SOLVING MARITAL PROBLEMS

Problems in marriage are inevitable and they will continue to arise. As marital couples start out in life, they would begin to realize differences that may not be there during courtship. Differences in feelings and approaches to life would suddenly surface and create problems in the home. Many homes break or love waxes cold when couples are not able to deal with their marital issues.

There is no problem free marriage and old coupes who had remained married for decades would still say they disagree many times. Solving marital problems is a decision that couples should be ready to make and adhere to. Below are ways to solving marital problems.

1. Talk About It.

It is always tempting to ignore each other at the first sign of a problem but that is not the wise path to follow. Ignoring the realities of a problem does not make it go away but makes the root of that problem grow deeper into the soil of the home. It is best to face reality and talk about it, no matter how impossible it seems. When partners in marriage fail to talk about their problems, it may lead to lifelong bad feeling for each other.

Tell your partner how you feel about what had happened. The first time you discuss a problem may not lead to the solution but couples should not be discouraged. Only continuos dialogue will lead to a lasting solution to marital problems that arises in the home. Specific times must be set to discuss about the problem with the aim of finding a solution.

2. Be Ready To Listen.

No tangible solution will come when partners are not ready to listen to each other. This happens in heated arguments and these arguments are the hardest to mediate. If one is agitated, the other has to be calm. If one is shouting, the other has to be silent. If one is talking, the other has to be able to listen patiently and to really understand the message being passed across.

It can be tempting to want to interrupt when we feel that what is being said is not true or the other person is being unfair. Interrupting will only lead to more agitations and bad feelings. Even when a discussion breaks down, it should not be an opportunity to stop talking to each other. Still talk to and respect each other's feelings.

3. Stick To Your Decisions.

It is important to arrive at a decision or a solution to a particular problem but it is more important to stick to that decision. Making a decision is easy, but carrying it out steadily is the hard part of it. It is never easy when it comes to the issues of marital problems. It takes much hardwork and consistence to follow through on a solution and make sure that marital problem don't surface again.

Solving marital problems is teamwork. Always look forward to the future of a marriage than the present problems. Bringing up past problems will be a constant weakness to a marriage. Cooperating couples would always overcome any marital problem and have an overall happy marriage.

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WHY STUDENTS FAIL EXAMINATIONS

In the past, academic failures were thought mainly to be a function of unseriousness or lack of preparation of students, but today studies have shown that why students fail examinations goes beyond lack of preparation or unseriousness. In my own personal research and experience, I have found out that brilliant students could fail when supposed dull students are passing exams.

I discover that why students fail exams can be divided into two categories. The INTERNAL and EXTERNAL factors.

INTERNAL FACTORS

Internal factors are the one's that has to do with a particular individual. Exam failures in this category could be said to be caused by the self.

1. Lack Of Preparation.

This is the major internal cause of examination failure. This factor is relative, meaning that it could affect all categories of students, whether they are brilliant or not. A genius who fails to prepare for an exam would most likely fail and a slow learner who prepares would most likely pass.

Academic activities should not only begin by attending classes but should end by personal and intensive study. Examinations are only once in a term, semester and sometimes a session and no student would have a genuine excuse of not being able to prepare well. Students fail examinations when they don't prepare. No matter how small the preparation is, there is a higher likelihood of passing, even if it is just the threshold of the pass mark.

2. Unseriousness.

Some students simply don't care. They won't attend classes. They won't do assignments or group tasks. They would go late to class. They find it hard to read or study. Unseriousness is a bad thing in academics. Many students get so unserious to the extent of not even caring about the outcomes of their unseriousness.

Many unserious students tend to also have unserious friends who won't make them do the right things at the right times. Unserious students find it hard to be able to balance their social lives with their academic lives. Infact, they don't even care. Unseriousness is another reason why students fail examinations.

3. Fear Of Failure.

A lot of students suffer from this. They are always already scared of failing, even before they write the examination. Fear of failure is something that affects the emotion and psychology of students. Truth is, examination is inevitable in academics and if you are in school, you must be prepared to face exams with boldness.

Fear is a state of the mind and attitude towards something, in this case, examination. Fear of failure will affect a students study, assimilation and overall preparation.

4. Examination Phobia.

This phobia is the last minute tension that students experience before an examination. It could be likened to the surge of adrenaline that Usain Bolt would feel before a 100 metre race. Every student has examination phobia. The better and the poorly prepared students both have the same tension.

What makes the difference is how this tension can be overcome before writing an exam. Tension will lead to lack of coordination and also leads to forgetting easily what has been read.

5. Pressure To Pass.

Many students fail because of the pressure to pass. This pressure could come from themselves, from parents, from friends, lecturers or even the department. When there is no healthy competition between students in the same class, department or faculty, it then leads to pressure to pass.

Academics should be seen as a healthy competition and the excessive notion of wanting to pass mainly to please people should be discouraged totally.

EXTERNAL FACTORS

1. Inadequate Teaching.

The process of teacher-learner interaction is one of the pillars of academics. It is important, as most of the times, students won't understand what they read by themselves only. They need the teacher or instructor to make known or explain unto them the meanings of what they had read or are going to read.

When teaching is not adequate, students won't understand and when the exam question comes, you can only imagine what would happen. Questions become so strange like they were not part of the subject. They are, only inadequate teaching made it so.

2. Deliberate Failing.

In my part of the world, some lecturers could deliberately fail students and brag about it. Many students keep failing some courses, not because they were not brilliant or not, but because they had not given in to some demand by the instructor or teacher.

Many students fail yearly due to this and it seems no really strong advocacy is on ground to curb and eradicate this negative academic trend. Many students even fear to report because of the dire consequences of it.

8. Others.

A whole lot of other factors fall under this category. Serious sickness during exam time could make a student fail an exam, depending mostly on the policy of the school. Lateness to examinations could amount to not having enough time to answer questions. Exam malpractice is also a strong theme in failures in exams.

A whole centre could be failed if too many malpractices happened there and innocent students could also suffer from the consequences of this. If this post have be helpful, please share. Thanks.

THE FIVE CARDINAL POINTS OF INVESTMENT

When investment is being talked about, it isn't about having some cash somewhere and just rushing to put that cash into something and hoping it would profit. Many people have become bankrupt just doing that. Investment and investing has to be approached holistically and should be tailored around history and recent trends.

Even though there are several types of investment opportunities, in this post, I am going to talk about the five cardinal points of investment. When I say cardinal, I mean that historically and economically, these investments usually don't fail. These investment opportunities have proven to be lucrative again and again for any investor going into them.

1. Precious metals.

For over two thousand years, man has been investing in precious metals, especially gold and silver and today, wise investors are still diversifying their investments in gold and silver investment. Precious metals are used extensively in the manufacturing industry and I still don't envisage a time when it would loose it's value.

Gold and silver investments are lucrative because historically, they are not affected by inflations or economic meltdowns. They serve as an edge against physical money. This means that when money fails, which it always does, gold and silver are always used as bailouts till money picks up again.

They serve as store of value and wealth. This means that they are money in metal form and they are relevant in every geographical location of the world. Precious metals investments are arguably the wisest form of investment year-in-year-out.

2. Agriculture.

This is also an important investment sector. This covers cash crops and foods. According to Abraham Maslow's pyramid of needs, food is a standard necessity of life. Everybody eats food. People can overlook a lot of other things due to their socio-economic status, but nobody overlooks food, including the rich and the poor.

This is why investment targeted in agriculture is bound to be a good one, save for natural disasters or pestilences. Agriculture is the oldest form of investment and because it is still relevant today, it made the list of the five cardinal points of investment. So far people will continue to eat and drink, wear clothes and build things with materials gotten from agriculture, it will always continue to be a lucrative investment decision.

3. Real Estate.

Shelter is important and people have to live somewhere. Infact, real estate became a political and economic system in the middle ages when Lords who had lands controlled the destinies of serfs who get the land on lease for shelter, agriculture and military service.

To show the importance of real estate, the major wars of the world have been motivated by the urge of wanting to aqcuire more land and the resources they hold. A large percentage of the richest peoples have stakes in real estate investing as it has the spontaneous ability to always increase in value and earn investors stress free passive income for life.

4. Communication.

Even before Abraham Bell invented the telephone communication was a great economic and social interaction pillar. After he did, it has opened up the world of communication to the world, making the world shrink more and more with each passing day. Like food, communication has become integrated into the lives and cultures of people. People just have to get in touch with people by any means.

Investing in communications ranges from mails to satellite calls. Investment in this sector won't fail as people won't stop wanting to get in touch with each other, whether by manual or electronic mail, calls or texting or through social and instant messaging networks. This is why the inventors of Whatsapp and Facebook would be billionaires.

5. Transportation.

Whether it is by animals or by supersonic jet, transportation is also a cardinal investment because people have always been moving, are moving, and will always continue to move from one place to another. For people to move, they have to move by some means of transportation. In any economy, the transportation industry is one of the most important sector, that is why investment in transportation is cardinal, insofar that people have to move.

These five investment opportunities have been proven historically and economically usually not to fail. So, be wise and invest in any of them. If you have enjoyed this post, please share. Thanks.

REAL ESTATE INVESTMENT: the benefits of investing in real estate

Real estate investment is one of many investments that everybody want to go into. If many investment schemes are compared with one another, it would be found out that investing in real estate definitely ranks very high. Real estate investment is able to produce a lot of stress free income for the investor.

Below, I am going to discuss the benefits of investing in real estate.

1. Long term appreciation.

Technically, real estate is one of few investments that does not depreciate. This means that the value of a property or land does not decrease in value. What it does is that it increases in value year in, year out. Only an easily avoidable mistake would make an investor loose in real estate investment.

2. Passive cash flow.

Investing in real estate leads to passive and residual income. This income comes in the form of rents and leases, or even outright sales. You don't have to work yourself up over your investments, and you could engage a team to manage your estates for you. You just invest and see the money coming in stress free.

3. Tax advantages.

The tax advantages you get when you invest in real estate are just too numerous. Your property usually would increase in value, but it doesn't mean you pay tax on this increase in value. Infact, you don't pay tax on profits until you sell your property. You could even roll over your profits into another property and avoid paying tax altogether

4. Ability to increase rents and leases over time.

In the long term, real estate investment gives you the ability to increase your rents and leases, even faster than the rate of your expenses on the property. Even though your profits are subject to income tax, it would still rise comfortably.

5. Fulfilling professional career.

Investing in real estate is a career that is almost unequalled, in terms of the massive gains that could come from it. Real estate investors are usually among the highest paid across every industry and profession anywhere in the world.

Real estate investment is the rave of the moment, and next time you think about how to invest your money, investing in real estate is a decision you are highly unlikely to regret. If you have enjoyed this post, please share. Thanks.

CUSTOMER SATISFACTION TIPS

Whether you are in business selling a product or offering any form of service to people, then customer satisfaction should be one of your top priorities. If you can master the skill of satisfying your customers, then you would be able to retain old ones and always have new ones. Customers are the best advertisers of a product or service, mainly through word of mouth. That is why you must do your best to satsify them. Below are ways to maximize customer satisfaction.

1. Let the customer know what you can offer.

In simple ways and language, let your customer know what you offer and what you don't. For example, customers may not know that a dry cleaner also offer ironing services because the dry cleaner didn't tell them. For customers who want to dry clean and iron, they may not come to you because they won't feel satisfied.

Again, if customers discover later that you offer a service that they were not aware of, and which they needed, they would feel disappointed. A simple flyer, brochure or sign board may be all that is needed for you to let your customers know what you offer to increase customer satisfaction.

2. Genuine attitude.

Whether you are communicating physically with a customer or corresponding through mail, fax or phone; you should be able to impress on your customer a genuine attitude. For customers to be satisfied, they must have the impression that you want the best for them, and not just to collect their money. When customers know this, they will keep coming back to you.

3. Give your customer top priority.

Without your customers, you won't be in business or service, so you must give them top priority. For customers to be satisfied with your services, you must attend to them first before doing any other thing. Customers hate to queue, but believe me, they will remain on that queue if they know they are being given top priority instead of being abandoned.

But if customers feel they are not being taken serious, they may leave and may never come back. Worst of all, they spread the word around if not treated well. Customer satisfaction means that customers should be put before any other thing.

4. Equal treatment.

Customer satisfaction is that feeling you put in customers that will make them continue to come back. Customers hate partiality and being biased. Whether in prices of products or in rendering services, customers value being treated in the same way. Customers hate it when a fellow buyer or client is treated far better than them. If customers know your integrity of equal and fair treatment, you may retain them for life.

Customer satisfaction goes a long way in determining the success or the failure of your business. So whenever you see a customer again, do whatever it takes in satisfying that customer. That is always what makes them come again and again. If you enjoyed this article, please share it. Thanks.

PREPARING FOR OLD AGE

Every young or middle aged person wants to grow old, but the question remains of how many of these are preparing for old age. In recent times, maybe due to the economic instabilities of the world, there is an higher increase of old people living in worse conditions. These conditions could be health, relationship, or socio-economic related.

Old age is generally accepted to be 60 years and above, but it doesn't just come suddenly. It takes about 30 years of youth and about 30 years of middle age to arrive at old age. This is why it is important to start preparing for old age as a teenager. When old age is not prepared for, it becomes frustrating and makes life a utter regret. Below are tips for preparing for old age.

1. Recognize the fact that you would get to old age someday.

If you can't admit or recognize this fact, then there is no point preparing for old age. If people don't die young or die in middle age, they eventually reach old age and this is reason enough to prepare for old age. If you can recognize this and also the fact that old age is the most important part of the stages of life, you would do everything in your capacity to prepare for it.

2. Decide to have children early.

Having children early in life is usually a great advantage that begins to help right from middle age. This does not mean individuals should have kids they can't train well all in the name of wanting to have early children. Early children is an important step to prepare for old age because by the time you get to old age, they would have come of age and probably would be on their own.

This would be a great relief on you as it is not good to be 60 years and still be raising a child of eighteen. It would be added stress. Have children early to have a stress free old age.

3. Give children the best training.

Just having children is not enough but to take the pain in giving them the best training that would establish them well in life. It is not uncommon these days to see adults with children still bothering their aged parents for finances. Even though the reason for this may not always be poor training, the best training would still go a long way in preparing for old age.

4. Have a retirement account.

A retirement account is usually the last financial hope of most old aged individuals. Imagine getting to old age and realising there is no money to fall back on after retirement. That would be a miserable old age that wasn't prepared for. Retirement accounts are monies deducted monthly from salaries which could be collected after retirement as a lump sum or monthly as salaries. Plan your future from today by having a retirement account.

5. Have a durable investment.

Apart from having a retirement account which is usually not always enough to cater for the finances of old people, it is advisable to invest in the future. There are a lot of investments that would allow for passive income during old age as the ability for physical work is no more there.

Investments like real estate, precious metals and many others are a good way to prepare for the future, as it has been proven that lack of money or insufficient money is one of the nightmares of old age.

6. Maintain good relationships.

Old age is always usually characterized by loneliness and boredom. Infact, apart from age related diseases, loneliness is a major killer factor of old people. While growing up, make and maintain a healthy relationship with neighbours, family, colleagues, acquaintances and friends. These same people are the ones who would be with you in your old age.

If you don't want to have a lonely old age and die too early, you must prepare for that old age by having a large heart.

7. Have a passion.

A passion is something which comes natural that you love doing anytime, anywhere and anyhow. A passion is like a second friend that will be with you till death. If your passion is a strenous one, you can learn or develop a less tasking one as you age. A passion could be in sports or in the arts and these are things that could be done till death.

8. Live a health conscious life.

Most old age related sicknesses and diseases are most times usually a reflection of how individuals have lived their early lives. So, right from youth, you should be conscious of a positive healthy lifestyle to prepare for old age as this will make you age gracefully. Cut all excesses, maintain a life of adequate exercise and good eating and drinking habits. This will prepare you adequately for old age.

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BEFORE YOU START YOUR INTERNET BUSINESS

A large percentage of beginners going into internet business end up getting frustrated and eventually quitting. You don't have to be one of them. Before you start your online business, I suggest five criteria to consider so you won't end up frustrated and quit before succeeding.

1. Be Prepared.

Assuming people want to start a retail shop, they go to every length in preparing for it; but if they want to go into online business, they feel they don't have to prepare. If you want to succeed online, your preparation must be rigorous as the internet is vast. You must be prepared for the time and energy that goes into it.

Read numerous books and articles on online business and get the basic things you need ready. Take enough time to thoroughly understand the internet and how it works before launching out.

2. Know That The Internet Isn't Money Magic.

The internet is not a place where people pluck money freely by a click of the mouse or a press of the keyboard. It is no joke that online businesses are generating hundreds of millions of dollars, but it didn't start that way. You should realise that even people who are making millions on the internet have had years of frustrations, sacrifice, and dedication before they started making their millions.

3. Focus On A Specific Niche.

One of the major mistakes beginners make is that they fall into the temptation of wanting to do everything they find on the internet. To succeed in online business, you have to be able to focus on an aspect. It seems painful in the beginning, but has long term gains.

The internet is too vast and nobody can do everything. What you will focus on may mostly depend on your experience, educational background, or skill. The goodnews is, no matter what your own is, the internet has a place for everybody.

4. Be Honest.

The internet is now so full of scams that it is sometimes hard to believe that anyone is still doing legitimate business. In internet business, whatever scamming would do for you, honesty would do more for you. In online business, the participants mostly never see each other, and that is why honesty speaks louder on the internet.

Dishonesty would spoil your reputation and ability to earn any serious money online. So, be prepared to do honest business.

5. Be Patient.

Lastly, you have to be able to give yourself time to gain experience from the numerous mistakes you would make. Doing online business is real hard work, regardless of what many scammers portray it to be. You have to be patient in carving a niche for yourself in that particular niche you have chosen. The internet awaits you. Go and start your own internet business. If you have enjoyed this post, please share. Thanks.

SEVEN STEPS TO RESOLVING CUSTOMER COMPLAINTS

Customers are king, and they are the main reason that you are in business. Even though customer complaints can't be totally eradicated in day to day business, skillfully resolving customer complaints will go a long way in preserving your product and service.

Customer complaints are good as they make it possible for business owners to improve on their products and services. Also, it increases the bond between customers and the service provider. Here are several steps in resolving customer complaints.

1. Listen Intently.

Dealing with customers can be very tricky, especially when they are angry. A good listening skill is needed to be able to deal with a complaining customer. Listening may not be applicable if your customer complain comes through a review. In this, you must read every review and understand it to be able to provide adequate feedback to the customer.

It is tempting, but you shouldn't interrupt customers when they are complaining, even if they are wrong. It tends to get them angry. While listening, treat customers like they are the most important thing to you at that moment.

2. Thank The Customer.

If a customer deems it fit to complain about your product or service, then that customer needs to be thanked. What if the customer had just kept quiet and left? It is unlikely they will patronize you again. A customer that is thanked for complaining would be surprised, and tend to be calm, even if angry. Thanking your customer for complaining is a key step to resolving customer complaints.

3. Apologize.

Whether customers are right or wrong in their complaints, apologize sincerely. Trying to justify that customers are wrong and you are right will only lead to more disagreements, and no tangible solution would be reached. Apologize on behalf of yourself or the company you represent to make it feel personal to customers. It is hard to apologize when you are not wrong, but with a customer, you have to do it.

4. Seek For The Best Solution.

In resolving customer complaints, don't just seek for a solution, but the best one. But it has a trap. Never profer a solution that you cannot meet. Allow your customers to suggest for solutions that best suits them. Never profer a single solution to your customer, but present options for the customer to choose. Also, you shouldn't force a solution on a customer against their will. If they are not satisfied with your solution, it will affect future dealings.

5. Reach An Agreement.

After your customers have chosen a solution, make sure you reach an agreement. Make customers very sure of the solution they had chosen. Reach an agreement that is both satisfying to you and your customers. When you don't reach an agreement, and you profer a solution, customers may turn it down, and this is not good for your company or business.

6. Take Quick Action.

After reaching an agreement, it would be so unwise to keep customers waiting while you provide solutions. This will again dissatisfy them. Prompt action must be taken, and it always wise to give customers a time frame while you seek the solution. If a solution is going to take you about five minutes, tell the customer to give you about eight minutes.

They would appreciate it more if their solutions come earlier. Never make the mistake of trying to please customers by giving them a time frame shorter than you will meet. If you will provide a solution in ten minutes, don't tell your customers to give you nine.

7. Follow Up.

The last important steps to resolving customer complaints is to follow up. Always make sure to get a contact detail of the customer to follow up after they might have left. Customers would feel important if they receive a call, an sms, or a mail checking on them to know the status of solutions provided. If you like this post, please share. Thanks.

BEFORE YOU INVEST IN REAL ESTATE

Even though it is always tempting to rush into real estate investing as it is one of the safest forms of investment, you still must be able to fulfil some conditions. Generally, it is believed that most people can succeed in real estate investment, if they are willing to put in their best. Before you invest in real estate.

1. Determine whether real estate really interests you.

You must understand within yourself whether you are just after gain, or you really have the passion for it. It is not enough that you are curious about investing in real estate, but you must be convinced that you really want to. If you are not totally convinced, it wouldn't be advisable to venture into it. If the thought of it gives you peace, then do it, but if not, wait.

2. Be financially healthy.

It is important to understand your financial status before going into real estate. You must count your costs before embarking. If you are weighed down by consumer debts like mortgages, overdraft, car loan and others; then you should consider paying off your debts before investing.

Debts would be a barrier to smooth investing, so you have to do away with them. Also, knowing how to spend wisely will be a bonus. You mustn't be spending more than you are earning.

3. Be able to create sufficient time.

Real estate investment does not work on autopilot. You have to be able to put in a lot of work which consumes time. You have to be able to devote time to investigating the best deals, engaging competent property managers and resolving tenant issues. If you think you wouldn't be able to devote necessary time to real estate investing, then it may not be for you.

4. Determine whether you can handle challenges.

In real estate investment, challenging issues will always arise. The process of searching, negotiating and closing a deal can be full of stress. Even when you eventually own the property, day to day challenges would arise. If you can handle stress, challenges, and problems, then real estate is for you. If you cannot, then a property manager would reduce the trouble.

5. Will you be able to accept fluctuations?

There is no investment advisor than can really predict the future of investments. They can only advise, based on past and current trends. If real estate is booming, and suddenly, prices starts to fall, will you be able to weather the market fluctuations. If you can answer yes, then you would do well in real estate investment.

In conclusion, you should also know that real estate investment is one of the wisest investments for today. If you have enjoyed this post, please share. Thanks.

THINGS TO KNOW BEFORE YOU ADVERTISE

Having a great brand or service alone is not enough to sell that brand or service. Every manufacturer or service provider would want to make their brand or service widely known and accepted. This is where advertising comes in, and this has now become a business culture with billions of dollars spent yearly on it.

It might be true that you have a great brand or service, but just before you rush into advertising, critically consider these factors.

1. Perfect The Standard of Your Product or Service.

The aim of advertising is to get your product or service to a wider audience. This wider audience could be geographical or economical. A substandard product or service being advertised is only asking for disaster. It is better not to advertise a substandard product or  service than to do so and prematurely kill the potential of it.

Before advertising, be sure the product or service you offer is of high standard, and can compete with others in the same niche.

2. Do A Product Survey.

If you intend advertising a product, a product survey could give you an insight of what to expect when you advertise that product. A product survey will make you know whether users would accept your product or not. It is all about sending a sample product and a simple questionnaire to potential consumers. They would use the product and fill the questionnaire. The analysis and result of the questionnaire would determine how the product would be accepted if advertised.

3. Determine Why You Want To Advertise.

The general motive behind all advertising is to create more awareness for a product or service. Before advertising, you must know why you want to do it. Advertising without a motive is like eating without knowing why you are eating. You must determine whether you want to use advertising to reach more people or to educate them about the product.

A lot of self advertising products, especially consumer goods usually aim to sensitize people about promos and discounts with their advertising.

4. Plan Your Advertising Campaign.

No matter what form of advertisement you want to adopt, you must plan from the beginning the amount of money you are willing to spend, and for how long. There are so many advertising options today, and you must be able to choose the one's that best suit your product or service. For consumer goods, it is advisable to choose an advertisement that would appeal to the public's sense of sight.

The public are mostly influenced by what they can see. Also, by working with an advertisement agency, you would be able to benefit from their influence and experience.

5. Will You Be Able To Increase Or Maintain Standard Or Quality?

Before you advertise, you must be able to envisage a positive outcome from your advertising. Determine whether you would be able to maintain or increase your standard in the long run. Increased demand as a result of an advertising campaign could be a serious test to the quality of your product or service.

You will disappoint consumers or clients if the quality of your product or service is decreasing. You shouldn't aim to sell more products or service at the expense of quality. Why? Because your quality is what differentiates you from others.

6. Will You Be Able To Meet Up With Increased Demand?

Do you have the capacity or the flexibility to increase production or deliver service when demand increases? When you can't meet up with demand, you present yourself as unplanned and unprofessional to clients and customers. And when they have that impression, they tend to leave you for your competitor, even though you may have a better product or service delivery.

Advertising should not be rushed into without first knowing some important things. So before you advertise, make sure you have fulfilled these things to the best of your conscience. If you enjoyed this post, please share. Thanks.

INVESTING IN GOLD WITH REGAL ASSETS: how it works

Are you interested in investing in gold?, but don't know yet what company to do business with. Your search is over, because in this post, I am going to share with you reasons and benefits why your gold investment should be with Regal Assets. Whether you are planning on having a precious metals retirements account, or just diversifying your investments, they are the best in the industry.

* For a start, Regal Assets is currently the only precious metals firm holding an A+ rating with the Better Business Bureau and a AAA rating with the Business Consumer Alliance. They also have over 333+ 5 out of 5 star verified client reviews with TrustLink. Also, they have also been featured in major publications like Forbes, Smart Money and Inc. Magazine. Regal Assets has been rated #20 in the U.S for financial services by Inc. Magazine and has also been featured in the 2013 investment Guide for Forbes magazine.

* In the area of investing, including retirement accounts, they have one of the fastest shipping and delivers precious metals to clients within 7 business days of account funding. This is remarkable because it takes most competitors over 30 days to deliver and as long as 90 days for retirement accounts. Even if they miss the 7 business day deadline for shipping, Regal Assets would add a free 1 oz. Silver American Eagle to the client as compensation.

When items ship, the client is notified and receives a tracking number to be able to track the precious metals right to their front door. All precious metals are sent out discreetly and are fully insured. Regal Assets takes full responsibility for precious metals until they are signed and received by the client.

* When it comes to retirement accounts, Regal Assets are the industry leader providing the best storage and fee structure as well as the quickest processing time. They store their precious metal retirement accounts with Brinks and are the only precious metals company that has segregated storage with Brinks for a flat fee of $150.00 per year. Most of their competitors start at $225.00 per year for segregated storage and typically don't offer it.

Administration fees for the year on all retirement accounts are a flat $100.00 regardless of the increase in value of the account, but most Regal Assets competitors charge clients extra money for increase in value of the account.

* When it comes to processing times, regal assets is the only company that does everything electronically, and this means clients don't have to hand sign documents. Doing business electronically eliminates many issues that their competitors run into and also shortens the transfer process. Since everything is done electronically, Regal Assets can open a new IRA account within 24 business hours of receiving a signed application form.

Their competitors take up to 5 to 7 business days to open a new IRA account. Also, when it comes to transferring requested funds from a custodian, Regal Assets typically get it done within 48 business hours.

* Regal Assets covers all first year dues for client's retirement accounts which include setup fees, administration fees, storage fees and delivery of metals. This is a savings of over $700.00 which most of their competitors make their clients pay. All retirement accounts will not receive a bill until the second year at a flat bill of $250.00. After the client locks up precious metals prices and funds their precious metals accounts, Regal Assets will typically ship to Brinks within 7 business days, fully insuring the precious metals.

With all these numerous advantages and benefits, make a decision today and invest in gold and other precious metals with Regal Assets.

CLICK HERE TO INVEST WITH REGAL ASSETS

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AFRICA, OUR AFRICA

Africa is the home of the black people, but if the black people are becoming strangers in their own lands, then what can we do? I believe it is more harder to live in Africa than even in the middle east. The middle east may be one geographical boiling cauldron, but they still have countries that could be said to be very developed, like Israel.

Africa is different. Out of the over fifty countries making her up, there is none that can be said to be a first world nation like Germany in Europe or South Korea in Asia. You can talk of countries like South Africa or Botswana, but these countries are still farther away from the worst countries in Europe.

The average african deals with an inflation rate that makes big money small and small money like nothing. In Nigeria, the inflation rate is about 18 percent. When stuffs are scarce, their prices would be high. Even when stuffs are abundant, their prices may still be high.

The african deals with a currency that is almost useless in value compared to international standard. In Nigeria, a dollar is about 365 naira. This means that a dollar in the hands of an america will buy 300 naira worth of recharge card and there will still be change. No american sweats to get one dollar, but many africans don't even earn one dollar in a day. So pathetic.

The african deals with a system where there are almost no social palliatives. Even if there are palliatives, many africans still can't afford them. Many times, you find that it is the rich people or the friends of politicians who can even afford these palliatives. That is why in africa, you find so many big business thriving on the grounds of monopolistic concessions. The banks? They don't give loans to ordinary people. They never do that.

The african deals with governments that don't offer them anything. Truth is, it can't always be the faults of the politicians. Many of them are elected by the people. This makes me wonder where africans put their brains when they are voting. When people vote rightly, no election rigging would entrench unwanted people in leadership positions.

Many africans prefer to criticize politicians, but they themselves won't get involved in it, even if they believe they can make more difference. Many times in africa, elections are between bad choices. I mean all the contestants would be bad choices, but people still have to vote, so they vote for the lesser evil. Who then do we blame? The people or the politicians? We blame the people. Why? Simple. The politicians are not aliens and they come from the people.

Today, more africans are leaving africa than any continent in the world. They want to go to Canada and the USA, especially USA where they feel they can live better lives. Who can blame them? If africa is conducive, with a low inflation like G8 countries, better currency value and other good things, nobody would be wanting to run away. I use run away as many africans don't intend returning.

Many times, you would wish you were not african, but now that it can't be changed, we just have to keep hoping that our hope is not a waste of time. If you have enjoyed this article, please share. Thanks.

THE STAGES OF LIFE

Life as is known is not one stretch of living. Life is divided in phases and periods. One phase doesn't last forever and only leads to the next one. How well an individual maximize a stage may determine how well the next stage might be. These are the stages of life.

1. The Stage Of Fun.(Birth to about 29 years)

This is the period from childbirth to about the end of youth. This period is divided into childhood, teenage, and young adulthood. This is called the age of fun because the approach to life is always weak. Most times in this period, individuals live a life of freedom and may lack resposibility.

Decisions in this stage are made mainly without regard of the consequences. Actions are carried out without thinking of the outcomes or implications of the actions to family and society. Because of all these weak approaches to life, individuals may lack little or no power of deep reasoning. It is also important to note that lifelong mentalities and philosophies are usually formed at this stage. Also, careers are usually determined at this stage and talents and gifts are also discovered.

2. The Stage of Reason.(About 30-59 years)

This stage encompasses adulthood. At this stage, youthful exuberance would usually had worn away and the realities of life has set in. This is usually a time when individuals get married, start working and also raise children. There is usually a high sense of responsibility to family, society, work, and religion and the effects of decisions are considered before making and implementing them.

This is the stage when men usually achieve or don't achieve the dreams or goals they set during the age of fun. At this stage, old habits(usually bad habits) are dropped and replaced by new ones(usually good ones). Dreams, aspirations and goals are still vigorously pursued at this stage, and making or having more money is usually the top priority of individuals. In the stage of reason, individuals usually regret the mistakes they may have made in the stage of fun, and may wish there is opportunity to go back and live it right.

3. The Age of Reflection.(60 years till death)

This stage is more of reminiscing about the past than looking forward into the future. This is the time when most individuals retire from working and the power and strength to work has greatly diminished. The approach to life is usually balanced and loneliness and boredom are usually the biggest nightmares of this stage. Individuals reflect on the lives they had lived from birth to that time, drawing strength only from good memories.

At this stage, individuals usually talk more about their lives and want to know more about what is going on locally and globally. Also, individuals tend to think that this stage should be used to heal old wounds, forgive people who had offended them and seek for forgiveness from people they had offended in preparation for death.

Whatever stage of life you are, I hope I am close to the truth in describing it. If you have enjoyed this post, please share. Thanks.