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What would it take to achieve your ideal retirement?
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What might be the consequences of pursuing your ideal retirement?
What might be the consequences of NOT pursuing your ideal retirement?
In a recent interview, I was asked the following question:
In retirement coaching circles, there's a well-known saying that, 'Most people spend longer planning their annual holiday or vacation than they do planning their retirement'. By following these tips, you'll be ahead of the curve and give yourself the best chance to avoid joining the 20% of people who report feeling dissatisfied and disillusioned with retirement.
8. Get a fee-based, certified, financial adviser/manager that you trust, that you can relate to and whom you feel understands the unique financial needs and circumstances of women. Check in with them on a regular basis to make sure that your money is still invested in the best way that will meet your needs.
9. If you're getting close to retirement, try living on your estimated retirement income now to see how you get on with that. Then, if you find out you're going to struggle,ray ban pas cher, you can do something now before it's too late - for example, you can look for a part-time job or move somewhere cheaper.
Are you prepared, or able, to take whatever action is necessary? If not, what are you prepared, or able, to do to narrow the gap between the likely reality of your retirement and your ideal retirement? How close to your ideal could you get?
This was my answer:
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3. Make a list of the things that make you most happy and then plan to do them as often as possible - daily if you can,hollister france.
6. Consider whether you have enough hobbies,mulberry, interests and activities to keep you occupied. Retirement frees up between 2,air jordan,000 and 3,000 hours a year, after you add in the time you spend commuting, thinking about and working on work-related activities at home and physically getting ready for work each day. Do you have a nice mix of activities that you can do both alone and with other people? If you live alone, like your own company and prefer solitary activities such as reading and gardening, there can be a tendency to become isolated in retirement. If you're aware that you have these traits (and I definitely do) you might want to consider making regular efforts to get out to meet up with existing friends and make some new ones.
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Corporate downsizing persists More and more companies are outsourcing, Ignoring long term tasks is the cause of long term demise because competitors who do pay now to fly later, The world’s largest industrial corporation was officially one hundred years old in 2008.

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Most people think that they need an MBA in order to create a compelling business plan. However,louboutin, there are a number of options available for every business owner, whether they have an MBA or barely graduated high school. If you don't have an MBA,hollister uk, here are some alternatives that could make your life easier.
There are also freelance writers that can be found at a variety of outsourcing websites like Odesk and GetAFreelancer that have a number of quality writers that excel at creating business plans in short order. Regardless of what route you choose, outsourcing the creation of your business plan should always be considered an option.
By Jason Kay
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There are a number of different ways that you can outsource the research and writing of your business plan. In fact, there are a number of consulting firms that were built specifically for people who could not write business plans themselves. Along with the actual writing of your business plan,hollister, these companies will also do all of the market research necessary to accompany it.
1. Outsource It
When it comes to using templates, there are a variety of options available to you. Utilizing the internet, you can find free templates,abercormbie, however they should be considered only as a modest road-map They often lack the detail or foresight necessary to create a truly useful business plan. It is also important to keep in mind that with trends currently changing, many of the free templates are outdated.
2. Templates
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Gone are the days that MBA's are required for starting a business,louboutin, secure financial backing, and creating a long term success. It is amazing how many success stories are about people with only a minimal college education,abercrombie, or none at all. While MBA's are becoming necessary to land high paying positions, they are not required to create your own small business,louboutin pas cher, let alone write your own business plan. Three of the most common resources to help write a business plan without an MBA include outsourcing, following templates,hogan, and utilizing services offered by local small businesses associations and related organizations.
Local small business associations and related organizations often offer services, both free and charged,michael kors outlet, to help entrepreneurs start up small businesses. They can not only help you write your business plan,louboutin pas cher, but also help you to focus your business objectives and goals in order to create a more successful experience. These organizations are there in order to help small businesses get started as well as secure financial backing, which means that they know exactly what your business plan should include. Even if they will not write your plan for you, they will often look over the plan that you have written and offer loads of advice and guidance. Whatever services they offer, they are an excellent resource and should be taken advantage of.
3. SBA
Another option is use commercial templates. They are often much more up-to-date, as well as more detailed and less generic. As long as you truly understand your business, these templates can guide you towards creating an excellent business plan.
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Self assertiveness: Being strong enough to stand by our deepest convictions. To speak and act appropriately in a manner that is in agreement with our thoughts and feelings.
Self Assertiveness
‘Even though I shy away from speaking my deepest convictions in times of adversity I now choose to be true to myself and believe in the worthiness of my values.’
When we have confidence in our own ability to think and act effectively we can cope better with life’s challenges. Result: We succeed more often that we fail. We form more nourishing relationships. We get more of what we want,louboutin pas cher, more out of life and more from ourselves.
Self esteem is a self reinforcing characteristic. Most of us are taught from an early age to pay far more attention to signals coming from other people than from within ourselves. We are encouraged to ignore our own needs and wants and to concentrate on living up to other people’s expectations. Self esteem requires us to listen to and respect our own sensations, insights, intuition and perspectives.
Self acceptance: Being willing to openly accept all of our thoughts and feelings even if we don’t like them. Facing our mistakes and learning from them,louboutin.
By using thhe six pillars from Dr Branden we can reframe the elements into a choice we make about our lives,hollister uk. You will find it useful to say each of these six choices to yourself each day.
Integrity
‘Even though I have not always acted in accordance with my beliefs and ideals I now choose for all my actions to be aligned with my beliefs, my goals and my choices.’
“Success is not dependant of perfect circumstances, but the
consistent,hogan, persistent desire to achieve the goal.”
Living consciously: Respecting and adhering to every aspect of our needs and goals. Being able to accept facts that might otherwise be difficult to face. Make choices rather than hide from them,abercrombie.
For more information please visit
Self Acceptance
‘Even though I sometimes avoid facing the consequences of my own thoughts and actions I now choose to fully accept all of my own thoughts, feelings and actions as being important to me.’
Integrity: The integration between our thoughts, our feelings and our actions so that everything we do is aligned with our beliefs.
Self Responsibility
‘Even though I allow others to influence my thoughts,plete ownership of every part of my life and be proud of my accomplishments.’
Living Consciously
‘Even though I have not paid attention to my own thoughts and hidden from difficult choices I now choose to live consciously and enjoy respecting my own needs and goals.’
The key is to:
Set goals
Aim for accomplishments rather than perfection
Recognize what you can change and what you can't
View mistakes as learning opportunities
High self-esteem can never be given to a person by another person or society. It must be sought,hollister, 'earned' by the individual for him or herself
Living purposefully: Choosing the path that our lives should follow rather than leaving everything to chance. Developing a level of self discipline that keeps our lives on track,louboutin pas cher.
Living Purposefully
‘Even though I have allowed parts of my life to be left to the mercy of chance I now choose to create goals and desires and to find creative meaningful way to fulfil my ambitions.’
Self responsibility: Establishing a sense of control over our lives by accepting we are solely responsible for our choices and actions at every level. We are the only keepers of our own happiness, goals or values.
By Mark Hayward
See all Articles by Mark HaywardSee Mark Hayward&#039,louboutin pas cher;s Expert PageGet Updates on Self-Esteem and Self ConfidenceGet Updates on Mark Hayward Average: 0 Your rating: None Tweet
According to leading US psychologist Dr Nathaniel Branden there are six pillars of self esteem. A high level of self esteem is a consequence of following six fundamental internal practices that require ongoing self commitment. The six pillars are:
Author's Bio:&nbsp,hollister uk;
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The Canadian automotive industry is experiencing a shortage of qualified workers. If you love cars and are interested in automotive careers, here are ten auto careers to consider.

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milk, half a banana, and your favorite frozen berries (available any time of year).
We all know that we should be eating more fruits and vegetables (even though we might not always do it),[link widoczny dla zalogowanych].
·Keep the freezer stocked with frozen veggies. Many frozen vegetables are frozen right after picking,[link widoczny dla zalogowanych], and are just as healthy as their fresh counterparts. If you have them on hand, it is easy to add some into soups, or use them for a simple side.
·Add extra veggies to your regular sandwich. Consider adding sprouts, sliced bell pepper, tomato or cucumber slices (so much tastier than just a piece of lettuce).
It is one of the best ways to support good health, prevent disease,[link widoczny dla zalogowanych], and to help us lose weight.
·Get grilling! Make colorful and delicious vegetable kabobs as sides when you are cooking on the grill. Or, try grilling fruit (really). Fresh pineapple, peaches, plums,[link widoczny dla zalogowanych], and even bananas taste fantastic when grilled.
·Try adding grated or chopped vegetables into your regular meals. This can be delicious in pasta sauce, soups, stir-fry, or even in mashed potatoes.
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·Keep a stocked fruit bowl on the kitchen counter. If you have fresh fruit readily available, you are much more likely to grab it for a healthy snack.
·Have fruit for dessert. If you are craving something sweet, try making a healthy fruit-based dessert. Try a dipping banana pieces into a bit of melted dark chocolate and then freezing them for a luscious treat. Or,[link widoczny dla zalogowanych], slice and apple and enjoy it with a little bit of vanilla yogurt and a sprinkle of cinnamon.
·Love pizza? Try adding extra vegetables as pizza toppings. Almost anything goes: spinach,[link widoczny dla zalogowanych], bell peppers, onion, mushrooms,[link widoczny dla zalogowanych], zucchini, etc. Try creating new and delicious combinations.
Here are some simple tips for getting more fruit and veggies into your daily diet…
would you like to drink away pounds of stubborn bodyfat and inches from your waistline within 30 short days? Drink away pounds of good-for-nothing bodyfat and inches from your waistline within one month,[link widoczny dla zalogowanych]!
·Use applesauce or other fruit puree as a replacement for some of the oil when you are baking. This is a terrific way to get more fruit,[link widoczny dla zalogowanych], and to make your baked goods extra moist and delicious.
·Make a veggie omelet. Combine broccoli, carrots, peppers, tomatoes, or scallions into your omelet with some reduced-fat cheddar cheese.
By Kevin Cohen
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·Make a healthy smoothie,[link widoczny dla zalogowanych]. Combine low fat or non fat Greek yogurt with skim
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The Canadian automotive industry is experiencing a shortage of qualified workers. If you love cars and are interested in automotive careers, here are ten auto careers to consider.

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Asking the right questions can greatly increase your probability of success,[link widoczny dla zalogowanych], as can learning as much as possible about the world of commercial real estate. This is not an overnight process. One of the best place to start is to learn about your local commercial real estate market. In fact, being aware of the status of your local market can literally be half of the battle.
For example, when purchasing land it’s important to understand that the price of particular parcel varies according to a number of factors. These can include the relative abundance or scarcity of similarly sized and located parcels,[link widoczny dla zalogowanych], the population’s growth trends for the area,[link widoczny dla zalogowanych], and the proximity to good employers. Raw land buyers need to ask plenty of questions about such factors as local zoning laws, land use restrictions,[link widoczny dla zalogowanych], utility easements,[link widoczny dla zalogowanych], traffic patterns, other planned development, the permit process,[link widoczny dla zalogowanych], and other issues. The answers to these questions can have a profound impact on the purchase price of the land and its final, developed value. Where do you go? Your city planning or building department is a great place to start, as is the local utility company. Also check in with a title company or active escrow company for contacts at the city and knowledge in their specialties.
There are many “insider” commercial real estate secrets. One of the most important secrets is knowing the right questions to ask when investigating a commercial property investment. While I’m not going to cover all of the potential questions in detail, I will make you aware of some of the key issues. I’m also going to suggest some places to go for assistance.
Investing in real estate is a complex process. Unfortunately,[link widoczny dla zalogowanych], far too many people jump into this complicated marketplace without the knowledge, training, and tools needed to be successful. It doesn’t help that we have hundreds of self-styled “gurus” selling the latest no-money-down-get-rich-in-three-minutes programs to confuse and demoralize the un-initiated when things don’t work out “as advertised.” These first-time real estate investors are often disappointed in the results they achieve and as a result, often abandon real estate investment entirely without realizing just how lucrative it can be.
By Craig Higdon
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One of the next best places to turn to for the answers is a commercial real estate agent,[link widoczny dla zalogowanych], called a “broker,[link widoczny dla zalogowanych],” familiar with the area in which you have an interest. You can even ask the broker representing a specific property. But,[link widoczny dla zalogowanych], when asking your questions of a broker representing a specific property keep in mind that he or she is working for the seller of that property, not you. A local bank loan office or independent mortgage broker are good sources to consult for alternative opinions.
These aforementioned factors are also important when it comes to buying existing commercial real estate, including retail,[link widoczny dla zalogowanych], office, warehouse, and mixed use properties. Knowing the restrictions on building and use of property is essential to successful real estate investment, so investors need to learn where, how, when, and of whom to ask these questions.
Author's Bio:
Investing in commercial real estate isn’t too different from investigating a crime scene. You need to ask tough questions and find the evidence to back up the statements. It can sometimes be a tough process, but asking the right questions will only increase your chances for a profitable transaction.
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The Canadian automotive industry is experiencing a shortage of qualified workers. If you love cars and are interested in automotive careers, here are ten auto careers to consider.

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Blessed are those who experience mild pre-menopause symptoms as they require little help with hot flashes. Women who lead stress free life and are happy in whatever they do experience mild pre-menopause symptoms that can be controlled with exercises. Pre-menopause is the time to pamper your body and mind. During this period,[link widoczny dla zalogowanych], you should take leave from work and go on vacation where there is no stress,[link widoczny dla zalogowanych], tension or exertion. Go to a village where you can enjoy a slow pace of life.
Look at your kitchen for help with hot flashes. Your kitchen has many food items that can help you control dreading pre-menopause symptoms. For instance take cucumber. This fruit is rich in Vitamin E that is said to be helpful in reducing the intensity and frequency of heat waves. Cucumber is a common fruit available in every kitchen. Another food item that is said to be helpful in controlling pre-menopause discomfort is brown rice. Almonds and mangoes can also give you relief from heat waves. You can buy soy protein from market and take it twice in a day. Within few days of taking this protein,[link widoczny dla zalogowanych], you would find that you are experiencing mild heat waves.
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Do you now that pre-menopause symptoms like hot flashes can be stopped naturally? If no then you need to look for help with hot flashes because soon you will enter into menopause and then you would require help to prevent these heat waves. A majority of women rush to doctors when they experience heat waves but little do they know that doctors would only recommend hormone replacement therapy. HRT can help control pre-menopause symptoms but it is not good for your overall health. Ideally you should try controlling these pre-menopause with diet,[link widoczny dla zalogowanych], exercise and herbs readily available on health food stores.
Intensity of pre-menopause symptoms varies from person to person. There are women,[link widoczny dla zalogowanych], who face mild symptoms,[link widoczny dla zalogowanych], while some women feel very uncomfortable during pre-menopause period. If you one,[link widoczny dla zalogowanych], who faces severe pre-menopause symptoms,[link widoczny dla zalogowanych], then you should consider taking some herbs for help with hot flashes. Chinese herb Dong Quai is said to be very helpful in reducing the intensity of heat waves and providing lasting relief to the pre-menopausal woman. Another herb that can help you control the heat waves is Ginseng. Both the herbs are safe for use as they have no side effects. Another good thing about these herbs is that they are available at local health food stores.
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The Canadian automotive industry is experiencing a shortage of qualified workers. If you love cars and are interested in automotive careers, here are ten auto careers to consider.