need to accomplish is even worse. There are many occasions in life where waiting is part of accomplishing a task. Acknowledge the wait and move on.
Changing of the clocks makes me think about how much we try to manipulate time. We do everything we can to change the process for just alittle more time. We get up earlier and have more time. NOW you have more on your plate because you have more time. It is a viscous cycle. We are constantly grappling with time, and may struggle with ourselves. But beneath our relationship with time is a more powerful word: TIMING. Timing is about the natural sequence of things, about noticing,[link widoczny dla zalogowanych], waiting and taking action. By understanding timing, we realize we can control our raft but not the river. Circumstances change and we know when to throw ourselves into our work and when to place family and friends first. Awareness of timing helps us shift through phases of our lives. Awareness can be learned. It just takes some practice to learn to live in the present.
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5. Be Determined~ No amount of skill, training and tools can replace the feeling and accomplishment of sticking to your values and reaching for your goals. Commitment to you and your goals is what moves you forward leaving the old behind.
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.

[auosyfoai]

When it comes to talking to any prospective client, whether you're in line for a one-off project or ongoing work,[link widoczny dla zalogowanych], it pays to be as thorough as possible in finding out everything you need to know, do,[link widoczny dla zalogowanych], or have to play the game right.
Serial entrepreneur Sarah Stedman sidles up to the organic snack bar to meet with an exciting potential client she's wanted to pitch to for a long time. She's feeling smart, sassy and super-energized after a hard morning workout. She has her best suit on, her new haircut has taken 10 years off her face, and she has, what she considers, a dynamite proposal sitting in her sleek, black,[link widoczny dla zalogowanych], soft briefcase.
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By Karen Keller
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Don't be wishy-washy. A confident,[link widoczny dla zalogowanych], professional manner is a must. If your research and presentation is impeccable, so should your business etiquette. Choose your words wisely. Show that you really understand their needs and that you're not just looking for a sale, but to form an ongoing business relationship forged on clear understanding, communication,[link widoczny dla zalogowanych], and shared goals.
Go the extra mile. Besides gathering information from your prospect and possibly their colleagues, scour the Internet to see who their competition is. Find articles written about the issues they're dealing with. Start hanging out in the professional places your prospect goes to like networking events,[link widoczny dla zalogowanych], fundraisers, conferences, and meetings. Interview other people in similar positions or at similar companies. Tell them you're doing market research. Most people are quite willing to give you a few minutes of their time, and you‘ll be further educated in the process.
When courting prospects, that know, like and trust factor comes into play big time,[link widoczny dla zalogowanych], so make sure you present yourself accordingly. Don't fall into the trap of thinking you know it all. Double-check everything,[link widoczny dla zalogowanych], and even have an objective reviewer like a business coach look at your material before the big day. Like Sarah, if you don't do your due diligence, you might just find what seemed to be a sure thing slip right through your fingers.
Present just the facts ma'am. Most people in business have very busy schedules,[link widoczny dla zalogowanych], so make sure your presentation is as short and to-the-point as possible. Use industry terms and buzz words that speak to them in their language - but make sure you understand that language! Tell them both the features and benefits of why utilizing your services will improve productivity or their bottom line. Add case studies if possible. Again, be brief.
Do your homework. You have to be able to demonstrate that you understand who your prospect is,[link widoczny dla zalogowanych], what their business stands for, who their customers are,[link widoczny dla zalogowanych], what keeps your potential client up at night, and why they should invest their time and money in your services. You can't leave any stone unturned in ensuring you have all the bases covered.
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.