See Monkey Do

This saying came to mind when readingone of the newsletters I receive. The author was discussing things that Chuck and I talk about all the time. A couple of weeks ago while listening to Jim Edwards’ audio newsletters he ranted about the “psycho freebie seekers” (love that name). Jim rants almost as well as Dennis Miller.

Anyway these two newsletters and what they had to say have been rolling around in my head for a couple of days now. What came to mind is that people who run Internet businesses from their home are no different than those who ran businesses out of their home in the 80’s…..they don’t want to pay for anything. You would think with all the failed businesses they’ve had it would dawn on them that it is because they have done no research, no business plan, no determination on whether or not there is a market for their business in their vicinity. They don’t do mission statements. I could go on and on.

Unfortunately, too many people still think all they need is a computer, fax, and some business cards. In fact, they don’t even give out the business cards, they leave those in their office in nice little card files. A lot of good that’s doing them.

They will spend money on all the trappings but not on education, mentoring or consulting. As Chuck once said to me when I started my first business, and didn’t do any marketing “You will be the most organized business in bankruptcy court”. It was a wake up call.

As Jim and JL discussed, and Chuck and I run into every day, people want to pick our brains for information and answers. After all, they have been conditioned that IT’S FREE. They feel it is their right to do so.

The Internet especially has made people think that information is FREE. Yes, it is, but those of us who have niches, and have written books all put in a lot of time, effort, and energy in researching, writing and marketing our products. SO NO IT IS NOT FREE. We worked very hard to put together excellent products to the best of our ability and WE EXPECT TO GET PAID FOR THEM.

These individuals also have over inflated egos. “Who me, ask someone for help, and what pay for it. Oh, no I’m sure my way is the right way. People just don’t appreciate my great product (service or fill in the blank). I’m just as good, if not better than he/she is.”

It would never occur to them to pay someone to show them what is wrong. Or take a class, or purchase a book that might help. Nope, they say, it’s not that, it must be something else. It’s always some one else’s’ fault or some things’ fault, never theirs.

Unfortunately, the impetus for this behavior was fostered starting back in the 80’s when home based businesses were just starting to come into their own. Many of the magazines and publications of the 80’s (and now the Internet) fostered the idea that ANYONE can run a home based business. Remember those magazines that had little kits for Word Processing businesses, basket making, medical records, etc. People bought them, followed them. Some did well, but others couldn’t figure out why they didn’t succeed.

They didn’t succeed for several reasons. First, none of them did the basics, the grunt work. Checking first to ascertain whether or not this business was even a viable one in their area. If it was, checking out the competition, making up a business plan, a mission statement. Setting up goals for themselves for daily, weekly, monthly, short and long term. Setting up a publicity campaign, working with the different media, setting up a marketing plan, networking.

All of the things that those of us that have been in business did so that we can stay in business. We were not “penny wise and pound foolish! ” We succeeded, through a great deal of hard work, effort and hard knocks that we plan to get compensated for. We are not going to give it away for “free”.

Copyright 2003 DeFiore Enterprises

Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our “how to” Home Business Solutions Digest, it’s like having your own personal coach: mailto:subscribeHBS@homebusinesssolutions.com

Calculate Lease payments…it’s easier than you think

There is no uniform method in the car industry to calculate lease payments because many car manufacturers develop their own mathematics to calculate lease payments.
But, the two most widely used are the ones based on level payments and the one based on what is known as a money factor. And knowing how to calculate either one will help you equalize your negotiation challenge with the car dealer.

Most common…..level payments
In many ways this has a lot in common with any loan, or even a mortgage on a house. But a car lease is different because it has two parts, as follows:

The residual value
This is what the car will be worth at the end of the lease. Assume the car costs $20,000 and the lease contract states that at the end of the lease it will still be worth $12,000….that $12,000 is called the residual value. It’s the intrinsic value of what resides in the car. If the interest rate quoted is 4% then every year the lessee (that’s you) must pay the dealer $4% of $12,000 or $480/year, or $40/month.

Depreciation
If the car costs $20,000 and the residual is $12,000, what about the other $8,000? That’s considered a loan, and any banker (call one up and ask one……or use the Internet) will tell you from his little book that to repay an $8,000 loan in 36 monthly payments will cost $236.19/month.

Add that to the $40/month residual interest payment and you get the calculated lease payment of $276.19/month.

Money factor calculations
This concept embodies some smoke and mirrors. It is mathematically unsound but is used because it is easy to figure out without calling a banker and works fine for a 360month lease even it if it is slightly inaccurate

$20,000 car money-factor calculations
Divide the $ 8,000 loan by 36 (the term of this lease in months) and get $222.22. Don’t ask me why.

Then take the 4% interest rate, change it to .04 and divide it by 24. No one knows why to use 24, it just seems to work regardless of the number of months in the lease. Don’t ask why, just do it. If you ask your former high school math teacher about it he will faint when you tell him this money-factor method is widely used in the car industry.

This gives a money factor of .04/24 = .001666

Now multiply this money factor times the cost of the whole car of $20,000 plus the $12,000 residual (isn’t this really wild?) and we get .001666 x $32,000 or $53.33/month.
Then the total lease is $53.33 plus $222.22 or $275.55. Now you see that the money-factor calculation is really mathematics black art.

These two calculations, level payment and money-factor, are not precisely the same for several reasons. They differ only by $276.19 minus #275.55 or $0.64. The $40.00/month in the level payment method is based on a typical bank loan in which the payment is made at the start of the month. In a car loan it is usually made at the end of the month.

In addition, some car leases require the first payment up front, which also changes the dynamics from a 36-month payoff to a 35-month payoff.

Finding accurate residual values
This will take a little homework and shoe leather. The Internet may not be the best place to try to get this information. Surveys show that 60% of people looking to buy or
lease a car do some searching on the Internet. This has made the manufacturers less willing to disclose residual values. In fact, some of the Big Three (GM, Ford, Chrysler) will not print them in quotations previously offered by dealers. You have a legal right them (Reg. M Consumer protection, U.S.) before signing a contract. Ask for the residual value and it must be given, but likely it will be handwritten or verbal.

Residual values from the Internet
Although the Internet is jammed with car sites offering residual values, they are mostly approximations. The largest automotive database I know of ($50,000 annual license fee to use) offers differing residual values for each of four different geographical areas of the United States. In the Northeast U.S. it offers one set of values for the western half of a certain State and a different set for the eastern half.

Therefore the only reliable residual value is the one you get from the local dealer you intend to deal with. But this also can become confusing. For a while, Chrysler published a percentage residual for the car, but different percent residuals for any accessories you intended to add. So there was no single residual % for the entire car until all the accessories were added in, stirred and shaken, and out came a number. Divide that number by the MSRP and there was the residual percent. Good luck.

Internet sources for residual values
Residual values on the Internet are really an average. Manufacturers are uniform in not giving out residual values to third parties, so one has to wonder where the Internet sources get them.

Best source for a residual value
Depending on whom you lease the car from, use whatever means of calculation it uses.
Ask for it ahead of time, before you intend to appear and negotiate a price If you buy a Ford, you’re in for a surprise as it is rumored it uses still another method. But to get close to all of them use the level payment method described above.

To get the same answer as the dealer’s quote, always remember to add in the extras: license fee, first payment up front (sometimes) option to purchase, State taxes, fresh air in all the tires, and any other accessories.

Copyright 2006 by Beacon Data LLC All rights reserved

Ralph is an author of automotive articles for people who want to save money when leasing or buying their next car.
Visit his web site at www.autotruckdata.com Learn how to Calculate Lease payments and to
Calculate resale value and visit www.autotruckdata.com

Those of you reading this article looking for the latest lawyer joke will likely be disappointed in the text that follows. This piece is not meant to be yet another bashing session directed at the legal professional, but rather to give you solid information on how to avoid the common mistakes that even the brightest and most seasoned executives make in attempting to successfully work with and manage attorneys.

I grew up in a legal family, have been a managing director of a law firm, recruited and managed legal staffs as a C-suite executive and have dealt with many an outside counsel as an entrepreneur. I have both sued and been sued, and suffice it to say I know the good, the bad and the ugly about the legal profession.

As with any other profession there are excellent practitioners, middle of the road journeyman, well intended light-weights who try hard but consistently find themselves in over their heads, brilliant academics with no practical experience or common sense, and yes, there are a few rouges and scoundrels as well.

The reality is that most people that have a negative experience with the judicial system blame the lawyer. If the plaintiff or the defendant doesn’t achieve the expected outcome it must be the attorney’s fault, right? Wrong…If you retain the wrong lawyer that is not the lawyers fault, if you place yourself or your business in harm’s way because you didn’t recognize or manage risk, that is not the fault of the attorney who tries to help you and if you don’t manage the legal action and/or the attorney with the same attention to detail you manage other areas of your business that is not the attorney’s fault either.

Think about this…If you found out you had an operable brain tumor, but decided not to do anything about it until you actually started to observe diminished capacity and then sought out the cheapest doctor you could find (an experienced brain surgeon would be far too expensive) to conduct the operation how do you think you would fair? OK, it is a given that no reasonable person would handle the aforementioned scenario as described, but when it comes to legal work I can’t even begin to count the number of times I’ve witnessed someone wait too long to act or react and then rush to retain an attorney based upon little more research than the scrutiny of an hourly rate.

It is this author’s humble opinion that the truth about lawyers is that most people frankly get what they deserve. However if you adhere to the following best practices when entering into and managing an attorney client relationship you will fair better than most.

1. Hire the best legal counsel you can afford, not the cheapest you can find. As with any profession there is value in experience and knowledge as well as a competitive advantage to be gained with talent, reputation and connections. Never hesitate to get a second opinion as there are very few stock answers to a legal issue.

2. A lawyer is no different than any other vendor or supplier and they should be put through the same level of scrutiny (in my opinion a higher level of scrutiny) as anyone else in your supply chain. I adopted the practice quite sometime ago of putting my legal work out to bid through a managed request for qualifications (RFQ) and request for proposal (RFP) process. I assess my needs, identify my requirements and seek to find the best representation possible by having attorneys compete for my business on my terms.

3. General Counsel is fine, but only if they are managing the right specialist. A generalist cobbling together documents by pulling a template down from a Westlaw search is a far cry from having true subject matter expertise. All attorneys are not created equal. Hire the right lawyer at the right time for the right reason.

4. Along the lines of number three above, a smart attorney doesn’t necessarily translate into a good attorney. Just because someone possesses a J.D. doesn’t mean they have any practical experience. Most lawyers don’t graduate from law school with any formal business training and fewer have any real world business experience upon graduation. It is imperative that you select counsel who is not only a subject matter expert in his/her practice area, but that also has very sound business acumen. If an attorney is not fluent in my business they won’t be retained by me to represent my business…end of story.

5. The best way to manage your legal risk is to be proactive not reactive. Assess your legal risks and take aggressive and proactive measures to mitigate said risks. I developed the shortest legal mission statement on record and require any attorney who represents me to use it to as their operating mantra; it simply states: “anticipate and insulate”. The best defense is a great offense when it comes to legal work.

6. At the end of the day you must take an active role in managing your legal affairs. As a principal owner or senior executive the buck stops with you. You need to manage the attorney and the process to the best possible outcome and this cannot be accomplished with a passive management style. You can either manage the legal process or let it manage you.

As a consumer of legal services the phrase “Caveat Emptor” (Let the buyer beware) applies in spades. If you take an informed and proactive approach to managing your legal risk you will fair better than those who don’t. A plus might just be that if you hire the right attorney for the right reasons you may in fact end-up developing a strong personal and professional relationship that won’t end-up as subject matter for a lawyer joke.

Mike Myatt is the Chief Strategy Officer at N2growth. N2growth is a leading venture growth consultancy providing a unique array of professional services to high growth companies on a venture based business model. The rare combination of branding and corporate identity services, capital formation assistance, market research and business intelligence, sales and product engineering, leadership development and talent management, as well as marketing, advertising and public relations services make N2growth the industry leader in strategic growth consulting. More information about the company can be found at http://www.N2growth.com

These systems have become handy and a very easy to install. They are available at most electrical stores and these systems are easily configured to suit your requirements. These have been essential in our homes and their main functions are simply to trigger an alarm if disturbances have occurred whilst it has been armed. Basically these systems are used in our houses to alert us of any movement object in our houses and thus they have known to be cheap. They are also essential in the case that they can also alert us from anyone gaining unauthorized entry in our homes.

These security systems make use of a light and a laser sensor which when armed the system is activated and any disturbances to the light or laser it then triggers the alarm system. The main reason why these security systems are cheap is that even if you arm and you have pets such as dogs and cats in your houses ever y time it would trigger due to the disturbances caused by these pets. Most of these systems are battery powered and you would have to check the power meter consistently to ensure that the system is working because sometimes it may not even warn you on low battery.

More about security systems in this site

France and Paris, Paris and France. You’ll have a great time exploring Paris, but you’ll miss places like Bordeaux and St. Tropez if you don’t get out of the city.

Bordeaux

Bordeaux is both a city and the center of the wine region in France. As a city, Bordeaux is surprisingly bereft of things to see. One can find unique statutes, fountains and the like, but there isn’t really a particular location to mark of on your, “I saw that” list. The city is, however, a good place to relax, drink and eat. For relaxation, you can put around this low key town and take in food at the outdoor cafes in the Place de la Comedie. The specialty food of the region are canellas, which are very good. If you’re with the wine and cheese crowd, Bordeaux is going to seem much more exciting. The surrounding region produces wine by the mega cask loads and you can visit locations such as Chateau Mouton-Rothschild to smell and taste the grapes. Moderation is suggested as you want to avoid the grapes of wrath the next morning!

St. Tropez

St. Tropez has gone through roughly three stages in its history. Originally, the town was a little fishing village no different than others dotting the coast of France. At some point, however, it became the place to be for artist who had given up on Paris. No less than the painters Matisse, Signac and Seurat lived and worked in the town. Fortunately or unfortunately, those times have passed. While artist still populate the town, St. Tropez is now the hangout of celebrities and the wealthy. While still a beautiful location, the over the top glitz of St. Tropez is a bit much.

Once you get out of Paris, your options are wide open when it comes to exploring France. Bordeaux is definitely worth a visit while St. Tropez tends to be a take it or leave it destination. I left it.

Rick Chapo is with NomadJournals.com - makers of journals. Make sure to visit us to read our fly fishing section.

Are you thinking of buying a home? Or are you selling your home because you are relocating? If you are planning to do either, you will need to do a home inspection. Home inspections are necessity for anyone who wishes to buy new property or is thinking of selling, especially if the property is a home.

Home inspection is equivalent to a medical examination. If in a medical examination the doctor examines every part of your body, in home inspection, all the systems of your home from top to bottom are covered. These systems include the heating system, plumbing system, electrical system and the central air conditioning system (if you have one). Qualified home inspectors evaluate these systems that include other physical components such as windows, doors, ceilings, floors, walls and roof.

Some people may not find home inspection necessary. But if you try to consider the potential problems and costly disasters that come with impulsive purchase or sale, you will realize that home inspection is a wise investment. This can identify problems before they fully manifest, so that you can observe preventive measures before extensive damage occurs.

And since home inspection is crucial in buying or selling home property, a qualified person should do it. Choosing a qualified person for this procedure will ensure not only thorough results, but also reduce future complications. They should be able to determine the condition of your home and calculate the risk of any problems that may arise.

Some of the credible specialists on this field are from the countries leading association for home inspectors, which is the American Society of Home Inspectors.

Are you sick of public transportation? Perhaps you are tired of
having to walk to class in wet, cold weather? Maybe you need a
car to get to and from a new job that you just started. If you
are a student seeking an easier means of getting around, there
is answer! You can apply for a student car loan, even if you
have no credit or bad credit!

Student car loans have two major advantages! 1) Buying a car
will help eliminate all of your no-transportation headaches! 2)
Utilizing a car loan to purchase a new car will help build your
no credit or bad credit history into a positive one. Every
monthly payment you make for your car loan will be reported to
every major credit reporting agency.

I have no credit. How am I going to get approved for an auto
loan? With most car loan companies, being young and having no
credit is not a factor when it comes to granting approvals. How
come? Because a car loan is a secured type of loan. The lenders
are protected by the fact that if your loan goes into default,
they get your car.

What about bad credit? How do students get approved for a car
loan with poor credit? Same thing as getting approved for
financing with no credit! Students with bad credit should not
have a problem getting a car loan with bad credit because the
lenders are protected; you don’t pay, you lose the car!

What about interest rates? What can one expect with poor credit?
What kind of rates are associated with no credit car loans? The
interest rates related with bad credit student financing will
tend to be a little bit higher than interest associated with no
credit student loans. No credit loans with be slightly higher
than interest rates for student with good credit. However, no
matter what your credit is, if you make your payments in full
and on time, in about one year you can apply for auto
refinancing and achieve a lower interest rate for your car loan.

Do students need a co-signer when applying for college student
auto loans? Typically, auto finance companies will not require a
co-signer for loans up to $25,000. If you are a student, there
is no need to have a car loan for an automobile that costs more
than $25,000.

What about buying? Do I need to buy from a dealer? Can I buy
from a private seller?There are only a few auto loan companies
that offer the flexibility of being able to purchase from anyone
you want. Most finance companies work directly with dealers,
often only with franchised dealers. However, dealers will work
with you to find any make or model of new or used car that you
are looking for.

Getting a student car loan is not a hard thing to do. In fact,
as outlined above, it is pretty simple! Just make sure you make
your car loan payments in full and on time, every month!

“Hearing ‘reflective back talk’ from friends, colleagues, spouses, and significant others allows us to “true” ourselves in relation to their perceptions. With this input we can integrate our internal conversations with data from the external world to enrich the process of knowing ourselves better.” Warren Bennis and Joan Goldsmith, Learning to Lead

An elderly gentleman went to the doctor and with a complaint about a gas problem. “But,” he told the doctor, “it really doesn’t bother me too much. When I pass gas they never smell and are always silent. As a matter of fact, I’ve passed gas at least 10 times since I’ve been here in your office. You didn’t know I was doing it because they don’t smell and are silent.”

“I see,” the doctor replied as he examined him. When he was finished, he wrote a prescription and handed it to his patient. Take these pills three times a day and come back to see me next week,” he instructed.

The next week the gentleman was back. “Doctor,” he exclaimed, “I don’t know what medication you gave me, but now my gas… although still silent… stinks terribly!”

The doctor retorted, “Good! Now that we’ve cleared up your sinuses, let’s work on your hearing.”

An extremely useful step in our leadership development is seeing myself as others see me. So I need to understand their perceptions of my behavior. My effectiveness in leading, relating to, or working with others is highly dependent on their perceptions of me. I may not agree with what they see, but their perception is our reality. Those around me have an opinion of who they think the real me is. Their perceived “truth” becomes the way they treat me. Their perception forms their part of the reality of our relationship.

The discussion of perceptions is often a thorny one as we work with individuals, teams, and organizations to improve their effectiveness. For example, we tend to define levels of service or quality through our own eyes and values. That may not be the way our customers or partners define it. There is no objective definition. There is only the reality that I see, you see, he sees, or she sees. Our personal perception is our personal reality. There’s no accounting for taste. Everyone forms his or her own opinion no matter how wrong we may think it is. If we’re going to improve the service or quality delivered, we need to first understand how those we’re serving, or producing for, perceive service or quality.

Like beauty, service, quality, honesty, or integrity, leadership is in the eye of the beholder. I judge myself by my intentions. Others judge me by my actions. My intentions and the actions that others see may be miles apart. Unless I know that, I am unlikely to change my actions or try to get others to see me differently. I can become trapped in their reality and get very frustrated when they don’t respond to me as I’d like.

Getting feedback from others on our personal behavior is tough. It often hurts. The truth may set me free, but it will likely make me miserable first. When we get feedback, we nod our head to the positive and supportive statements that agree with our own views. However, when it comes to our weaknesses or improvement areas we take those to heart and sometimes dwell far too heavily on them. We can get ten rave reviews for work we’ve done and one critical comment. That one comment hurts. If we’re not careful, it can fester into doubts and a loss of confidence. As a result, the truth that may set us free of our less productive habits becomes the truth we prefer not to hear. That’s human nature. What stunts our personal growth and gets us stuck in a rut is when we refuse to hear any more of it. As a parent, boss, or appointed leader of some type, it’s too easy to hide behind our position and avoid feedback.

The wider the gap between our own perceptions of areas to improve and the feedback we’re getting the more we may experience the “SARAH process.” This approach comes from grief counseling. The first letter of each stage spell “SARAH.” The stages are Shock, Anger, Resentment, Acceptance, and Help. When I get open and honest feedback on how others perceive me, I may be shocked, angry, and resentful. But unless I accept that as their perceptions of the real me (their reality of me), I’ll never progress to the final stage of self-help or seeking help from others in taking action on the feedback and making the changes called for.

Human nature seems to endow us with the ability to size up everybody but ourselves. As painful as it may be, feedback is a big contributor to our leadership development. Feedback is often a key element in personal learning and improvement. It helps us to size up and see ourselves as others see us. We may not agree with the perceptions of others, but unless we know how we’re perceived, we stand little chance of improving our relationships and effectiveness with them. Feedback also gives us another opportunity to reflect on our behavior from the view point of others. It provides outside perspectives on the exploration of our inner space.
Not all feedback is valid and helpful. Ultimately I have to decide what fits and what doesn’t. I have to choose the feedback that rings true to me. According to an ancient story, a man once approached Buddha and began to call him ugly names, Buddha listened quietly until the man ran out of insults and had to pause for breath. “If you offer something to a person and that person refuses it, to whom does it belong?” asked Buddha. “It belongs, I suppose, to the one who offered it,” the man said. Then Buddha said, “The abuse and vile names you offer me, I refuse to accept.” The man turned and walked away.

Excerpted from Jim’s fourth bestseller, Growing the Distance: Timeless Principles for Personal, Career, and Family Success. View the book’s unique format and content, Introduction and Chapter One, and feedback showing why nearly 100,000 copies are now in print at http://www.growingthedistance.com Jim’s new companion book to Growing the Distance is The Leader’s Digest: Timeless Principles for Team and Organization Success. Jim Clemmer is an internationally acclaimed keynote speaker, workshop/retreat leader, and management team developer on leadership, change, customer focus, culture, teams, and personal growth. His web site is http://www.clemmer.net/articles

The inconvenience of going to a gambler’s den can be enough reason to give up on it in the first place. In fact you do not have to go out to experiment with online texas holdem etc for the reason that everything can be done from within your familial household if you possess a servicable computer and internet access. Yet, don’t get too excited yet- there are quite a number of rules which you should know concerning online texas holdem etc, especially if you are still a beginner in this area.

Why wait? Top all no deposit casino bonus right here!

The top priority which any street wise Web risk taker should definitely target is an online texas holdem etc establishment of the category guaranteeing high winnings. Determine that the online texas holdem etc establishment is evaluated by a legitimate accounting company so as to check the official wagers’ pay-out odds consistently. You should always take care to make certain that the online gaming establishment is verifiably licensed, such as by inspecting the license information as disclosed on the casino site page. If you’re unable to unearth any license information on a chosen online gaming establishment, don’t ever attempt any gaming houses on that site.

Beyond, further substantial advice is obviously to try your hand at first in modest amounts in lieu of spend big money off the bat. To begin with, check the integrity and status of this specific online gaming outfit rather than chancing some severe injury- especially financial ones! The last most substantial remark concerning virtual gambling casino. It is, expectably, always to bear in mind that online wagering should be entirely about having fun and not so much about becoming rich. Betting in an online casino is certainly no trade, but a pastime which is intended to help you become lighthearted and life as a whole fun. So, having heeded the readouts elucidated, set off to cede to the lure of online gaming.

Tornadic weather threatens southeastern Colorado and life on the plains takes a turn again. Interestingly enough, books are written, movies are made, and life happens while the winds blow and the rains fall. Writers of every genre come from the lower Arkansas Valley here on the plains. While the rest of the world focuses on the problematic area of politically correctness, terror in the middle east, and life in the fast lane, those of us here in the dust bowl of the latest drought keep sane by writing about our lives and the lives of those around us.

Either fiction, biography, history, or narrative documentary, books written here are read everywhere. Writers become famous not because of where they are, but more often because of how they write. As intensely boring as life on the plains may appear, those of us who write about life here have become accustomed to finding the best in life and keeping a good outlook on the way things happen. After the hail storm has beaten down the crops, a farmer thanks God for the moisture that came with the storm, because it gives him opportunity for crops next year.

So often, it isn’t what happens to you at the moment that changes your life, but the results of what happens to you in that moment. When you can look at life as an opportunity to make a difference, you have an attitude of willingness, and you can change the outcome of a disaster. The choice is really yours to make. Do you want to suffer through the moment of doom, or look beyond the doom and find the joy that is yours for the rest of time?

Copyright © 2001 - Jan Verhoeff Printed in the USA

Jan Verhoeff is a business consultant who specializes in the development of new businesses throughout the Greater Great Plains States. She educates business owners in the process of developing business and marketing plans for their businesses that will encourage them to set and meet productive business goals.

She is the author of a variety of articles published in a variety of business and trade publications throughout the USA.

You may visit her blog at http://coffeeclatter.blogspot.com

She may be reached by phone at 719-336-4036 or by email at: janverhoeff@yahoo.com.