Business

Tax Owned Properties For Sale – How to Get Them Before Your Competition

Tax sale properties are great direction to go in with your real estate investing business. There’s a lot of money to be made in this field, especially right now. The current financial climate means there are more tax owned properties for sale than ever before… but probably not the way your first inclination led you to believe.

If you’re looking to invest in tax properties, it may seem counter-intuitive to forget the tax sale. Right? Isn’t that where you go to buy that sort of thing? The answer is yes. However, there’s lots of competition for the nice properties– the ones you’d want to buy– and you’ll have trouble being successful there without a doubt. The secret to tax foreclosure investing is to get tax owned properties for sale before they are owned by the government.

This means purchasing directly from the owners, and with the right timing and approach, you can really get some amazing deals. “Pennies on the dollar” truly applies here. Best of all, you’ll find almost none of these properties has a mortgage, since mortgage companies take care of tax issues on mortgaged properties to prevent them from ever ending up at tax sale in the first place!

Yes, you read that correctly- even though you aren’t buying at tax sale, you’ll still almost never have to deal with the headache of bringing that mortgage current! And mortgage-free homes are often lien-free homes as well. That means all you’re responsible for is that back tax payment… and today, you’ll find more often than not, it will only be a few hundred to a few thousand dollars.

Finding tax owned properties for sale isn’t so difficult. The hard part is finding their owners. Why? Well, in many cases, these owners are absentee landlords, or people who have another home out of state, or people who inherited a property they didn’t really want, and decided to just let it go to tax sale to get rid of it. They’re people who don’t care about the property for sale in Jerusalem, and probably live far away.

What this means for you is that they are people who are ready to make a deal. Even if it’s not on the market, you’ll find their tax owned properties are often for sale just for you when you make that call! Obviously, they can’t or don’t want to take care of the property anymore, and more often than not they’re happy to see the property go to a nice person like you instead of the government– and if they walk away with a few hundred or a thousand dollars, they’re usually more than glad.

Since these aren’t bitter owners who are being thrown off their property, you’ll find it’s much easier to get them on the phone and that they’re much more pleasant to talk to than, say, delinquent owners in mortgage foreclosure, who don’t want to give you the time of day. You’ll also be pleasantly surprised to find that in most cases, no one else has taken the time to call– which means for now, your competition is still overlooking this strategy.

Business

The Three Most Expensive Miami Luxury Real Estate Options To Hit The Market – How High Is High?

There are many who come to South Florida in the hopes of being able to find the most sensational Miami luxury real estate properties that their money can buy. While many have come to find these properties to be among the most expensive real estate options within the United States today, but it seems that things are getting even hotter as far as prices are concerned because now that the demand across the region is high, the prices are catching up too!

Miami has always been considered to be a playground for the rich and famous. From international moguls to Hollywood celebrities, world-class athletes, and more, it has become made clear that the region is definitely among the best locations within South Florida today.

Being one of the best locations for high-class individuals, it is only natural for the region to be filled with first-rate property options that will cater to their exceptional needs. In fact, anyone who has ever considered looking at the different types of real estate options that are currently available on the Miami luxury real estate market will have come to find some of the most extravagant homes and condos known to man!

So, exactly how high is high?

To give you a clear idea on exactly how expensive luxury properties within Miami are nowadays, we have put together a list of the three most expensive options that have been found within the region today. Be warned; the prices are probably going to give you a run for your money!

The $25 Million Miami Penthouse

The region has seen a significant amount of high-rise condo development projects and that easily equates to more penthouse properties which are particularly appealing to people who are looking for options that will have them feeling on top of the world. Such is the case for the $25 million penthouse property located in Miami which was recently sold to an international buyer who would rather not be identified.

The property is a three-story penthouse with a total of five bedrooms and 7.5 baths. It offers breath-taking views from within the 25-foot windows which frame the splendor of the Atlantic ocean and the rest of the city of Miami.

The $52 Million Modern Luxury Home

One of the interesting things about the Miami luxury real estate market is the fact that it contains homes and condos which contain modern features that people would have never imagined to find within a living space. For instance, the luxury home that was placed under contract for $52 million features its very own “chromotherapy” spa – something which easily sounds like state-of-the-art relaxation at its best!

Aside from having such an intriguing spa of its own, it also have an art storage that is concealed for better security as well as a panic room which – guessing by the rate at which people anticipate a zombie outbreak in the near future – could very well keep anyone safe in the event that anything unexpected should happen.

The $125 Million Miami Beach Mansion

If you thought the last two properties were much too expensive and extravagant, just wait until you get a load of this $125 million mansion called Casa Casuarina which is located along the famous Ocean Drive in Miami Beach.

Casa Casuarina is best known as the home in which the last fashion designer Gianni Versace used to live. It is also where he was murdered. Of course, the Versace mansion is easily one of the most amazing properties which emanate such high stature, especially since Versace was one of the most brilliant designers of his time.

It has up to ten bedrooms, eleven bathrooms, and other special areas which are lined in murals, rich fabrics, elaborate lighting, and a variety of other distinguished details that really add to the luxurious feel of the entire home. If that wasn’t enough, the mansion even has a mosaic pool that is lined in 24-karat gold!

Anyone who is eagerly looking forward to being able to live the most fabulous life possible within the South Florida region should definitely check out the luxury real estate Jerusalem market because of the simple fact that the extensive range of options seem to be getting better and better nowadays. While prices are indeed getting higher each month, it is safe to say that the value and quality of living that can be expected from within each one is certainly worth every single cent!

Business

What You Ought To Know About Plumbing

Are you doing your own plumbing for the first time? You probably don’t even know where to start. It’s no secret that doing your own plumbing for the first time can be a bit overwhelming. Below are some tips that can help to make maintaining your own plumbing a bit smoother.

Make sure everyone that lives in your house knows where to find and use the main water shut off valve in case there is a burst pipe emergency. This is especially important if you live in an area where your pipes may freeze. Take a moment to show your family members where the valve is and how to properly shut it off.

Frozen and bursting pipes from harsh winter weather is a problem that no-one wants, so plan now to winterize your exterior faucets and pipes against freezing conditions. A simple way to accomplish this is to find the exterior water shut-off valve located inside your home (often located in the basement). Turn off the water valve to stop water flow, and then open up the outside faucets to drain out any water that has collected. Be sure to turn off the outside water faucets tightly after the water has drained out. Take in any hoses you may have outside so they don’t crack from the cold weather.

Frequently inspect the floors around toilets for softness; this can tell you whether or not the floors are damaged. Sit in a reversed position, putting one foot on each side of the toilet and shift your weight from side to side to check if the floor feels slightly unstable. Picking up on any problems now will definitely work to save you money later. It’s the difference in a little maintenance and total floor replacement.

Do not put your hand in the garbage disposal to remove a clog. This can be potentially harmful. Always use tongs to get out whatever is stuck in the disposal. Using tongs is much safer, and you will make sure your hand does not get cut on the disposer’s sharp blades.

One way to prevent pipes from freezing during the winter is to keep cabinet doors in your house that contain the pipes open. This can insure that they get adequate heat to keep warm. Make sure also, to unhook and kind of hose outside and run a little water to clear the pipes of any remaining water going outside.

One of the things that you can do to maximize the security of your home is to seal all of the cracks in your outdoor faucets. Even a tiny crack can intensify as the season progresses and lead to serious problems down the road. Reduce drips and leaks for optimal protection.

If you have clogged pipes, try cleaning them with an enzyme pipe cleaner. This type of cleaner uses natural bacteria to transform sludge into liquid, that makes it disappear from the pipes. The best options on the market now are enzyme cleaners.

You can remove unsightly mineral buildup from your shower head by soaking it in vinegar overnight. This loosens the deposits, and in the morning you only need to wipe off the residue with a rag. If your shower head is high up an not removable, place vinegar in a plastic bag, slip the bag over the shower head and hold in place with a twist tie.

As you have seen, doing your md sewer plumbing is not as scary as it may appear at first. Just think of all of the benefits it has and all of the expenses it can take care of, along with all of the money it can save you in the long run.

Business

Business Growth Secret Revealed – Using a Marketing Calendar

Using a marketing calendar
Many business owners may not necessarily be doing their marketing planning this way or may choose to be doing this in a similar way. Either way, using a marketing calendar can be hugely successful strategy to grow your business through effective marketing.

What is a marketing calendar?
A marketing calendar is a way to organize your marketing activity to specific Non Profit Growth dates or deadlines relevant to the target markets of your business;

For example a florist could target mother’s day marketing and promotion. It may be a more general month target of for instance targeting Christmas shoppers in November. It can also be used to schedule information or promotion to clients who have been engaged to services for a specific period, such as an insurance company may wish to do certain marketing activities prior to renewal dates for instance.

A marketing calendar can be a way of aiming at different key target markets throughout the year and aligning all the marketing efforts for greater impact in gaining your target markets.

You may also notice trends at certain times of the year, which you may choose to attempt to exploit more fully in your marketing calendar planning. For instance a financial planner may see a spike in new year resolutions leading to more interest in wealth creation early in the new year.

How to do a marketing calendar?
Your marketing calendar is a working document you can revise and update throughout the plan year. A marketing calendar should be simple. I recommend a simple spreadsheet matrix with months or dates with your key target market type described along with the key marketing efforts directed at that target market.

Go back and review your target markets.
A good business should know exactly who or what kind of client or customers it would like. Remind yourself the types of target markets that you may be winning more, make more money from, have more competitive strengths in, more specialized in or even just downright enjoy more. The key is don’t be too broad or have too many. The more specific your target market is, the easier your marketing becomes and chance of marketing success.

Review all of your marketing activity
If you haven’t already done so, go on and write down all your marketing efforts in detail and check on just how effective each marketing tool is for you. To state the obvious you should then consider putting more focus on the ones that work and eliminating the ones that don’t work. You could also try to match certain ones to the different target markets.

Some examples of your marketing efforts maybe be:
• Signage

• Social media

• Websites

• Referral partners

• Business networking

• Paid online marketing

• Asking for referrals

• Web blogging or SEO

• newsletters

What if this doesn’t apply to your type of business?
Perhaps your business is not at all dependent on the date or time of the year. If so, consider just having after care schedules to perhaps ask for referrals or cross sell you at a certain point after a sale.

Where do I find the time to do this?

Well often business owners do not get out of the business long enough to develop some systems to improve their businesses. If this is the case they are unlikely to get different results.

So they need to look at ways to free up their time to devote in this area. This can be achieved by delegating or training staff to be more capable and giving the business owner more time to develop their business.

Otherwise they may simply outsource their marketing and grow their business that way.

Business

Technology Management Graduate Studies

The increasing importance of technology in every industry continues to drive the need for a diverse group of qualified professionals to manage the implementation and changes in technology. Pursuing a degree at a technology management graduate school can be the right step for beginning a rewarding career in the management of everything from computer hardware to information security within an organization.

Overview of Technology Management

Technology management professionals are in high demand because of the unique set of skills they possess. In this field, professionals are able to make leadership and management based decisions, develop solutions to technology issues, and approach the management of technology from a systems thinking perspective.

For any management professionals, some of the skills that are required include being able to manage personnel, organizational design and communication, and financial analysis and decision making. Technology management professionals combine this knowledge with specific information technology and systems technology skills and knowledge to effectively lead and make decisions for the assessment, forecasting, strategies, and decision making with a number of different information technology departments.

Technology Management Graduate Degree Curriculum

There are a number of technology_management graduate school choices for prospective students. While there are differences depending on the individual program and school, students most often complete a set of core courses, electives, and a graduate program in order to complete the graduate degree. This combination helps to prepare graduates to transfer relevant, useful skills into the workforce.

From graduate level courses in technology to business, students are able to learn a variety of skills and gain valuable knowledge. Some courses in technology often included information technology_management, operations, emerging technologies, and ethics. Additionally, students will take business and management courses such as supply chain management, sales and marketing, and accounting for technology.

These courses give students the opportunity to gain a broad foundation to develop an understanding of the basic fundamentals of technology management. The electives and the master’s project build on that foundation to help students begin to focus their education on a specific area of technology_management. Some examples of electives include knowledge management and relationship management. The master’s level project combines the knowledge, theory, and skill a graduate student has gained though academic coursework to examine how that ability can be transferred to a real-world, challenging business issue or problem in order to find a solution or manage a specific scenario.

Career Development with a Technology Management Graduate Degree

Technology professionals must develop a variety of skills. In addition to understanding information technology, professionals in this field must also be able to manage change with technology and technology systems, integrate functional areas of business, leveraging technology, and business management principles to effectively lead the technology driven functions of a business.

These skills are needed in many different types of positions across all types of workplaces, from the federal government to non-profit and educational organizations to private corporations. From the chief information officer to information technology manager, a degree in technology_management is a helpful tool to gain the experience and skills needed for all types of management positions of technology-driven departments.

Business

Contents of Education

An Islamic Perspective towards Philosophy of Education

Introduction

Philosophy is the study of realities, pursuit of wisdom, and commentary on general principles of life. It is concerned with a search of eternal truth, both conceptual as well as practical. It has five areas of search – Epistemology, Metaphysics, Aesthetics, Ethics and History. The instrument used by philosophy to unearth realities or to discover truth is logic, both inductive as well deductive. Educational philosophy is a branch of general philosophy, it gains strength from epistemology. It formulates the aims and objectives or contents of education that, in turn, influence the whole learning environment, society, and future generations.

Philosophy of education is based on general principles of psychology, sociology, politics, economics, history, science, and religion. Education is dualistic phenomenon; it is static as well as dynamic. The major portion is dynamic or provisional and adjusts with the change and growth in knowledge, social structure, and civilization, while the minor but vital portion is static or eternal. We proposed that the contents of education are eternal while the application and explanation of these contents, a major portion, is dynamic. We assumed multi-disciplinary approach towards contents of education. The analysis accommodates the needs of individuals, society, and time and encompasses the cultural, social, and vocational aims of education.

Education may be formal as well as informal. The formal education is given in schools or colleges or universities, on the other hand informal education is obtained and absorbed from society and environment. Education, formal & informal, is developed and internalized in one’s personality through reflection and experience. It means all of us are learners during our lifetime. However, we are going to analyze the philosophy (aims & objectives) of formal education. Moreover, education has three levels – primary, secondary, and higher. Primary education deals with infants of 3 to 11 years old, secondary education covers teenagers of 12 to 18 years, and higher education shapes young learners of above 18 years. A distinctive approach is required for each level of education.

The contents of education vary from community to community. A secular society would have a different approach towards contents as compare to some ideological society. Moreover, the explanation or implementation of contents would be different in different societies. Our analysis is ideological and dominantly based on Islamic view towards education.

Terminology

The term “education” has been derived from the Latin words Educare, Educatum, or Educere. Educatum and educare mean to train and to nourish, while educere mean to lead out. The former implies that education is something external; to be imposed or put in from outside, it means the external environment plays a decisive role in learning process. The latter indicate growth from within; it means internal potentialities of an individual are decisive in learning process, the external environment has secondary role in educational process. Naturalists / Psychologists gave more importance to internal dispositions of learning process while the social philosophers put major stress on external demands of educational process. We assumed a mixed and balanced approach towards role and importance of internal-external environment of learning process.

Definition

Aristotle defined education as process necessary for the creation of a sound mind in a sound body, according to him, the aim & objective of education is to create good and virtuous citizens. Ibne Khaldun, in fourteenth century, expresses the view that education consists off intellectual, social, and moral training through which hidden potentialities are developed, traits of character are built and culture of the people is conveyed to the coming generations. Dewey, in twentieth century, defined education in these words: “Education is a process of living through a continuous reconstruction of experiences. It is development of all those capacities in the individual that will enable him to control his environment and fulfill his possibilities.” We may define education as, Education is the mean whereby adults pass on and inculcates to children their knowledge, thought-pattern, and behavior pattern and develop their genetic potential to manage existing and future challenges.

Aims & Objectives – Islamic View

Islam is Divine religion. It is based on revealed book, Quran, and prophetic commentary, Hadith. The foremost responsibility and ultimate purpose of prophets and Revealed Books are to educate the mankind for better, happy, and purposeful life. They specify the purpose of life, outline the procedure to actualize it, and present a practical example of purposeful life. Thus, the aims and objectives of education or contents of education can be understood from the last Revealed Book, Al-Quran. We quote a verse of Al-Quran,

Undoubtedly Allah did confer a great favor on the Muslims when He raised an Apostle from among themselves, who recites to them the Revelations of Allah, and causeth them to grow, and teacheth them the Scripture and Wisdom whereas they were in manifest error before.” (Al-Quran)

The verse identifies aims and objectives of education. These are:

 

  • Faith Plantation
  • Knowledge Advancement
  • Wisdom Enhancement
  • Manner Development

 

A. FAITH

The word faith has various meanings and uses, however, the central meaning is similar to “conviction”, “belief”, “trust” or “confidence”, but unlike these terms, “faith” tends to imply a submissive and transpersonal relationship with God or with someone having superior powers. Faith is founded on certain beliefs; beliefs’ indispensability to faith is just like seeds’ inevitability to plants. A belief system has certain perceptual ingredients with practical implications. A living faith must fulfill two conditions, the necessary condition is logical reasoning and sufficient condition is practical fruits for believers / mankind. A living faith gives stability to the believer, creates dynamism in one’s personality, brings fruits in one’s life, promotes cohesiveness among the believers, and assigns a specific shape to a group with peculiar traits.

We mention a few verses of the Holy Quran to outline and explain the basic elements of Islamic Faith.

A Glorious Book this! Which has nothing of doubt in it; it is guidance for the God-conscious who fear Allah. Those who believe in the Unseen and establish prayer and spend in Our way out of what We have provided them. And those who believe in that which has been sent down to you (O My Apostle) and in that which was sent down before you, and they also have faith in the August Day of Judgment. They are the ones who are rightly guided, and verily it is they who are successful in both the worlds.” (Al-Quran)

The first thing that the Quran does it removes the element of doubt, which is the foremost requisite of modern philosophy by introducing the faith as a fundamental factor behind reality. Doubt is a negative factor that hinders the exact understanding of reality; curiosity is far better alternate to doubt for knowledge development or to unearth realities. The faith concomitantly presupposes some obligatory beliefs – Unity of God, Unseen System (Angels, Heaven, Hell, etc.), Revealed Books, Institution of Prophets, Day of Judgment, Fate, and Life after Death. In addition, it imposes some obligations on believers – Kalimah (a confession of faith), prayer, fasting, alms giving, and pilgrimage. It is noteworthy that the idea of Unity of God must create the belief of mankind’s unity.

The Islamic approach towards faith is that it is revealed, explained, and planted through reverent personalities, i.e., prophets; a faith based on personal reasoning is not acceptable in Islam, the finality of prophets’ wording about faith elements is also essential. In addition, a loving and trustful posture towards prophets is fundamental for complete faith, without it faith is incomplete or objectionable. The very foundation of faith is thus love and submission to a reverent personality or a prophet. Simply, faith can be defined as accepting something true which has been told by someone who is believed to be trustworthy / praiseworthy.

The object behind development of faith is to make stable and balance psycho-spiritual formation of human personality. The prophets are sent as practical role modals and revealed books are accompanied as permanent working manual for guideline. The ultimate aim of developing faith elements is to equip the individual with necessary working tools to manage and tackle the conceptual or practical issues of life, either, big or small, simple or complex, independent or interlinked, a few or many, with fortitude and firmness. Thus, determination is necessary outcome of faith, no determination, than no faith.

Islam vehemently put forward two aspects of faith – human and transcendental. The human aspects propose the concept of unity of mankind, while the transcendental aspects propose the idea of Unity of God. Faith is incomplete if one aspect is ignored or not forcefully defined. In addition, the ignorance of one aspect makes the human personality lopsided and unstable. The repercussions of wrong belief about unity of mankind and Unity of God are manifold and penetrating to each and every aspect of human society. It can lead the nations into some kind of continuous strife and belligerent attitude towards each other. Moreover, the effects of wrong belief go beyond the present generations’ outlook and disturb the peace and tranquility of future generations, as well.

B. KNOWLEDGE

It is the understanding of the factual/declarative, procedural and conceptual aspects of something that a person acquires through education, observation and experience. Acquisition of knowledge is basic demand of human nature. It plays vital role in growth and development of a person or a nation.

1. Bases of Human Knowledge: –Let us quote some verses of the Quran on the subject:

And recall when your Lord said to the angels: “I am going to appoint a vice-regent in the earth.” They said: “Will You set in the earth such as will make mischief and cause bloodshed, whereas we celebrate Your praise and glorify You.” Allah said:” Surely I know that which you know not.”And Allah taught Adam the names of all things. Then He set them before the angels saying: “Tell Me the names of these if you are really truthful (in your opinion)” They said: “Glory to You! We have no knowledge what You have taught us. In truth, You alone are the All-Knowing, the All-Wise.”

Allah said:’ O Adam! Tell them the names of these things.” Then Adam had told the angels the names of those things, Allah said: “Did I not tell you that I know full well all the hidden mysteries of the heavens and the earth and I know whatever you disclose and whatever you have been concealing?

The verses manifest that the human nature has been made inherently fit and capable of receptivity and absorption of Divine Knowledge. Moreover, Adam’s knowledge has ability to conceptualize the things in nature. Thirdly, man has ability to develop language because Adam assigned names to items without prior formal training. These verses also show that the first man of the earth came down fully abreast of scientific knowledge, in full monopoly to develop it for natural conquest. According to Quran, than the program of human activity should proceed hand in hand with the divine cooperation and blessing, before the plan was being carried on unilaterally in which God has no vice-regent. The verses also indicate that a man has free will to choose right or wrong path of life. There is no external compulsion on his free choice. The verses also indicate that the mankind has strong tendency towards injustice and strife, however, it can be managed through human knowledge and is restrained by the Will of God.

2. Types of knowledge: –Knowledge can be classified into following groups:

 

  • Natural Sciences: –Natural sciences deals with inanimate objects of universe. The major branches are physics, chemistry, and astronomy.
  • Biological Sciences: –Biological Sciences deals with animate objects of universe. The major branches are zoology, botany, and psychology.
  • Social Sciences: –Social Sciences deals with collective life and relationship between individual and society. The major branches are sociology, political science, and economics.
  • Professional Sciences: –Professional Sciences deals with professions of individuals necessary for human survival / quality of life. The major branches are medicine, engineering, and commerce.

 

Islam accepts the scientific classification of knowledge, however, it proposed a broader taxonomy of knowledge for mankind:-

First, Absolute verses Dubious Knowledge. The absolute knowledge is based on some scientific facts or given through some reverent personality (i.e., prophets) in a shape of Revealed Book (e.g., Quran). The dubious knowledge is based on subjective analysis (e.g., the theory of psycho-analysis proposed by Freud.). Second, Fruitful verses Fruitless Knowledge. The fruitful knowledge gives benefit to mankind (e.g., natural sciences, biological sciences, social sciences, and, professional sciences.) while the fruitless knowledge is of no use for mankind (e.g., occult sciences).

3. Aspects of Knowledge: –A peace of knowledge can be broken into three categories or has three aspects – Declarative, Procedural & Conceptual.

  • Declarative Knowledge: –It is knowledge about something, e.g., structure of body, structure of computer, format of earth, and parts of speech. It deals with WHAT type of questions.
  • Procedural Knowledge: –It is knowledge about the procedures and sequences. It narrates and explains procedures & sequences of any compiled information or data, that is, it deals with HOW & WHEN type of questions. For example, HOW computer is manufactured or used, WHEN computer is ready to use or sale.
  • Conceptual Knowledge: –It is knowledge of concepts working behind the declarative and procedural knowledge. It is abstract aspect of knowledge. In conceptual knowledge, the relationship among concepts is also discussed. It deals with WHY type of questions. For example, the mathematical concepts and their relationship with each other that provide basis to the working of computer hardware or software.

 

C. WISDOM

Knowledge enables us to understand the realties of things (i.e., Divine Scheme of Creation, Natural System of Growth, natural forces, and history) and wisdom equip us with abilities to utilize the realities for the benefit of self and others. According to Islam, wisdom is higher level attribute, it comes after knowledge. Wisdom is bestowed when will of man is replaced by Will of God and human understanding is fully exploited, thus, wisdom is based on knowledge and intellect. Let us quote a verse to make it clear:

“He bestows wisdom upon whom He will, and whosoever is granted wisdom he is indeed granted abundant good and none accepts admonition except men of understanding.”

(Al-Quran)

Islam proposed two diagonally opposites aspects of wisdom – Divine Wisdom and devil wisdom. The Divine Wisdom is based on right faith and fruitful knowledge and produce good results for self and mankind, materially as well as spiritually, while the devil wisdom is based on wrong faith and fruitless knowledge and leads the mankind towards only worldly or material benefits, completely ignoring the benefits of others and spiritual benefits. The devil wisdom guides for self benefits at the cost of others, however, the devil / worldly wisdom is short-lived and weak, ultimately fails to materialize her lopsided designs.

Character-Sketch of a Wise Person

Wisdom is personalized, established, and manifested through struggle. A person fully involved in chores of life would qualify for wisdom. Seclusion or solitude is very negation of wisdom, while the participation is very basis of wisdom. A wise person pursue his goals/responds the problems of life with certain characteristics. These characteristics are essential working tools of a wise individual that give him/her edges over non-wise. The prominent attributes of a wise person are – Effective Communication, Enthusiasm, Discipline or Rigor, Decision Power, Sense of Responsibility, Moderate Behavior, Self-Confidence or High Morale or Courage, and Appropriate Appearance.

D. BEST MANNERS

Manners are countless, structurally, and diverse, practically. However, the essence of good manners is constant for all and sundry, it is humility. Humility is unique positive attribute of human personality; it is an attribute as well as essence of every positive attribute. Absence of humility makes the existence of all manners a soul-less ritual unable to produce fruitful results for self and others. A proud person is ill-mannered and creates problems for self and others.

Manners have two aspects – inner and outer. Inwardly, manners are shaped by dynamic organization of all the perceptions, intentions, and emotions of an individual and the behavior that results from the organization of these aspects, while, outwardly; they are shaped by social acceptance of behavior. Simply,conformity to some rationally defined and morally established interactive standards is considered best manners. Manners are developed under the guidance of intellect, knowledge, wisdom, social norms, and religion. They are time-honored phenomena. The reasonably/indisputably evolved set of manners creates order, consistency and continuity in one’s life and gives beautiful look to an individual or society. Manners are forerunner of culture and give longevity to civilizations. A society of ill-mannered persons will not be able to survive, at least with respect and recognition.

Business

Community Needs Health Assessment

In 2012 the Internal Revenue Service mandated that all non-profit hospitals undertake a community health needs assessment (CHNA) that year and every three years thereafter. Further, these hospitals need to file a report every year thereafter detailing the progress that the community is making towards meeting the indicated needs. This type of assessment is a prime example of primary prevention strategy in population health management. Primary prevention strategies focus on preventing the occurrence of diseases or strengthen the resistance to diseases by focusing on environmental factors generally.

I believe that it is very fortunate that non-profit hospitals are carrying out this activity in their communities. By assessing the needs of the community and by working with community groups to improve the health of the community great strides can be made in improving public health, a key determinant of one’s overall health. As stated on the Institute for Healthcare Improvement’s Blue Shirt Blog (CHNAs and Beyond: Hospitals and Community Health Improvement), “There is growing recognition that the social determinants of health – where we live, work, and play, the food we eat, the opportunities we have to work and exercise and live in safety – drive health outcomes. Of course, there is a large role for health care to play in delivering health care services, but it is indisputable that the foundation of a healthy life lies within the community. To manage true population health – that is, the health of a community – hospitals and health systems must partner with a broad spectrum of stakeholders who share ownership for improving health in our communities.” I believe that these types of community involvement will become increasingly important as reimbursement is driven by value.

Historically, healthcare providers have managed the health of individuals and local health departments have managed the community environment to promote healthy lives. Now, with the IRS requirement, the work of the two are beginning to overlap. Added to the recent connection of the two are local coalitions and community organizations, such as religious organizations.

The community in which I live provides an excellent example of the new interconnections of various organizations to collectively improve the health of the community. In 2014 nine non-profits, including three hospitals, in Kent County, Michigan conducted a CHNA of the county to assess the strengths and weaknesses of health in the county and to assess the community’s perceptions of the pressing health needs. The assessment concluded that the key areas of focus for improving the health of the community are:

· Mental health issues

· Poor nutrition and obesity

· Substance abuse

· Violence and safety

At this time the Kent County Health Department has begun developing a strategic plan for the community to address these issues. A wide variety of community groups have begun meeting monthly to form this strategic plan. There are four work groups, one for each of the key areas of focus. I am involved in the Substance Abuse workgroup as a representative of one of my clients, Kent Intermediate School District. Other members include a substance abuse prevention coalition, a Federally qualified health center, a substance abuse treatment center and the local YMCA, among others. The local hospitals are involved in other workgroups. One of the treatment group representatives is a co-chair of our group. The health department wants to be sure that the strategic plan is community driven.

At the first meeting the health department leadership stated that the strategic plan must be community driven. This is so in order that the various agencies in the community will buy into the strategic plan and will work cooperatively to provide the most effective prevention and treatment services without overlap. The dollars spent on services will be more effective if the various agencies work to enhance each others’ work, to the extent possible.

At this time the Substance Abuse work group is examining relevant data from the 2014 CHNA survey and from other local resources. The epidemiologist at the health department is reviewing relevant data with the group so that any decisions about the goals of the strategic plan will be data driven. Using data to make decisions is one of the keystones of the group’s operating principles. All objectives in the strategic plan will be specific, measurable, achievable, realistic and time-bound (SMART).

Once the strategic plan is finished, the groups will continue with implementation of the plan, evaluating the outcomes of the implementation and adjusting the plan as needed in light of evaluation. As one can see, the workgroups of the CHNA are following the classic Plan-Do-Check-Act process. This process has been shown time and again in many settings-healthcare, business, manufacturing, et al-to produce excellent outcomes when properly followed.

As noted above I recommend that healthcare providers become involved with community groups to apply population level health management strategies to improve the overall health of the community. One good area of involvement is the Community Health Needs Assessment project being implemented through the local health department and non-profit hospitals.

Business

When to Buy a Car For the Best Car Deal

Buying a car is a process and not one to be taken lightly because leaving out or skipping a few details can cause you to spend much more money than you need to spend. One of those details is when to buy a car. After being in the car business for many years you come to understand the process and why some car buyers pay thousands of dollars more for the same car than others. There are many ways that this can happen, but the one I want to tell you about is timing or when to buy a car.

The automobile retail business operates on a monthly basis, meaning that everything they do, sell, finance and pay their employees revolves around their monthly performance. Sales goals, bonuses, commissions and salesman pay plans are calculated by the month. Therefore each month the sales staff, including the sales managers starts out at zero and everyone is on the same page. In the car business it doesn’t matter what you sold last month or last year, the only thing that matters is what you sold this month. For this reason when to buy a car for the best deal can make a difference.

When a new month starts out in the business of selling cars there is a little sigh of relief that the month is over and the new month is starting. The stress level is lower for the salesmen and sales managers because they are not looking at their sales and trying to figure out how to reach their goals by the end of the month. This is one aspect on why when to buy a car is important, but not the only reason.

The car dealership, much like any other business depends on the flow of traffic that comes through their showroom. So the first week of the month the sales people and sales managers are more focused on making larger profits on each car they sell rather than how many cars they sell. However there is a drawback to this mentality because if they try to too hard to make big profits they are likely to sell fewer cars.

Why When to Buy a Car Matters

If it is a good day and the dealer has been making profitable sales throughout the day they are likely to be more choosy about what car deals they will make and more likely to pass on the small margin deals. On the other hand, if it has been a slow day at the car dealership because floor traffic is light and very few sales have been made, the attitude of the sales manager on duty starts to go from picky to desperate. The sales manager never wants to tell the car dealership owner that they only sold 2 or 3 cars or even worst that they blanked (no cars sold). Rather than blank or have to report that very few cars were sold on a particular day the sales manager will do almost anything to sell a car. So you can see that the end of a slow day at the car dealership it matters when you buy a car. The best car deals for the dealer are made early and the best car deals for the buyer are made late and obviously when to buy a car.

Days and Times When to Buy a Car

Now the question is how you know when the automobile dealer is having a slow day or a busy day. Traditionally the slowest days for the auto dealer are Tuesday and Wednesday, but his is not cast in stone. I have seen busy Tuesdays and Wednesdays at the dealership, but they are few and far between. Saturdays are typically the busiest days unless you reside in a state where the car dealers are open on Sunday and then they are busy both days because most people have time on the weekend and not considered the best for when to buy a car. Coming in as the second busiest are Mondays and Fridays, They aren’t as busy as the weekend, but for some reason they can come close at times to the number of sales as Saturday and Sunday which are not the best days when to buy a car.

That leaves us with three slower days for when to buy a car and I have already talked about all of them except Thursday. Thursday seems to be a hit or miss day for the car business, sometimes good and sometimes weak. For my money I choose Tuesday or Wednesday for the best car deal if at all possible. Now if the end of the month happens to fall on those days you can really hit the jackpot. You have the two slowest days of the week and you can profit from the month end push of the car dealership to increase their volume.

Like I mentioned earlier about monthly sales pay plans and bonuses, the last few days of the month can really help you get the best deal on a car. At the end of the month your car salesman and the sales manager always want to add a few more cars to their sales because their commission and bonuses can increase dramatically, that’s when to buy a car. The end of the month always sells more cars than the beginning of the month, whether it is from the attitude and the desire to increase their bonuses and paychecks (most likely) or the fact that the dealerships has more traffic either way you stand your best chance of getting the best car deal when you buy a car at the end of the calendar month.

You may have heard that December is when to buy a car, but there is a flaw to that theory. The people that sell the cars and make the deals are paid based on their monthly performance and not their yearly performance. Therefore the car salesmen, auto sales women, sales managers and finance managers are the most motivated to sell a car when their pay is on the line, which is the end of every month. You now have all the reason, logic and information about when to buy a car and get a great deal. So come on down, have I got a great car deal for you!

Business

My Testimony of Using a Free Christian Dream Interpretation Site and Paid One

What do you choose, free or paid Christian dream Interpretation? I had people that could do a free dream interpretation and yet I still paid for one as well as getting my free one. Why did I do that? Because like prophecy each of them showed a dimension of what God wanted to show me.

I had a dream and it went like this

I had a dream I was going on a popular TV show to be interviewed. As I was waiting to be interviewed my cousin came ( he is about 3 years older on my mothers side) He came in and said to drop into his work after I am done at the TV station as he has a book to give me. I went into the studio and they asked me the questions and filmed me for the TV show and then my dream changed. I was wondering what is meant.

I first gave it to a person that is very gifted and it is a paid dream interpretation site. She has many years experience in doing dream interpretations and this is what she said:

Dream meaning

A ‘popular TV show’ indicates that you will soon be in the public eye. You will be seen and observed by all types of people. Your ‘cousin’ could represent a himself or someone who has knowledge (a book) to impart to you. This knowledge will be gained in the ‘work’ place. Some ‘questions’ asked you will be spiritual in nature. You will give the correct response. I believe that you are a gregarious person or will soon be one. God had much ahead for you.

My Feedback on Paid Dream Interpretation

I am soon to be in the public eye.

At present about 1000 people a week watch my YouTube videos, 4000 people a week read my articles. You could say I am already in the public eye. But, from the age of 14, 29 years ago I have wanted to preach in pulpits. Tomorrow I preach for the second time in my church and I feel that in coming months I am going to start to get invites from other churches.

You will be seen and observed by all types of people.

I take this to mean that I am going to have the opportunity to be seen and heard from all sorts of Christians, both the pentecostal and the traditional.

Your ‘cousin’ could represent a himself or someone who has knowledge (a book) to impart to you. This knowledge will be gained in the ‘work’ place.

I am always on the lookout for people to give me knowledge and will be looking forward to this. I also have made contact with people who can type up a book I made in video segments and I feel the book in my dream has to do with that also.

Some ‘questions’ asked you will be spiritual in nature. You will give the correct response.

Part of some of the teaching I hope to do in the future will include doing teaching on the prophetic and I expect there to be many questions from the people I will be teaching.

I believe that you are a gregarious person or will soon be one.

I am this sort of person.

God had much ahead for you.

I have big visions and dreams and it seems God has got all of this in his plans for me.

The Free Christian Dream Interpretation

Hi,

My name is Jeanette and I have been asked to seek the Lord regarding your dream –

I had a dream I was going on a popular TV show to be interviewed –

Television is the eye gate of knowledge/good/evil- reflection of self – prophetic vision. (Numbers 24: 16) Being interviewed is the doorway of expression.

As I was waiting to be interviewed my cousin came (he is about 3 years older on my mother’s side) He came in and said to drop into his work after I am done at the TV station as he has a book to give me.

Waiting is a period of time for preparation, Cousin is symbolic for a “spiritual relative” (Ps68: 6,) and the number three is the number of Holy Spirit and resurrection. Mother is this case represents the church (Gal 4:26) Book represents words (Luke 3-4)

I went into the studio and they asked me the questions and filmed me for the TV show and then my dream changed. I was wondering what is meant.

Studio symbolism the place of “putting it together.” – creating the picture.

Conclusion: The dream is saying that you are being positioned by the Holy Spirit. He is calling you to a time of preparation which He will reveal the Living Word to you and Holy Spirit is imparting prophetic vision to you, He is “opening your eyes to see”. At the appointed time, He will open up a platform for you to share what He is teaching and showing you prophetically.

My Feedback on free dream interpretation

Television is the eye gate of knowledge/good/evil- reflection of self – prophetic vision. (Numbers 24: 16) Being interviewed is the doorway of expression.

There is so much in this. Although this lady knows me personally she did not know that this dream request came from me. So she was not aware that I was a prophet. The dream told her that. I love being asked questions and she says that it is the doorway to expressing myself which I am very comfortable with.

Waiting is a period of time for preparation, Cousin is symbolic for a “spiritual relative:” (Ps68: 6,) and the number three is the number of Holy Spirit and resurrection. Mother is this case represents the church (Gal 4:26) Book represents words (Luke 3-4)

God keep on telling me that I am in a waiting period. A time of training and time to prepare for my full time ministry. Having the Holy Spirit comes up is significant as he always leads me what to preach on your tube and on articles. I am to preach to the church, that is I am called to minister to the body of Christ as a Teacher/prophet. You see that this description gives me insight into my destiny.

Studio symbolism the place of “putting it together.” – creating the picture.

I have many irons in the fire, a YouTube channel with 700 videos, articles with nearly 700 articles, and a prophetic website, a blog and books getting made. I feel that soon they will all be coming together.

Conclusion: The dream is saying that you are being positioned by the Holy Spirit. He is calling you to a time of preparation which He will reveal the Living Word to you and Holy Spirit is imparting prophetic vision to you, He is “opening your eyes to see.” At the appointed time, He will open up a platform for you to share what He is teaching and showing you prophetically.

As I said before my articles and YouTube videos are being selected by the Holy Spirit. It is good that the Holy Spirit is getting me into the right position to minister. This is very comforting that the Holy Spirit is directing me.

The Holy Spirit is calling me to continue in preparation which I know to be more reading of the word and more ministering and “practice” The Holy Spirit is really giving me a vision of where I am to go and where I am to take people. He indeed is opening my eyes to see what is before me and what is before the church in these times.

What I like the best, is my dream says that at the appointed time God will open up a platform for me to speak about what He has been showing me and teaching me. I have so much I can impart and am bursting with excitement for the day that i will get to share the things I have to share.

What do you choose, free or paid Christian dream Interpretation? I had people that could do a free dream interpretation and yet I still paid for one as well as getting my free one. Why did I do that? Because like prophecy each of them showed a dimension of what God wanted to show me.

I had a dream and it went like this

I had a dream I was going on a popular TV show to be interviewed. As I was waiting to be interviewed my cousin came ( he is about 3 years older on my mothers side) He came in and said to drop into his work after I am done at the TV station as he has a book to give me. I went into the studio and they asked me the questions and filmed me for the TV show and then my dream changed. I was wondering what is meant.

I first gave it to a person that is very gifted and it is a paid dream interpretation site. She has many years experience in doing dream interpretations and this is what she said:

Dream meaning

A ‘popular TV show’ indicates that you will soon be in the public eye. You will be seen and observed by all types of people. Your ‘cousin’ could represent a himself or someone who has knowledge (a book) to impart to you. This knowledge will be gained in the ‘work’ place. Some ‘questions’ asked you will be spiritual in nature. You will give the correct response. I believe that you are a gregarious person or will soon be one. God had much ahead for you.

My Feedback on Paid Dream Interpretation

I am soon to be in the public eye.

At present about 1000 people a week watch my YouTube videos, 4000 people a week read my articles. You could say I am already in the public eye. But, from the age of 14, 29 years ago I have wanted to preach in pulpits. Tomorrow I preach for the second time in my church and I feel that in coming months I am going to start to get invites from other churches.

You will be seen and observed by all types of people.

I take this to mean that I am going to have the opportunity to be seen and heard from all sorts of Christians, both the pentecostal and the traditional.

Your ‘cousin’ could represent a himself or someone who has knowledge (a book) to impart to you. This knowledge will be gained in the ‘work’ place.

I am always on the lookout for people to give me knowledge and will be looking forward to this. I also have made contact with people who can type up a book I made in video segments and I feel the book in my dream has to do with that also.

Some ‘questions’ asked you will be spiritual in nature. You will give the correct response.

Part of some of the teaching I hope to do in the future will include doing teaching on the prophetic and I expect there to be many questions from the people I will be teaching.

I believe that you are a gregarious person or will soon be one.

I am this sort of person.

God had much ahead for you.

I have big visions and dreams and it seems God has got all of this in his plans for me.

The Free Christian Dream Interpretation

Hi,

My name is Jeanette and I have been asked to seek the Lord regarding your dream –

I had a dream I was going on a popular TV show to be interviewed –

Television is the eye gate of knowledge/good/evil- reflection of self – prophetic vision. (Numbers 24: 16) Being interviewed is the doorway of expression.

As I was waiting to be interviewed my cousin came (he is about 3 years older on my mother’s side) He came in and said to drop into his work after I am done at the TV station as he has a book to give me.

Waiting is a period of time for preparation, Cousin is symbolic for a “spiritual relative” (Ps68: 6,) and the number three is the number of Holy Spirit and resurrection. Mother is this case represents the church (Gal 4:26) Book represents words (Luke 3-4)

I went into the studio and they asked me the questions and filmed me for the TV show and then my dream changed. I was wondering what is meant.

Studio symbolism the place of “putting it together.” – creating the picture.

Conclusion: The dream is saying that you are being positioned by the Holy Spirit. He is calling you to a time of preparation which He will reveal the Living Word to you and Holy Spirit is imparting prophetic vision to you, He is “opening your eyes to see”. At the appointed time, He will open up a platform for you to share what He is teaching and showing you prophetically.

My Feedback on free dream interpretation

Television is the eye gate of knowledge/good/evil- reflection of self – prophetic vision. (Numbers 24: 16) Being interviewed is the doorway of expression.

There is so much in this. Although this lady knows me personally she did not know that this dream request came from me. So she was not aware that I was a prophet. The dream told her that. I love being asked questions and she says that it is the doorway to expressing myself which I am very comfortable with.

Waiting is a period of time for preparation, Cousin is symbolic for a “spiritual relative:” (Ps68: 6,) and the number three is the number of Holy Spirit and resurrection. Mother is this case represents the church (Gal 4:26) Book represents words (Luke 3-4)

God keep on telling me that I am in a waiting period. A time of training and time to prepare for my full time ministry. Having the Holy Spirit comes up is significant as he always leads me what to preach on your tube and on articles. I am to preach to the church, that is I am called to minister to the body of Christ as a Teacher/prophet. You see that this description gives me insight into my destiny.

Studio symbolism the place of “putting it together.” – creating the picture.

I have many irons in the fire, a YouTube channel with 700 videos, articles with nearly 700 articles, and a prophetic website, a blog and books getting made. I feel that soon they will all be coming together.

Conclusion: The dream is saying that you are being positioned by the Holy Spirit. He is calling you to a time of preparation which He will reveal the Living Word to you and Holy Spirit is imparting prophetic vision to you, He is “opening your eyes to see.” At the appointed time, He will open up a platform for you to share what He is teaching and showing you prophetically.

As I said before my articles and YouTube videos are being selected by the Holy Spirit. It is good that the Holy Spirit is getting me into the right position to minister. This is very comforting that the Holy Spirit is directing me.

The Holy Spirit is calling me to continue in preparation which I know to be more reading of the word and more ministering and “practice” The Holy Spirit is really giving me a vision of where I am to go and where I am to take people. He indeed is opening my eyes to see what is before me and what is before the church in these times.

What I like the best, is my dream says that at the appointed time God will open up a platform for me to speak about what He has been showing me and teaching me. I have so much I can impart and am bursting with excitement for the day that i will get to share the things I have to share.