Monday, April 1, 2013

Career Advice - 4 Tactics To Accelerate Your Career

It's surprising how often ambitious men and women fail to employ four basic tactics in their pursuit of career success. They are easy to apply; they are common sense in action. There are just two requirements. One, you are sincere in your feelings. Two, you must dampen your ego.

Job Tip 1. Admit Mistakes

Everybody makes mistakes. Those who step up to take responsibility for their mistakes and those who learn from them turn their errors into career pluses. Those who deny their mistakes and let others take the blame lose. The sooner mistakes are admitted the better chance there is to correct them. Mistakes have a way of emerging and coming to rest at the feet of those who make them and then try to dodge the bullet.

(Hopefully, mistakes don't occur too often.)

Job Tip 2: Say "thank you"

"Thank you" is a power-packed message. Everyone likes to help those who show their appreciation. But this simple act is too often overlooked in the rush of day-to-day activities.

A "thank you" doesn't have to be a big deal. Those two words spoken or conveyed with sincerity in a short note are enough.

Make a practice of expressing appreciation to at least one person each day. Thanks for sharing a bit of knowledge. Thanks for speaking up to support an idea. Thanks stopping a rumor before it gains traction. Thanks for being a good team mate. And, yes, thanks for holding the elevator or carrying a package.

Job Tip 3: Ask For Help

Contrary to popular belief, to ask for help is not a sign of weakness or lack of know-how. In fact, it is a show of strength and confidence. A request for help is a compliment to whom the request is made. It is the rare person who doesn't like to be asked for assistance. Obviously, getting help from others is a great way to improve one's base of knowledge and set of skills.

Job Tip 4: Share Credit For Success

Success with a single project or an entire career is seldom, if ever, a one-man show. Success is usually a team effort and there is always plenty of credit to be shared. No one likes or respects the "glory hot".

When you achieve success be sure to go public with credit to those who participated. If you have any doubt about the power of these actions just think about your own experiences. How do you react when you are exposed to any one of these positive forces?

Career Tip: The fact that these tactics are often overlooked creates an opportunity for those who put them to good use. Go ahead. Put a damper on your ego. Put these the tactics to work with sincerity and confidence. You'll see the pace of your career accelerate.

Have You Been Refused Car Finance?

If you have been refused car finance then you do not have to be told how frustrating it can be. There are many special finance lenders who specialize in financing car loans for people with bad credit or who have had financial difficulties in the past. If this describes you, there is hope after all. You can get an auto loan from certain online lenders.

They hire people who have a specialty in the area of financial difficulty that they plan to help represent or that they will allow. No matter what your problems may have been in the past, there is a way to recover your losses and be able to afford a new or used car of your choice. The online loan lenders care about your needs and whether or not you can make your payments on time. They will work diligently with you so that you are set up with a plan that suits your particular budget.

If you decide to apply, you can often get your response in just minutes. These online lenders need you to help them get your application to the right lender for your needs. When you fill out one of these handy online applications you will be required to have a few things. You will need to be a US citizen and be at least 18 years of age or older. Also you will need a valid driver's license and proof of employment. If you can meet these requirements, you are on your way to a new car or used car. Be upfront and honest about your past financial problems so that the appropriate people can assist you in car finance.

In most cases the response of the lender will be acquired within an hour or so. If they approve you, you will be set up with a lender as quickly as possible. It really is as simple as that. Just because you have had a few bad breaks in your life doesn't mean you have to do without the things you need. It is common knowledge that we all need an automobile. Now, even if you have filed bankruptcy, you can get an auto loan.

If you have been declined for an auto loan in the past, you can depend on being approved online. If you have bad credit, you can still get a loan. You will be required to pay it back with interest, but you won't be refused anymore. These lenders understand that bad things can happen to good people. Anyone can encounter financial distress. These lenders are there to give you a second chance.

It is embarrassing to be refused a loan for a car, but it happens every day to hard working people just like you. It doesn't matter what your past credit history looks like, these online lenders work hard to get you the loan that you need. Take a look around the web today and you are guaranteed to find a loan site that can serve your needs. If you take the time to answer a few pertinent questions, it is possible in just a few days you can drive away in the car of your dreams. Apply today for the car loan you have been wanting!

Dental Insurance - My Dentist's Treatment Plan Goes Over My Yearly Limit! What Should I Do?

Many dental patients sign on the dotted line when they begin treatment and later find out that their dental insurance will not cover the full cost or as much of the treatment as they expected. Most dental plans allow for a yearly limit of between $1000 and $2000. If the cost of the treatment you receive exceeds the yearly limit that your plan allows, you should know beforehand so that you can make other arrangements.

When visiting the dentist, find out exactly how much it will cost. Sit down with the office manager or the person in charge of insurance and billing to find out what each procedure will cost. Before you sign for treatment to begin, check with your dental insurance plan to see what costs are covered and how much they will pay for your entire treatment plan. Once you agree to a treatment plan, and allow your dentist to complete treatment you are liable to pay no matter what your insurance does not cover.

Payment Options

There are some dentists that will agree to a payment plan that will allow you to pay off your dental bill in installments. If in your case your treatment exceeds the yearly limit and treatment is necessary to keep your teeth in good shape, sit down with the dental team that handles payments and come up with a plan that will enable you to pay off your bill at a monthly price that is acceptable both to you and the dentist. There are also third party credit solutions available that are specifically geared to help people with dental costs. Your dentist can often help you find these. You can also go online to find a bank that is willing to lend you the money. Care Credit is one such company that extends credit for those in need of medical or dental care whether they have insurance or not. There are a variety of plans that can be looked into to find out which plans are best for your needs and your dentist's requirements.

If your dental treatment is considered a medical necessity then you have the right to appeal to the medical part of your insurance plan to pay for treatment above and beyond what your dental insurance will cover. This will only work if your dental treatment is truly a medical necessity.

The Bottom Line

When going to the dentist and offered a treatment plan, be sure that you have the coverage before you start. If not, discuss the treatment priorities. Sometimes certain procedures can wait for the next insurance coverage period. If you are in no pain or if delayed treatment will not cause further treatment to be needed, you can often wait until your next year's limit comes around. Though no dentist will advise you to wait, you are the only one who knows what your entire situation is and what you can reasonably afford. The dentist will have your oral health in mind so don't be afraid to sit down with him or her and the staff. Your dentist has your best interests at heart and will work with you in any way they can in order for you to get the proper treatment you need and to make sure that your insurance benefits are maximized.

Clickbank Profit Machine Review - Buy or Not?

I just finished reading an ebook called 'Clickbank Profit Machine' and would like to write a review here. Many of my subscribers asked if this ebook worth buying? And here is my take...

First, what is Clickbank Profit Machine?

This ebook is written by a guy called Dylan Loh. You may or may not have heard about him but it doesn't really matter, what concerns us here is the quality of the product, is it worth your money? Well, the author claims that he makes a living from Clickbank and this ebook is a manifesto of the methods and strategies he uses everyday to create a fortune from clickbank. He promised to reveal all the methods that were proven to work!

Does he deliver? Well, if you're just starting out in Clickbank and AdWords, this is a guide that you should consider investing in. Why? Because it will help you save time and money without going through trials and errors. Making money from clickbank is not that hard but it's not easy either. If you're NOT following the right methods, the road to success could be very long and winding.

What makes the Clickbank Profit Machine ebook shines is the fact that it shows you the CORRECT ways or methods of earning money from clickbank. However, if you're an experienced internet marketer or already happy with your income, then you won't benefit much from this ebook except for some cool little tricks that could help you increase your bottom line.

Here are the 6 steps covered in Clickbank Profit Machine:

1. Clickbank & Google AdWords. This is a powerful combination used by many affiliate marketers who are promoting clickbank products. Nothing new here as there are already many ebooks cover this topic in depth. But I do learn a few tricks here (you can read the details in my blog).

2. How to find the right product. You will learn how to scope out Clickbank's products that are worth promoting. You will get a very useful checklist to help you do this quickly.

3. AdWords. This is the section for you to learn how to use Google AdWords like a pro. You'll learn many valuable techniques like how to find profitable keywords, how to write ads that will increase your click-through rates, how to optimize landing page, maximize conversions, and many other cool tricks.

4. Campaigns Optimization. Lots of powerful techniques on how to tweak your ad campaigns for maximum profits are revealed here. You will learn how to carefully raise your bids, how to monetize from new product launches, how to choose products that convert immediately, email marketing, and more.

5. Immediate Traffic Generators. This section is for those who hate to use AdWords or have a small budget. Everything you need to know about promoting products online without paying for advertising are revealed here. Topics ranging from article marketing to social networks are discussed. Using these methods, you can earn Clickbank commissions even if you don't have any money to spend on AdWords.

6. How to get your first commission. The author gives 12 reasons why you should start promoting his ebook. It's about self-promotion here but it makes good sense once you read his reasons. This is just common sense, since you're already reading it so why not start promoting it first by sharing your personal opinions or experience.

In addition to the 6 steps above, there are 9 surefire tips and 2 closely guarded techniques revealed towards the end of the ebook. So make sure you read it till the end.

Summary: Should you buy Clickbank Profit Machine or NOT?

Like I mentioned earlier, if you're new and consider using AdWords to promote Clickbank's products, it's worth to invest in this ebook as it could save you time, money and frustration. The methods discussed in this ebook are proven and they are not something totally new. In fact, most affiliate marketers who have been earning money from clickbank, are using these methods.

So if you're new, the important thing for you to remember is LEARN, DO and TEST. You simply must take actions and get your hands dirty if you want to earn money from Clickbank. After you read this ebook, nothing will happen until you take actions!

You Don't Have to Wait For a Bearded Dragon Sale on Supplies - You Can Make Your Own!

It's not cheap owning an exotic pet but instead of watching for a Bearded Dragon sale for all the supplies you need, you can practice the art of doing it yourself. Two of the biggest expenses you're going to encounter when you own one or more of these beautiful creatures are housing and food supply. Your pet's housing should be large enough to give him room to run.

You can build your own cage for the dragon by using material you find or purchase. Be sure that the material is free from any kind of residue that will adversely affect your pet. Design the enclosure to be suitable for the dragon's needs-one that mimics his natural habitat.

Be sure that you don't make all four sides of the enclosure glass. This will leave your dragon feeling exposed, like he has no place he can run to when he needs to feel safe. Inside this enclosure, your pet is going to need a shelter box. Some of the material you can use for that are wood or rocks.

Instead of waiting for a Bearded Dragon sale on the food you need for your dragon, consider making your own food supply. Dragons need a wide variety of food-everything from insects to fruits to vegetables.

If you're not 100% sure what's best to feed your dragon, don't just play it by ear. There are certain plants and insects that are deadly for your pet so make sure you know exactly what to give him.

How To Choose A House Plan - Part 3 of 10

Almost every house plan site offers to change their stock drawings to suit your specific requirements. That's a valuable service - but be careful, some seemingly small changes can be expensive to make, and even more expensive to build.

One Change - Lots Of Drawings

There was a time when changes to house plans were done in the field with no documentation at all. If you wanted to make the house a little bigger, you only needed tell your contractor - and you didn't have a plans examiner and a building inspector looking over your shoulder.

But as we'll learn in Chapter #4 "A Set Of House Plans Isn't Enough", building codes across the country are getting tougher and plans examiners are looking at house plans more closely. When a change is made to a set of drawings, that change must be as well documented as the original plans, regardless of the size or complexity of the change. Sometimes that's not a big deal but sometimes it requires quite a few changes to the set of drawings and expensive changes to the house itself.

Consider for example, a theoretical two-foot extension of a family room at the back of a two-story house with a basement. If you're working with a typically complete set of plans, your two-foot extension will require a change to all of the following drawings in order to be accepted by your local building department:

Foundation plan

First floor plan

Second floor plan

Roof plan

Left side elevation

Right side elevation

Rear elevation

Main building section

Those are just the "architectural" drawings - you'll also need to have structural changes made, which may require review by a Registered Architect or Professional Engineer. And in areas that require compliance with energy codes, those calculations will have to be redone.

Don't let this scare you away from considering altering your design - just be sure you get a firm quote on all of the work needed to get your drawings completely ready to submit for permits. Or better yet, find a plan that doesn't need these changes.

Some plan services have popular "pre-designed" additions and alterations with all of the necessary drawings already completed. If one of those designs meets your needs, that's a much more efficient and cost effective way to go.

Consider The Impact On The Rest Of The House

If you find that the change you want to make isn't offered as a pre-design, you may want to have a custom alteration made. But don't get caught up in major changes - the trick is to avoid doing so much modification that you'd have been better off choosing another plan, or designing a custom home from scratch.

Every day, my staff counsels homeowners who have gotten their home design almost done - and then added just one more room. Too often we find that final room (frequently a screened porch) is difficult or impossible to blend seamlessly into the design.

If they don't consider the entire design from day one, they risk "cobbing up" a perfectly good home plan.

The same concept applies to pre-designed house plans. Don't buy one that has almost everything you want and assume that your other rooms can be easily added. That one more room could mess up everything you fell in love with about the house plan in the first place.

Adding rooms to a completed plan can sometimes start a chain reaction of changes - the new room blocks a bedroom window; the window can't be moved without moving a wall; the moved wall makes the bath too small...etc.

Instead, take advantage of the "study plans" that most services offer. Buy a study set of the plan that's closest to what you want, and have the plan service or your design professional evaluate it for the feasibility of the change you want. Study sets aren't cheap, but they're a lot cheaper than having to rework an entire plan.

Architects Can't Stamp Plans

It's written somewhere on every plan service website: "You may need to have your house plans reviewed and stamped by a local engineer or architect."

Unfortunately, that's against the law in many jurisdictions - for Architects. By statute, Architects must prepare or supervise the preparation of architectural drawings before they can affix their seal or stamp to them. To do otherwise is called "plan stamping" and is a practice than can cost an Architect his license.

It's a bit of a catch-22; you have permission from the plan's author to alter the plans, but not from your state's Architect licensing board.

An Architect can - in some instances - stamp a set of plans he didn't prepare if he's made significant alterations to them. What's considered "significant"? That's for your Architect and his State Board to decide. If you're making lot of changes to the plans, you're probably in the clear, although there's no accepted legal threshold for what are "significant" changes. But what if the design you've found is OK as is, and you simply need to get it ready to submit for permits?

Ironically, a "non-architect" - a residential designer, drafter, or structural engineer - might be a better choice in this situation. As an Architect myself that's tough to say, but the law is the law!

For structural review the answer is easy - find and hire a local structural engineer to review the plans, size the structural members, and place his stamp on the set. An experienced structural engineer might catch a few "non-structural" code issues along the way, too.

For non-structural issues you may be able to have an Architect provide a sheet of standard notes that you can attach to the drawings - without the need to stamp the drawings. You may also be able to get this information from your builder, or from a residential designer or drafter.

But then again all this might be moot - since very few jurisdictions in the country require an Architect's stamp on single-family home construction drawings!

So check with your building department first - but don't assume an Architect can always "stamp" your pre-designed plans.

Minimum Code Compliance

Plan services sell plans that conform to the code that was in effect in the location the house was built, and at the time the house was built.

In the United States, local building codes are based on one of four current "model" codes. Each of those codes share similarities, but each has its differences, too. Each code goes through periodic revision, so they're constantly changing.

It's very likely that the house plan you buy will need some changes to bring it "up to code".

More importantly, however is the idea that the plan you buy will at best be only minimally compliant with the building code. That will get your plan past most building departments but will leave quite a bit of the specifications and details of the house undecided.

That's the case with most single-family construction drawings, even the ones you get from an Architect. It's your job to work with your builder and maybe your interior designer to address all the details you need to build out the interior and exterior finishes.

Check your plan service's list of drawings - some services include more detail than others. The plans are a good start, but you might still have a lot of work yet to do!


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