The Stock Market: The Second Biggest Financial Scam of the Twentieth Century Part 1 of 2

The Stock Market: The Second Biggest Financial Scam of the Twentieth Century Part 1 of 2
First the Disclaimer: This is a thought-provoking article
that draws upon real world examples, articles, books and
websites that are readily available to the public. This
article is not intended to offer investment advice. Any
actions that you take in the market place should be the
result of your own financial education and consultation
with a licensed professional. Financial calculations were
accomplished using the savings goal calculator found at
Bankrate.com unless otherwise indicated.

When I entered the work force, I was offered a retirement
plan, actually I was offered two. My employer was
transitioning out of defined benefit plans, i.e. pensions
and opting into defined contribution plans, i.e. 401ks.
Because I was hired during the transition I was given a
choice. I could not see working for any employer for 20
years and since the pension as I understood it was all or
none, I opted for the 401K. Little did I know, I became
part of a phenomenon initiated by the Federal Government in
1974 when it enacted the Employee Retirement Income
Security Act (ERISA).

ERISA was created in the wake of the failure of the
Studebaker Corporation in 1963. When Studebaker failed it
left a pension that was so badly funded it could not
provide benefits for all of its employees. ERISA did two
things:
1) It provided regulation of any existing and future
pension plans;
2) It provided government insurance of those pension plans
in the form of the Pension Benefit Guaranty Corporation.
ERISA also did something else, it virtually guaranteed a
shift away from corporate-sponsored pensions and toward
employee-sponsored savings plans. The 401K, intended to be
a tax-advantaged benefit to corporate executives, has
become the major savings vehicle for retirement for the
average worker in America.

Let's look at that statement. The 401K, intended to be a
portable, tax-advantaged benefit to corporate executives,
people whose income is generally north of six figures, has
become the major savings vehicle for the average American
worker, people whose median income is $46,326. ( This
figure for median income comes from the US Census and the
General Accounting Office.)

Assume the average retiree will need cash assets of one
million dollars. One million dollars invested at 5% will
earn an income of $50,000 per year without having to draw
down the principle. This goal of one million dollars
assumes the $300,000 to $500,000 dollars retirees will have
to have set aside to cover health care costs. (CNNMonday
February 19, 2008 "Most Americans Unprepared for
Retirement") Even if a worker earning the median income
only desires to live on sixty percent of his or her working
income, he would still have to save $555,912 invested at 5%
to earn an income of $27,796. Add in the amount needed for
health care and the goal is still one million dollars. The
Savings goal calculator at bankrate.com shows that even if
a worker earning the median income managed to save $10,000
per year or 21.6% of his gross income, it would take 100
years to reach the estimated million-dollar target needed
for a comfortable retirement. In other words this retiree
will die of old age while trying to save for retirement.
Using bonds or a "high-yield" savings account with an
annual percentage yield of 3.6% will put the average
American worker within reach in 77 years 11 months almost
beyond the average American's lifespan. He would still
die of old age while trying to save for retirement. Add a
50% employer match and the goal is reached in 34 years and
3 months. Well within the estimated forty year working life
of the American worker. But an employer match of 50% is
virtually unheard of. A true 50% match of 50 cents per
employee dollar invested does not exist. The
401Khelpcenter reviews the common matching plans available
to people who save through their 401Ks.

Because amassing the funds necessary for a comfortable
retirement is virtually impossible through savings alone,
employees must seek vehicles capable of higher returns in
order to reach their retirement goals.

In steps the Stock Market.

Please see part 2 for the complete article.

----------------------------------------------------
Ouida Vincent is an active real estate investor and
entrepreneur who has watched her friends and family members
struggle under the burden of home ownership and poor
returns in today's market. She is launching
http://www.freeagentnationonline.com to promote financial
education and entrepreneurism.

Make Concrete Blocks Your Business--A Solid Opportunity

Make Concrete Blocks Your Business--A Solid Opportunity
Manufacturing concrete products is an excellent way to make
a living.Concrete blocks in particular are in demand
everywhere.They are a basic commodity in the building
trade.Demand is always present since cement blocks are used
to build everything from large buildings to small backyard
compost boxes.You are manufacturing a product which will
not go out of style like a here today gone tomorrow widget.

You can start small with a very low investment by using
your garage as a workshop.One person working with hand made
molds can easily turn out 100 concrete blocks per day.You
can make the molds yourself with available plans. All that
is needed is plywood and sheet metal and basic tools.You
need to make a number of these molds then fill them with
concrete mix of suitable composition. To mix the concrete
you will need Portland cement,gravel of the right size,sand
and a supply of water.Everything you need can be purchased
locally at your building supply store or lumber yard.

Your business will grow to the point where you need more
than 100 blocks per day to supply your customers. You can
then buy a concrete block making machine to increase
production to hundreds of blocks per day.These machines are
expensive.There is another way--build your own machine.Yes
a very good machine can be built from available plans.Used
auto parts,sheet metal and a few odds and ends are the
components.Your local welding shop will do the necessary
welding for you if you can't weld.

As your concrete products business grows you will need more
room to store your cement blocks for drying.You will need
to find a rented business space if you do not have enough
room.You will be making sufficient profits at this point
that this will not be an obstacle.For maximum productivity
you will need a helper to move the blocks from the concrete
block machine to the drying racks.This could be an
employee,a partner or a family member.

You will certainly find that selling your products is not a
problem.As a local manufacturer you have a big cost
advantage over a distant supplier.Concrete products are
heavy and transportation costs are high.Local production
allows you to supply youir customers at a very competitive
price while still making an excellent profit.

Manufacturing concrete products is a near ideal opportunity
for someone looking for a low cost way to start a
business.From a small start you can move ahead at your own
pace to build your business to a full time very lucrative
enterprise.You can even continue to work at your nice safe
job while you build the business.Evening and weekend work
will get you started.When profits allow it you will go full
time and there is no limit to growth of your concrete block
business.

----------------------------------------------------
John Mowatt is semi retired from the family concrete block
manufacturing business.He is a freelance writer who writes
about the concrete block business and also about health and
fitness.For more information and resources go to
http://www.concreteblockmaker.com

Running a Small Business? Win Big with Your Email Set-up

Running a Small Business? Win Big with Your Email Set-up
A big psychological problem - and sales strategy problem -
for anyone running a small business, is to avoid looking
like a small business. Though being "lean and mean" can be
a strength, it is also important to deal with customer
perception.

No business wants its potential customers to feel it is
cannot deliver the goods, or deliver on its promises based
on the size of your company. You know you can do the job,
of course - but there is always that nagging feeling that
customers might have doubts about the strength of your
business.

One easy way to present a small business as a thriving
medium sized business, as well as more established and
professional is to create a strategic set of email
addresses for the business. For example, if your company
was called MyCompany Ltd, addresses of the type
sales@mycompany.com, support@mycompany.com,or
billing@mycompany.com could be deployed to create the
necessary front for those activities

These will indicate that there are different departments
within your business - no matter that perhaps the only
employee for these departments is the same one, and indeed,
no matter that this person is just you!

The additional natural and practical benefit, of course, is
that it also helps you manage your incoming emails more
effectively. It can be also be extremely useful in
campaigns or promoting special offers, and tracking the
response by simply creating a unique email address for the
offer (eg march-sale@mycompany.com. The number of emails
received at this specific address means you have absolute
proof of the effectiveness or otherwise of any campaign.

The idea can be taken further by "branding". Many companies
today not only have multiple email addresses to improve
public perception of the company size,, but also have
multiple domains to make them look like more than one
company as well. Multinational companies such as
confectionary specialists can sell ten different 'brands',
and so there is no reason not to emulate such
organisations. By offering them a 'multiple choice' of a
supplier of your goods or services will increase the
likelihood of business.

Naturally, as your business grows, an obvious step is to
ensure each staff member has their own personalised email
address, to improve communications and efficiency. This
means they can offer a personal touch - but until those
days come, it is good tomake certain your business has the
strength of your own personal touch, but the right email
"shop window" to ensure customers can have no problem
believing in your capabilities at the time of that
all-important "first impression".

----------------------------------------------------
Jimi St. Pierre writes for several Office Equipment
suppliers and Travel Companies in the UK, including
Principal IT systems consultants. Office automation and IT
consultancy services are described in detail at ==>>
http://www.principalcorp.co.uk

UNDERvaluing What You Offer? You May Be Losing Clients

UNDERvaluing What You Offer? You May Be Losing Clients
There's a question in my intake packet for new clients
titled, "What is holding you back or slowing your
progress?", as it relates to attracting all the clients
they need and having a full practice. Having worked with
hundreds and hundreds of private clients over the years,
I've seen it all. Other than "no knowledge of marketing,"
one thing seems to come up over and over again, and it
happened again recently with a brand new client.

The client answered this: "Sometimes, the 'Little Voice'
inside me asks, 'Who needs my program anyway? This is basic
information that I offer. People already know this stuff!'"
This is so common, but in most every case, this is
absolutely not accurate.

I have to admit, in the past, I too have taken for granted
what I already know and teach everyday and started
questioning my value in the marketplace. For example, when
I was teaching holistic nutrition years ago, I sometimes
wondered why people were paying me (or WOULD pay me) to
teach them about whole foods versus processed foods. To me,
it was a no-brainer that brown rice was more healthful than
white. But to a person who grew up on Twinkies, it was
crucial that I explain it to them in detail, and then the
shortcuts to fitting in those brand new foods into their
busy life.

I would also question the value of the cooking classes I
gave once a month to 15 or 20 people crammed in my living
room. As I was stirring carrots and onions on my Coleman
grill in the middle of my tiny apartment, I couldn't help
but think, "Are these simple recipes REALLY of value to
them?" (I'd been through serious Boot Camp at the French
Culinary Institute, so this came naturally to me.) But they
kept showing up, asking questions, and referring friends.
Go figure!

Even in the early years of my business coaching practice, I
sometimes wondered about my value. Clients ask me daily
about the secrets of marketing to get clients to call THEM
and filling their practice by networking. For me, it was so
ingrained and like second nature. I took for granted that I
knew it, because I'd been doing it for so long and knew
that it worked. I thought everyone knew it too and that it
was common sense.

On the contrary! What's common knowledge for us, is often a
secret to someone else. Because we "bathe" in our
information all day long, and for years, we start taking
for granted what we know, even if we're being innovative.
We forget that what we know is actually a secret many
others would do anything and everything to discover. It
becomes the answer to their most pressing problem. It
becomes the solution others have been praying for.

If you're in this situation, you are probably
OVER-estimating what everybody else knows. The more common
what you teach is to YOU and the longer you do what it is
you do, the more you tend to undervalue what you know.

The irony here, as I've discovered, is that the more we
teach things to our clients in SIMPLE terms, the happier
they are, the more referrals we get and the more we make.
It's not the convoluted teachings that people are looking
for. It's the practical and simple solutions.

The real shame about the whole 'undervaluing what you know'
is that as a result, you may be undercharging for what you
offer. This is actually one of the major reasons why most
people don't have enough clients. Because they don't see
value in what they offer, they don't charge enough;
therefore, there is a low perception of value from the
prospective client's point of view. They then go somewhere
else for the same exact information. Talk about a
self-fulfilling prophecy!

Some entrepreneurs even go so far as discounting their
services, or offering a sliding scale, because of their
lack of confidence and low perception of value in what they
offer. In my book, discounting is a BIG no-no. Again, it
portrays a devalued product or service and it's NOT Client
Attractive.

YOUR ASSIGNMENT:

* Notice that your clients came to YOU for the information
you take for granted. Sometimes, they may even have known
some of what you know, but didn't have the discipline,
accountability, resources, or structure to do it on their
own. Many of my clients KNOW how to attract other clients,
they're successful, but they don't have the discipline or
accountability to do it on their own. So we do it together.
This is actually my favorite type of scenario, because
these clients are very driven and since we're not starting
from scratch in the learning process, we move at warp speed.

* Be confident in what you offer (read your testimonials
over and over until your confidence comes back).

* See yourself as their problem solver. Charge accordingly
and never discount your services. Ever.

----------------------------------------------------
Fabienne Fredrickson, The Client Attraction Mentor, is
founder of the Client Attraction System™, the proven
step-by-step program to attract more clients, in record
time...guaranteed. To receive your F.R.E.E. Audio CD by
mail and receive her weekly how-to articles on attracting
more clients, visit http://www.ClientAttraction.com .

Network Marketing: Putting Your Prospects First

Network Marketing: Putting Your Prospects First
Jane and Mary are both in network marketing. (They're also
both fictitious and are not intended to depict any real
persons, living or dead.) For the sake of this story, we'll
assume they both possess equal talent, resources, and
motivation. However, their approaches to recruiting and
business-building are quite different.

Jane is determined to enroll as many new business partners
as possible into her organization each month. So far she's
been pretty successful at it. In the last year, she signed
up 300 people, averaging twenty-five new associates per
month and even winning her company's "Top Recruiter" award.

In looking at her organizational charts, however, she
notices that the great majority of her new distributors
aren't doing anything, and quite a few of them have even
resigned from the company already. She'll be lucky if she
still has fifteen active people left in a few months. And
she'll be really lucky if any of them are duplicating what
she's been doing.

Oh well, she thinks. Most people are lazy. I'll just work
with the ones who really want to improve their lives.
Meanwhile - back to recruiting! After all, if the drop-out
rate's going to be that high, I better get as many new
people as I can to compensate for it.

Mary, on the other hand, has been averaging one or two new
enrollments per month. She's been carefully screening and
interviewing her prospects, making as sure as she can that
they have the skills, resources, and attitudes they'll need
to be successful. She takes the time to get to know them,
learn what their needs are, and most importantly, find out
if they really want to do what she does. Above all, she
wants to make sure her opportunity will be a good fit for
her new business builders.

She also expects to do a lot of training and hand-holding
with each person she accepts into her organization - at
least during their first few weeks. And she knows this will
take time.

When Mary looks at her organizational chart, she feels very
satisfied that nearly all of her recruits are still active.

In fact, many of them are successfully duplicating what she
does and continue to enroll one or two qualified prospects
per month. Consequently, thanks to the power of
multiplication, her organization has grown in size to
several hundred business builders over the last year.

It's quite clear in this story that Mary is trying to put
her prospects' needs first, and Jane has other priorities.

Now please don't think I'm about to start preaching some
goody-goody philosophy of network marketing. While I
admit,I usually prefer kindness and generosity over greed
while traipsing down the road of life, there's actually a
very practical, down-to-earth reason for considering your
prospects' welfare above your own...

It's good for your business.

After all, wouldn't you prefer to work with loyal,
qualified people who stick with it? (Emphasis on the words,
"stick with it.") It doesn't matter how many starter pack
bonuses you earn in the short run, in the long run you'll
never reach cruising altitude unless you have a lot of
dedicated folks under you. And that doesn't happen unless
you earn their trust and loyalty by showing them in a very
authentic way that you care about their success. And of
course, by teaching them how to be successful.

And admit it. Doesn't it make life a lot more fun when you
build long-lasting personal relationships while you build
your business?

Giving your recruits what they need and want, thereby
reducing your drop-out rate, is also good for the network
marketing industry. Just imagine how many disgruntled
ex-MLMers there are out there, telling everyone they know
that network marketing is a rip-off and that it's
impossible to succeed at it. You know what a problem that
creates. If you would seriously like to change that image,
join the "Put Prospects First" movement.

In summary, here are four things you can do to accomplish
this:

1. Find out what your prospects' needs are and help them
decide if network marketing will help fill those needs. If
it won't, let them go.

2. Get to know your prospects well enough to determine if
they have the skills, resources, and attitude necessary for
success. If not, steer them gently in another direction.
You'll be doing them a favor, and they'll probably be
grateful for your honesty.

3. Don't twist their arms or use any other form of
manipulation to get them to sign with you. If they're not
already genuinely enthusiastic, you've got a guaranteed
drop-out on your hands.

4. After they've joined your team, take however much time
they need for training and hand-holding. Commit yourself to
their success.

By putting your prospects' needs before your own, you'll be
building a stronger organization, giving the network
marketing industry a better image, and creating some
awesome friendships.

----------------------------------------------------
Liz Monte enjoys writing articles about new 21st Century
approaches to network marketing that solve old traditional
problems. Visit her website for additional liberating
ideas.

http://www.wisenetworkmarketer.com

Inside Secrets on How To Write a Great Cover Letter

Inside Secrets on How To Write a Great Cover Letter
Imagine that an employer has over 500 resumes to weed
through, each with a cover letter. They pick up the next
letter and it says "I am writing in response to your
advertisement #50602 regarding your Project Manager
position". Pretty boring... and you just missed your
chance to grab their attention. Here are some tips on how
to make your cover letter really stand out.

First of all, let's agree that the ONLY purpose of the
cover letter is to get someone to want to read your resume.
It is NOT a recap of your resume or a short story of how
you moved from job to job. Since employers spend only a
few seconds glancing at your letter, it should be short,
easy to read and compelling.

Example: "I have over 15 years leading the highest level
IT initiatives and was 1 of 3 Executives at Microsoft
responsible for launching the Windows 95 operating system".
This is an extreme case, but you really don't have to put
much more than that in the cover letter as most people
would immediately want to know more and pick up the resume.
So let's look at how you can instantly grab attention.

Trick #1: A great trick is to start by thinking about how
people in these positions are measured and what the best
candidate in the world would deliver. For example, for
sales people, employers want to hear about setting sales
records (overachieving quota), expanding the customer base,
and earning customer loyalty. For project managers,
employers want to see a consistent track record of
delivering projects on time and with a high level of
quality. For manufacturing, the key metrics are
productivity, safety, quality and cost improvements. Now
tell them that you can deliver these things.

"I have over 15 years of experience leading manufacturing
operations to new heights in productivity, profitability
and safety".

"Setting new sales records, growing market share and
turning mediocre performers into sales superstars briefly
describes what I can do for your firm".

"I have over 10 years of experience leading highly visible,
complex projects and have earned a solid reputation for
meeting aggressive deadlines and bringing internal/external
customer satisfaction to new heights".

Get the idea? You just told them that you have a track
record of delivering the results they are looking for.

Trick #2: Most people send the same basic cover letter to
all firms. Employers are really impressed when you
demonstrate you know something about their organization.
So demonstrate your knowledge and put in a line that shows
you've done your homework.

Example: "I've followed your company for a number of years
and I imagine that with your opening a new plant in
Atlanta, you will need someone who is experienced in plant
startups".

"With your recent acquisition of XYZ, I'm sure you can
benefit from someone who has extensive HR experience
managing the integration of new personnel and cultures".

Wow! So far, you've told them you are a star performer who
can deliver exactly what they want and that you are
experienced in meeting some of the specific challenges that
their organization faces. Now prove it.

Trick #3: Here is where you put in 2 to 5 bullets that
prove you can deliver results. Bullets make it easy to
read and easy for you to swap some bullets in for others
depending on what they want. Here, you'll want to quantify
your accomplishments as much as possible.

Example: "I have been assigned to numerous turnarounds and
surpassed expectations in each instance. As Plant Manager
at 1 of the largest component manufacturers in the United
States, I reduced overtime 30%, increased productivity 18%,
grew quality 11% and slashed accidents by 33%".

"I have 12+ years of solid sales experience at such firms
as IBM, Oracle and Sun Microsystems, and achieved top
ranked performance in every position. My achievements
include delivering as much as 440% of sales targets and
ranking in the Top 5 every year for the past 8 years".

Trick #4: You've proved you are a superstar (and even if
you're not, you should think like 1), so now is the time to
bring it home. Your closing paragraph should indicate that
they should read your resume, that there is a lot more to
know, and that you will be calling them in a few days to
find out more about the position.

There are a lot of important concepts here - yes, you will
call them and no, you will not just ask them if they got
your resume, but instead will demonstrate you strengths and
knowledge by asking insightful questions that indicate you
are truly interested in this position. Employers notice
people who call and this is your opportunity to build
rapport with the decision makers who hold the key to your
dream job.

Follow these simple tips and you will definitely make
yourself stand out.

----------------------------------------------------
Don Goodman, President of About Jobs
(http://www.GotTheJob.com ) is a nationally recognized
Career Coach and Resume Writer. A graduate of the Wharton
School of Business and Stanford University's Executive
Program, Don has helped thousands of people secure their
next job. Read his blog at http://www.GotTheJob.com/blog/
or contact him at 800-909-0109 or by e-mail at
dgoodman@GotTheJob.com.

TM Lewin: A Name Fashionable Men Can Trust

TM Lewin: A Name Fashionable Men Can Trust
When it comes to basic fashion apparel and formal wear,
British men know what name to trust. TM Lewin is so far one
of the most popular traditional makers of gentlemen's shirt
in the United Kingdom. In the past century of its
existence, the fashion house has successfully innovated and
produced men's shirts and accessories. Many of the fashion
trends started by the company are still very much rampant
and visible today.

But just like British men's eye for fashion, the name's
history can be traced back to the past centuries. The
company was started when designer Thomas Mayes Lewin put up
his very first shop in 1898 in the historical Jermyn
Street, in St. James's, London. From the very beginning,
the name has been synonymous to fashion innovations. The
'coat shirt' was initially designed and marketed by the
company. From then on, shirts with buttons placed down the
front have been in vogue.

Because of its long history, TM Lewin has been one of the
few fashion brands that stayed on and existed even during
the difficult times of the two major World Wars of the
past. It was during those times that TM Lewin flourished to
become a major and long-term supplier of men's apparel for
the British Army, the Royal Air Force and even the sporting
community.

Being a business entity, TM Lewin became resilient as the
need to adjust to the changing business environment ensued.
In 1979, the company was acquired by the McKenna family.
Highly competent and high-profile directors and executives
have been employed since then to help the company get
through the times.

Since TM Lewin has also been exposed to the natural
transactions on mergers and acquisitions, such asset
purchasing schemes have been part of the company's drive to
further empower itself. In 1983, the firm bought Asquith
Brown, another fashion house owned by designer John
Francomb, who eventually was named a part of the TM Lewin
team management. The 1980s was characterized by TM Lewin's
organic and exponential growth.

The 1990s saw TM Lewin further grow into a fashion store
offering not just apparel for men. Women's lines of clothes
were also introduced by the brand. At the same time, store
expension efforts advanced along with the widening of the
store's product portfolio.

Fast forward to the present day. TM Lewin is now actively
operating with about 46 stores across the United Kingdom
and Ireland. Since 2003, the company has also aggressively
started its online operations to cater to a greater number
of customers, probably not just within its home market.

----------------------------------------------------
Paul Beckett is a retailer that specialises in bespoke
men's shirts from his base in Bath, England. Find out more
about shirt tailoring at:
http://www.kjbeckettbespokeshirts.com

How to Get Your Life Back!

How to Get Your Life Back!
If you are like a lot of people I meet, you probably have
too much on your plate. Your Blackberry is jam-packed with
all the commitments you have to keep. At the end of the
day, do you find yourself wondering where did the time go
AND frustrated because there's so much more that you want
to accomplish! Here are 5 Tips to help you "button up" your
life so it's a lot less hectic and more streamlined. Follow
these guidelines and I guarantee that life will be easier
and you'll get your life back!

5 Top Ways to Systemize and Simplify

1. Stop Recreating the Wheel: Document your processes.
Write down each step you take to accomplish certain tasks,
such as online-billings, telephone sales-scripts, standard
mail responses, or new client intake procedures. This way
you don't waste your valuable time looking for what you
need and re-doing your process every time. All you need to
do is create a document with a list of the steps clearly
defined and save it. The next time you need to do x, y or
z, you've got the template or list of steps you need to
take right at your fingertips. Doing this will help you to
be a lot more efficient with your time, allowing you to do
more of what is important to you.

2. Create a Master List of PassCodes: Ok, this tip alone
is worth its weight in gold. How many times have you been
unable to complete an online transaction, log into your
favorite site, etc, etc all because you can't remember your
username and passcode? You tie up your valuable time either
A) Going through the process of creating an all new Log in
OR B) you spend your precious time hunting for this
information. What to do? Create a Master List of all of
your usernames and passcodes and save it on your Desktop
for easy access. Problem solved.

3. Delegate, Delegate, Delegate: Are you using your "Core
Genius?" What I mean by this is, are you doing those things
in which you excel, that are your strengths and talents?
The bottom line is that you cannot make a million dollars
spending time doing $20/hour jobs! Hire a Virtual and/or
Personal Assistant so that all the pieces and parts of your
personal and business life are taken care of so that you
can use your time doing those things which are meaningful
and/or profitable for you.

4. "Batching" Your Schedule: Plan your schedule so that
you do similar types of tasks or projects that are similar
in nature. Some of our work may require our analytical or
our creative brain. You save yourself so much time if you
do things that are in keeping with the state of mind that
you are in instead of switching back and forth, which can
be a real time waster. So "bunch" your tasks together based
on what type of task they are. A huge time saver!

5. Add More "Wiggle Room" to Your Calendar: Be kind and
reasonable with yourself! Are you your own slave driver?
Most people tend to "underestimate how much time they
actually need to complete a task or project. The result?
Half-baked concepts, incomplete work, projects that take
FOREVER to finish, not to mention the inner frustration you
feel because you feel like you just aren't getting
anywhere. It's easy to get of tou tof this mode, be more
realistic when you plan and set your schedule. Give
yourself extra time and space to do what you need to do. A
great way to get better at this is to actually keep a time
log, so that you know exactly how much time you need to do
certain kinds of activities. This works great!

So there you have it, 5 top ways to claim more control of
your schedule so that you are able to do what matters in
your life and in your business. So go forth and be your
brilliant self and have some fun while you are doing it.

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