Business On Moon

In the summer of 1900...

-The average life expectancy in the United States was 47.
-A three-minute call from Denver to New York City cost $11, which was an incredible sum because the average American made .22 cents an hour, or about $400 per year.
-Most women only washed their hair once a month and used borax or egg yolks for shampoo.
-Only 6% of all Americans had graduated from high school.
-Marijuana, heroin, and morphine were all available over the counter at corner drugstores.
-There were about 230 reported murders in the US annually.

Amazing what a century will change.Amazing what a few months will change.Growth ends, recession sets in, the stock market stops booming, and companies go bust.The recession is impacting our clients in various ways: we're hearing of layoffs, hiring freezes, reduced budgets, not rehiring for positions as people leave, go on maternity, etc.

Tough economic times are packing a one-two punch in the workplace.

First, everyone is forced to do more with less (POW!).

Second, you have to do it all while dealing with the nagging anxieties that come with an uncertain economy - threats of downsizing, bankruptcies, cost containment, you name it (POW, again!).

So how do we cope as leaders and as productive employees?

To succeed and keep their doors open, companies must make more money but spend less money and create greater results with fewer resources.You could attempt to cut salaries, benefits, staff, costs, or the quality of your products - all poor options.A better choice?Increase employee productivity.If you have 10 people, and you can get them to improve their productivity by 10%, you just effectively added another staff person without increasing salary expense - a much more attractive response.To do this, your employees need your help.

First of all, get a grip on your personal negative feelings that result from your lack of control.You DO have control over your friends, your love relationships, and your career.You decide for yourself what's right and what's wrong, whether you should stay in this weekend or go out, whether to vote Democrat or Republican.You decide who to see, what to wear, what to eat.

However, you have VERY LITTLE control over the government, economic policy, the rise and fall of the stock market, Mother Nature, international events, and even your company direction.Changes can often disrupt your life and force you to change your plans.Often there is little you can do and yet you are overwhelmingly affected by it.Accepting what is means realizing you can't control certain things and to stop trying.You can sit around and wonder, "Oh, my gosh, how is this going to affect me?What if I'm next to go?How will I pay the bills?I'm going to be a bag lady!" You stew and worry and literally make yourself sick.

These things will happen.They just will.You will get no warning, and nobody will prepare you.And that's frustrating.Because people will tell you to "reach for the stars, you can achieve whatever you want!" But they don't mention you might get hit by a comet in the process.

It's time to accept the things that you cannot change and focus on the things you can.What can you do?

Give yourself a break.Try to stay positive, despite the doom and gloom.Overdosing on pessimistic, overly dramatic news coverage is just going to weigh you down with bad thoughts - not good for those looking to clear their heads and get things done!It's important to be informed about what is happening in the world, but you definitely don't want to overdo it.

For months now, we've been bombarded with bad economic news every time we turn on the television or pick up a newspaper.No wonder everybody seems to be in a rut.Follow the daily news as much as you need to so that you feel in the loop and understand the issues that affect your industry.Other than that, it might be time to shut off the TV and catch up on some fun reading or spend some more time with family.

Know your job.Seems like this one should be a no-brainer, but you'd be amazed at how often our responsibilities can change and evolve without our even knowing it.Small incremental changes in how employees or departments do business can add up over time, leaving groups of people that work hard, but aren't contributing to business objectives as effectively as they once did.

For example, in an effort to provide an exceptional level of service, you might find yourself doing work that is below your pay grade.Maybe you end up doing a large portion of the administrative work associated with a project that needs your input.Consider the value of your time!

Make sure that the things that occupy your time are worthy of your talent and expertise and hold your staff to the same standard.With any project, you should be able to look at the time spent, multiply by the pay rate of the ones doing the work, and still feel that your resources were well spent.

If you've got a $40,000/year employee stuffing a bunch of envelopes (even just that one time) or a six-figure manager assembling an important presentation page-by-page, then that work becomes awfully expensive!

These examples might seem outrageous to you, but believe me, it happens all the time.Never make the mistake of treating your time like it's free.Time and other resources are limited, and we need to treat them that way.

As your company and your department are undoubtedly being asked to do more with less, now is the time to step back and take stock of the type of work you're doing.Many times roles and responsibilities change, but job descriptions do not.As a result, we end up drifting away from core priorities and towards dong work that, while challenging, doesn't really meet the organization's immediate needs.

Now might be a good time to step back and ask that all important question: "Why am I (or we) doing this?" If you can't answer that, or the answer doesn't make sense, it's time to purposefully make a change.

Break habits, build systems.Every office that has been around for any length of time has certain unwritten policies and procedures that exist simply because "we've always done it that way." Now is a great opportunity to analyze your existing business practices and find opportunities to break the bad habits that may be bogging your operation down.Take you entire department for example.Do you and your people have a clear idea of your area's specific responsibilities?Do you have the confidence and determination to say "no" when someone is asking you to do work that is outside your scope of responsibility?

Perhaps over the years your group took on the responsibility of coordinating quarterly meetings with senior managers.It might have made sense for you to be doing the legwork then, but now that the work has become routine, is it really the best use of your talent and resources?

That's just one specific example, but there are many more out there.Usually, these are the kinds of tasks and responsibilities that make employees want to ask the all-important "Why am I doing this?" question.Rather than spend another day mindlessly plowing though projects that may or may not be a good use of your time, force yourself to take a hard look at what you are doing and why you are doing it.

If you had to pick three tasks or responsibilities that should be the top priorities for your department, what would they be?Once you know, evaluate how much time and energy is dedicated to those things.You might be surprised at how much time we can spend doing things that aren't even close to the top of that priorities list.

It isn't always easy to say "no," but fortunately, that's where your systems can come in.As you work to create smooth, efficient systems to do work within your department, you can give yourself some ammunition to fend off others in the company that might be inclined to slide work onto your plate where it doesn't belong.If you don't have firm policies and procedures in place to identify who should be doing what, it is much more difficult to make the case for "no."

Analyze your relationships with other departments.

Have trouble turning down work coming from other areas of the company?Now is a perfect time to start fresh and rebuild your department's boundaries.In a frank and honest way, simply explain to others that in light of the current economic situation, your group has taken a critical look at its daily operations and needs to decline certain types of requests in order to build efficiency.

Perhaps you need to apply a little systems thinking and rethink the flow of information.Is there a procedure in place for other business units to request your assistance or input?If there's not, you're probably being hit from all angles with requests that may or may not be the best use of your time.Diagram how work moves through your department.Where does it come in from and go out to other departments?

Interview your internal customers and find out how you can provide value through reduced services.Can you provide a report monthly instead of quarterly?Can you cancel the weekly project meeting and get everyone to email updates instead?Question travel requests if you feel a conference call will do.One of the best ways to take stock of the situation is to survey your group, ask them what gets in the way of productivity, and to genuinely ask how they would redesign things if they could.

Find the bottom line.Right now, businesses everywhere are taking stock of their must-haves versus their nice-to-haves.From an organizational perspective, which are you?

Economic necessity can force budget cuts and cost containment that might otherwise be unnecessary.One way to prepare yourself for this reality is to make sure you have a good understanding of how you and your people contribute to the company's bottom line.

Sometimes, it's easy.If you work in sales, for example, the correlation between what you do every day and the company's financial success might be very straightforward - my group sells our most profitable product, which makes the company money.

Sometimes that correlation is not so obvious.If you operate in a support role, like Human Resources, you may want to start looking at your various responsibilities and deciding which among them have the greatest influence on the company's bottom line - either by somehow driving revenue or by controlling expenses.Perhaps you help contribute to developing talent within the company, which clearly has an impact on the overall success of the organization.

Employee development always seems to be one of the first things to go during down economic times, but this is not the time to reduce training if you'd like to get more work from fewer people.Or maybe you're managing clerical or administrative functions that would be expensive to secure elsewhere.If you can't draw a line from what you do each day to the financial well-being of the company, then it might be time to do some hard thinking.Your other contributions might be valuable, but in difficult economic times, corporate leadership often becomes must more focused on dollars and cents, for better or for worse.

Where am I going with this?If it isn't obvious how your contributions benefit the company, be prepared to explain how they do.If you CAN'T explain why certain aspects of what you do are valuable, then it's time to stop doing them.

At the end of the day, productivity is about more than getting things done.It's about getting the RIGHT things done and getting them done efficiently.

Laura Stack is a personal productivity expert, author, and professional speaker who helps busy workers Leave the Office Earlier(R) with Maximum Results in Minimum Time(TM).

To have Laura speak at your next event, call 303-471-7401.Visit http://www.TheProductivityPro.com to sign up for her free monthly productivity newsletter.

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# posted by David @ 6:12 AM 0 Comments

I always ask people, What is your primary goal for investing in the market?What is your primary goal?Not to lose money!Your secondary goal is to make money.Your primary goal is not to lose it.So whenever we look at a market or look at a stock we want to make sure we know what the chances are of losing it, and this is probably one of the biggest flaws for most people involved in the market, they don't know what their risk is when they buy a stock of losing it.

Most people when they buy a stock buy it because of one thing.Hope.That's normally why they buy it, they buy it based on hope and greed, and they don't buy it based on any sort of analysis.They don't buy it from looking at what their risk might be.They buy it just based on hope and greed and of course, that's why most people lose in the market.So if our primary goal is to not lose it the first thing we shouldn't do is to be trading speculative stock.

Now someone mentioned they were trading options before.Now I'm not against trading options or warrants or futures or spec stocks of CFDs, any of those markets are great markets to trade once you have the foundation and someone mentioned this earlier.Once you have the foundation and know how to trade and make 25% 40% per annum in the market, you can take that knowledge and you can apply it to anything.You can apply that and by the end of this course I will show you a strategy on how you can take all your knowledge you have learned in six weeks and you can apply it to making money going down in two or three hours, so you can just tip the whole lot upside down and make money both ways but you've got to have the foundation first and then once you've got that, see what many people do, once you've got that foundation you can apply it to other markets.

What many people do is they leverage their ignorance and of course this means massive losses so we don't want to be looking at spec stocks.We are going to look purely at the quality stocks; in fact in your manuals you already know there is a list of about 100 stocks there that we update on a regular basis.If you don't have that update by the way, if you've had your manual for some time and you don't have that update, just contact support and they can get you a copy or tell you where you can get a copy of that.

Then of course there is the stock analysis method.I don't think I need to spend much time on this.I started by looking at the market based on fundamentals.I read a book that I was given that went through fundamental analysis and it showed really three key principals to look at; net asset backing, PE ratios and I forget the other one.But it was looking at three fundamental ratios and that actually worked.I applied that over a number of years in the late eighties and bought just blue chip and quality stocks on that and made a reasonable return.

But fundamental analysis works some times and doesn't work other times, it tends to be a lot longer view of the market and so fundamental analysis is looking at the company based on it's past growth and what the company does.The more you learn about charts and technical analysis, the more you understand and can see why the markets are not driven on company activity.Stock markets are not driven on what the company does.That's what confirms it, but it doesn't drive it.What drives the market is purely the emotions of the buyers and sellers, and that's what our chart will tell us.

So our study of technical analysis is really the study of human emotions.A chart is nothing more or less than a picture or a graphic representation of the buyers and sellers or supply and demand.I go through a little bit on the video of comparing real estate and I am sure that if you haven't had a look at it you need to go back and have a look at it.But the value of anything doesn't mean it's the price it trades for.The value of a company which we can determine through fundamental analysis does not mean that is what people are willing to pay for it and ultimately something will only ever sell for what people are willing to pay for it.Not what we think that's its worth, but what people are willing to pay and that's the difference between fundamental analysis and technical analysis.

Fundamental analysis is studying what the potential value of something is or should be.Technical analysis is studying what the price is and what people are willing to pay right now for it and that will help us to gauge the emotion or the direction of the stock.I've got a bit of an example there of National Bank.

David Schirmer has trained hundreds to people around the world to trade in the Stock Market Successfully.

Go Here To find out how to trade the

stock market successfully

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# posted by David @ 4:32 PM 0 Comments

Do not let your anxieties get the best of you in the business world.It is important to know how to handle your anxieties and stresses.As a result, here is a list of techniques and suggestions on what to do in managing your business related stresses and anxieties.

Take it one day at a time.Instead of worrying about how you will get through the rest of the week or coming month, try to focus on today.Each day can provide us with different opportunities to learn new things and that includes learning how to deal with your problems.Focus on the present and stop trying to predict what may happen next week.Next week will take care of itself.

Learn how to manage your fearful thoughts that may be difficult to manage.When experiencing a negative thought, read some positive statements and affirmations that help lift your spirits and make you feel better.Remember that your fearful thoughts may be exaggerated so balance these thoughts with realistic thinking and common sense.

Sometimes, we get stressed when everything happens all at once.When this happens, a person should take a deep breath and try to find something to do for a few minutes to get their mind off of the problem.A person could take a walk, listen to some music, read the newspaper or do an activity that will give them a fresh perspective on things.

When managing your fears and anxieties do not try to tackle everything at once.The best solution is to break your fears or problems into a series of smaller steps.Completing these smaller tasks one at a time will make the stress more manageable and increases your chances of success.

Remember that no one can predict the future with one hundred percent certainty.Even if the thing that you feared does happen there are circumstances and factors that you can not predict which can be used to your advantage.For instance, your place of work that you miss the deadline for a project you have been working on for the last few months.Everything you feared is coming true.Suddenly, your boss comes to your office and tells you that the deadline is extended and that he forgot to tell you the day before.This unknown factor changes everything.Remember: we may be ninety-nine percent correct in predicting the future, but all it takes is for that one percent to make a world of difference.

Take advantage of the help that is available around you.If possible, talk to a professional who can help you manage your fears and anxieties.They will be able to provide you with additional advice and insights on how to deal with your current problem.By talking to a professional, a person will be helping themselves in the long run because they will become better able to deal with their problems in the future.Managing your fears and anxieties takes practice.The more you practice, the better you will become.

Take a vacation day to relax.Many people work two jobs nowadays.Sooner or later, the long work hours will catch up with you and take a toll on your health.Take the day off and do something you enjoy.The better you can manage your stresses and anxieties the better off you will be in the long run.

Stan Popovich is the author of, A Layman's Guide to Managing Fear, an easy to read book that presents a overview of techniques that are effective in managing persistent fears and anxieties.

For additional information go to: http://www.managingfear.com

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# posted by David @ 3:48 AM 0 Comments

Some of the UK's largest insurers have introduced some attractive policies for 17-29 year olds to help them with their No-claims bonuses.For example.a rapid bonus scheme whereby you insure the car for nine months, at the end of which you are credited with a full year's no-claims bonus.The advantage of this sort of policy is that you can build up a full five-year bonus in less than four years.

Earlier in 2008 one large insurer introduced a "Pay-As-You-Go"insurance initiative which was reliant on GPS systems installed in drivers cars.Unfortunately, this has been withdrawn from the market.On this scheme, the insurance premium was worked out by assessing the mileage and times of day the car was driven.So, if a motorist did more miles at off peak periods where the risk of an accident was lower, they would pay less for their car insurance.

A representative from the insurance company said, "The scheme was open to young drivers and we were able to cut their premiums.We saw a 30 per cent fall in accident rates as people thought about their car use.We had hoped, though, that the car manufacturers would start offering the GPS boxes as standard.Ultimately, the expense meant we had to call a pause."

Another insurer offers a similar scheme.

Here, cheaper premiums are offered to 17 - 22 year olds who agree not to drive between 11pm and 6am.The scheme uses GPS technology to check whether the car is used during "curfew".If it is driven during the curfew, they incur a 25 pounds penalty.This means that people can still drive at night but they have to pay for the privilege.

"We are trying to understand the dynamics of the young driver market and see what technology can do for us and the policyholder.The big idea is to price more accurately, so responsible younger drivers can avoid very high premiums" says a representative from the insurer.It is estimated that it cost 250 pounds to install the GPS technology but, for many young drivers, it is worth it.

Of course, there are conventional ways to reduce premiums.For example, look at taking the Pass Plus driving course.This advanced qualification can bring discounts of 10 per cent on premiums.

Careful consideration when choosing a car make and model can make a difference to insurance cost.Go for a smaller car in a low insurance group.And consider if you should go with third party, fire and theft cover rather than fully comprehensive, and whether you need the car for commuting or just leisure driving.

Or, voluntary excess is another recommendation.Younger drivers will have an excess imposed, but by agreeing to a slightly larger one, the premiums can be cut.

The message from all insurers is to not be tempted into what is called "fronting".This is where the car is insured by one driver but mostly driven by someone else.One of the first things insurers check when a claim comes in, is whether there has been any fronting.So it's not a wise move.

Unintentional Fronting

Kev O'Sullivan, 26, unintentionally fronted, "I had a Fiesta insured in the name of my parents but I took it to university with me.

It was only afterwards that I realised I had been fronting.The campus is quite out of town, so lots of students drive and all the ones I knew were insured in the name of their mothers or fathers.It was the only way that premiums were even remotely affordable.Why would any 18-year-old buy car insurance?"

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# posted by David @ 4:02 PM 0 Comments

If you are a baby boomer and share your working space with the under-30 crowd I am betting that you think those young adults are not getting enough work done.You may even feel the same way about your younger generation children.

Think again!It is true they may create funny videos during lunch or throw a pizza party when they complete a project.It does look as if they are frequently playing.The truth is they are getting work done; they are just doing it differently and too many of us baby boomers fail to understand that.Besides, generations do not always understand one another which is too bad because this is probably the first time in history where four generations converge in the workplace and that may cause problems.

As members of Generations X and Y face an office of boomers, they usually start to chafe.Too many restrictions.These women and men have watched their parents sacrifice for their careers and they want more balance and freedom.Boomers, on the other hand, do not understand why anyone would leave at 5 p.m.if there is still work to be done.

Good communication among generations is the answer according to the experts.To get the message across you first need to understand the differences among the four generations.My task here is not to give you a stereotypic description but to inform you about the traits and preferences that generally apply to each generation.This may help you understand the other generations just enough to make a huge difference in your work and family.

Members of the oldest generation, born between 1925 and 1946 are called traditionalists.They tend to be hard working, used to taking direction, and have a strict moral code.

Baby boomers born between 1946 and 1964 tend to display loyalty to their company, assume that working overtime is a given, and believe that they can make a difference by working together.

Gen Xers, born between 1964 and 1982, tend to care more about autonomy, seek a balance between work and home, and look out for their own interests first.

Generation Y, born between 1982 and the late 1990s, and also known as Millenials, grew up with technology.They are similar to Xers but more optimistic, fun seeking and flexible.They are also the most coddled of all generations.I tell you this because if you're a traditionalist, born before 1946 or one of the early baby boomers, you're going to be facing others that have different workplace values and were influenced by different cultural phenomena.They may think differently and see life slightly different than you.As a rule, they were pampered more and used to getting their own way.Kids born before, during or right after the war didn't have that luxury.

Of course these generalizations have to be tempered by knowing the individual's work habits and personalities which may not be related at all to the time slow in which they were born.But just knowing a few things about each generation should cut down on needless family and workplace arguments.

And if you are a baby boomer you have a head start because you have more experience and can more readily manage your life across the generation gaps.
You certainly can do business with any and all age groups.And it's not my purpose to stereotype the ages but I do recognize the differences.Recognizing and understanding those differences helps me communicate well with people of all ages.That makes me more successful in my business.Take this little tid bit and be more successful in your business.

And now I invite you to claim your special report on Building Your Online Business and attending free weekly online seminars that show you the technology you the technology you need and how to market what you know.

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# posted by David @ 4:30 AM 0 Comments

Having leads for your business is one of the most important parts of ANY business, it doesn't matter if your work online, own a restaurant or are a writer.But how does someone get these leads?Or better yet how does someone get quality leads?A lot of the time when you find people online for your business that are leads, they are what we like to call "tire kicker" and these are people that will just waste your time and not even really be interested or they ask a million questions and in the end they say "Oh I'm not interested after all".It's usually much harder to receive quality leads for the most part but just recently I was online looking for leads for my business and I found a few really awesome sites.These websites have business leads especially for your type of niche.They include things such as; nationwide, state, city, etc.And the prices on these sites are more affordable than you would think.These lists will most likely contain names, addresses, and phone number of the people within the lists.These people are considered quality leads because they actually want to receive information from you unlike the so-called tire kickers!Listed below are some samples just so you can see how these sites are set up and what information they will need from you, along with some of the things included with each package:

City -
$600.

00
City Business List
Contains: Name of Business, Address of Business, Phone Number and website if available.


Must be a specific business name and type.
Includes city of choice.Pick from .csv, mysql, xml or phpld.Please state specific business category within the notes upon checkout, under
"Special Instructions or Comments About Your Order".

such as automotive body or travel agent Do not use broad words such as auto or travel.Also, include the type of file you need.CSV, Mysql, phpld or xml.

City Plus 500 mile radius around City -
$800.
00
City Plus 500 Miles around City Business List
Contains: Name of Business, Address of Business, Phone Number and website if available
Must be a specific business name and type.



Includes city of choice.
Pick from .csv, mysql, xml or phpld.
Please state specific business category within the notes upon checkout, under "Special Instructions or Comments About Your Order".such as automotive body or travel agent Do not use broad words such as auto or travel.Also, include the type of file you need.CSV, Mysql, xml or phpld, as this could slow your order down.

State Business List
$1,400.
00
State Business List
Contains: Name of Business, Address of Business, Phone Number and website if available
Must be a specific business name and type.



Includes state of choice.Pick from .csv, mysql, xml or
phpld.
Please state specific business category within the notes upon checkout, under "Special Instructions or Comments About Your Order", such as automotive body or travel agent Do not use broad words such as auto or travel.Also, include the type of file you need.CSV, Mysql, xml or phpld.

As you can see above these sites are nice because you can be a small or a large business and you can buy lists accordingly.Obviously if you're a small business you are probably just starting out and have a small margin for costs and that's no big deal, and if you're a large corporation or a company you probably have a bigger margin for costs and these sites can accommodate you as well.Also, a very interesting thing about sites such as these is that they are guaranteed to be less than 91 days old.This is good because it means they are fresh leads and haven't been stashed away for months on end and by the time YOU contact them they are no longer interested.If you go on any of these lists it's very important that you make sure the list is fresh and stays fresh!You really could use these lists to your advantage.Just imagine, if you spent even $600 on the small list and made thousands of dollars off of the leads, then the initial cost wouldn't even matter in the end!Take a chance and see how well these sites can make your business flourish!

This author is a HUGE fan of business lists

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# posted by David @ 4:04 AM 0 Comments