To varying degrees, people understand that it is important to think about protection. When it comes to managing the personal finance family budget, of course the most familiar aspect of protection is insurance.It isn’t, however the only thing people think about when processing the 14 ways the brain thinks about money. Finance protection includes insurance, but it also includes expenditure on childcare, elderly care and other obligations, such as maintenance, alimony, and child payments.Our attitude to finance protection is to protect against life events, shocks and disasters or harm, therefore the money spent on these things is often prioritised as a necessity.Protection: The Most Damaging EventsThere are a vast array of insurance products sold to people on the basis of their perceived risk and concerns, from statutory insurances like car insurance and some government levies, to lifestyle insurances against health, accident, job loss, and death. Life has a tendency to spring surprises, but it can be difficult to know which of these surprises can be most damaging to family finances – is it an unexpected flood, the sudden death of the breadwinner, or the loss of a job through long term illness?The answer, of course, is simple – the most damaging of all these is the one not planned for. The most damaging shock to finances is the one people think will never happen to them – until it does.Protection: Balancing Today v TomorrowWhen considering personal finance budget worksheets, spreadsheets or family budget systems, the best protection is anticipation, so by adding up and balancing spending to income, it is possible to look at a forecast by extrapolating forwards and taking a look at the picture for ‘tomorrow’.Then, depending on the degree of perceived risk, decisions can be made to insure against risk and loss. For example, many don’t insure against the loss of a mobile phone – yet when it is lost, for many the experience is extremely inconvenient.Contrast that though, to fathers who fail to insure their lives and leave their families in significant difficulty when they suffer an accidental or sudden death. Some insurance decisions are lifestyle choices with low impact, others have devastating impact when lifestyle choice is prioritised over insurance.Protection: The best ways to protect what you loveClearly, insurance is the number one protection vehicle, or a savings vehicle with an element of life cover attached. Not everything though, can be insured in this way. Therefore people should really set financial goals, or even set just a small amount aside and create a financial buffer.Considered opinion seems to be to create a 6 month income equivalent, as a buffer, but with careful budgeting, goal setting, and financial forecasting, perhaps. Utilising a personal finance budget software online, for ease of use, reports and tracking the consequences of financial lifestyles is perhaps not the best way to protect what you love, but it can and does provide critical insight into how the brain segments the spending in our minds.
Personal Finance Series: No 29 – What To Protect, What To Put First, And When
The Ultimate Photography Business Management Software?
As a professional photographer, you’re also a small business owner, I know that administration can take up a lot more time than I like.I’m talking about:scheduling appointments,
dealing with supplies and inventory,
all the other “background” tasks that keep my business going.That’s why in recent years I’ve become very interested in embracing technology to automate and centralize as much of these “administrative” activities as possible.As a photography business owner, you no doubt love doing photography – but in order to do what you love, you must administer your business and get new business through marketing.For example, how much time do you spend managing your appointment schedule or dealing with payments by cheque or cash, or sending out appointment reminders to minimize no-shows?These tasks are necessary, but do take up a lot of time.Of course no software will replace you and your vision, but you can use software to automate some processes to free up your administrative time. The key is getting the right photography business management software that won’t cost you a fortune.Unless you shoot exclusively in a studio, you’re likely off-site regularly photographing clients. If you spend a lot of time off-site, it’s tough to administer your business – unless you’re able to access your photography business management software.How You Can Bring Your Office Anywhere With YouThe easiest way to bring your office with you is with a mobile computer and using cloud-computing software. The mobile computer is simple – an iPad or laptop will do. It’s the cloud computing software that you need.What is Cloud Computing Software?It’s software you can access entirely on the Internet. It’s also called web-based software and it’s growing dramatically in popularity. The days of desk-top software that requires installation on a local computer are disappearing.Have you ever been on a photo shoot and get a call during down-time for an appointment? If you don’t have your schedule available, you have to call them back – possibly losing the booking. If you have complete access to an online schedule, you can book the appointment right away.Automate Photography BookingsIf you offer set photography packages, you might want to consider offering clients the ability to book their own time on an online schedule they can access with an Internet connection. You could create a web page explaining your packages and the time required.Put the control in your clients’ hands and they’ll be delighted they can book a photo shoot without minimal hassle. You’re delighted because you booked a client without getting involved.Reduce No-ShowsOne of the worst money-losers in any business that books appointments – such as a photography business are no-shows. Yet, you’re probably too busy to sit at a phone each day making reminder calls.What if you could automate reminders? This is ideal, and with top-of-the-line photography business management software this is not a problem.How it works is your online scheduling software is linked to a powerful e-mail delivery software application that automatically sends out e-mail and text messaging reminders to clients at a time before the appointment you specify. Even if you prevent 2 no-shows in a month, the software will pay for itself.Running a Photography Business is More than Managing a ScheduleDo you hire independent contractors or have staff photographers?
Do you offer payment by credit card?
Do you have any time left to market to your existing and past clients?You can certainly get individual photography business software applications to manage each of these 3 types of administrative activities. You can get payroll and staff management software.It’s not hard to find credit card processors to integrate into your system. And of course there is no shortage of marketing software applications available – especially e-mail and text messaging software services.But, if you could centralize all these types of administrative activities in one software application, you’ll not only save time learning how to use it all, you’ll save time and hassle integrating it all together… because it already is integrated.What I’m talking about here is ramping up your administrative efficiency by using an all-in-one photography business software that offers all the systems and processes you need to manage your photography business.I’m a huge fan of all-in-one software packages because I need only learn one type of software. How much software have you bought only to never really use it fully because you didn’t take the time to learn it.I’ve got all kinds of software on my computer just sitting there. The software I do use extensively is that which is central to running my business and that basically manages most of my administrative activities.Here’s the Real Value of All-In-One Photography Business SoftwareThe true asset of your photography business is your database of clients – past and present. Those clients not only provide you work, but refer you to their friends, family, and acquaintances. Your database is your gold and so you must harness that database in order to build your business.If you have different software applications managing individual tasks, you likely have a mish-mash of contact lists and client profiles scattered in various files and software applications.When you centralize your entire photography business management software, you’re able to centralize your client database – and then leverage that database in all your business management activities.An Example:I’m a huge fan of communicating with my database of clients via e-mail. If you use different software applications for different activities, then when you book an appointment, you must load that contact into each database – perhaps in the scheduling database and then your e-mail marketing database. You end up managing multiple client contact lists.It’s far more effective and efficient that when you book a client into your schedule, that client is automatically logged into a central database with all their information, from which you can then launch e-mail messages, text messages, and even then generate business reports informing you about how a particular client is contributing to your business.The key is moving toward a one-step process. That step being once you have a new client scheduling, that client is now part of your entire photography business software platform from which you can completely manage that client.The same goes for centralizing your independent contractor / employee details into the same system. You can then generate payroll reports showing your payouts to each photographer on your payroll by client.Take Your Photography Business Software to the Next LevelDo you offer pricing packages? Probably. Is it a hassle managing all those packages? A centralized, all-in-one business management software specifically for photographers lets you create pricing packages that integrates with your credit card processing and your client management.Not only this, but the right software will also make it easy for you to create gift cards, track your client’s referrals (then send out thank you messages), pricing packages, discounts, etc. – all in an effort to increase your sales and offer your clients more choice.What About Selling Products on Your Website?As a professional photographer, you can get great deals on photo-related products and services. You can create another profit center on your website by selling products and services. Because you know the business so well, you can offer only the best to your clients.Moreover, because you’re a professional, you’ll have instant credibility and trust and could create a profitable e-commerce store that earns revenue with minimal effort and time.In a nutshell, the best photography business software is web-based and offers the following centralized functions:Scheduling – online, centralized, and self-bookings;
Credit card processing;
pricing packages and gift cards;
E-commerce and online store opportunity;
Payroll and staff management;
E-mail and text messaging capability – automated reminders and marketing channels;
Total client data management totally centralized;
Client referral tracking (this alone should be harnessed to the maximum);
Financial and performance reporting that uses all the centralized data for comprehensive, up-to-date information.
Creating Your Own Internet Business Service
Internet marketing attracts people from all walks of life. So much so that it has become one of the most widely spread business concepts, with people trying their luck every day with, it has to be said, various degrees of success. The fact is that anyone with a PC and an internet connection can join in because the entry barriers are so low. In addition, and on the downside, any so called “guru” supplying an internet business service out there can draw in even the most inexperienced and technically challenged people. So if that’s the route you’re going, just make sure that your mentor comes recommended by somebody you trust-always the best way!OK so you’ve decided to start an internet business. Now comes the more difficult decision as to what kind of business and just like in any other type of offline business, you will have a much greater chance of success if you’re emotionally connected with the topic. Assuming that’s the case, it’s then a question as to how to package, advertise and ultimately sell your product or service. Of course, it is possible to run a successful internet business even if you do not initially have the necessary experience in that field, but you do have to have done your homework before you jump in and crumble in the face of the first obstacle that you face.To get you started, there are a plethora of tutorials, video courses, e-books, and podcasts freely available on the internet. Better still, get a new mentor and they will teach you the nuts and bolts about earning an income online. The idea would be to invest in the internet business service from just one mentor (not several) and stick to their program. Many who venture in this sort of business do not have a plan to follow and get lost. They are always looking for the next best internet business service to buy that will teach them the ‘latest’ secrets to online marketing. My advice is to consider one course and stick to that one until you make your first money online.Do not try to reinvent the wheel!By following an established plan by an internet business service expert or mentor, you can take a shortcut to your own online success, so be careful not to get yourself started on an unsuccessful plan. Internet business services that offer get rich quick schemes will generally point you in the wrong direction or they are most likely scams.If you want to succeed online be determined to succeed, set targets and get organized right from the start. Find the right internet business service or mentor and you will avoid information overload into the bargain, and that’s really crucial, trust me!
Business Services in Kent and Bromley
The people running large companies and businesses have to be on the move all the time. Business men have no time to spare. The competition is really tough. The companies are trying to outdo one another in their fields. The companies need proper hiring of skilled men to take the business to greater heights.This is not enough to make the business run the companies also need good guidance in the form of specialized business services. The businesses in England mostly hire different firms from different cities in England. No one has idea of Kent and Bromley as good business service providers but the truth is that Kent consists of some really good accountancy firms.Often people do not take any services of specialized accountants for their companies and try to take hold of the things themselves. It is of no use for one to peep into things that one does not know well. They may be reluctant to pay any extra wage. One needs to contact some consultancies to improve his business. The specialized accountants can make your life easy. These men can help you bring down your tax bills. The accountant services online can help you find such helpful firms in England specially Kent. Accounting software is also available but you still need some guidance for using this software. This can make your life really easy and business can prosper in days.Similarly business management is another thing. Business needs special management skills in the long run. The business websites offer now some really well reputed business consultancy firms in Kent. They can easily keep check on your debt and credit. They provide you with really good management services.In the modern days, the businesses are to be insured to or be secured from any kind of failures. This keeps the business men on the safe side as no one is aware of any event to happen. This keeps safe the employee from any errors that employees may incur. This keeps the employer in ease and comfort.These services keep one from any hectic routine of work. When you start your small business, you may have no idea of how to manage your accounts. You may have nothing insured at that time. It is a possibility that you are not ready to hire any men for some wages that you cannot afford. Initially the business starts to roll but as the work starts to take its toll, you may become unable to cope with it. The tax bills are also huge initially. You may go totally in loss. Probably, one of your mates advises you to consult some accountancy firms. Moreover, if you did so without caring for the money, soon your business will start stabilizing by some good management and accountancy skills. Soon your tax bills would also come down.Have you consulted a firm yet? Do it now. It’s the right choice for one’s business. Many consultants can prove to be the best candidates for such services and it is quite easy now to find a good service provider. Make your move now.
Reasons Why You’re Not Making Money Online
There are some Average Joes that are making thousands of dollars online, so why aren’t you making any money online? What’s stopping you from being a successful online marketer?Find out the reasons why you’re not swimming in money just yet.Too LazyOne of the common reasons why people don’t make money online is because they’re too lazy. Building a successful online business requires you to work like a business owner.I’m not saying you need to work 12 hours a day like some of those workaholics, but you need to at least spend 2-4 hours a day working on your business. If you’re unemployed or you have a lot of time on your hands, you should spend as much time as possible working on your business.You need to be able to fully commit to creating your online business. At some point throughout your success, you will have the option to sit back, relax, and be lazy, but in the beginning of your journey you have to be committed to work for a couple hours every day until you’re successful.The online world is full of distractions. Facebook, Twitter, Instagram, and all those social media and news sites, can and will distract you if you don’t figure out ways to discipline yourself. If you have to, block yourself from accessing certain websites while you’re working on your business.Time is money, and if you’re constantly distracted, you will wonder where the time went, and you will also wonder why you didn’t get anything done.Don’t Know What To Do If you’re just being introduced to the idea of making money online, consider yourself a newbie.You probably don’t know what business model to get into.You probably don’t know what niche to get into.And you probably don’t know how to do any of the technical stuff.If you don’t know how to do something, look it up online. There are tons of free resources that you can take advantage of, and you could literally learn everything you need to know about building a successful online business for free.Shiny Object Syndrome Are you buying every product in sight?Are you chasing a dream without actually working towards it?Are you afraid to commit to one business model without knowing if it is the right one?Are you hoping that the more products you buy the more money you will make?Stop it right now! If you have more than 10 products on your hard drive, you don’t need to buy anymore. Study those products and apply what you learn. You will learn a lot more from taking action then you will from buying product after product.Combination Of Many ReasonsToo many excuses. Fear of failure. Fear of success. Lack of discipline. Afraid to leave your comfort zone. Lack of guidance/direction. Lack of goals.Those are all a combination of reasons why you may not be making any money online. Luckily there is a cure.The CureBecome A Fearless Boss.In order to become a fearless boss, you need to develop the following traits:- Get disciplined- Take massive action- Set Goals- Face Your Fears- PersevereA fearless boss, is an individual who is willing to do whatever it takes (within ethical means) to become his/her own boss, and write his/her own checks. You deserve more than the 9-5, but you have to change your way of thinking and your way of doing.
You Can Easily Make Money Online With Online Writing Jobs
Yes, you can make money online easily when you opt for online writing jobs. If you are looking for such a job, things don’t become slow, difficult and expensive. Unlike conventional writing jobs, the online version allows you to work right from comfort of your home and get paid as well. Depending upon your choice, you can select a topic you are comfortable with. This job offers immense flexibility. For instance, you can choose your topic; decide on number of hours you wish to work, work from home or a café.There are many writers who make money online working in different job profile. For instance, you can become an article writer write short news items, themes and topics. Then there are ghostwriters who are basically writers that have a specialization to write for another person portraying as if they are that person. Presently, the freelance writers are in great demand. The number of freelance writers available is increasing every second as it offers numerous benefits. For example, you can select the topic and when the work gets finished, you can start another writing assignment. Similarly, here you have the freedom of deciding from where to work, when to work and how long to work.Of course, when it comes to freelancing job, you ought to focus on your freelancing skills. To begin with, you are expected to offer quality writing in order to meet all needs of the client. Ability to express your ideas in a concise, clear and correct manner can bring an instant fame as a perfect freelancer. The articles you write needs to generate substantial interest among the readers. If you are writing for online businesses, make sure the articles are SEO optimized. This is partly because these businesses use the articles to meet online business promotional needs. If optimized accurately, the websites end up receiving good number of viewers and top ranking in search engines.These days, a lot of websites need fresh content at regular intervals. The content in question could be anything – blog post, article, guest post, forum posts, and more. This means there is no dearth of writing assignments. All that you need to do is to browse the internet to find the right work.Fortunately, there are several websites that are of great help in finding online writing assignments. For instance, you can refer to websites like Freelancer, Upwork or PeoplePerHour to find one job of your liking. Thousands have already benefitted from these sites and you can benefit as well.In case you are willing to spend a small sum of money, a website like Paid Online Writing Jobs can be of great help. Remember – the site offers you 24*7 customer support and maintains a huge database of available jobs. You just have to spend a little money. This way you can find all relevant information. You can also go through numerous customer testimonials furnished in the website.
Anti Aging Treatments And Antiaging Nutrition Can Make You Feel 10 To 20 Years Younger
Anti aging treatments are breakthrough discoveries! By adding antiaging nutrition and anti aging supplements you can make yourself feel 10 to 20 years younger and let you discover a lifestyle full of energy and vitalityTo be your best throughout your life, you should practice ant aging techniques and utilize anti aging treatments, as well as practice good nutrition and take supplements that will help you feel better and may even help you have a longer life. Oftentimes, chronological age does not reflect biological age. This is because many people have abused their bodies so as to make themselves older than they have to be. Sometimes, this is outright abuse such as drug and alcohol abuse, but oftentimes, it is simply ignorance and a lack of proper anti aging nutrition and supplements to help people stay their healthiest as they grow older. To help make sure you stay your healthiest as you age, you should exercise and eat a healthy diet. In addition, you can take antiaging treatments, such as specific nutrition and anti aging supplements, that can help slow the aging process. Certain vitamins and minerals, for example, fight free radicals that attack your body’s cells and accelerate the aging process. In turn, this weakens your immune system and can make you ill. Various antiaging nutritional supplements can be found in any health food store, and can also often be found at your local department store or online.Although many of them are purported to have great benefits, you should check with your doctor first before you take any of them, since some can interfere with any medications you may be taking. For best effect, you should try to find natural antiaging treatments and nutritional supplements that can help minimize any side effects you might have. Some examples of these include vitamin C and vitamin E. In addition, green tea is a powerful antioxidant beverage that you can replace at least part of your coffee consumption with, for better health and vitality. Because these substances help protect your body against free radicals, they may protect it from certain cancers and help keep your heart healthy. In addition to helping protect you against free radicals, taking these antiaging treatments in the form of anti aging nutritional supplements can also help fill in nutritional gaps that you may be experiencing in your diet. Therefore, the supplements you take for your antiaging treatment should include both vitamins and minerals such as calcium as you build your antiaging and nutritional treatment plan.Antiaging diet nutrition and exercise Remember that your anti aging plan should include a combination of several different anti aging treatments that work in tandem to help keep you healthy. For example, your antiaging treatment plan should include both diet and exercise to help keep you vital as you age. Because you will be eating the right foods containing the proper nutrition, including nutrients that boost energy and contribute to antioxidant protection, you should feel a surge in your energy very quickly. Your antiaging treatment plan should include a diet that is high in antiaging antioxidants, including omega-3 fatty acids and ample fruits and vegetables. Be as careful as you can to include only healthy, nutritional foods in your diet.Examples of these include green leafy vegetables and barley grains, nuts, and extra-virgin olive oil. These can help rejuvenate cells and strengthen your immune system. If possible, use organic vegetables in your anti aging treatment plan and diet when you can, because they contain more nutrition and have not been grown with pesticides or other chemical residues that could end up in your food. In addition to simply making you feel better, these nutritional changes can help reverse the aging process itself and reduce age-related side effects. You should feel more energy and have a greater zest for life.Some foods that you should avoid in your diet for best anti aging effect include refined flowers and sugars, and foods with high amounts of saturated and trans fats. These foods increase the production of free radicals in your system and do not contain the nutrition necessary to protect you from them. Keep in mind that you should balance your nutritional plan and diet with a lifestyle that contains balanced levels of physical activity, as well as nutritional treatments and supplements for the best antiaging treatment plan.Anti aging Treatment nutritional foodsVegetables and fruits: When in doubt, go for color in your fruits and vegetables. Brightly colored fruits and vegetables are sure to contain high levels of antiaging antioxidants, for best nutritional value and success in your antiaging treatment planFish: Fish such as salmon that are rich in omega-3 fatty acids are beneficial to both your heart and brain, and may provide other benefits as well. If you don’t like fish, you can take capsules that contain fish oils. Some also include deodorizers, so that you do not even have to taste the fish at all if you don’t like it. If you are allergic or can’t have any kind of fish for some reason, other omega-3 fatty acids such as flax oil are a good substitute.Yogurt: Yogurt contains beneficial bacterial enzymes, such as lactobacillus acidophilus, which are friendly bacteria that help improve your digestion.Unsalted nuts: Eating small amounts of unsalted nuts every day (about 1 ounce) is preferable for optimal health, unless you’re allergic. They contain both B vitamins and healthy fats necessary for good health in your antiaging treatment and nutritional plan.Fiber: You need at least 25 grams of fiber every day for optimal health, along with 8 ounces of water. This will help keep you regular and avoid constipation. It also will help you feel full sooner, so that you’re less likely to overeat.Water: As noted above, you need at least 8 ounces of water every day. The water will not only help improve your digestion and reduce constipation, but along with fiber, it helps keep you full so that you’re less likely to overeat. In addition, it helps flush toxins from your body, so that they don’t stay within your cells to further accelerate the aging process.Along with antiaging treatments exercise and keeping active will enhance your health by building strong muscles, feeding good amounts of oxygen to your body cells, which helps in the rejuvenation of your overall body. Exercise is also a great way to collaborate fatigue. People that are more physically fit usually have more energy to finish routine tasks with a lot of energy left over to enjoy other things in life.Skin treatments for anti aging ProtectionAs you age, your skin will inevitably undergo some changes, such as wrinkling and sagging, despite your best efforts to avoid them. However, you can greatly reduce the speed at which this process happens and may even be able to reverse the effects somewhat by taking a few basic measures to ensure skin health.First and foremost antiaging skin treatment, whenever you are in the sun, you should wear sunscreen. Depending on your family genetics, you’re at greatest risk for skin cancer and other son-related aging problems, such as age spots, wrinkles, and even skin cancer the more fair your skin is. You are also at risk if you got a lot of unprotected sun exposure in childhood. African-Americans themselves have an SPF built in their skin of 300, so they are the only ethnic group that may not need sunscreen, although lighter skinned African-Americans may. Caucasians in general need sunscreen, the more protective the better. It should be at least a minimum of SPF 15. This will help protect it from the ultraviolet rays that age skin so quickly and that may even cause skin cancer.In addition, certain anti aging supplements can help slow or even reverse the antiaging process as you age. For example, vitamins A, C and E can help restore elasticity to your skin and give you a healthy glow. You may also decide to try one of the new antiaging treatments on the market, such as anti aging creams, or anti-wrinkle creams such as retinol, vitamin E creams or those with Shea butter in them. Other beneficial substances include cocoa butter or coconut oil.Of course, the best thing you can do for your skin is to eat a healthy diet and drink plenty of water. The nutrients and food provide necessary nutrition to your skin, and plenty of water helps keep toxins from building up in your body. It will also help keep your skin hydrated and looking healthy. Unfortunately, there is no magical antiaging pill to take that will make you look or feel younger, but nonetheless, there are certainly substances, such as certain vitamins and minerals as explained previously, that can help slow the aging process.If you take these antiaging treatment steps, including wearing sunscreen, exercising, eating a healthy diet and drinking plenty of water, as well as taking the mentioned supplements, you have a better chance of being vibrant well into your senior years. They should give you more energy, and you should also experience fewer ailments, as you get older, for the best life possible.
School-Based Mental Health
School-based mental health services are sorely needed to deal with mental health issues that are often barriers to learning. Such services need to be a critical component in schools to combat barriers to academic success. Unfortunately, schools are often poorly equipped to deal with such problems. Because states tend to bundle educational and mental health services, funds are directed primarily toward education and not treatment. In many school districts communities are also lacking in emotional support services and families do not have the means to purchase needed medical insurance to support outside treatment. Transportation to mental health clinics may not be available. Parents are often reluctant to send their children out of district to such centers. School psychologists are overloaded with assessment responsibilities while school counselors deal mostly with classroom problems, college applications, and day-to-day crises. Additional services from trained psychologists, social workers, and psychiatrists are badly needed to treat emotional problems and for prevention of future problems.A number of studies report on the prevalence of mental health problems in children. A report of the Surgeon General (1999) indicates that 20.9 percent of children and adolescents, aged 9-17, have mental or addictive disorders. Other studies support the statement that one in five students in school may have mental health concerns. At least two to three students in every classroom may have emotional problems of varying degrees of severity. One estimate is that 4.3 million students nationally suffer from mental illness that impairs their functioning at home, in school, and with peers. A report by Katoka, Zhang & Wells (2002) indicates that 78 percent of children aged 6 to 17 with mental disorders and 88 percent of Latino children do not receive needed mental health care. Mental health concerns are likely to increase in response to the recent economic downturn.Mental health is not only the absence of mental illness but also includes the skills needed to deal with life’s challenges. Emotional and behavioral health problems represent serious barriers to academic success and behavioral adjustment in school. Children and adolescents with emotional problems have the highest failure rates; fifty percent of such children drop out of high school. Emotional disability is the fastest growing special education in schools. In Ohio, one in five high school students reported seriously considering a suicide in the previous twelve months. Suicide is the third leading cause of death among young people and is considered a public health crisis by both the Centers for Disease Control and Prevention and the World Health Organization.Federal and state requirements mandate that schools attend to mental health issues since behavioral problems are treatable. Students who receive social and emotional support and decision-making skills have better overall grades and higher standardized test scores. Youth who received mental health services in schools showed significant reductions in psychiatric symptoms as measured by both parent and teacher ratings., Trained therapists serving on a consultant basis coordinate their efforts with school counselors and social workers. The cost of their services is often offset by savings from maintaining students in public schools who might otherwise need to attend more expensive specialized private facilities at the expense of the school district.
Short, Intermediate, And Longer – Term Impacts On Home Sales, When Rates Rise!
For many reasons, some, economic, while others, related to the pandemic – related, so – called, fatigue, etc, home prices, in most areas, have gone up, at, or, near, record amounts! Because of the prolonged period of artificially – created, low – interest rates, mortgage rates, have been at historic lows! Since, for most home buyers, using financing is essential to affording a purchase, when a low rate, causes cheap money, and, thus, the ability to afford more home – for – the – buck, prices usually rise! It permits qualified buyers to qualify for more money/ loan, because the ratio of monthly mortgage, to overall income, is artificially – reduced! How long will this trend continue, will it become the new – normal, will previous trends/ cycles return, and how will pricing be affected, in the immediate, intermediate, and longer – run, are, all factors, to consider! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, some possibilities, to consider, and understand.
1. Short – term: Since, the Federal Reserve Bank, announced, they planned to raise rates, three times in 2022 (of course, this was before the potential implications, and ramifications, from the Omicron variant), many feel pressure, to act quickly, to take advantage of today’s low rates, before they go up! Three increases will probably translate to, at least, a 0.75% higher rate, which will translate, for most mortgages, to hundreds of extra dollars, per month. Some things to consider, and pay attention to, is, this rate of increased home prices, will, probably, not continue, especially, at such a large degree! How longer one, expects to keep a specific house, is, one issue, to consider, thoroughly, and wisely, before proceeding!
2. Intermediate – term: Although, many believe, to – know, the precise timing of any projected rate – hike, is uncertain! The Fed has changed, and/ or, altered its strategies and approaches, in the past, What the intermediate – term, may bring, including potential inflationary pressures, how long the economic conditions, and unknown factors, related to the pandemic, etc, will determine, largely, what this phase, may bring! In addition, the attitude, and perceptions of buyers, and their confidence, etc, largely impact this real estate market!
3. Longer – term: In the longer – run, will things, restore, to what we have seen, so often, in the past, which is, alternating cycles, between, Sellers, Buyers, and Neutral Markets? The possibilities, include: a continued large escalation; a more – gradual, but persistent – one; some leveling; and/ or, will we see, at least, in certain areas, some sort of falling prices, for a period.
Affiliate Marketing Coach – Speed Up Your Affiliate Progress With A Coach
An affiliate marketing coach is someone who can help you lift the invisible ceiling which may be holding your affiliate business back. So much in business it is the limits of our thinking which stop us from achieving the things we set out to achieve.
In affiliate marketing this is very much the case. You don’t know what you don’t know! You may even be running down a rabbit hole in the complete wrong direction. I did this for years before finding an affiliate marketing coach who helped me.
Before this point I was trying to do everything alone. Many affiliates are doing the same but don’t realise their actions aren’t aligned with their desired outcomes. For me, I was focusing only on the things I liked to do, not the things which would drive my business forwards.
A clear perspective from a coach who isn’t so myopic in their thinking can change everything. If you keep doing what you’ve always done as an affiliate, your results will likely be the same. But if you’re prepared to step outside your comfort zone, you can make far greater changes in a small amount of time.
Much of affiliate marketing is about trial and error. You try several things and focus on the things which work. This is Pareto’s principle, or the 80:20 rule. But if you have no results to draw from, you could easily be focusing on strategies which will take years to gain any traction.
A few of the small shifts I made in my affiliate marketing endeavours are: shifting to promoting products which offer recurring commissions, I stopped promoting small value, low commission products, and I started using high ticket digital products instead.
These steps alone hugely helped me start generating tactics in my affiliate business. But I also got coaching and mentoring, and decided to take affiliate marketing more seriously. In the beginning, it was just a hobby, and I treated it like a hobby. But if you look at your affiliate business like a hobby, you’ll earn a hobby wage from it. Treat it more seriously, and focus on building a sustainable income which can replace existing work, and you can achieve much more. You get what you focus on!
Goals are useful signposts for affiliates too. For such a long time I was without a rudder as an affiliate. A goal gives you a specific destination you can measure and work towards. If you don’t have either a goal, or a strategy you can stick to with affiliate marketing, it’s easy to lose purpose and drift off in another direction.
When you’re looking for results and don’t have any, it can become completely demoralising! You need to stoke the fire of your own enthusiasm continually or you’re likely to become disillusioned and drop out. This happens to around 95% of affiliate marketers.
But you need to be in the 5% who stick at it and eventually break through and start making consistent sales. When this occurs will depend on the actions you take and how long you keep going for. If something isn’t working, try something else. Focus on the small wins like a hit on a website, or an email lead. Keep your enthusiasm high and you’ll be able to surmount the obstacles which come with the territory. But if you allow yourself to become dissatisfied, it’s much more difficult to keep going.
Affiliate marketing isn’t easy. It’s performance related which means that if you don’t make a sale, you don’t make any money. This is tough in the beginning because you can do a lot of activity which is unrewarded. But once you make a sale, there’s some light at the end of the tunnel. This is the goal of many new affiliate marketers – to make their first sale.
Once you have some positive feedback in terms of success, you can focus on the activities which brought it about. But until this happens, you very much need to trust the process. If you’re also paying a membership fee while this is happening, there can come a point where you decide it’s simply not working! This is common, and people drop out. But if you have a coach you can trust, things are so much more sustainable.
An affiliate marketing coach can help you overcome negativity, indecision, hesitancy and self belief issues. A coach can help you see things in a different light and to notice limitations in your thinking.
For me this has been a complete game changer, and not just for affiliate marketing. When you notice your own self talk is talking away your success and happiness, you realise you are the creator of your own outcomes. As you remember to change your self talk and thinking habits, you realise without belief there is no action. So belief is everything.
The person we listen to more than anyone else in life is ourselves. We talk to ourselves in our head constantly. Re reaffirm what we think and believe about ourselves continually. If we can learn to tap into this power, and start giving ourselves more positive commands, then we can grow both personally and professionally in a much more congruent way than simply through thinking, planning and attempting things in only the physical aspect of our affiliate business.