Because it is true that
we can only give what we have, if we want to be more loving and give more to others,
we must first have more affection to give.

How do we do that? How do we expand our capacity to love?

Here’s the story of my personal expansion:

As a young adult, I wanted to give and receive ardor. I found and gave it with friends, family,
and romances. Although many people have added to my ability and willingness to expand my
capacity to love, the romance I had with the woman who would become my wife was, to that
point in my life, the greatest catalyst in my desire to expand my ability and willingness
to be more emotionally generous. I wanted to give to her to such a great degree that
I was willing to open myself up to in ways that I was too afraid
to open to before. The willingness to open myself was new me and, in all honesty, I wasn’t
especially good at it.
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A small town in Tuscany, ancient red brick and stone, narrow cobbled streets winding around the contours of the hill upon which it is built, a few shops, all closed now, as it is siesta time. The only sign of life comes from the doors of a bar, an appetising aroma of espresso coffee wafting out to give hope of food and sustenance to the tardy traveller. If you?re lucky it will be one of those bars that provide a fine array of freshly made sandwiches and pastries.

Italian bars are not primarily about drinking?alcohol that is. Coffee is their staple, the reputation of the barista stands or falls on the espresso he produces. (A fine, literary example is provided in ?The Food of Love? by Anthony Capella. Set in Rome, the barista is forever tinkering with his coffee machine in pursuit of the perfect coffee, cannibalising his van to add parts to the machine to build up ever-higher pressure.) Bars provide a social function: most of the neighbourhood will pass through the bar during the day, for a breakfast cappuccino and brioche (pastry), mid-morning espresso and regular doses of the same throughout the day.
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Originally formulated for indoor use but can be used outdoor with a base tan. The product costs around $35.

Forman Tanning Lotion: A product from John Abate, this tingling maximizer is created and scented exclusively for men,

and users with established base tans. The light tingling and/or subtle sensation or flush, that may be experienced while using the product, indicates an improvement in skin microcirculation and cell oxygenation-essentials to achieving a great tan. Forman costs around $20.

Tan Accelerating Lotion: This is a product from Body Drench combines tan development moisturizing, and is formulated with ingredients such as Unipertan V-24 to provide essential nutrients for optimum tanning while it binds moisture to promote elasticity and fight aging. It costs around $25.

Thalgo Self-Tanning Scintillating Lotion: This contains iridescent pigments to illuminate the skin, and tanning agent

(DHA) Erythrulose which unifies and prolongs tan.
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There is also a general feeling of trust and loyalty between family members, which helps them get through rough spots. However, a family business can also bring about much frustration between family members and non-family employees.

For any small business owner it can be tough to keep “work at work” and “family matters” at home. This is even tougher if you work with family members. If you are not careful, your cleaning business can easily slide over from work hours into your private family time. As the lines between family and business become blurred you will find your attention diluted and this may prevent your business from reaching its full potential.

What are some common problems that family run businesses are likely to run up against?

- Giving family members jobs they are not qualified for

- Giving family members too much responsibility and not enough authority

- Allowing parents to evaluate children’s work performance

- Paying family members more than non-family members for the same job

- Treating family members as “family” on the job and not as colleagues

- Constantly discussing business at family gatherings Ignoring mistakes because they are caused by a family member

- Giving family members special perks because of who they are instead of how well they perform their job duties

How can you keep your cleaning business running efficiently when you have family members as employees?

First and most importantly, separate your family life and business life as much as possible.
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It has been used for centuries with no know side effects. It can be purchased in most health food stores in the United States.

Sports Drinks

Although marketers would have us believe that sports drinks are what the body needs when exercising heavily, the truth is that sports drinks are filled with sugar (sucrose, glucose, and fructose) and salt (potassium and sodium) as well as artificial flavorings and colorings. Add a little salt to Cool-Aid and you have about the same thing. You would be much better off drinking spring water or diluted freshly squeezed juices while exercising.

Most Energy and Sports Bars

Most sports and bars are also filled with things that are not the best for our bodies, and are little better than candy bars. Many of them contain sugar or artificial sweeteners, chemicals, preservatives, and synthetic nutrients. Check the ingredients before you buy an energy bar. Try to find one that is made with whole foods, such as oats and flax seeds, fruits, and natural sweeteners.

Soy Products

This is one of the most surprising ones of all, after all soy has been used for countless generations in Asia.
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This is what a good restoration process should look like:

- An examination of all hardware components

– Diagnostic and performance test

– Cleanup

– Cut & scratch repair (not always necessary)

What this process should equate to is a machine that runs just as good as when it was brand new, (and sometimes look just as good).

The most important thing you can do if you are looking at a particular ?recertified? laptop is find out about the company selling it. Are they reputable? How long have they been in business? What process do their refurbished laptops go through?

These are the most important questions you must ask. I?ll be honest here; there are many companies that claim that their notebooks are recertified, but this is really a lie.
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You’ll manage them based on your own profile, which is great if they?re the same profile as you.

When you put all this information above together into one powerful advertisement you’re on a winner. Great people are always out there in the market place, but they aren’t usually unemployed. They’re already working for someone feeling unappreciated or wanting a change or challenge.

Your ad has to make your business “attractive” to work for. If you don’t make your business attractive you don’t even get the phone calls from these great people.

Learning copywriting is where good recruitment begins. Understanding people’s 6 emotional needs Tony Robbins explains and incorporating them into the ad is powerful as well. You’ll have to read his book to find out more about these.

I could explain how to sort through 50 applicants who might call in a powerful interview process that only takes 2 hours, but that’s something else that takes too much space here right now. Be creative though and test people’s attitude with your interview as seeing if they want to respond in a positive way to a new concept is a great tool to test their attitude.

Remember, its attitude first, personality (DISC profile) second and experience third.
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but only if you had a couple of tanning beds… Its tough isn’t it? Especially if your credit isn’t going as good as it should ? bad credit. That could surely ruin any chance you might have into starting your own business, right?… Well actually no, because there are many ways to still get those beds with your credit score the way it is.

Think the words… “Refinance your credit”

It’s not as tough as you might think. Hundreds of thousands of people do it all the time. But how, you ask? By following the right guides and steps to take of course. You can also consider getting al can and claim you will start a business… but I wouldn’t recommend that as much as refinancing your credit first because it could seriously backfire on you.

You can start any time to fix your bad credit; the sooner the better.
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However, soon enough you will be faced with the financial demands of home ownership.

As your home is a major investment, a lot is at stake in case of defaulting on mortgage payments or failure in maintenance. Plan for unforeseen situations in addition to the routine costs of home ownership and you are likely to avoid foreclosure or bankruptcy in case of emergencies.

Thinking Ahead

Create a budget planning for maintenance and repairs. An emergency fund for repairs and replacements is also advised. Find out your financing options for major replacements like roof or heating system. With costs running into thousands a home equity loan, second mortgage or installment loan may be necessary. Examine your loan options thoroughly with a plan for a major expense.

A loan workout plan with your lender defines remedies for delinquency and avoids loss of home. Either written or oral, specific deadlines are crucial to avoid foreclosure. So be very realistic in estimating your ability to achieve the plan schedule.

The workout plan is subject to the gravity of default, duration of financial difficulties or impairment of your payment ability for the near future, chances of acquiring funds to correct the default and current value of the property.

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Temporary indulgence is likely if the default is due to a temporary condition with the likelihood of being rectified in a short span.
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You can also name an executor to administer the will. This executor can be given powers and compensation for taking care of your estate.

But here?s the tricky part ? a will can?t override anything with a named beneficiary. For example, your life insurance has a beneficiary that was established at the time you wrote the policy. Also, a will can?t nullify the terms of a trust you?ve established.

So what should you do? Inventory your assets that will pass through the will. Like checking accounts, CD?s, stocks, bonds, real estate, etc. These are called probate assets. Nonprobate assets would include things like your life insurance. These items have named beneficiaries.

Make a list of your beneficiaries and decide what you want them to have. If you have children from your current marriage, then the decision would probably be very easy ? give the items to your spouse. If you have kids from a previous marriage, plan carefully and list them as well as their relationship so the executor will have no questions and will hopefully limit anyone contesting the will.

I hope this gave you some idea as to why a will is an important planning tool not for you, but for your family.
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