Author Archive
Email Autoreponder ? How to Put your Business on Autopilot
Answering emails can take up a significant portion of the time you have to do business. Many times the same set of questions are being asked over and over again. Haven’t you ever wished that you could have a simple and easy way to respond to your customers automatically? Email autoresponders are the answer!
If you study the name ‘autoresponder’ you can guess that we are talking about something that can respond automatically. At its most basic level, an email autoresponder is a script that is programmed to respond automatically to an email message with a pre-arranged email message.
There are all kinds of ways to use this. You could setup a free report that you send to someone when they send you a blank email at the address of your autoresponder. As soon as they send an email to the autoresponder, the script sends them a response automatically, without you having to lift a finger. You write the email once, it can get sent out hundreds or even thousands of times. You now have more time for other tasks. That’s the beauty of autoresponders.
Not all autoresponders are created equal
What we’ve described above is a basic autoresponder. Advanced autoresponders can send your customers and prospects multiple email messages over a specified time period. This can be used to send an email based course over so many days. It can also be used to expose your prospects to the benefits of your product over some time thereby building trust in you and your offerings.
Advertising studies have found that people are more likely to buy a product or service the more times they are exposed to it. A rule of thumb in the industry points to at least seven exposures. One of the keys to getting a better response rate from your advertising efforts is to get your message in front of your customer over and over again.
Free autoresponders versus paid autoresponders.
Most web hosting companies will provide you with a basic, one message autoresponder. For more advanced solutions, you’ll need access to a suitable service or script. There are free autoresponder services out there. Many are pretty good but almost all free autoreponders will tag an advertisement to the bottom of all your outgoing messages. If you run a business, this looks very unprofessional.
There are a number of paid autoresponder services out there. Their prices generally vary from as little as $5 per month to as much as $30 per month. They also provide varying levels of features and benefits. A search in Google or Yahoo for email autoresponder will turn up a whole list of companies.
The two longest serving email autoresponders out there today are Aweber.com and Getresponse.com. Both of these companies offer you lots of bang for your buck. I would suggest you visit both sites and make comparisons before settling on one.
Email autoresponders can be your best friend when used properly. They can automate a boring and repetitive task like responding to the same questions by email over and over again. Free up more of your time today by setting up your very own autoresponders.
This article was written by Joe Duchesne, president of http://www.yowling.com/, a web hosting company that offers basic autoresponders for free. Copyright 2004 Yowling. Reprint Freely as long as you provide a clickable link back to my website from this resource box.
Cupcake Candles
With candle making, there are hardly any limits. You can replicate lots of things with your creativity. Here are some delicious ‘Cupcakes’ that look very, very inviting.
Complete with chopped crayon bits for nuts and decorations, many people will mistake them for edible, freshly-baked, icing-topped cupcakes coming from your kitchen!
Materials Needed:
Candle Making Supplies (Wax, Dyes, Boiler, Wicks etc.),
Paper Muffin Cups (2-3 for one candle),
Whisk,
Old Crayons (chopped into small pieces)
Directions:
1.Place 2-3 paper cups into each other for strength. Now, place them into individual muffin molds or a muffin tray for a string base. Grease them lightly if you wish, but it is not necessary.
2. Melt Wax, mix a dark or earthy colored dye for the muffin base. We have used brown, but you can experiment. They are not real cakes after all!
3. Pour melted wax into the prepared ‘molds’. Allow to cool and set. You can use a wick at this point. We have have not used one because I made these ‘cupcakes’ just as a show-piece.
4. Meanwhile, prepare the ‘frosting’. Melt wax and dye it a soft, creamy color. We used used a pale, earthy brown again, but pinks, creams, blues, greens, yellows, peaches etc. look great for the icing. Be creative with your color combinations.
5. Cool the melted wax till you see a thin skin forming on it. Whip it with a whisk till it gets frothy. Quickly, spoon the froth over the cupcake. If the wax solidifies before you are able to spoon enough froth, repeat the melting, cooling and whipping process.
6. While the frosting is still warm, sprinkle pieces of old crayons.
Content Copyright © Dot Com Women.
Visit http://www.dotcomwomen.com/crafts for more craft ideas and DIY projects.
Childrens Bedroom Furniture – Three Mothers Share Their Buying Habits
Just two months ago, a group of mothers from three generations (Gen Y, Gen X and Baby Boomer demographics) shared their buying habits with retailers and manufacturers on purchasing childrens bedroom furniture and baby products. This occurred at the fifth annual Kids Today conference in Bonita Springs Florida.
Author and entrepreneur Maria Bailey, an executive in the fields of publishing, marketing, and business development, was the keynote speaker at the conference and a moderator for the panel. Maria Bailey has worked for numerous companies, including Automation USA, AutoNation, Discovery Zone, The Miami Herald, Broward Community College, and McDonald’s. Her experience as an executive and the mother of four young children led her to specialize in assisting mothers in balancing their home and work lives. Bailey explained the importance of marketing to mothers of different ages.
Even though there were some differences there were also many similarities. One baby boomer said she found information from other mothers quite useful. She tried shopping for childrens beds and other bedroom sets for her boys baby nursery at a baby boutique or a shop for kid furniture and found it was above her budget. She registered for designer baby bedding at one baby boutique but this particular parent found that shopping at a consignment shop for her boys bedroom furniture was the way to go.
A Gen Y mom used hand-me-down bedroom furniture, rather than shopping at a furniture store for her baby and put the rest of the items that she needed on her gift registry. The items she did not receive as baby gifts she purchased at Target and Kmart. She did however find a lot of her ideas (such as themes for luxury baby bedding) at a boutique. She said she would purchase only bedroom accessories, baby bedding, other items that she thought were original at a boutique or baby shops.
Although most of the parents claimed that they mostly shopped at discount stores, they admittedly would make more extravagant purchases like luxury baby bedding or hard-to-find toys at baby boutiques if there was something they really wanted for there kid. A Gen X mom talked about children strollers. She paid $300 for a stroller because she liked the features. Then a Gen Y mom said she paid about $200 for a hard-to-find toy that retails normally for about $50. She said she bought the toy not only because her son wanted it, but because of the educational value. Parents are willing to spend more money on educational toys.
All moms stressed importance on bedroom furniture that would grow with their children. One baby boomer mom said she was in the process of looking for a bed that would take her toddler through high school. A Gen X mom said she would try to redecorate while keeping in mind that she wanted the décor and products to not be changed or updates until her daughter was at least 12.
I personally feel that this type of survey it tough to gauge?not only should they have to consider the age demographics but financial demographics as well.
I know that my friends and I are the same age but due to financial reasons we all have made very different choices on the bedroom sets, etc. we purchased for our kids. Take the changing table for instance. I chose one of those dressers with a built in changing table. When your child is older you flip the dresser over and it converts to a normal dresser top (which by the way I planned on using these dressers for a long while since I had purchased one of those convertible infant cribs).
My other friend decided to forego the changing table altogether, she would change her daughter directly on her crib mattress by using a waterproof disposable pad. While another friend bought an extremely fancy changing table and a bedroom set with armoires, hand carved dressers, etc.
I am sure someone like Brittney Spears would have very different buying habits than someone, the same age, but on a very modest income. So although I am sure the retailers and manufacturers were able to gather some useful information from this conference, hopefully they are considering all the demographics of the parents interviewed.
© Copyright Best-Baby-Furniture.com, All Rights Reserved.
Teresa Schahczinski is a frequent contributor to Best Baby Furniture. For more Articles and tips on Selecting
Childrens Furniture, Baby Cribs and Kids Furniture visit http://www.best-baby-furniture.com
The Graphic Problem
Digital printing has revolutionized the sign industry. Current printers can reproduce an image at 1440 dpi (dots per inch) at virtually any size. But they are worthless if the original image is of low resolution. We define resolution using pixels. A pixel is commonly thought of as the smallest individual unit of an image (tiny dots if you will). If the pixel content is low, the image will look fuzzy. Anyone that has blown up a picture in a popular program like Adobe Photoshop has experienced the pixilation of an image. The most common way to express the resolution of an image is via two integers: the first is the number of pixel columns or width and the second is the number of pixel rows or height. Another common way to express resolution is by giving the total number of pixels in the image (usually expressed as megapixels). It is determined by simply multiplying the pixel columns by the pixel rows.
Most typical file formats such as bmp, jpeg, png, etc. will give the physical image size. This is done through DPI. For raster images (those images in rectangular pixel format), DPI means the number of pixels printed within one inch horizontally and vertically. For example, if you have an image expressed at 600 by 300 (or 1.8 megapixels) and you want to print at 300 dpi, the image would need to be printed within two inches by 1 inch (you divide 600 x 300 by 300 dpi) ? a very small image to get the needed resolution. The bigger you print the same image, obviously, the lower the amount of dots per inch. A 20 by 10 inch print of the same image would be only 30 dpi. Try to imagine how bad the quality would be if you had only 30 dots for every inch.
We commonly have customers uploading 600 x 300 jpeg images of the family dog, say, and ask us to put it on a vinyl banner 4 by 2 feet, for example. We refuse to print a sign with less than 300 dpi, because we know our customers will not be happy wth the quality. If we enlarged this image to fit the sign, we would get a sign with 12.5 dpi (only about 12 dots per inch).
We need to help educate so you will know that we are not trying to aggravate or, worse yet, price gauge when we ask for a better quality image. Believe me, we only do this so the customer will be happy with the final product. I always feel bad when I have to disturb a customer. I understand the buyer’s position. They want quick results with minimal effort. But customers have to take a proactive role, because once and a while, a sign company will go ahead and print a borderline or low quality image. We won’t do that ? we insist on quality ? which sometimes makes the customer think we lack some mysterious technology that our competition has. There have been those frustrating times when a customer will tell me they know of a local sign company that will print their sign with the image as is. And then they hang up miffed.
If we cannot get a higher quality image we need to convert the file to vector format. This format allows us to enlarge the image without loss in resolution. In fact, we have a full time graphic person that can do this rather quickly in some cases. We usually try to do it gratis for our customers, but sometimes we have to charge them. It is awkward because the customer does not always understand. Some even suspect we are attempting to add on frivolous charges. We want them to understand why!
But I also have to caution customers. Some sign companies will charge high prices for art work. Converting a diagram or clip art to vector format can be very cheap ? about $10. But poor quality photographs require the artist to reproduce the file as a graphic drawing in detail. It takes time and most companies will understandably try to recoup their costs. But you should not be charged more than about $30 an hour and photographs rarely take more than 2 or 3 hours to convert.
To learn more about Magnetic signs and other types of signs please visit http://designasign.blogspot.com. To purchase Magnetis, Vinyl and just about every type of sign imaginable visit http://www.designasign.biz
Home Remedies, Treatment To All Ailments By Herbal Homemade Remedies
Given below the list of Best Home Remedies for all common diseases and conditions. Try these effective home remedies for a few days and see the results. If the symptoms do not go away, or you do not see any improvement, then you must consult your doctor.
http://www.diseasesatoz.com/homemade-remedies.htm T
Home Remedy for Abdomen Pain, Stomach Pain, or Stomach Pain Remedy: Take a ½ gram of Asafetida (Hing Powder – Indian Spice) & mix it with little water make a paste of it and fill up your Belly button (umbilicus), lie down for 15-30 minutes and you will release some gas for few times, after that you will be fine. Try this home remedy to get rid of Abdominal Pain and for more remedies check http://www.diseasesatoz.com/abdomen-pain-remedy.htm
Home Remedies for Acne, Acne Scars: Put egg whites all over your face (like a mask)… egg whites are driers and will remove all the impurities from your face. Leave it on until every spot is dry (depends on the type of skin you have) it works so well. use for 2-3 days or continue use. It works wonders for curing Acne!! For more information about acne see http://www.diseasesatoz.com/acne-home-remedy.htm
Home Remedies for Pimples, Blemishes: Garlic Juice with 3 parts water is an excellent cleansing agent. Raw garlic applied ( rubbed) on the face can make persistent pimples disappear without a scar with repeated applications. The external use of garlic helps to clear the skin of spots, pimples & boils. Refer http://www.diseasesatoz.com/pimples-home-remedy.htm for a complete list of home remedy for pimples.
Home Remedy/remedies for Arthritis and Arthritis home Treatment: Arthritis is the inflammation of the lining membrane. try this remedy for the treatment of Arthritis. Bogbean is an aquatic herb, very powerful herb special for rheumatoid arthritis and Osteoarthritis, anti-inflammatory. Since this herb cleans the urinary tract, drink lots of water. For more information refer – http://www.diseasesatoz.com/arthritis-home-remedy.htm
Athlete’s Foot (Tinea Pedis) Home Remedy: Put a cup of vinegar in several quarts of very warm water and soak the foot for 15-20 minutes; repeat twice a day. (visit: http://www.diseasesatoz.com/athelete-foot-home-remedy.htm) This remedy will also kill fungus that has gotten under the toenails. It works great remedy for curing Athelet’s foot infection . Vinegar is effective because it makes the pH slightly more acidic.
Backache Pain releif remedies at home: Everyday backaches we experience are due to faulty posture and weakness of the muscles. we at, http://www.diseasesatoz.com/backache-home-remedy.htm provides all info on backpain. Try this remedy for backache – Raw Potato is an ancient home remedy for backache, characterized by incapacitating pain in the lumbar region, especially in the lower part of the back. Application of raw potato in the form of a poultice has been found very effective in this condition.
Best Natural Home Remedies for Curing Bad Breath: We have solutions to bad breadth. see http://www.diseasesatoz.com/bad-breath-home-remedy.htm and use this useful remedy for curing bad breadth. Remedy: When you brush your teeth, use dental floss between the teeth. Mouthwashes and rinses can also help. Clean your tongue as well. A coated lounge can sometimes cause bad breath.
Blackhead home remedies: Another Effective remedy for treatting Blackhead at home. To rid blackheads, mix cornstarch with vinegar, plaster on the area for 15-30 minutes; wash off with washcloth and warm water and for more refer http://www.diseasesatoz.com/blackhead-home-remedy.htm
Garima Jain
For http://www.diseasesatoz.com If you wish to reproduce the above article you are welcome to do so, provided the article is reproduced in its entirety, including this resource box and LIVE link to our website.
Does It Really Take Money To Make Money (Online or Offline)? A Reality-Check of 2 Case Studies
The short and simple answer to this question is NO!
Now, before you start screaming that I am crazy, out of my mind, have lost my marbles and all the other things that generally get tossed around when someone has the nerve to state something like that, let me clear a few things up.
It does not take a monetary investment to get your business off the ground (aside from the everyday items you already have around your house).
It does take time, effort, drive and determination on your part to do it though, a good dose of imagination, sprinkle in some luck for good measure and most importantly, it takes a dream. Now I am not going to go into any of the usual dream-building, nor will I tell you exactly what to do, or how hard you have to work to do it. You already know the answers to these things.
NOW, to make it big (and trust me, what you consider to be ‘big’ may differ greatly from every other reader of this article) it will at some point take monetary investments. There, I said it. At some point, if you really want to break out and make some serious money, you will have to invest some money in your business.
But that does not mean you can’t get started for free, work hard, and see your cashflow begin to roll in. At that point, reward yourself, you’ve earned it, maybe take your loved one out for a dinner, because he/she probably had to put up with quite a bit already.
Being an entrepreneur is not hard, but the dedication it demands can be hard on any relationship, so take a night off.
Ok, now we’re back, had a great and wonderful evening, time to get back to work. The next step is to take some of the money you are making and if at all possible, invest it all in growing your business (after all, you probably still have a job that pays your bills at this point).
If you reinvest at least a healthy part of what you earn from your new venture, you can achieve the success you dreamed of, but beware, it can be an pretty strong temptation to start tossing your money out the window, but I know you are strong enough, deep inside (go ahead, grab yourself by the collar and shake a little) to overcome it.
Let me give you two examples from my own experience that I hope will inspire you to take your dream, embrace it and get you rolling with your own vision.
Case Scenario 1: Offline Food Delivery Service
While still living in San Antonio, I was working part time at a Pizza joint delivering pizzas a few nights a week. I had a full time job as a dispatcher, but with a wife (now ex-wife), two kids, a dog and a cat, and all the bills that come with a family, things can get tight. The team that managed this little franchise was doing a pretty poor job at marketing, and an even worse job at managing. Well, enough of the ugly picture, it just gets worse. Time to talk shop…
I wanted to do something a little different, help my colleagues (who were just as fed up as I was), so I happened to notice that most of the deliveries (and probably the only thing really keeping that pizza shop going) was the local Air Force training facility.
So I sat down one weekend, with my ex-wife and laid out the plan (You have to have a plan. Let it start as a vision and a dream, but make sure you write it out step by step).
The plan was simple, take orders from the Airmen, pick up food, take the food to them, and get paid. Easy, huh?
Ok, here’s what I did, I made some flyers on my beat up old computer, used a freeware contact management software to keep track of customers and an old tin lockbox I had in the garage for a change drawer. Bingo, N.E. Deliveries was born.
We would take calls from the local servicemen and my ex-wife would jot down their order. She then paged me, since I normally hung out (if I wasn’t on a run) near Fast Food Central (a little corner where a bunch of the main chains all had a shop). I called her back from the payphone (I didn’t have a cell phone at the time), took the order, grabbed it from the store and took it to the Airbase. Cost to the Airmen? Price of the food, plus a $5 delivery charge and whatever they wanted to tip me. Understand the scenario please, these men and women, come out of basic training and haven’t even seen a Big Mac in ages. Now they are at a technical school, which still doesn’t give them the freedom to run down the street and grab a taco.
It only took one weekend and I had made more money with this venture than I had during the whole week of delivering pizzas every night.
But here’s the kicker. Word spread real fast, I got too busy and I was even getting orders to go pick up pizzas at my old shop (they couldn’t deliver fast enough and people were willing to pay the delivery charge for good and fast service). We even started getting calls from the local neighborhoods, were our fliers had spread to, or other personnel, who were not in training at the airbase, lived.
Uhoh, we ran into a big problem, too much business. (What a wonderful problem to have). It happened that I kept running into some of my former colleagues, and boy I tell you, the first few times they saw me show up at their shop to grab a pizza and then a little while later some others saw me deliver their pizza to the airbase, wow, what a rush that was and it was the turning point for my company. 4 of the drivers that I was pretty close to and that I had great respect for came on board with me instead.
The end scenario was that we delivered a lot of food to hungry people and made everyone happy in the process. And the drivers were able to make more money as well.
Scenario 2: Online and offline Telecommunications Brokerage
Unfortunately, N.E. Deliveries had to stop when we were transferred to Japan (thinking back, I know I could have sold the concept and kept it going, but I was still new to business thinking).
So, here we were, overseas in a new country, not a lot of jobs to even start with, what to do.
I happened to notice that a lot of the phone services for calls back to the States were very expensive and even more so in my case, since most of my family lives in Germany.
I also happened to have noticed this online company, which was giving away free dealerships for long distance calls, callback programs and a few other telecommunications services. And who doesn’t like free? Not only that, but their rates were pretty good, they offered not just one service from one company, but a lot of them together. So I sat down at that old beat up computer again, cleared out all the contacts from N.E. Deliveries out of the same old freeware contact manager, and created some new flyers. I was able to hang them up in a lot of areas at no charge and started to get some calls in. Now, part of my online business meant, I could literally just send them to a website, let them pick the service they wanted and just wait for my check. The problem I saw though was that a lot of military people overseas at the time were not familiar with what a callback service is, so I decided to help. I put my phone number on the flier, and when someone called, I explained to them briefly the cost, how it works and what makes it better for them than using, say a calling card. I would even go visit them to show them how and even set up an account I used for myself as a demo account and would allow them to call home to the United States for 5 minutes for free, just so they could say hi to someone special in their life.
Just doing something simple like that (and it really didn’t cost me much on my phone bill) generated a lot of extra sign ups, since I went out of my way to give them more information than any of the other companies that were trying to push their services.
Ultimately, this lead to a steady, monthly stream of income and several other opportunities to work with other companies as a telecommunications consultant. The best part? I learned everything I needed to know from the online company I signed on with, I still learn a lot even now. I am still receiving paychecks from clients that signed up with me all those years ago, who now have services through me in either the United States or in some of the other countries they are now stationed in. And once I took some of that income and placed a small display ad in the local military paper, wow, things really started to take off.
The overall thing I want you to leave with after taking the time to read all of this is plain and simple: YOU CAN MAKE MONEY OFF-LINE AND/OR ON-LINE, without investing any additional money (I only gave you two examples, but your imagination will guide you well, as long as you think outside of the box). And you can grow your business even more by reinvesting some of your earnings (if not all) into your new venture.
I know you’ve heard it a thousand times before, but I have to say it anyway. If I can do it, so can you. I have no special education (aside from the school of hard knocks), no degree, none of those things. I am just an average guy, with a computer, an internet connection, a printer and most importantly the dream, desire, vision and determination to succeed.
Here’s to your success,
Xavier Nelson is the publisher of eBusinessCornerNews, your source for reviews, articles, free resources and more. Get your free subscription at http://blog.makemoneymarketingonline.com right now.
Don’t forget to grab your free copy of the new, rebrandable ebook “Time to laugh” at http://freestuffbazaar.com/timetolaugh and promote your website and grow your list further. My gift to you.
Think Twice Before You Change Jobs
You’ve got the itch to change jobs. This might be a good time to make the move.
The Wall Street Journal has just reported, “Job-seekers from rank-and-file workers to senior executives are preparing their resumes for what may be the strongest fall hiring season in years.”
“Before you jump to a new job, be certain you have good, sound reasons for wanting to make a change,” advises Ramon Greenwood, senior career counselor at Common SenseAtWork.com. “You may believe you can accelerate your career with a new job. You may be bored or running away from personal problems.”
First, ask yourself, “Are there things I can do to make my present situation more acceptable?”
Don’t be lulled into believing that the grass will necessarily be greener in another pasture. Or that a new pasture will be a great deal different from the one you are grazing in now.
Except in the most extreme reasons, do not leave your present job until you have another one firmly in hand. If it was ever true that a bird in hand is worth two in the bush, it is when a job is concerned. Remember, it is always easier to get a job when you have one.
What Do You Want?
Take the time to figure out what you really want to do.
What will it take to make you happier? It is not enough to know what you want to change from; you need to know what you want to change to.
Be specific in answering these questions. Don’t allow yourself to be driven by a sense of vague malaise to make a change just for the sake of change. If you can’t spell out in writing the valid reasons you want to move to a new job and be equally specific about what you want that job to be, don’t set the process in motion.
Recognize that you are contemplating a serious and difficult undertaking, even under the best of circumstances. There is always some risk to your present situation when you start looking around. What will your present employer think if the word gets around that you are “looking”? At best, the whole process is usually disruptive and can be traumatic for you and your loved ones. Determine that you have the courage to live with the dangers and uncertainties of making a change.
Survey the situation. Be sure there is a market for the skills you have to offer where you want to live.
If You Go, Go Full Speed Ahead
If, after giving the matter careful thought, you are convinced you would be better off in a new situation, go for it full speed ahead. The search for a new job is not a time for half-measures. To vacillate between courting new employers and sitting back in a coy mode, hoping to be courted, will surely breed frustration. Mount a campaign and invest whatever time and energy are required to reach your objective.
If you have something to offer that the market wants, you will find a new job. However, it will take time. There may come a point when you decide that by comparison your present situation looks quite attractive. So you may decide to stay put, at least for the time being. So don’t burn bridges behind you.
And don’t worry about there being a stigma attached to changing jobs. A lot of other people are shopping for new jobs at any given time. It has been estimated that today’s college graduates can expect that on average they will have held eight different jobs by the time they are 40.
In fact, some personnel recruiters argue that your resume will be stronger if it shows some changes in jobs, so long as the reasons for changing are positive.
Ramon Greenwood is former senior vice president of American Express; a professional director for various businesses; a consultant; a published author of career related books and a syndicated column. Senior career counselor for http://www.CommonSenseAtWork.com.
Visit http://www.CommonSenseAtWork.com, to sign up for his f#ee semimonthly newsletter or contact him at ramon@CommonSenseAtWork.com
The Personality Traits of an Aquarius Baby
Your Aquarius Baby..
January 20 – February 18
Your Aquarian baby will be outwardly calm, relaxed and delightful and grandparents in particular will dote on her. Aquarians are quick thinkers who want to analyse everything and everyone. An Aquarian child will often be totally unpredictable and come up with with lots of ideas; and she will also be sensitive and intuitive. You may find your child will rebel against commands and rules, but if you leave her to think things through she will normally come to a sensible conclusion on her own. Young Aquarians like to have many friends, although few will be very close, and will be generous towards them. Parents should watch out for the typical Aquarian absent-mindedness.
An Aquarian child will be constantly on the go and needs plenty of opportunity to make discoveries. Your child will thrive in a peaceful, calm, harmonious environment. These children are sensitive to any underlying tensions. Aquarian children can look more confident than they feel and so need genuine encouragement and praise from their parents.
Young Aquarians should be encouraged to think logically and practically. Their minds are always working quickly, sometimes too quickly so they often get in a muddle.
The typical Aquarian child is very healthy.
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Author: Tony Luck who runs a site with advice for moms-to-be and new moms. Included on the site is the fascinating Chinese Pregnancy Calendar which supposedly tells you whether your baby will be a girl or a boy; and a Conception Chart to find out when baby will be born.
Bankruptcy – The New Scarlet Letter
Nathaniel Hawthorne’s book The Scarlet Letter states in Chapter 2, “On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, appeared the letter A.” The letter A stood for the word adulterer and represented one of the worst insults in society. One would have thought that today we are a lot more civilized than 200 years ago, but unfortunately it is not true. Society has abolished the letter A alright, but it has latched onto a new one, the letter B, which stands for bankruptcy. People do not see it on their chest and think it does not affect them, but it does. Bankruptcy is as insulting and as damaging to one’s financial, emotional, mental, and even physical well- being as any major failure or stigma.
Although lawyers may tell their clients the stigma lasts 7-10 years, the truth is the stigma lasts forever. Ask those that have been through the process and most will tell you how rough and hard it is to get a good job, buy a new car or a home, get a promotion at work, or even lease an apartment. In certain industries, bankruptcy also means instant termination from work. The pains and agonies of bankruptcy will not just end there. Financially the person is haunted with higher interest rates, higher down payments, and outright rejections for many years to come. Emotionally and mentally the person has to endure constant refusals that affect morale, self-esteem, and self-respect. Eventually, the stress could potentially affect the person’s health. Mental stress incapacitates numerous people each and every year and the numbers are staggering.
How does one avoid questions on applications such as this one: “Have you ever filed for bankruptcy?” Please note, it does not say, “Have you filed for bankruptcy in the last seven years?” The way to avoid such applications is usually by walking away from them. In other words, by allowing doors to be closed in one’s face. The bottom line is, bankruptcy has a very real downside that is likely much worse than any postive short-term results. Many consumers are unaware of these potential pitfalls associated with bankruptcy, as countless attorneys often paint a rosy picture.
My Advice through person experience: Avoid bankruptcy, at all cost, and only as the absolute last possible resort. Weigh your decision carefully. I recognize there are certain circumstances where bankruptcy is truly the best option and there may be times where it’s the only option. One should not use bankruptcy as an option simply because it is “easy” or seems to be a quick solution.
Phil Andrews is currently the VP of Business Development for Precept Financial Solutions, a leading debt settlement firm based in Dallas, Texas. For more information, go to http://www.PreceptFinancial.com or call toll free 800-584-0855 and press option 2.
