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    Health Insurance & Your Small Business
    As small business owners, the question of healthcare can often seem like one that doesn’t matter. When you start your company off and it’s just you and your spouse, and every dollar counts twice over, the idea seems nice but impossible (granted, if you plan to stay that small, it becomes doable over time). Slowly, you start adding employees, trying to grow without exceeding your means. In time, you find yourself larger than you thought you would be, and the question comes up by more applicants in job interviews. So what do you do?As a long time employee’s wife, my first thought has always been, give us the benefits! We want medical insurance! However, once we started our own company, I came to realize the financial challenges more and more small business owners face.
    one has challenges, problems, irritations and setbacks. And for everyone, life goes on. As the expression goes, “it’s always something,” and it always will be.

    Paul’s clear understanding of the human condition gives him the detachment he needs to respond with action rather than despair when he meets an unexpected challenge.

    When life throws you a curve, take a minute or two to whine (might as well explore your full range of emotion), then pick yourself up, brush yourself off, and see what this latest twist has to offer in the way of adventure, grace and insight.

    It is always something, and isn't that grand?

    Practice Gratitude

    As a fifty-something, Paul is grateful for his hard-earned reputation as a fair and ethical businessman. This reputation got him his current job. Headhunters told him that it could take 18 – 24 months for him to find another executive level position, and he wasn’t willing to wait. He was grateful for the headhunter’s honesty.

    He is grateful that people -- mentors, prospects, customers -- are willing to spend time with him.

    He is grateful that his wife i

    Three Easy Steps to Prioritize Your Sales Leads
    You can't buy more time no matter how wealthy you become. However, you can become wealthy by managing your time more wisely. Properly prioritizing and managing your sales leads is one of the easiest ways to gain control of your valuable time and start generating more wealth for you and your firm.There are three basic steps to prioritizing and managing your sales leads. The first step is to create an automatic system to stay in contact with leads that are not ready to purchase now (let's assume they actually want your product and that they can pay for your product). Start by creating a monthly fishing file for each lead (file folder or electronic to-do list). Next, assign a specific day each month to dip your fishing pole into the fishing file. When you go fishin
    Paul, a fifty-something invest/ment banker (with two secretaries, a corner office and a big paycheque), got the surprise of his life when the foreign bank/financial organization eliminated his strategic business unit and he was out of a job. Paul heard a presentation I gave about how your inner voice influences your relationships, and he phoned me to begin some coaching sessions. His story is a wonderful example of how to survive, and even thrive, during hard times.

    Paul is now working as an invest/ment advisor (a very competitive field), building a portfolio of clients. This is difficult work and, for some, could be demoralizing. Yet, there is no self-pity about Paul. He is an elegant and friendly person, and here are the lessons he is learning. May they inspire us all.

    ‘Not Knowing’ Is An Advanced Life Skill

    While Paul has lots of expertise in invest/ment banking, he had some sales experience, and very little in selling his expertise directly one on one. In his new role, he set out immediately to become an instant expert on giving invest/ment advice, and buying and selling stocks and bonds, reading voraciously and attending as many product training lectures and workshops as he could find. However, he feels frustrated because he isn’t at the “expert” level yet and is aware of how much he doesn’t know. His strategy for coping might seem full of paradox, since he is mastering the art of “not knowing” by letting go of his need to be an instant expert. This is strange territory for Paul and his learner’s mindset helps guide him in this uncharted place. Curiosity, patience, humility and a sense of adventure are the companions that steady him as he accepts his temporary non-expert status.

    Find a Mentor/Coach

    Paul hunted out the top salesperson in his firm to ask his advice on how to build a practice. He helped Paul see that his former connections to wealthy people wouldn’t work here. Downtown doctors, lawyers, and corporate professionals are usually over marketed and often have less to invest than assumed. He suggested that Paul look for thriving small- to medium-sized entrepreneurial businesses, and to call on them in person -- not by phone, or e-mail, or by making an appointment. This approach of just showing up is completely counterintuitive to the former high-powered invest/ment banker ~ he was used to appointments, people calling on him, and not feeling like he was begging, waiting around, or wasting his time. And it’s working. Slowly, yet steadily, business owners are inviting him in for conversations, coffee, and advice. He is building a niche of ideal clients.

    As we work together, Paul is getting a clearer sense of his internal chatter and how his various “inside team members” (the many voices, both positive and negative, that form the chatter) help or hinder him in growing his business. This understanding gives him the ability to call on the helpful members of this inside team when he needs them, particularly when he is prospecting.

    Listen To Your Thursday Voice

    Every Thursday, one of Paul’s inside players, what he calls his “Thursday Voice,” kicks him out of the safety of his downtown office and into the independent car dealers and autobody businesses (his current target market) that line the streets in the west end. At first, he thought he’d rather die than do this, but the “Thursday Voice” was insistent. He knows that that guys who look like him (banker types in expensive suits) are an unusual sight among the autobody shops, so he dresses very well. He is polite; he is humble; he is friendly; he has an attitude of curiosity and service.

    Some Thursdays are a bust. Some Thursdays produce hilarious stories. One Thursday, a shop owner who wouldn’t see him until Paul showed up for the seventh time, ended up opening his portfolio and asking Paul his advice. Another Thursday a very well-connected owner met with him, liked him, and referred him to a few other wealthy autobody owners.

    The lesson here is to listen to whatever persistent inner voice propels you to take some chances, and to be grateful that you have that voice.

    Life Is Not Fair … And Fairness Is Not The Issue

    When life deals you a blow, you can easily be hobbled by self-pity, convinced that you have a harder time than other people.

    While this may temporarily be true, no matter what your particular circumstances, resources, and aspirations, the inexorable turning of the wheel of life means that everyone has challenges, problems, irritations and setbacks. And for everyone, life goes on. As the expression goes, “it’s always something,” and it always will be.

    Paul’s clear understanding of the human condition gives him the detachment he needs to respond with action rather than despair when he meets an unexpected challenge.

    When life throws you a curve, take a minute or two to whine (might as well explore your full range of emotion), then pick yourself up, brush yourself off, and see what this latest twist has to offer in the way of adventure, grace and insight.

    It is always something, and isn't that grand?

    Practice Gratitude

    As a fifty-something, Paul is grateful for his hard-earned reputation as a fair and ethical businessman. This reputation got him his current job. Headhunters told him that it could take 18 – 24 months for him to find another executive level position, and he wasn’t willing to wait. He was grateful for the headhunter’s honesty.

    He is grateful that people -- mentors, prospects, customers -- are willing to spend time with him.

    He is grateful that his wife i

    It's Good to Feel Good
    Employer job posting, ob posting online or job posting sites are just one of the internet’s best services to provide. Applying for a job made very convenient for job seekers. Yes, I know it’s very tiring. Seeking for a job opportunity to be able to survive the demands of living is very stressful, both to the mind and body. Sometimes it wouldn’t even come so when you see it, grab it for opportunities rather job opportunity to be exact knock only once.People see career opportunity somewhat as luck. A one time, big time luck specially for a very competitive world today. You may be at work for the reason that it’s the only available one but doesn’t really want the position. Career opportunity is what most people seek for maybe to establish something within self or basical
    ng voraciously and attending as many product training lectures and workshops as he could find. However, he feels frustrated because he isn’t at the “expert” level yet and is aware of how much he doesn’t know. His strategy for coping might seem full of paradox, since he is mastering the art of “not knowing” by letting go of his need to be an instant expert. This is strange territory for Paul and his learner’s mindset helps guide him in this uncharted place. Curiosity, patience, humility and a sense of adventure are the companions that steady him as he accepts his temporary non-expert status.

    Find a Mentor/Coach

    Paul hunted out the top salesperson in his firm to ask his advice on how to build a practice. He helped Paul see that his former connections to wealthy people wouldn’t work here. Downtown doctors, lawyers, and corporate professionals are usually over marketed and often have less to invest than assumed. He suggested that Paul look for thriving small- to medium-sized entrepreneurial businesses, and to call on them in person -- not by phone, or e-mail, or by making an appointment. This approach of just showing up is completely counterintuitive to the former high-powered invest/ment banker ~ he was used to appointments, people calling on him, and not feeling like he was begging, waiting around, or wasting his time. And it’s working. Slowly, yet steadily, business owners are inviting him in for conversations, coffee, and advice. He is building a niche of ideal clients.

    As we work together, Paul is getting a clearer sense of his internal chatter and how his various “inside team members” (the many voices, both positive and negative, that form the chatter) help or hinder him in growing his business. This understanding gives him the ability to call on the helpful members of this inside team when he needs them, particularly when he is prospecting.

    Listen To Your Thursday Voice

    Every Thursday, one of Paul’s inside players, what he calls his “Thursday Voice,” kicks him out of the safety of his downtown office and into the independent car dealers and autobody businesses (his current target market) that line the streets in the west end. At first, he thought he’d rather die than do this, but the “Thursday Voice” was insistent. He knows that that guys who look like him (banker types in expensive suits) are an unusual sight among the autobody shops, so he dresses very well. He is polite; he is humble; he is friendly; he has an attitude of curiosity and service.

    Some Thursdays are a bust. Some Thursdays produce hilarious stories. One Thursday, a shop owner who wouldn’t see him until Paul showed up for the seventh time, ended up opening his portfolio and asking Paul his advice. Another Thursday a very well-connected owner met with him, liked him, and referred him to a few other wealthy autobody owners.

    The lesson here is to listen to whatever persistent inner voice propels you to take some chances, and to be grateful that you have that voice.

    Life Is Not Fair … And Fairness Is Not The Issue

    When life deals you a blow, you can easily be hobbled by self-pity, convinced that you have a harder time than other people.

    While this may temporarily be true, no matter what your particular circumstances, resources, and aspirations, the inexorable turning of the wheel of life means that everyone has challenges, problems, irritations and setbacks. And for everyone, life goes on. As the expression goes, “it’s always something,” and it always will be.

    Paul’s clear understanding of the human condition gives him the detachment he needs to respond with action rather than despair when he meets an unexpected challenge.

    When life throws you a curve, take a minute or two to whine (might as well explore your full range of emotion), then pick yourself up, brush yourself off, and see what this latest twist has to offer in the way of adventure, grace and insight.

    It is always something, and isn't that grand?

    Practice Gratitude

    As a fifty-something, Paul is grateful for his hard-earned reputation as a fair and ethical businessman. This reputation got him his current job. Headhunters told him that it could take 18 – 24 months for him to find another executive level position, and he wasn’t willing to wait. He was grateful for the headhunter’s honesty.

    He is grateful that people -- mentors, prospects, customers -- are willing to spend time with him.

    He is grateful that his wife i

    Consulting Salary - Are Your Rates Salary Equivalent?
    Consulting salaries are very closely related to the hourly billing rates that you charge and the salaried equivalents that you can afford to pay both yourself and others down the road. The consulting salary you expect must be affordable given your hourly billing rates. This consulting salary must also be enough to attract sales and technical staff as your business scales up. If you don't set your rates at an appropriate level then you won't be able to offer competitive salaries to future employees and your business growth will falter.The Consulting Salary Equivalent of $75 an hour$75 per hour sounds like an attractive rate. Most people will equate it with a yearly consulting salary close to $150,000. The assumptions are that there is little overhead and peo
    just showing up is completely counterintuitive to the former high-powered invest/ment banker ~ he was used to appointments, people calling on him, and not feeling like he was begging, waiting around, or wasting his time. And it’s working. Slowly, yet steadily, business owners are inviting him in for conversations, coffee, and advice. He is building a niche of ideal clients.

    As we work together, Paul is getting a clearer sense of his internal chatter and how his various “inside team members” (the many voices, both positive and negative, that form the chatter) help or hinder him in growing his business. This understanding gives him the ability to call on the helpful members of this inside team when he needs them, particularly when he is prospecting.

    Listen To Your Thursday Voice

    Every Thursday, one of Paul’s inside players, what he calls his “Thursday Voice,” kicks him out of the safety of his downtown office and into the independent car dealers and autobody businesses (his current target market) that line the streets in the west end. At first, he thought he’d rather die than do this, but the “Thursday Voice” was insistent. He knows that that guys who look like him (banker types in expensive suits) are an unusual sight among the autobody shops, so he dresses very well. He is polite; he is humble; he is friendly; he has an attitude of curiosity and service.

    Some Thursdays are a bust. Some Thursdays produce hilarious stories. One Thursday, a shop owner who wouldn’t see him until Paul showed up for the seventh time, ended up opening his portfolio and asking Paul his advice. Another Thursday a very well-connected owner met with him, liked him, and referred him to a few other wealthy autobody owners.

    The lesson here is to listen to whatever persistent inner voice propels you to take some chances, and to be grateful that you have that voice.

    Life Is Not Fair … And Fairness Is Not The Issue

    When life deals you a blow, you can easily be hobbled by self-pity, convinced that you have a harder time than other people.

    While this may temporarily be true, no matter what your particular circumstances, resources, and aspirations, the inexorable turning of the wheel of life means that everyone has challenges, problems, irritations and setbacks. And for everyone, life goes on. As the expression goes, “it’s always something,” and it always will be.

    Paul’s clear understanding of the human condition gives him the detachment he needs to respond with action rather than despair when he meets an unexpected challenge.

    When life throws you a curve, take a minute or two to whine (might as well explore your full range of emotion), then pick yourself up, brush yourself off, and see what this latest twist has to offer in the way of adventure, grace and insight.

    It is always something, and isn't that grand?

    Practice Gratitude

    As a fifty-something, Paul is grateful for his hard-earned reputation as a fair and ethical businessman. This reputation got him his current job. Headhunters told him that it could take 18 – 24 months for him to find another executive level position, and he wasn’t willing to wait. He was grateful for the headhunter’s honesty.

    He is grateful that people -- mentors, prospects, customers -- are willing to spend time with him.

    He is grateful that his wife i

    The Worth of the Individual
    For what are you exchanging your life? If it is not for people then you are paying too high a price. When we give ourselves to invest in other people, then we are investing for eternity, but if we give our lives for an organization, a job, an institution, a cause, or a program, then we are only focusing on the temporal. I have always loved my job, my church, and many fine organizations with which I have served. But, when I put the success of the cause or activity above people, then I am misguided.We must work so that we can eat, but we must not give ourselves only for that job, that paycheck, or that bonus. If we give our lives sacrificially for a co-worker, a person working with a customer, or another who works with a vendor, then we are exchanging our life for peopl
    hursday Voice” was insistent. He knows that that guys who look like him (banker types in expensive suits) are an unusual sight among the autobody shops, so he dresses very well. He is polite; he is humble; he is friendly; he has an attitude of curiosity and service.

    Some Thursdays are a bust. Some Thursdays produce hilarious stories. One Thursday, a shop owner who wouldn’t see him until Paul showed up for the seventh time, ended up opening his portfolio and asking Paul his advice. Another Thursday a very well-connected owner met with him, liked him, and referred him to a few other wealthy autobody owners.

    The lesson here is to listen to whatever persistent inner voice propels you to take some chances, and to be grateful that you have that voice.

    Life Is Not Fair … And Fairness Is Not The Issue

    When life deals you a blow, you can easily be hobbled by self-pity, convinced that you have a harder time than other people.

    While this may temporarily be true, no matter what your particular circumstances, resources, and aspirations, the inexorable turning of the wheel of life means that everyone has challenges, problems, irritations and setbacks. And for everyone, life goes on. As the expression goes, “it’s always something,” and it always will be.

    Paul’s clear understanding of the human condition gives him the detachment he needs to respond with action rather than despair when he meets an unexpected challenge.

    When life throws you a curve, take a minute or two to whine (might as well explore your full range of emotion), then pick yourself up, brush yourself off, and see what this latest twist has to offer in the way of adventure, grace and insight.

    It is always something, and isn't that grand?

    Practice Gratitude

    As a fifty-something, Paul is grateful for his hard-earned reputation as a fair and ethical businessman. This reputation got him his current job. Headhunters told him that it could take 18 – 24 months for him to find another executive level position, and he wasn’t willing to wait. He was grateful for the headhunter’s honesty.

    He is grateful that people -- mentors, prospects, customers -- are willing to spend time with him.

    He is grateful that his wife i

    Stepping Stone Jobs
    What we name something matters.It sets a tone that alters our attitude.Give something a new name and the difference may seem insignificant or even trivial.However, if it changes our attitude, it can amount to a very big change.Recently, I heard the term “survival job.”I understood this to mean a job that is often part-time and unrelated to one’s primary career focus. One takes such a job because one’s previous position has been eliminated, out-sourced, down-sized, off-shored, or otherwise zapped.I heard this term a few times and thought, “Why does the phrase ‘hunker-down’ come to mind?”The term suggests an image of bunkers, flack jackets, helmets, and a sound track of voices shouting “incoming!”That doesn’t exactly give
    one has challenges, problems, irritations and setbacks. And for everyone, life goes on. As the expression goes, “it’s always something,” and it always will be.

    Paul’s clear understanding of the human condition gives him the detachment he needs to respond with action rather than despair when he meets an unexpected challenge.

    When life throws you a curve, take a minute or two to whine (might as well explore your full range of emotion), then pick yourself up, brush yourself off, and see what this latest twist has to offer in the way of adventure, grace and insight.

    It is always something, and isn't that grand?

    Practice Gratitude

    As a fifty-something, Paul is grateful for his hard-earned reputation as a fair and ethical businessman. This reputation got him his current job. Headhunters told him that it could take 18 – 24 months for him to find another executive level position, and he wasn’t willing to wait. He was grateful for the headhunter’s honesty.

    He is grateful that people -- mentors, prospects, customers -- are willing to spend time with him.

    He is grateful that his wife is supportive of his new venture and of his current pay cut. He is grateful that he had the discipline to save money when times were good.

    He is grateful that his outlook on life is optimistic and hopeful, not bitter.

    He is grateful that his accumulated wisdom and experience are valuable and can make a difference in others’ lives.

    He is grateful to the independent car dealers and autobody business owners. Without them, he wouldn’t be having adventures on Thursdays.

    Talk Back: I’d love to hear some of the positive practices you use during hard times.

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