What is the capital of Canada?

Posted by Sessilia at 2:20 PM | Permalink | Comments

 
eCheck is accepted by many gambling casinos. Most money transfer options with eCheck are free. eCheck is available in over 180 countries around the world, and it is available in multiple languages as well. You can access your eCheck account at any time, and you can fund the account with you credit card, debit card, or via ACH. There is no need to "pre-fund" your eCheck account, because eCheck has instant funding capabilities. Whenever you deposit money into your favorite online casino, eCheck automatically transfers the requested amount from your credit card or bank account. Learn more about eCheck at the eCheck website. 

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Posted by Sessilia at 11:25 AM | Permalink | Comments

 There are as many reasons that people over spend as there are budgets to help people get out of the debt over spending has caused. By talking to people, conducting surveys and helping people throughout the years, I have made a list of the ten reasons I hear the most often. Take a look to see if you fall in line with any one or more of these causes to indulge.

10. Keeping up an image
Many people feel like if the fall below a certain image that the neighbors set, the neighborhood will think less of them. This is known as keeping up with the Jones'. The truth behind this is that the neighbors are thinking and feeling the same way.

9. Avoidance
I cannot tell you how many people in all financial situation have told me that when they spend to much money for lunch out with friends, shopping with the girls, etc it is to not have to admit to them that they cannot afford to pay the bill for the whole table. If your friends drop you because you cannot afford to buy them lunch, are they really friends?

8. The money is on it's way
I have heard over and over "I thought the check was in the mail." They people who tell me this are telling the truth! The check was in the mail, either late or far less than was expected. When they heard they were getting money, they spent it before they had money in hand.

7. Credit doesn't feel the same
Let's face it, plastic simply does not feel the same as good old fashioned paper cash. For this reason people use credit more often and tend to over spend much more than they would if they had used cash instead.

6. Immediate gratification
When you can go into a store, see something you think you need NOW, then get credit in 5 minutes or less, you get this sense of accomplishment. After all, you get what you want now, and think of how you are actually going to pay for it later, when the bill arrives.

5. Lifestyle maintenance
After a person has lived a certain way for a while and suddenly they find themselves in a bad place financially, it is hard to give it up. The lifestyle they have become accustomed to, they feel, must be maintained, even if it means more debt followed by bankruptcy.

4. Poor as a child
Freud would love this one! Many people who are poor as a child feel the need to spend everything they can get their hands on as soon as they can. Perhaps there is a fear of someone taking the money away if it is not spent right away. These people must realize that once it is yours, that is it, it is yours.

3. Sense of power
Spending money actually makes many people feel more powerful. Whether it is handing over a wad of cash or pulling out a gold card to charge money, the simple act of spending a large amount of money gives them a rush of false power.

2. Prove self worth
Spending $40 on a haircut, $120 on a designer dress, $30 on a new pair of shoes and maybe $75 on a facial every other week sounds outrageous to most people. However, for many people, it makes them feel like they are someone. It makes them feel like they are worth something to the world.

1. Just can't say NO!
This one is the one that I have heard the absolute most. Whether a child asking a parent for the newest fad toy or a spouse wanting the newest computer game, some people just cannot say no! Even if they cannot afford to say yes, they feel like a failure to some degree if the money is not there to meet the wants of the other person. No matter what, these people will make it happen, even if it becomes a dead end to bankruptcy court. 

Posted by Sessilia at 4:07 PM | Permalink | Comments

 I remember getting up at five on Christmas morning when I was six years old. I tiptoed halfway down the stairs and sat there in my pajamas looking at our Christmas tree and the presents underneath. I stayed there for hours until my parents finally got up sometime after seven.

What got me out of bed so early? Yes, the tall tree from Home Depot Canada Jobs draped with lights and dripping with tinsel awed me. But the presents were the key motivator. Not so much because I was dying to possess more toys or eat more fruitcake, but because I wanted to know what was in each one of those colorfully wrapped boxes under the tree. My curiosity was so powerful I couldn't sleep and I was up long before anyone should be on Christmas. 

Posted by Sessilia at 4:01 PM | Permalink | Comments

 Do you know what one of the most powerful incentives you can use in your marketing is? One that is guaranteed to capture your prospects' interest and attention?

You may be surprised to learn that it's not money or love. Is it making offers of products that are "guaranteed," "limited," "proven," "easy and simple to use," "on sale," "includes a free offer," or "new"? You're getting warmer.

Offers like the ones above are helpful in getting a prospect's attention and are some of the most important words you can use in your marketing, but they pale in comparison to the number one motivator that makes your products and services irresistible to your prospects.

What is it that makes your target market want to read your marketing materials, email you, call you and buy from you? Before I give you the answer, let me tell you a story. 

Posted by Sessilia at 3:58 PM | Permalink | Comments

 Medical transcription is the best job for a stay-at-home Mom. I have been doing this for the year of 2000, and made $13,000 working approximately 20-25 hours per week. I took a course from CareerStep.com and then worked as a subcontractor for someone locally. CareerStep offers job placement assistance (for a fee), and I have a friend who took the course and started work through the job placement assistance they gave. My start up costs included the course ($750 when purchased in 1999), which took me approximately 4 months to complete. I already had the computer and word processing programs, but had to purchase medical spellchecker @$100, and a medical expander program which allows you to type much faster for $150 and then a good medical dictionary ($80). It is a great job that is flexible and pays well and is interesting. I was a Human Resource Director in my "other life" before having a 1-1/2 pound premature baby, but learned the medical transcription fast and have always been a fast typist (i.e. 80 words per minute). I am sure there are bad schools out there, but my boss said the course I took did give me a good basis in the field. 

Posted by Sessilia at 3:53 PM | Permalink | Comments