Character Education – A Victim of Recession?

A character educator or a counselor often plays a very important and vital role in the academic, social and personal success of young school going children. But, as global recession has now reached its peak, the abolition of their position all together has become the standard. Most of the school counselors’ role has been phased out with budgets slashed and the dollars available has become tight. It is the students who are paying the price for the shortfalls in budget as a counselor’s support has been denied to them.

Many of us are concerned about the future of our schools without having teachers or counselors for educating character and behavior. But the biggest worry is something else. As kids are denied support of character education teachers or counselors at school, most of them are not even getting basic morals and virtues being taught even at home. This is because most kids in America receive training on Character education from school counselors in classrooms.

If this scenario continues and without the continued service of counselors on campus, schools must find alternate ways to present and conduct character education programs and workshops for their students. Additionally, any such character education program has been put in place; it should limit the amount of time required of teachers who are already overburdened. In such cases, schools cannot solely depend upon such teachers to conduct quality character education programs and workshops.

Schools must come out with some great new methods to implement character education programs taking into account of the many limitations they face. Schools now, generally have a stringent budgets to purchase materials and something more of a concern is having restricted time schedules.

Schools should come out with newer methods like radio programs that may do a splendid job of catching student’s attention and in turn helps them to develop listening skills in students. Student gets engaged in listening to such specially crafted radio programs and will help them to use their interpretive reasoning, imagination, creativity and listening skills to a maximum. Teachers who are helping out their students by conducting such programs should actively participate instead of just being a passive bystander.

Therefore, all schools should come out with character education programs similar to these which may not cost them a fortune. They can still provide their students with superior quality and easy to implement character education programs despite having cuts in budgets and personnel.

An Evolved Economy Business Is Simple to Fund!

The number one biggest barrier to starting a business that most people cite is access to funding. There are only so many ways to come up with funds; either you have the cash, you borrow the cash, or you get cash you aren’t required to pay back in the form of a grant or an investment.

You often hear of people maxing out their credit cards, turning to friends and family, or you watch Shark Tank and enjoy the discomfort of people pitching to investors. There are lots of books about “bootstrapping” which just means paying as you go and keeping expenses as minimal as possible. You can borrow money in the form of a commercial loan through the SBA but you’ll need to fill out lots of forms, have excellent personal credit, and you’ll need to provide collateral. You can apply for a grant but you have to know how to write a grant, have the time to wait to see if your request is denied or approved, and often the amounts you receive are quite small. If you go for larger government funded grants like an SBIR or STTR grant and you receive it, be prepared to document how you spend every dime – and in some cases you will have to spend the money first and then request to be reimbursed. If investment money is what you are after just know that you have to give up a percent of ownership to get the money and now you set an expectation that you will sell your company completely at some point in the future in order for the investors to receive 7-10 times more than they invested in you.

No wonder funding is seen as a huge barrier. What if there is a better way to start your own business that doesn’t cost so much? What if you can start a second business easily and use that to provide a cashflow cushion to your primary business, the one you trained for or have sunk so much into already you don’t want to walk away? Then you’d be economically ambidextrous! If that exists, don’t you want to know how to get started right away? It does exist!

There IS a better way! There is a capital creating model of business that is inexpensive to start, inexpensive to maintain, and you can use the cash from it to support your traditional business, your children’s college fund, your house fund, your vacation fund, contributions to charity – whatever you choose.

But what kind of numbers are we talking about? If funding is a barrier for most people who want to start businesses, why? How much does it all cost?

For those of you with small to medium-sized businesses already up and running, you can assure the rest of us that you are very accustomed to dealing with numbers with lots of zeros after them. Heck, your utility bill each month might be over $1000 or your fleet bill could exceed $10,000 depending on how many vehicles you have. If you are a solopreneur, someone who works by yourself, then these numbers may be intimidating because you are neither spending – nor earning – much over subsistence. But that’s not why you went into business, is it?

So let’s look at real examples just to get oriented.

  • Average initiation fee for a franchise – $30,000
  • Average annual royalty fees for a franchise – $38,000
  • Real estate, inventory, employees, advertising, etc. for a franchise – $Big Number!
  • Start-up-up costs for an average small business – $50,000 (per Inc magazine, Entrepreneur Magazine not inclusive of monthly overhead )
  • Web costs – $2000-$100,000

And none of these figures take time into account. It takes time for a developer to create your site. It takes time to scout a location and get a lease and everything else you need to do for your new franchise or brick & mortar business. It takes time to set up your gym or your nail salon or your restaurant or your home d├ęcor store. It takes time to find your employees and get your permits if you are a development or construction company, an HVAC company, an exterminator, or you are in the trades – plumbing, electrician, etc.

If you work solo, as a consultant or a professional, you still had to pay for and complete all the training and apprenticeship, right? Let’s not forget the time and tuition it cost you to first become an accountant, a lawyer, a physical therapist, a chef, a mechanic, a pilot – whatever it is that you know how to do that you have turned into a business. That sort of training runs 2 years to 10+ years depending on your occupation, cost $20,000 at a minimum, and could easily exceed ten times that much!

While we’re discussing numbers let’s look at a few more. How comfortable are you discussing expensive investments, picturing yourself laying out large sums of cash? Where does your comfort zone lie? Because if you dream of owning your own business you will need to spend money to get started. If you dream of owning your own business, part of your dreams will be picturing a better, more fun-filled life, driving a nicer car, doing more for your children’s future, and maybe even playing more golf. What might that cost?

  • Initiation Fee at an Exclusive Golf Course: $500,000 plus monthly fees!
  • A Bachelor’s or Master’s Degree at a Reputable Private University: $248,000
  • 4 Years of Prep School: $176,000
  • Kindergarten in NYC: $28,000 per child per year (we’re talking about 5-yr olds here!)
  • Mercedes Benz 2013 GT Coupe: $202,000
  • Lexus 2013 LS: $114,000
  • Porsche 2013 Panamera: $77,000
  • Volvo 2013 C70: $38,000
  • $15,000: the average investment made per deal by an angel investor with the hope of recovering his money within 5-7 years
  • $10,000: minimum required for a 12-month CD at Bank of America ( 0.14%: rate of return on your $10,000 CD at Bank of America!)

Huh, those are some pretty big numbers, right? The cool thing is once you are kicking ass and making a lot of money in your Evolved Economy business, those numbers won’t seem so big. What if you are earning $2000 per week? Or $20,000 per week? What if your Evolved Economy business is paying you even more? What would you be willing to spend today to own your own business today to have a shot at making that kind of money within 10 years, maybe even within 5 years? How long did you to go to school? Five years goes by pretty fast, doesn’t it?

There are 10 reasons I endorse the Evolved Economy as the premier business model and one key reason is that it’s simple to fund. If you are serious about owning your own business and you don’t want to have to suffer through all of the tired, risky, time-consuming, and expensive traditional ways of getting started, decide to be a Business Builder.

In fact, there is only one step left that’s required to make your dream of business ownership a reality. You simply have to act! Take the action now to make your dreams real, to live the life you’ve always longed for, to stay home with your kids, to contribute and make a difference! Act now, email me or call me, message me, find me, but take action. Tell me you are so ready to be a business builder, too, and you want to own your own Evolved Economy business. Do that, and you’ll be in business within the hour. Simple!

We would be honored to have you choose to co-create your own business using a smart business model.

If you found this article independently and wish to know more, all my contact information is in the “resource” section.

Forex Education Tips – 5 Steps to Successful Forex Trading

Close to 95% of all Forex traders will lose money. We’re not just talking about novices, either. Whether you trade Forex for a living, as a hobby or just for fun, odds are against your success. That’s a simply astonishing fact. However, the remaining 5% of Forex traders somehow manage to break even and there are those lucky few that actually make money in the currency market – consistently!Like the TV show says … “How’d they do that, anyway?”That’s the million dollar questions, isn’t it? Countless books, seminars and expos have been hosted to answer this very question. That sad fact is that thousands of books have been written and countless seminars and interviews have been conducted in an attempt to answer the magic questions. The reality of the situation is that there is no magic formula; no one single Holy Grail of Forex trading.So what do the successful traders do that the rest of us have simple not comprehended. They have mastered a process of winning where they combine and customize several factor to produce consistent results. They have mastered the Process of Trading.The Process of Trading is:Strategy > Money Management > Self-MasteryHere are some simple Forex Education tips to help you master the process of forex trading:Success Tip #1 – You’ve Got To Have a PlanYou must have a written business plan that will detail all aspects of your trading. When are you going to trade, how much to risk, strategies for entries and exits are just o name a few. To become a consistent (profitable) Forex trader you have to plan your trade sand trade your plan.

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Simplicity rules! Don’t make this plan too complicated. One sheet of paper for you mission statement and another for your trading plan should suffice. Anything more is probably too complicated.Success Tip #2 – Focus on Your Personal PsychologyKnowing yourself will allow you to master the discipline necessary to execute high quality trades with solid money management techniques. Lack of discipline is fatal in Forex trading. Go on a personal journey to identify you attitudes towards risk and money. Get intimate with your strengths and weaknesses as a trader and build in to your trading plan strategies to minimize those weaknesses and maximize your strengths.Different personalities lend to different trading styles. Get familiar with all the different styles and over time you will begin to gravitate towards one particular style. Don’t fight the urge like I did. I insisted I was a day trader, but had only limited results. I found my winning percentages were much higher when I entered swing trades. Guess what’s my bread and butter strategy now!Success Tip #3 – Be Realistic About Your ExpectationsThis is a hard one, I know! I am on the internet every day and the amount of advertising is staggering. Brokers are offering free education (fox in the hen house if you ask me), forums of all different trading styles and points of view. Gurus pushing their system as “the one” that will make you the big bucks. How do you get through all that noise?Let me tell you loud and clear right now – everyone is right and everyone is wrong. You have to make a personal commitment to become a successful trader, find a trading style that works for you and expect a slow and steady approach to wealth building through Forex.What works for me may not work for you. Expect to go through an exploratory period where you are learning and at the same time exploring yourself as a trader. Keep an open mind and don’t pay attention to all the noise out there.Success Tip #4 – Exercise PatienceRome was not built in a day and neither will your trading account. In fact, I tell all of my students that while they are studying to become successful Forex traders they should not look solely at their account balance as an indication of success or failure.By tracking and increasing your percentage of high quality trades you execute is a far better barometer of your progress than your account balance. Cause and effect rule here. Over time when you increase your probabilities through the execution of high quality trades your account balance will respond accordingly.Keep the focus on the process and with time your results will blow your mind.Success Tip #5 – Money Management Is Top PriorityI would rather have a shaky strategy and excellent money management techniques than the other way around. This topic warrants its own blog post to do it justice. Limited your exposure (read “risk”) allows for you to stay in the game and allow the laws of probability to work.

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Let’s take a casino for example. They need gamblers to frequent their slot machines to make money. Why? They have a game that has a greater than 50% chance of making money for the house. The more people that play the slots, the greater the casino’s profits.The casino controls risk by payout tables (always favoring the house!) and increases their probabilities by keeping gamblers at the slot machines (read “free drinks”). As a trader you must limit your risk by committing only 1% – 3% of available capital to a single trade. When you execute enough trades with a high probability strategy you too can clean up like the casinos – but only by staying in the game long term.In conclusion, Forex trading is not easy. It’s hard work and will test the limits of your patience and perseverance. If anyone tells you otherwise .., buyers beware! It can be a very rewarding and profitable venture if done correctly. In the end it is a profession that requires a learning curve and practical experience, no different than an airline pilot or engineer. Understanding how to approach and learn this game will allow you to reap all the benefits advertised. It is your Forex Education that you will master the Process of Forex Trading.

The Energy Healing Power of Natural Medicine

Natural medicine is a system that uses a variety of therapeutic or preventive health care practices such as homeopathy, naturopathy, chiropractic, and herbal medicine. Alternative medicine is also known as traditional, naturopathic, natural or holistic medicine. Proponents of alternative medicine are not refuting the validity of discoveries in and the practical uses of conventional medicine, but are merely trying to put some things into perspective. Due to the widespread interest in natural medicine along with the disappointment and disenchantment with Western medicine, many people, especially in the United States and Europe, where conventional medicine has taken a dominant foothold, are seeking the advice and treatment from naturopathic physicians. These practitioners include herbalists, acupuncturists, naturopaths, chiropractors, and others, who advocate preventative health measures as well as recommend wholesome foods and nutritional supplements for their patients and clients. Considering the growing popularity and effectiveness of alternative health treatments and products, certified and licensed professional practitioners of such medical practices should be given their rightful and respectful place in medical society. Natural medicine has been proven not only to be safe, but more effective than Western medicine in treating many chronic illnesses such as diabetes, hypertension, asthma and many other diseases as well

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The history of Natural Medicine and its roots can be traced back thousands of years to ancient cultures such as India and China. Ayurvedic (E. Indian) and Chinese medicine, along with their diagnostic and herbal systems, are still used in these countries extensively, as well as in the United States, especially in Europe, where alternative medicine is well respected. Chinese herbal medicine has a documented history of over 2500 years in China, and is now widely used by practitioners all over the world. It has been legally practiced in the United States. since the mid seventies by licensed acupuncturists. Homeopathy is also a well-known form of alternative medicine discovered in the 18th century by German physician Samuel Hahnemann, but was practically stamped out in the U.S. in the late nineteenth century by the American Medical Association. In 1938, though, the U.S. Food, Drug, and Cosmetic Act finally recognized homeopathic pharmacopoeia as the legal equivalent of allopathic medicine.Another more contemporary and popular form of herbal medicine, called Western herbalism, can be traced back about two hundred years in America. Samuel Thomson, born in 1769, is considered the father of Western herbalism. He discovered over sixty different medically effective native plants by clinical testing, and on the basis of these findings, devised a theory of disease and botanical drug action. Randy Kidu, D.V.M., Ph.D., writes in his articled entitled A Brief History of Alternative Medicine: “The history of herbal medicine is interesting because herbs have been a part of our diet and pharmacy since man began roaming the earth. Coprophytic evidence (seeds and other plant part(found in preserved fecal pellets) points to herbal use by cavemen. Early herbalists practiced their trade since before recorded history in all parts of the world including China, Egypt, Greece, Rome, Africa, England, the Americas, and Europe. Many herbs are also mentioned in the Bible. Today, based on sheer numbers of folks who use one form of herbal medicine or another, it remains the most-used medicine worldwide.”Twenty-five hundred years after the advent of allopathic medicine, modern medicine is still grappling with the idea that herbal medicine could be an effective treatment, and not just quackery, although thousands of years of recorded history has proved its efficacy. A new model of understanding in medicine needs to be incorporated into the existing allopathic model. Because of the growing popularity and effectiveness of natural medicine, practitioners may eventually be given their deserved place in medical society. The incorporation of natural medical practices into the existing model of conventional Western medicine, including the training of new medical doctors, is now called Complimentary Medicine. In order to solve our health problems, this modern paradigm for treatment in medicine must be promoted. This can only truly emerge when bias, self-interest, greed and discrimination is discarded and diverse medical knowledge is promoted and shared, not only between university trained scientists and medical doctors, but among Alternative Medicine practitioners, philosophers, metaphysicians, and other intelligentsia of society as well.