Refurbished EKG Machines For Sale

on November 22, 2011 · Leave a Comment

When researching the perfect deals of an EKG Machines for Sale, as usual the most suitable choice of people would be the Internet. As with every other items offered on the net, EKG Machines for Sale come in countless numbers.

If you are searching for a particular kind of EKG Machines for Sale, the web offer you the very best of its kind. There are many reputable internet sites that provide wonderful deals and comprehensive and detailed information that will assist you figure out what exactly to choose and what exactly not to.

Furthermore, because this equipment is used for clinical analysis purposes, it is then estimated that it’s very costly. However, you can still have a great bargain with out diminishing its guaranteed result. And that is possible if you use the web.

Locate the Most Affordable EKG Machines for Sale

Heart attacks cause twenty percent of the deaths that occur in the United States every year. It would be a great asset to look into purchasing used EKG machines for your practice. Patients will appreciate getting tests done at an office in which they are familiar, as opposed to traveling to a better equipped facility. These machines are examined multiple times and certified by experts to ensure you that they are still in great condition. Purchasing perfectly functioning refurbished medical equipment does not need to put your office into debt and it is a great investment for your practice.

Remote Backup Services

remote backup is the process of performing a backup of all your files and documents (or perhaps your whole system) on a remote server. Backup can only serve its purpose when stored in a safe and secured location. Backup becomes useless and pointless if there is no way you can retrieve your files when you need them. Studies have shown that computer breakdown have drastically increased because of the influx of different virus infections. Why risk the possibility of losing all your data and having to start all over again when you can actually have a backup software that is easy to use, fast, protected, and can be reliably restored whenever you need to? Search no more for a backup software that has all these features because Druva InSynch makes it all possible.

It will be a great relief to go for backup software that does the process automatically. For the remote backup to become a success, it should have the key features that are crucial in making this possible. Druva InSynch does not have any complication in its backup process. Whenever there is a need for backup restoration, the user can choose to restore from a set of data relating to different timelines because Druva InSynch has a point-in-time restoration. Additionally, it always checks for any change that has transpired within the computers on your network. It does the backing up so smoothly and quietly that anyone would hardly notice it has been automatically done every time an activity is detected. When it comes to security and protection, this remote backup solution gives the optimum with its strong 256-bit network, a backup structure triggered by the client, and an automatic encryption while the data are stored in the network.

Because Druva Backup software features central management, the administrator can have a full control over the configuration and setup. The administrator has the ability to set the backup schedule, to choose which files should be backed up, and to allocate the bandwidth that can be used by each client. The main attraction of this backup software lies on its data deduplication feature that eliminates data redundancy by screening and maintaining only one copy for every file. Backup time is significantly reduced because of this feature. Not only that, it saves a lot of storage space as well as bandwidth usage.

One type of commercial painting is industrial painting. Contractors use special coatings intended for industrial surfaces when providing these services. Examples of this type of paint job include factory equipment and water towers.

Most of the work are done by professionals. Paint jobs aren’t as simple as it may seem; they require the use of right materials and proper implementation. There are industrial buildings that need particular chemical mixture for the paint. Failure to comply with regulations on a building can result in accident and injury.

Trained painters can apply coatings to wood, steel, concrete, and iron. The panels, walls, and outside coverings are normally coated to maximize protection.

There are some contractors who directly paint safety signs to structural walls and floors. This helps companies keep employees safe and comply with OSHA regulations.

Transforming kids wall art from the usual crayon scribbled walls to a more contemporary one is easy through creative decorations and art pieces. Packing papers and whiteboard paneling are just among the two most common solution to get away with those colors.

A brown packing paper from the office supply store can do the creativity without having to ruin your walls. Hang this to poster structures without the glass or plastic covering. With this, it is possible to create a half paneling suitable for children’s art. The paper can be replaced as needed.

Should you like less permanent art panes, white board posters can be placed through the room. Thin as a poster board, its surface can actually be erased dry. These give children the opportunity to color as much as they want. You have to take note though that the dry erase markers used with this option can be harmful to very young kids. This is a very fair option indeed: you need not worry about the ruined walls while your children are able to decorate their room with their own art.

Categories: Arts and Entertainment

What Are Terranova Tests?

on November 3, 2011 · Leave a Comment

What Are TerraNova Tests?

As the education policy is very strong and firm in United States so there are different types of test which are taken after some period of time to track the progress of the students. The TerraNova test is also a very famous test in this purpose as this is a series of standardized achievement tests which is taken to the students of k-12 in United States of America. This test consists of mathematics, spelling, vocabulary, social studies, reading, science, language arts, and other specific areas.

The TerraNova tests are not used in every state of America but in some states. The state of California uses this test as the part of CAT/6 which is also known as the California Achievement Awards. The test series of TerraNova tests is published by McGraw-Hill. This system was available ion California for many years and when other states started to make their own standard based test system to become a part of overall testing movement in America which was in 2000, the CAT system was widely used in California and it was also really popular among students.

The TerraNova tests usually have multiple choices questions having a bubble sheet. Worksheet is also provided to solve the mathematics questions. The question paper is constructed with all sorts of questions and covers all areas of all subjects. This test can be of few hours but some students also take a complete day to complete the test. For the beginners the paper is quite easy but after the 5th grade the difficulty level increases.

Well the TerraNova tests are considered to be a great way to make the students more inclined towards the education. This test also reveals the weakness and strength of a student which should be overcome by the student to be successful in academics. There are a wide range of subjects and the test is made with short multiple choice questions from all subjects.

Scoring in the TerraNova test is not very difficult. As this test is taken in the middle of the year so student is in touch with studies and if all teachers resources and teachers worksheets are available then topping this test is not a big problem. Due to this test, study skills are also obtained by the student. After completing this test a student will know his weak subjects and will spend more time working on those subjects to gain more marks next time.

The main object behind the TerraNova tests is to examine and to identify the weakness and strength of a student, so in this way you can force your child to have his career in the field in which he is good at. This test also helps the parents to have a yearly report of their children’s progress. Teachers are also gain so much from this test and know that which student needs more attention and what are the weak subjects of any particular student. Teachers also motivate the students to score high in the TerrNova test by paying more attention and by doing more hard work.

Written by Shivashankar.V. Jirli.
Working as a Head of the Department of Mathematics since 15 years.

ACT math tutoring will focus on the 50 concepts that the test covers, which eliminates a lot of superfluous mathematics material. Use an ACT math tutor to hone down specific math and test taking skills with testing advice from astandardized test prep instructor in this free video on education. Expert: Brian Leaf Contact: www.brianleaf.com Bio: Brian Leaf, MA, is the author of McGraw-Hill’s Top 50 Skills for SAT/ACT Success series and has instructed SAT, ACT, GED and SSAT preparation to thousands of students. Filmmaker: David Pakman
Video Rating: 5 / 5

Categories: Education - Tags: ,

Apartment Renter or Home Buyer? What’s the best decision for you in today’s housing market.

on November 3, 2011 · 4 Comments

Times are difficult for anyone thinking about buying a home, especially if you are currently renting an apartment. The housing price spiral that drove up the price of homes has reversed, and prospective home buyers across the nation are perplexed by the thought of losing thousands of dollars in an uncertain market. Renters, on the other hand, are faced with making a difficult decision: does buying or renting make sense in today’s housing market?

Much to the dismay of many potentially good home buyers, credit requirements have tightened, new home construction has declined, and the risk of losing equity in a falling market is significant in some area. In short many home buyers are feeling themselves being squeezed out of the market. Apartment renters dreaming of owning their own homes may not be able to buy their dream home without sterling credit rating. On the positive side, sales of existing homes have started to improve, but this may not be enough to reinvigorate the housing market. Given the overall housing market situation one cannot help but wonder if renting an apartment really such a bad thing?

Home ownership is touted as the great American dream, a way to create wealth that can be passed on to future generations. Home ownership is considered so important by the government that it has created a multitude of ways for prospective home owners to obtain a mortgage. Normally, placing people in their own homes would be a sound and a good policy to follow, as everyone benefits. However the drive to make money from the least empowered, specifically the middle class, has resulted in the deadly Adjustable Rate Mortgage (ARM) and other creative mortgage financing instruments that have only lead to foreclosure and the collapse of the national economy as soon as the economic engine began to sputter in 2007. An inattentive or look-away government and greedy financiers allowed the sputter to turn into a choking sound in 2008. Mortgages fell into default by the millions and the panic began. Today, the government is attempting to remedy the situation by pumping trillions of taxpayer dollars into the nation’s lending institutions in an attempt to bolster the credit market and as we all know credit, not money, is the economic jet fuel that powers the economy.

What does all this mean to the family trying to decide whether or not they should buy a home anytime soon? For starters it means that buying a home is going to be quite a bit more difficult than before. Credit requirements have changed, not because people are less likely to default on their mortgage payments, but because lenders want to be absolutely sure that they have the money to lend other banks and borrowers. Interest rates, which are tied to a borrower’s credit score, are likely to be a bit higher for those without a low-risk credit score rating. Suddenly, a person’s credit score, which is tied to such factors as debt, making loan payments on time, student loans, judgments, and other personal financial information has become extremely important for home buyers.

A renter’s credit score is only used as an indicator of the tenant’s ability to pay the rent when they’re supposed to.

Beyond one’s ability to get a mortgage in the first place, however, are the problems that all mortgage holders have. That is, and despite what they have been led to believe by the government, social engineers, and lending institutions, homes are not an asset after all. A house is a home with a mortgage accompanied by property taxes, insurance building code compliance, inflation, maintenance and other expenses. Over the term of the mortgage, typically thirty years, although a fifteen-year mortgage is the smart choice, the home is supposed to appreciate in value and return a profit to the home owner upon sale. If you can wait thirty years to realize a profit in today’s market you are an exceptional investor. In short, a home is a liability that diverts personal wealth and investment opportunity into the bottomless pit of the bankers. As Robert Kiyosaki put it, “A home is not your asset, it the bank’s asset.” Renting an apartment may not be such a bad thing after all, at least from a financial perspective.

In conclusion, today’s housing market demands careful consideration of the pros and cons of home ownership from a financial perspective instead of an emotional perspective. The American Dream of home ownership is an emotional fixation that has served as the camshaft for the nations’ economic engine for nearly three decades. In a large part of the nation, the engine has seized up and may not be restarted for at least two years. In the meantime, renters don’t worry much about foreclosure and have the opportunity to invest their money in other assets – those that create income for themselves instead of paying for someone else’s asset. Renting may not be a bad choice after all, and for some it may be the only option available. That doesn’t mean renting an apartment is a bad thing, it only means that there is an opportunity afforded to renters that most homeowners neglect to take advantage of because they have been led to believe that their home is an asset that will be there for them when retirement time rolls around.

Written by SpiderWriter

Question by Daniel K: Can you own two home owners insurance policies?
I have one Home owners insurance policy. It just barely covers the cost of rebuilding which is close to the mortgage amount, in case of fire etc. Can I get a 2nd Home owners insurance policy to compensate me for my losses outside of the actual building of the house it self?

Best answer:

Answer by greeter7
No you can not get another policy…. But you can get smarter and tell your insurance seller to increase the loss amount on the home.. don’t forget to include the contents of the home.

Give your answer to this question below!

Categories: Insurance - Tags: , , , , , , , , ,

Philadelphia Bankruptcy Filing

on November 3, 2011 · Leave a Comment
2985941442 3750b95a7f m Philadelphia Bankruptcy Filing
by noaz.

That is a legally declared inability or impairment of ability of an individual or organization to pay its creditors. If you are going to file the bankruptcy, this is important to know all about the bankruptcy. This process start with the process begins with a petition filed on behalf of creditors. All of the debtor’s assets are evaluated, whereupon the assets are used to repay to balancing debts. At the time recession hit the economy all around the world, no one was able to safe himself from financial crisis. Every other person got entangled in the effects of this financial situation. They had to face loss in their businesses and were left in crucial situation. At that time people need the legal services to over come from their financial problem. Lots of peoples are suffering from Bankruptcy. Bankruptcy is a system that can give restart financial individual but there is also the limitation. Philadelphia bankruptcy lawyers can help you best to come out from your entire bankruptcy problem. They have lots of experience in their field. They Philadelphia bankruptcy lawyers explain you all these thing related to bankruptcy new law. Although bankruptcy can be a privilege by eliminating debts, it can also have an indirect effect on your future.

Philadelphia bankruptcy lawyers are Specializes in bankruptcy and in financial cases. They Philadelphia bankruptcy lawyers explain you all detail regarding to the new law. Although bankruptcy can be a privilege by eliminating debts, it can also have negative effect on your future. Philadelphia bankruptcy lawyers of Reinherz and Reinherz law firm is the best law firm to solve out your financial cases. At the time recession hit the economy all around the world, no one was able to safe himself from financial crisis. Every other person got entangled in the effects of this financial situation. They had to face loss in their businesses and were left in crucial situation. People made frequent use of their credit cards in order to meet their day to day needs. They were in a hope that this recession will not stay for a long and they will be able to pay their debts in time. But it did not happen and the recession prolonged. It added to the worse conditions. Finding no way out, people started filing for bankruptcy.
 

Written by ashley10666

Real Housewife Tube Housewife Love Gretchen Oc Housewife Nj Housewife Bankruptcy South Housewife http://t.co/FtBxsQAz new housewife – by Aldonzaezekiel (Clover Pansy)

Categories: Finance - Tags: , ,

How to Get The Best Mortgage Refinance Quotes

on November 3, 2011 · Leave a Comment

Mortgage refinance quotes are easy to obtain online, but finding the ideal mortgage setup can be quite difficult. Use the tips below to narrow your search, enabling you to refinance your existing loan more quickly and easily.

Know What You’re After
Mortgage providers will be hard pressed to offer the best mortgage refinance quotes if you yourself are unable to specify the exact kind of mortgage you want. Refinancing, after all, can come in various forms and each has its own pros and cons. Do you prefer a fixed or adjustable interest rate for your mortgage? How much do you really need to borrow? How much can you afford to pay each month? How many years do you think you need to pay off your second mortgage? What do you intend to do with your existing mortgage? Can you afford to make a balloon payment at the due date of your loan?

Look for Instant Comparisons
There are many shopping websites today that does all the hard work and allows you to go directly to the final stage of your decision-making process. These websites are generally unbiased; they are not mortgage providers themselves and their main motivation is to help you shop for the best mortgage refinance quotes.

When you go to such websites, you’ll be presented with side-to-side comparisons not only for their quotes but for loan features as well. If you’ve found one or two to your liking, remember to double-check by asking for verification from its respective mortgage provider.

Let Them Know You’re Comparing
A little competition never hurts and a smart mortgage broker never takes any customer for granted. If you want to get the best mortgage refinance quotes, don’t hesitate to let them know that you’re actively comparing rates. This will prompt them to outdo each other by offering you the most competitive rates and the best features available for your preferred refinancing option.

Don’t Be Afraid to Ask
Don’t hold back from asking anything that confuses or bothers you. Taking out a second mortgage, after all, is no small deal and if you end up with the wrong mortgage, you could be indebted for life.

Clarify all the points in your loan brochure or contract. Asking won’t cost you or the mortgage company a dime so get as much information as you need about your refinancing options.

You Are Not Obliged to Commit
Many experienced mortgage brokers can be extremely convincing. They are especially good at making you feel guilty just by talking to them and asking about what they’re offering.

Don’t fall for their tricks, though. Asking questions and making them give you the best mortgage refinance quotes they can offer does not oblige you in any way to apply for a second mortgage with them. You are merely exploring your options. That’s not a crime, is it?

Ensure Confidentiality
In the midst of consulting with a mortgage broker, you might be required to submit sensitive information about yourself. Before disclosing anything, make sure that your mortgage provider ensures complete privacy and confidentiality for whatever data you share with them. This is just a precautionary measure against identity theft and as such, your mortgage provider shouldn’t take it personally.

Use these tips when searching for the best mortgage refinance quotes and you’re sure to come home with the ideal second mortgage and with lots of extra cash to spare

Written by Daily Cash
Professional Writer

Categories: Finance - Tags: , , ,

Steering Clear of Affiliate Marketing Home Business Scams

on November 2, 2011 · Leave a Comment

Aside from the real internet entrepreneurs and internet home business owners, there are plenty of scammers and con artists out there on the internet that are more than happy to take your revenue and hard work without giving you anything in return. Unfortunately, Associate marketing is not immune to these scammers. Daily, folks are taken in by promises of big income and passive income streams with relatively little work. In this article we will teach you some of the common red flags to look for and tell you how to spot a scam.

When you decide to be a part of an Associate advertising scheme, you are either going to offer a product or a service. With products, you usually have a choice and range to sell. How you decide to do this is largely up to you. You could also sell a service. Web page designs as well as increasing commissions and internet traffic are all examples of services offered by Associate promoting programs.

How many times have you seen as ad on the internet promising huge earnings? Things like “Earn 1000$ a day” or Join our program now and become a millionaire. If your look closely at these ads they are not actually selling anything. Any company that is just selling the opportunity to make cash is likely a scam. True, some Affiliate advertising companies will have very attractive headlines like the ones mentioned above. However, if you go on to read the ad and information, there will likely be a detailed description of what they company sells. They will also have a disclaimer and terms and conditions listed.

These companies that offer, the opportunity to make money are likely pyramid schemes. The only people paying money in are the ones actually joining. There is no income being created, just cash being passed from person to person. Not only are these scams and you’ll lose what you invested, some of them are also illegal and you can face prosecution.

Another thing to watch out for is no free participation. If you have to pay to join then you may have stumbled upon a scam or what is known as a multilevel promoting program. Multi-level marketing programs are completely legal and some folks make good livings out of them. However, if you’re not successful you may end up purchasing a bunch of products that you cannot sell.

True Associate systems are free. That is part of their attraction. There are no costs to you and they should also be risk free. Any Affiliate advertising opportunities that demands your revenue is not an Associate program. You should ask yourself why they are misrepresenting themselves this way if they are legitimate.

Many of us dream of being our own bosses. We would love to be able to take control of our lives and careers. The attraction of answering only to you combined with setting your own working hours and committing what your choose bring loads of folks into the Associate promoting schemes. Affiliate marketing can be an excellent way for a highly motivated, creative person to make an excellent living. There are some wonderful opportunities out there just waiting to be joined. However, for every very good program there is likely one that is fraudulent. Con artists operate in many areas and unfortunate Associate marketing is not immune.

Before joining, check to see what the business is selling. If they are not selling goods or services then they are likely an illegal pyramid scheme. If they need your own cash to get started then they are what are known as a multi level marketing program. Affiliate marketing can be a terrific opportunity but you need to do your homework.

Written by Travis Winn
Internet entrepreneur, avid marketer, and money maker.

Categories: Business - Tags: , , , , , ,

When Should a Small Investor Buy Gold And Investing in Gold Jewelry – Article 2 of 2

on November 2, 2011 · Leave a Comment
2767394187 4f0b4ec4a5 m When Should a Small Investor Buy Gold And Investing in Gold Jewelry Article 2 of 2
by guano

In our first article, we discussed some of the essential facts for a small investor to know about how to buy gold. We also discussed how today’s gold market and the Internet facilitate the purchase process for the small investor. Now, we will cover when it’s the best time to buy gold and the basics of investing in gold jewelry.

The standard buy and sell axiom for any economic transaction has always been, “sell when it’s high and buy when it’s low.” Although this mostly still holds, the truth is that in today’s volatile market, no one but God knows when it’s going to be high or when it’s going to be low. In essence, only He knows what’s coming next.

The proof of the pudding, let’s say, is in knowing when to buy what, and when to sell. In general, this takes daily market watching for fluctuations. It takes especially watching the market for two weeks or months before one decides to buy gold. Not discarding the old axiom, try to buy when gold is low.Howbeit, the following is not financial advice.  It is only for informational purposes.

~~~~~~~~~~~~~~~~~~~~~~~~~

1. Continue to watch the gold market daily. When gold increases about or more, sell it.

Next time you will be able to buy gold in greater amounts. Repeat this process to increase

your investment in gold without waiting for five to ten years for gold to increase in price.

2. Gold fluctuates daily. Use these fluctuations to make one’s own profits in gold.

3. Investing in gold online will help keep even a small nest egg safe from volatile markets.

4. Because gold is a long-term investment, one doesn’t need to know the exact point of entry.

A Good Start for a Newbie Small Investor Is To Buy Solid Gold. (1) These come in the form of gold coins, gold bullion and gold bars. There is nothing better than holding the gold coins tangibly in one’s hands. Many companies help a small investor buy gold directly. It is the investor’s choice whether to keep possession or not. Be certain to research every investment thoroughly before one invests money. Make sure to deal with a legitimate company. If suspicions arise, trust your instincts and get out.

In Addition To The Traditional Gold Bullion, Bars and Gold Coins, A Small Investor Can Still Invest In The Most Common Form of Gold Puchasing There Is, Investing In Gold Jewelry.

Investing in gold jewelry is one of the oldest and well known means of transaction in history. Investing in gold jewelry should be one of the first things to consider when looking to invest. Gold is a low-risk investment, because gold jewelry is always fashionable, the price of gold is always high, and gold has lasting value even when the stock market is down. (2)

1. Decide with how much money you plan to start investing in gold jewelry before venturing into

the actual investment. Remember that gold jewelry is more than just metal. Investing in gold

jewelry requires design and craftsmanship, and these things are included in it’s cost.

2. Seek out and identify reliable jewelry dealers and other contacts in the business. Look for

well-established local dealers who have been in the business for years.

3. In general, opt for high-quality gold, and simpler designs that won’t easily be damaged when worn.

4. Purchase the jewelry that has been carefully determined as a good investment.

Be sure one given all proper paperwork for each piece purchased. Store receipts and

other paperwork in a safe place, or along with the jewelry in a safe.

5. Store the investment in a home safe or bank safe deposit box. When and if it is going to be worn,

remember that it’s an investment – wear it safely.

The small investor, today more than ever, doesn’t have to wait for ten years to turn a profit in gold investing. Through the use of tools such as the Internet, it can happen in much less time. Also, many more options are available for the small investor. A small investor can buy gold and sell it, also buy gold stocks and sell them, ETF’s, gold mutual funds and goldmine stocks. The options today are many and very accessible for the small investor.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Sources:

(1) How to Decide When to Invest in Gold | eHow.com http://www.ehow.com/how_6007887_decide-invest-gold.html#ixzz193Rm0hgM

(2) How to Invest in Gold Jewelry | eHow.com http://www.ehow.com/how_6626758_invest-gold-jewelry.html#ixzz193SDev9V

Written by Beverly Anne Sanchez,  12/24/2010

Written by Beverly Anne Sanchez
I am a professional, freelance writer who loves to write more than anything…

www.AuBullionInvesting.com
Video Rating: 0 / 5

Categories: Investing - Tags: , , , , , ,

Top Xbox Games This Christmas

on November 2, 2011 · Leave a Comment

Are you looking for the best Xbox games for Christmas? If so its definitely worth taking a look at some of the great games that are going on sale this holiday season. With a bunch of games heading out its tough to pick a favorite and picking the right game really depends on what genre you’re gamer prefers.

 Our top pick has to be the action game Call of Duty: Black Ops. It is the 7thgame in the Call of Duty franchise and every game so far has had an in depth single player campaign, supported by an excellent multi-player campaign and this game promises to be no different. It is another expansion of the series and takes the Call of Duty franchise into the Cold War with more maps, more classes and more players. You can even record your performance so you can replay all the biggest moments with your friends after the game has finished.

 If you want to stay away from any of the war games then you can check out Rock Band 3 which introduces the ability to sing harmonies and play the keyboard along with all the guitar, microphone, drums and bass that you can already play. It also comes with an extensive multiplayer option for playing with friends whether online or in the same room. IT also has the longest song list ever seen in a rock band game and you can import any songs that you had from rock band 1 or 2.

 There are a ton of other games around this year as well, including Fable III Assassins Creed: Brotherhood and Halo: Reach all of which promise to be great gamers and would make great gifts. If you need more choices then take a look at our guide to Xbox games for Christmas. We have reviews and information on over 30 of this seasons hottest games.

Written by PoloPonyDesign

Categories: Gaming - Tags: , , ,

Mortgage Refinance After Bankruptcy!

on November 2, 2011 · Leave a Comment

If you are considering remortgaging your home after Bankruptcy, there are many factors to consider in the decision making process.

Becoming bankrupt

If you are in a bad debt situation and are thinking of declaring yourself bankrupt, then the first thing you should do is get legal and financial advice to make sure that this is your best option. Don’t leap ahead to thinking about refinancing after bankruptcy if you haven’t even decided if bankruptcy is the best thing for you. If your house has had to be sold, or part-sold in order to clear your debts, then you may want to look into mortgage refinance after bankruptcy so that you can see what your options are.

My options

If you have been declared bankrupt, but your period of bankruptcy has ended because all your debts have been cleared, you can look at your options for the future. These might include:

-Employment. If you were self-employed before bankruptcy, then you may want to consider being an employee. This can remove the stress of self-employed earnings and can also put you in a better position when it comes to applying for loans or mortgage refinance after bankruptcy.

-Debt. The experience of being declared bankrupt should have convinced you to take a different attitude to debt, and make sound financial plans, with help and advice where needed, to ensure that you don’t run into such big problems again.

-Restrictions. Expect some restrictions to be placed on you, even though you have been discharged from bankruptcy. Most credit applications will ask if you have ever been declared bankrupt and you must answer honestly. Your chances of getting a loan at standard rates may be affected by your bankruptcy for some time.

-Advice.

Getting Advice

If you are thinking about mortgage refinance after bankruptcy, then all the above considerations apply to you. There will be restrictions placed on you because of your credit history and you will need professional mortgage advice to ensure that you get the best mortgage product for your needs. If you don’t already have a mortgage adviser, then talk to an experienced mortgage broker who can talk you through the mortgage refinance products that are available to you, and advise you on how to approach your application to get the best results. Whilst getting mortgage refinance after bankruptcy is a good idea, because it can give you access to lower interest rates than some other mortgage deals, you will need to take advice to make sure it’s the right route at the right time.

Written by gupta763

select: More Refinance Home Articles

Categories: Finance - Tags: , , ,

The Six Minute Book Summary of Career Renegade: How to Make a Great Living Doing What You Love by Jonathan Fields

on November 2, 2011 · Leave a Comment

Executive Summary

Jonathan Fields begins this book with the beginning of his journey for happiness.  His career was financially gratifying, but he felt there was more to life than just paying the bills.  He went from a six figure, Law Review, SEC, mega-firm Manhattan attorney to a serial lifestyle entrepreneur, speaker, writer, marketing gun, yoga innovator, artist, and author.  He is living proof that it is possible to make a career from what you love, your passion. His: Relaxation and Health. Yours: To be determined.

This book is all about taking charge of your life and turning your passion into a career.  Fields starts with the question “What makes you come alive?” This question is the basis for your future.  Once you can answer that question, you can honestly say what your passion is.  No matter the market you decide to break into, there will be experts who will know more than you will. Fields tells you that you do not have to be the smartest or the richest person to be successful; you must be innovative and eager to learn for his plan to work.

He presents several different plans to help you map out your personal renegade journey.  You must take into consideration the benefits and disadvantages for each before you decide which is the best suited for your business venture.  He gives real life examples of people who have followed his advice to success by opening their mind to the endless possibilities waiting for them.  Planning and protecting your vision is also very important to Fields.  He states that you should develop a business plan to help organize your thoughts and secure your ideas. Once your plan is in motion, it is time to master your passion,

Now that you know what your true passion is, it is time that you become as educated as you possibly can in your subject.  There are many different ways to become highly educated, and Fields takes you step by step through the resources that exist.  Some of these include blogs, podcasts, websites and forums.  Books, DVDs, magazines, newspapers, and free online courses are all available for free on the internet for the sole purpose of educating the public. Take advantage of these resources.

Do not underestimate the power of online social communities.  Facebook and Myspace have the ability to link together hundreds of thousands of users with the click of a button. It is a great way to increase good public relations and positive opinions, and it is expense free advertising method. 

Remember, you are not doing this alone. Your family and friends will create your support system, so lean on them in times of trouble.  Take your time and build your Renegade. Once you feel confident, don’t just dip your toe in the water, make sure to jump in the middle of the water with a big splash.

The Ten Things Managers Need to Know fromCareer Renegade

1.            The ability to generate a nice living for you and your family is possible if you can turn your passion into a career. Throughout the book, Fields strips the doubt from your mind, and encourages you to think outside the box.

2.            There are many ways to make your passion generate the salary you need, but you must analyze it thoroughly to find this method. Your passion must be mined, redeployed, exploited, monetized, leveraged, commoditized, and repurposed before it can become a main-stream idea.

3.            Refocus your passion and test it for adaptability in the market. Present your product in a smaller, but wealthier target market. The wealthy are not afraid of taking risks and will pay a little more to be distinguished when your venture takes off.

4.            In order to be successful, you must focus on acquiring and demonstrating your mastery of a specific field, and establishing yourself as a known expert.  This can be accomplished through utilizing the information offered in blogs, podcasts, websites, and forums, as well as free online courses, books, DVDs, magazines and newspapers in your specific area or expertise. Immerse yourself in material that will be useful.

5.            You and no one else hold the key to your own success. You must overcome the fear of failure and program your mind for success using optimistic attitudes and positive influences.

6.            It is important to have your loved ones enthusiastic about your career choices, but if the choice is risky, this may be difficult. Be honest and share all the reasons for your choice, leaving no room for doubt.  Explain your current problem, point to your own personal research and examples, present the solution, and anticipate and respond to objections.

7.            It is very important not to allow your passion to leave you or your family impoverished.  You cannot run until you learn to crawl. You must begin to build your dream career on the side, preparing it for the future. Once it is established, you can begin working solely for your dream full time.

8.            Several opportunities exist to accelerate your passion into a stable and steady career.  The collection of tools, techniques, technologies, resources, and websites stated within the book will connect and network you with your target market.

9.            Never underestimate exploitation.  Exploit gaps in information technology, education, gear or merchandise production, pricing and shipping, community, and in the way a service or product is provided. These gaps may not have been voluntarily provided, but they will aid you in accomplishing your goal.

10.            With the emergence of online social networks, spreading the word of your work is easier than ever.  For instance, Facebook offers a vast library of applications, has ten thousand groups that can be utilized in any fashion, and has the ability to find people with similar interests. This is a growing medium that reaches millions. Use it.

Full Summary of Career Renegade

Introduction

Jonathan Fields has traveled careers like the highways of America.  He has gone from a six figure, Law Review, SEC, mega-firm Manhattan attorney to a serial lifestyle entrepreneur, a speaker, wrier, marketing gun, yoga innovator, artist, and author.  He has appeared in New York Times, Wall Street Journal, Entrepreneur.com, MSNBC, Forbes.com, Fine Living, the New York Post, Vogue, Elle, Self, Fitness, and many other publications.  Why, you may ask? Jonathan Fields has become successful because of his innovative methods of learning how to do what you love.  After his wake up call, an uncanny trip to the hospital, he decided to take life into his own hands, and he offers you the tools to make your own dream a reality.

What Makes You Come Alive?

You Don’t Have to Be World Class to Make a World-Class Living

Jonathan Fields brings the reader through his own personal journey that led to his own transformation from a top attorney to a beginner yoga instructor.  He reminds the reader that our sole purpose of existence is not just to work to pay off the bills that we have accumulated.  You may not be able to be World Class but if you are “willing to step outside the box, approach your passion differently, find innovative ways to mine that passion for money”, you will be able to live world class.  Let your light shine as brightly as possible.

What’s Your Secret Passion

Before you can become successful doing what you love, you must know what your passion is.  Fields brings you through several questions designed for you to unlock your passion:

What are the activities or pursuits that you’d love to do as a living for the rest of your life if you believed they could earn you enough to live comfortably in the world?

Which activities on this list have led you into happiness? If none have, it’s probably a sign that you need to dig deeper to find activities and pursuits that offer at least passing opportunities for flow.

What types of people and culture do you feel most alive around?

This section is devoted to rekindling your childhood dreams, those activities that you wanted to be when you grew up. Even though at the time those dreams were to play video games, building Lego houses, or designing chocolate lollipops, your childhood is the cornerstone for your passion.

What Kind of Renegade Will You Be?

Introducing the Career Renegade Paths

Fields brings you through challenges meant to make you think.  He starts with the challenge to understand conventional wisdom, or the wisdom that has been taught to you for many years from those who have failed in their mission for career happiness.  He says to “know this, accept it. Then resolve to move beyond it.” You can never be successful if you bind yourself to others limitations. This first challenged, once mastered, will lead to the second: to choose your personal renegade path. Seven paths exist and are listed below:

Redeploying your passion in a hungrier market

Refocusing and mining the most lucrative micromarkets

Exploiting gaps in the information needed to excel at an activity

Exploiting gaps in education

Exploiting gaps in gear or merchandise

Exploiting gaps in community

Exploiting gaps in the way a pursuit is provided

Exploits are defined as career or entrepreneurial opportunities that exist due to a need that is not fully satisfied and can often be the source of tremendous economic award.  For some, this will serve as a blueprint for success, but for others, this will act as adaptable guidelines.

Turn Your Passion Loose in Unexpected Places

Besides Fields on personal story, he educates the reader with other success stories beginning with Liv.  Liv had graduated from Cornell in 1992 with a bachelor of fine arts and walked into a world with no opportunity for her to expand her wings.  She found herself working in the family restaurant business, decorating cupcakes to keep herself from poverty.  She began to experiment with the cupcakes, creating mini sketches with the icing. Soon, word got out about her culinary masterpieces, and people began to travel from miles around to buy her product. She turned her passion for art into a marketable business, and now makes loads of money doing what she loves. Many other examples were given in the book including Ann, the office worker who finds her career opportunity in Wine Country.  Just because the market you would like to break into is oversaturated with competition, do not despair. Think outside the box and create your own market.

Got information? Sell It!

Once you have decided what your dream is, you must ask yourself the following questions:

Where do I get my information?

Is there some information I’d love to have that is hard to find?

Do enough other people want this information to turn satisfying that demand into a source of income?

 Would there be value on funneling and filtering information?

Would there be value in compiling or aggregating information?

Do you have unique insights into the activity or the surrounding culture that would be highly valuable to those looking to excel?

Do you have information that would sole a problem or facilitate participation?

Do you have the passion, the depth of knowledge, and the resources to provide that information on a continuing basis?

Once you answer these questions, you have to decide the medium you wish to advertise your information on. You can create Books, e-books, post information on a personal website, and use an e-newsletter.

Want to Teach? Expand Your Reach

Field narrates several different stories that show that even if you think that you cannot make enough money doing what you love, others have.  For instance, Bette, a newly graduated art major, was struggling to earn a living.  It was not until she was married with children when she came up with the idea of Young Rembrandts, a company that teaches youngsters art in a special way.  It took time and research but she has created something wonderful for herself and her family.  John, a well informed marketing Guru, used his experience in the marketing world to create an affordable course on small business marketing, as well as an low cost distance telephone coaching program. Brian, another marketer, found his passion in interactive learning who shared his personal insights into his own business process, such as you do not need to be a known expert to make this work, you do not need a following to make it work, and you can do it in your spare time.  Fields goes on to explain that a three step process exists to create your course material:

Create a course objective, outline, and individual lesson plans.

Decide which content is best delivered in which format.

Produce content.

There are many resources that exist to aid you in finding your own educational plan.  Some of these include specialized resources for course creation, lesson planning, media product creation, production, and marketing. Some specific websites would be Teach-nology.com/web_tools/lesson_plan, www.TeachingSells.com,  and Teach-nology.com/tutorials/teaching/lesson_plan.  Each of these resources are specific to either the creation of a lesson plan or an outline for the generation of a lesson plan.

Exploit the Need for Stuff

Every person is in need of something, and it is your job as an entrepreneur to discover this need and use it for your advantage.  Firstly, you must find this need and then create a prototype to fill the gap in the marketplace. Next, you must manufacture the product in a way that would be cost efficient. This ensures that the savings will be passed to the customer.  Lastly, you must license your product.

Exploit the Need for Community

The need for people that are on the same wave length as you is very important; therefore your community is important.  Usually a community comes together around an activity that brings them together, and you can use this to your benefit.  Social networks such as Facebook and Myspace would also be considered virtual communities.  Building an online community, building a high-value peer network, and building upon what you know is the key to success.

Make It Easier for People to Do What You Love

If the product that you want to offer is already on the market, it is time to put on your thinking cap and move outside the box. You must ask yourself the following questions:

Are there any gaps in the way that service or product is being offered, sold, or delivered?

Are there places or people who would benefit from better or easier access to this or a similar service or product?

Once you answer those questions, you will be able to do what you love in an oversaturated market.

Planning and Protecting Your Vision

With today’s economic instability, it is very important to plan to protect your vision.  Business formats and business plans can allow you  to do so.  Business formats and business plans are there to make sure you, as a business owner, have considered all aspects, researched your market, competition, costs, and projected your financial needs.  It is important that you spend time working through your plan so you know the specifics.

Is the World Ready for You?

To make your dream a reality, there are several steps you must take. First, draw on your own personal experience and observe the personal conversations that stick out in your memory.  Next, you must find out if a market exists for your particular product.  To research this, start by online searches. Follow that by researching your market in magazines, newspapers, newsletters, blogs and websites.  Technology is important but do not forget face-to-face investigation.  Go out into the public and ask the opinions of the common customer top find your specific market. Three ways exist to get ahead of your competition and they are as follows:

Go head-to-head with your competition

This is a bold method but it pays off.

Find a way to differentiate what you’d like to offer.

People remember what stands out so be different!

If you can’t beat ‘em, join them.

Like they say, keeps your friends close, and your competition closer.

How to Master Your Passion and Build a Worldwide Following

Are You Ready for the Renegade World?

When you enter into a career with professionals who have experience in this particular field, they may have a skeptical view of you and your motives.  You must prepare yourself with whatever is needed to make you successful. If that involves formal education, a mandatory internship or a license, then you must complete the required material to allow you to compete in the workplace.

Launching Your Quest for Authority

No matter your chosen path, acquiring the public’s positive opinion of your practices pushes you to the lead position. The public hold the key to your success and to your failure, so the first thing you must do is become an expert in the eye’s of the public.  Blogs are a good way to increase public awareness.  This will build a community around your passion.  You can see who is interested and even get customer feed back by allowing guest posting and commenting to your own page.

Getting Social Online

Two major types of social-media exist, those that emphasize conversation, connecting , and networking like Facebook, Myspace, and LinkedIn, and those based around content promotion including Digg.com, Reddit.com, StumbleUpon.com, Mixx.com, and Y!Buzz.  The former three are known as conversation and networking online communities.  This is a great way to find a target market online, and it’s free!  The latter is made specifically for sharing, talking about, and promoting content.  The Internet is the largest medium for advertising, so use it to your advantage.

Building on Blogging and Social Media

In addition to online social networks like Facebook and Myspace, other tools and techniques exist for researching opportunities.  Podcasting, Internet radio, and blog talk radio are just a few offered online that will aid you in the area of your passion.   Sometimes the fastest way to prove your own abilities is to go out and do something that demonstrates your mastery, then let the world know.

Marketing that Won’t Break the Bank

Renegades are not bound to the limits of the box. They think outside the lines and do things differently.  They know how to sell themselves and their products to their customers in a way that will keep them coming back for more.  For starters, they can facilitate word of mouth, which is a free advertisement.  A positive opinion from a customer will go farther than any printed advertisement, so focus on customer satisfaction.  Another way would be to focus your efforts on Internet marketing and direct advertising. These cost efficient methods include placing links or advertisements for your services or products on websites and blogs, joining affiliate networks, and beginning a joint venture with other owners to launch a product, service, or business.

Let the Revolution Begin

Cultivate the Renegade Mind-Set

Failure is inevitable, no matter how prepared or educated you are, but do not allow failure to bring doubt into your mind. Failure is a learning experience. It shows us how to overcome our fear of failure and provides us with the ability to refocus on success. This makes you stronger as an entrepreneur, ready for whatever obstacles lie ahead.

How to Be a Renegade without Ending Up Divorced and Penniless

It is imperative that your family backs your risky business venture no matter the nature, but be prepared for strange looks.  You must view your family as an investment entity, and pitch them a business plan that leaves all questions answered.  First, identify problem, which in this case would be your dead-end job.  Secondly, highlight any research and examples that you have come across that support your vision.  Then, present your solution or plan of action in detail, and anticipate and respond to objections.

Don’t Do It Alone

Family is important to be your support, but you must also attract people who’ve already been where you’re looking to go.  Most are available to teach and guide you, as well as accelerate your path to success and inspire you by example.  They offer that what you want to do is possible.  If you are attempting to do something that has never been done before, you must find more innovative role models. These people usually possess:

A deep passion for the content, beyond the desire to make money.

A clear picture of the gap in the market of the problem in need of a solution.

A nearly unshakable commitment to solving a problem or doing something better than it’s been done before.

A willingness to take risks and make decisions based on the best information available relatively quickly, even if it’s not all of the information that might be accessible over a longer period of time.

An ability to visualize a solution that does not exist or at least to see the possibility of the solution.

Hold On to Your Life Preserver Until You Can Swim

Sometimes the change must come in short, dramatic transitions, while for others allow for the gradual build up of expertise, assets, and confidence needed to make the jump to something new. For example, Leo, the father of six, was a journalist and speechwriter who longed for something that would keep his attention.  He did not have the option to change professions because of the constant demand from his family.  He began to write a blog, recapping his experiences as a journalist.  He began to generate income from this popular blog, but it was taxing on his time.  He developed a productivity e-book called Zen. After its success, he finally could desert his double-life. 

Be Your Own Guru

“Do not go where the path may lead; go instead where there is no path and leave a trail.”  –Ralph Waldo Emerson 

Basically, it is your choice to become the expert in your field through study and experience.  It is time for you to start making your own decisions and following your own guide lines. Career renegade has equipped you with the tools and techniques to make this a reality, so go out into the world and do it.

Personal Insights

I honestly believe that Jonathan Fields is a talented author.  He uses his personal journey to convey the fact that anyone can follow their dreams to a successful passion-filled career.  He addresses the fears of the average worker like working in a job with little or no opportunity for progression, completing dull and repetitive work which leaves an individual drained.  His style inspires and compels one to cease doubting the unknown and take a chance. I was inspired from this book to start my own business, even though I am not currently in a dead-end job!

If I were the author of the book, I would have done these three things differently:

Fields uses many of his own personal experiences to explain the concepts mentioned in the book.  It almost seems that he is boasting of his success. I would have placed more emphasis on the concepts and less on my person experience.

 I would have had a list of every resource used within the book located in the back of the book. This would have allowed the reader to access it by category at any point while reading the book instead of having to flip back to the specific section and chapter.

Many of the topics seem to be repeated such as the use of blogs and social networks. I would have condensed all of these areas into one section instead of continuing to drag it on throughout the remainder of the book.

Reading this book made me think differently about the topic in these ways:

I did not know that many blogs existed just for the sole purpose of educating one on a certain subject. I always thought that they were just a page where one could write their own thoughts with no organization or really no real purpose, but now I know that I was wrong.

My passion is anything to do with interior decorating. I honestly never looked at it as a career path but just a hobby. I now know that I can make my living doing what I love, and it is possible.

I also did now know that so many opportunities exist in the business world.  I know that everything and anything is manufactured, but I guess I have always had limits on my perception.  This book has opened my eyes to the opportunities that exist within my reach.

I’ll apply what I’ve learned in this book in my career by:

Using all of the resources mentioned by Fields in his book. Most that were listed were online sources, but they seem very useful for my career.

Allowing myself to dream up my own career doing what I love.  I will no longer write off my dream of being an interior decorator, but find a way to make it into a paying career.

Showing me that there are no limits on my imagination.  I have the tools and techniques to think outside the box, and my career is the perfect place to begin.

Here is a sampling of what others have said about the book and its author:

Of what I have read, editors, authors, and businessmen only have positive things to say!

“Good Read!” –People Magazine
“For all the corporate drones who feel drained and devalued by their jobs and long to pursue their passions, Fields, a high-powered attorney turned successful entrepreneur, offers a motivational and practical guide to starting your own business.” –Publishers Weekly
“Career Renegade hits the biggest obstacles people who feel trapped in their jobs face head-on…fear of not earning enough money, deciding what to do next and knowing how to do it. Jonathan Fields’ advice is pithy, current and amusing. I’m impressed with the depth and breadth of this career book!” –Julie Jansen, author of You Want Me to Work with Who? And I Don’t Know What I Want, But I Know It’s Not This

Bibliography

Career Renegade: Work Happy. Live Well. (2010, April 21).

http://www.careerrenegade.com/book/

Fields, J. (2009). Career Renegade: How To Make a Great Living Doing What You

Love. New York: Broadway Books.

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Contact Info: To contact the author of this “Summary and Review of Career Renegade: How to Make a Great Living Doing What You Love” please email w0333169@selu.edu.

Biography

David C. Wyld (dwyld.kwu@gmail.com) is the Robert Maurin Professor of Management at Southeastern Louisiana University in Hammond, Louisiana. He is a management consultant, researcher/writer, and executive educator. His blog, Wyld About Business, can be viewed at http://wyld-business.blogspot.com/. He also serves as the Director of the Reverse Auction Research Center (http://reverseauctionresearch.blogspot.com/), a hub of research and news in the expanding world of competitive bidding. Dr. Wyld also maintains compilations of works he has helped his students to turn into editorially-reviewed publications at the following sites:

Management Concepts (http://toptenmanagement.blogspot.com/)

Book Reviews (http://wyld-about-books.blogspot.com/) and

Travel and International Foods (http://wyld-about-food.blogspot.com/).                

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Written by David Wyld
Professor of Management, Southeastern Louisiana University

Categories: Book Reviews - Tags: , , , , , , , , , ,

Next Page »