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My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

Cash For Cars Removal - How Can It Save You Money? Cash for cars removed in Cash for Scrap Cars Removal is an excellent way to take the burden of disposal off your mind and have your car properly disposed of. Car removal companies remove cars that are not being resold or who don't meet environmental standards for disposal. They pay you the money for your car's value directly to the company, and then remove it at no cost to you. Cash for cars removal companies typically do not take responsibility for vehicle damage during the process of taking your car away. They also will not pay to get your car back if they discover that your vehicle does not meet their criteria for taking it away. Cash for Car Removal offers two methods of payment. Methods of payment are chosen based on the needs of the individual company and what the business can afford. Methods of payment generally range from a lump sum payment to monthly payments. If you pay in monthly installments, from Cash for Cars Bundall your car will be removed several weeks before your next payment due date. When you pay in lump sum, your car removal company will pay all necessary charges to your bank. This means you won't have any hidden fees. There are many advantages to hiring Cash for Cars Removal. Some of the advantages include the following: Cash for Car Removal companies offer environmentally friendly services for people who need to sell their used cars or vehicles, but do not have the money to purchase new ones. If your car or vehicle has certain cosmetic damage that prevents you from reselling it, you might qualify for a Cash for Cars Removal service. The removal companies also work in partnership with junk yards and dispose of old vehicles there, as well as storing vehicles temporarily while owners who qualify for bankruptcy are given another chance to start over. Cash for Car Removal also has an agreement with the city of New York to pick up and remove automobiles that have been ticketed or convicted of city driving laws. Not only are these individuals given another chance to start over with their lives, but the cars are also sent off to the junk yard or storage facility so they can be recycled and sold again. Before you get started, ensure that you do not have any outstanding tickets, unpaid taxes, liens, or other legal problems that may prevent you from getting Cash for Cars Removal. Cash for Car Removal offers safe and secure pick up and drop off locations for individuals who have valid licenses and insurance to drive vehicles. They work in partnership with various banks to provide the safest and most reliable finance-oriented services around. Cash for Car Removal is committed to helping individuals buy or sell used cars that meet their financial needs and do not pose any financial or environmental problem. Cash for Car Removal services are provided by many different nationwide junk car removal companies, as well as independent contractors. When you contact a Cash for Cars Removal company, make sure you're working with a reputable company that has years of experience dealing with every type of situation. Cash for Car Removal has been at the forefront in providing the most eco-friendly and convenient ways to remove your unwanted vehicles from your home or business. Using a Cash for Cars Removal company allows you to spend your time elsewhere instead of being stuck in a high traffic area. Cash for Car Removal gives customers a choice between paid removal and free pick up. The cost of each service is based on the amount of vehicles to be removed, the distance the vehicle is removed, and how many will be dropped off at each point. When used correctly, a Cash for Cars Removal service can save you hundreds of dollars and hours of unnecessary driving.

Latent Needs The larger and more significant portion of the market is comprised of prospects who do have needs for your product or service, but haven’t yet recognized those needs. In QBS, we say that these prospects have latent needs. Latent needs are needs that do exist but haven’t yet surfaced as problems or desires. Prospects with latent needs fail to recognize that they are no longer satisfied with the status quo. As an example, suppose you and I were standing beside your car when suddenly we noticed that one of your tires was worn down to the cords. Instantly, you would have a need for new tires. The question is, did you have a need for new tires yesterday? Sure you did. The tread on your tire didn’t wear itself down overnight. But until you actually recognized the existence of a problem, your need for new tires was latent. It existed, although you were not aware of it at the time. This is essentially what happened when Brent called me. I absolutely had a need for septic tank improvement products, but my need was a latent need. Salespeople encounter prospects with latent needs all the time—especially prospects who say things like: “I don’t need life insurance because I’m not planning to die any time soon.” Or, “We don’t have time to evaluate new technology, because we’re too busy putting out fires.” Here’s my personal favorite: “We can’t afford sales training right now, because sales have been slow.

no man can afford not to insure a treasure for his old age and the protection of his family, no matter how prosperous his business and his investments may be.

YTS York tree specialists offers full Arboricultural & Tree Surgeon service for York. We offer the best and most affordable tree removal, stump grinding, tree trimming, tree surgeon. Our team of arborists are all licensed and insured to handle any tree service. Our tree services extend throughout York (including Middlethorpe, Fulford, Heslington, Dunnington, Stockton On The Forest, Huntington, Earswick, Rawcliffe, Hessay, Rufforth, Angram & Bilbrough) for both local homes, and businesses.

the head of innovation of an international French insurance company. I was supporting a HealthTech start-up providing remote chats with GPs in South Asian emerging countries. As data is the new oil, the start-up was also capturing analytics in the process on key trends for main pathologies. Patients in those countries miss affordable access to medical consultations. Equally, insurance companies miss useful data of the healthcare market and the patient requirements. People in this part of the world cannot pay for yearly insurances with large coverage but they could afford some level of insurance addressing specific diseases, pregnancy or partial coverage for their children. Hence insurance companies are keen to better understand this population and tap into a huge market. As the win/win was obvious the founder of the start-up had engaged with several insurance companies in view of developing an open innovation program. I was following up the engagement bringing the professional experience of working with a major healthcare innovative company in the US. The conversation started very well with an innovation manager genuinely supportive of integrating start-up creativity in the enterprise. Knowing the corporate world, I was not surprised to uncover two obstacles:

Wealthy people and corporations often give money to both sides in an election. They do this for insurance, because they cannot afford to offend the people who win political power. It is often an error to say they “put Hitler in power,” etc. People with assets need to avoid offending ambitious politicians. The wealthy contribute to many politicians if only to safeguard their interests. It is dangerous to be the target of government prosecution, antitrust, etc. All businesses are potential targets of government. J.R.Nyquist

Practicing law, he would soon find out, is like running any other small business. Most days he’s just trying to make his overhead: insurance and filing fees, Eddie Mae’s meager salary, plus $500 a month to lease the furnished office space on West Gray. He, quite frankly, can’t afford his principles.