Design Your Dream Career and Start Living Your Life Now

Everybody dreams of a good life — a life that matches our goals and aspirations. It is most people’s dream to have a balanced lifestyle, to live a life where we can spend quality time with our family and friends and to do things that provide us with a sense of happiness and fulfillment while at the same time giving us significant income to sustain our needs and wants.It is a reality that challenges will always be part of our lives but with courage, determination and optimism, we can overcome any obstacle that may come our way. Unless you act now, you will never be able to know your true potential. Dreams are blueprints to your future success. Believe that you are capable of achieving your dreams and that you can be successful in anything that you want to do, but you need to have direction and to manage your career very well to achieve this.I know first hand, not just as a professional career strategist, but also from personal experience. My career has had its twists and turns, and it took me a long time to discover a fulfilling career as a career counselor, career coach and internet marketer.Do you know what your career goals are? Make a list of the things that you want to achieve in your life in the next 20 years. Here are a few guiding questions to help you identify your personal career goals:What would you be proud to say you had achieved?What sort of people do you like to work with, both as colleagues and as customers/clients?What has given you the biggest sense of fulfillment in the work you have done in the past?Does your current occupation have the potential to provide opportunities to grow and to further improve your skills and talents?What sort of lifestyle do you ideally want in the future? Is your current work life leading you in that direction?When you imagine your life in 20 years, what level of work will you be doing? Is your current work life leading you there?The next thing that you must do is to create a plan of action, that is the steps that you are going to take to achieve your dream career. I suggest you seek the help of an expert who is capable of providing you with good advice and genuine support. This is necessary if you want to make wise decisions and achieve success. It is also important to surround yourself with people who understand your dreams and are truly concerned with your success. This will help you maintain your motivation, even through hardships. The most important advice that I can give you if you want to succeed in creating a career that you love is to persevere! Some people never succeed in discovering their passion, let alone achieving their career goals, because they don’t have enough perseverance.Many people literally become “sick of work” — not just tired of doing the work that they are being paid to do, but physically sick as a result of the stress involved in their work. Life is too short to be wasted on work that makes us unhappy or even sick. It is up to you to be proactive about your career, to make the decision that you are worthy of having a career and a life that you love.

Posted in Uncategorized | Tagged | Comments Off

What Is The Importance Of A Living Will or Health Care Directive?

WHAT IS A LIVING WILL/HEALTH CARE DIRECTIVE?When you are taken to a hospital in Minnesota from an accident or illness, it may be too late to prepare the documents to assure you the care you want or to provide access to your medical information for your loved ones.The Terri Schiavo case in Florida several years ago provides a graphic example of why every adult should have a health care directive.In that case, a 27 year-old woman went into the hospital for a simple medical procedure but fell into a coma and she lived for a number of years.She had no health care directive so her family could not help decide her medical treatment. The case went all through the Florida courts as well as the Congress, the White House and the U.S. Supreme Court. It certainly was a very sad affair.A Health Care Directive (HCD) under Minnesota law goes by many names… sometimes it is called a “Living Will” or an Advance Care Declaration or Health Care Power of Attorney. They all mean the same thing.A HCD identifies who you would want to make your medical treatment decisions if you’re not able to make those choices on your own. The choice of the health care agent or health care proxy is one you should carefully consider. It should be someone you trust, who is sensitive to your wishes regarding health care but, at the same time, a person who can make a tough decision on your behalf if it comes to that.The HCD spells out what medical procedures and medications you would want and which ones you do not want. However, with the constant improvements in medicine, some procedures that were once may have been painful or intrusive may be more tolerable at the time your Health Care Agent must make a decision.A HCD can also direct what you want to be done with your body after death including whether or not you want cremation or organ donation. You can also designate funeral arrangements and burial location.Having a HCD is very important for you and your entire family. Talk to your attorney or your doctor about one soon.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

How to Find a Good Home Health Care Caregiver

How does one choose the best home health care caregiver? When you or a loved one needs long term care, keeping it simple is always the way to go. For most people who have limitations in their daily activities, the best type of care is the at-home type. Having a caregiver who comes by on a daily or semi-daily basis to help with the tasks you can no longer perform is an ideal solution. But how do you choose someone you can trust to come into your home?How Do I Choose a Home Health Care Provider?Check with the experts in the field of home health care. There are a multitude of companies on the market today which specialize in providing home health care workers to those who need it. Such companies have reputations which can be verified through a simple online search of state governing bodies and consumer protection organizations. Companies who furnish home health care workers are usually very stringent in their recruiting tactics and background checks and carry large liability policies to cover anything that might go wrong.Ask for recommendations. Talk with your doctor about who he or she would recommend in home health care. This may be your best source of information. Also, talk to friends and neighbors about who they have used or if they know someone who used a home health care worker that they were particularly pleased with. Word of mouth is often the most reliable type of recommendation. Whether the average person praises or condemns another’s work, usually they have nothing to gain or lose.What Qualifications Should I Look for?If you must choose a long term care giver without the help of a service, here are some things to keep in mind. Check to make sure that all licenses are up-to-date. Be sure that the care giver is qualified to perform the duties that he or she will have to do. In certain places, you must be a Registered Nurse to administer any type of medication. If you cannot do this yourself and need help, then you may have no choice but to go with an RN.Meet with the caregiver at least twice to familiarize yourself with him or her. Be sure you feel comfortable with the person. Instincts mean a lot. Ask for references and be sure to check them. Ask questions such as why the person left their last job and whether the old employer would consider rehiring them or not. Run a background check. By simply getting some basic information and paying a small fee, usually less than $30, you can run a background check on a person in the state you are in. This may come back with information that will surprise you and aid you in weeding out inappropriate candidates for the job.Where Do I locate Home Health Care Workers?A good source of potential home health care workers is local hospitals, clinics and nursing homes. Often nurses and other health care workers are open to working a little on days they are off or even picking up a few extra hours every day. Check with the human resources departments of such places to see if you can place an ad on a bulletin board or if they have some names they could refer to you.Get The Long Term Care Protection You Need Today

Posted in health care | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

Colorado Commercial Mortgage Brokers

Commercial mortgages are loans taken for the purchase of property that is, only intended for business or commercial use. Properties like shopping centers, industrial centers, offices, golf courses, resorts, hotels, parking garages, and car washes are termed as commercial properties. In Colorado, the best way to apply for a mortgage for a commercial property is to contact a commercial mortgage broker.Colorado commercial mortgage brokers are usually a part of the Colorado Association of Mortgage Brokers (CAMB). It is a non-profit organization, aimed at providing assistance to professionals specializing in real estate. Commercial mortgage brokers are provided with training programs to keep them up-to-date with the latest trends and practices through this organization. The Colorado Association of Mortgage Brokers is also a part of the National Association of Mortgage Brokers.It is necessary to get commercial property financed, at a competitive rate as it directly affects the finances of the organization. Commercial brokers come into the picture once a company decides on the location and price of a property. Usually, organizations opt for a ‘commercial interest only’ loan, as it provides them with an option of paying, only the interest for the first few years of the loan. A commercial loan can be for period of anywhere between five to thirty years. The rate for these loans can be either fixed or adjustable.To become a commercial mortgage broker it is necessary to get a license. The appropriate regulatory bodies that are set in place regulate all the brokers. A regulator body will ensure that the broker complies with the laws. However, to know how a broker treats the customers and if the services provided by the broker are satisfactory, it is advisable to get an opinion from other similar business companies.Commercial mortgage brokers advice the companies in deciding the best loan option. They help their clients understand the whole method of writing a proper loan application, processing the loan file and closing the loan. This helps the companies save a considerable amount of time and money.

Posted in Uncategorized | Tagged , , , , , , , , , | Comments Off

2010 Commercial Real Estate Disaster Coming

Trepp, commercial research provider found that defaults in commercial mortgage securities (CMS) has jumped 85 basis points by the end of November 2009.The Mortgage Bankers Association’s Delinquency Report is showing the 30-plus-day delinquency rates on CMS loans are also rising.”What we are seeing now is a recipe for disaster in the commercial real estate market for 2010,” said Ulysses Sanchez, Real Estate Commercial Group, a commercial loan restructuring company. “A large number of balloon loan payments for commercial property loans are coming due in 2010 and 2011. In the residential arena we know pay option arms are also due to recast in 2010. The vacancy rates are at high levels for multi-family, the unemployment soaring and commercial property values plummeting, commercial property owners are not going to be able to service their debt without serious commercial loan workouts of their loans and business. Property owners need to prepare now in order to avoid default.”According to government officials, the US has about $300 billion in negative equity overhang what will need to be refinanced in the next two years. Refinancing is a big fat if, that is if the Banks are lending of course. The numbers will only continue to increase as approximately $2 trillion or more in commercial mortgages are expected to come due for payment within the next five years.If you are a business owner seeking help for a commercial loan workout or commercial loan modification, be careful. As many companies populated the residential marketplace, the same is happening in the commercial sector. Just Google “commercial loan modification” and you will see for yourself the proliferation of the so called business opportunity as they are being touted by so called “experts or affiliated with a attorney. The problem becomes that legitimate organization like Real Estate Commercial Group that have the expertise and wherewithal to develop a responsible and well laid out commercial loan workout that is acceptable to the lender and client are being squeezed out by the “pretenders” of the industry.Eventually these pretenders or affiliate attorney companies will get the attention of the attorney generals of their respective states. For example in Florida Attorney General announced yesterday he has filed a lawsuit against three business and their principles and affiliated attorneys on allegations of deception practices regarding their involvement in residential foreclosure scam.”if you are a business owner facing a financial hardship, don’t wait do something call us at 1-877-793-2339 x 2310, we are not attorneys, we are bankers. If we need a attorney, its for a Chapter 11 “, said Ulysses Sanchez, Commercial Loan Modification

Posted in Finance | Tagged , , , , , , , , , | Comments Off