Posts tagged big picture

Payday Cash Loans – Say Good Bye to Small and Big Monetary Problems

Payday cash loans can be availed to satisfy any small or even big requirements. Going online will provide you with a big picture of how to look for the most ideal lender and apply for such a fund. Your time and money is not eaten up thereby making them an effective and convenient monetary tool

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CHART OF THE DAY: Americans Have A Serious Household Net Worth Problem

The state of U.S. household net worth is dismal, as this chart (via The Big Picture) shows, with the country falling back to levels last seen in the late 1980′s and early 1990′s.

This collapse happened once prior, after the deflation of the dot com bubble. But now, as a result of the housing bubble collapsing, household net worth has fallen even lower.

The rebound after the dot com collapse was dramatic. The rise from 2009 lows has been less pronounced, with it clearly slowing in 2010.

We are only back to levels first reached in the early 1990s.

From The Big Picture:

chart of the day Household Net Worth As % Of Disposable Personal Income, 1952-2010

Now check out the Fed charts that show the true nightmare of our economy >

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Check Out Goldman’s Bullish 12-Month Guide To Commodities

lloydblankfeinflat tbi

After yesterday’s mediocre earnings from Goldman Sachs, you’ve got every reason not to take this 12-month outlook as gospel. There’s also the fact that Goldman’s top trades for 2010 were mostly bad advice so far. And you always know Goldman could be trading against you.

But Goldman’s outlook is still the one you really want to see.

The big picture is long for equities and long for commodities. We’ve got Goldman’s comments on every major commodity (via Dian Chu).

Click here to see the guide >

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Forget The Selloff, An Investment In US Equities Over The Last Two Centuries Did AMAZING

A great chart from Bianco Research found at The Big Picture is a reminder of just what an amazing investment US equities have been over the last 200 years.

Click here to see the uber-large version.

chart

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Chapter 7 Bankruptcy Information: Nice And Simple

So what are the primary considerations to bankruptcy? What you can do is to assess for yourself (at first) your financial status. You can write down your debts and credit accounts and total them to see the big picture of just how much you need to pay. Then you list down sources of your income and deduct…

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The Big Picture: Essential Business Lessons from the Movies

ISBN13: 9780971154285
Condition: NEW
Notes: Brand New from Publisher. No Remainder Mark.

Product DescriptionMovies are magical. They can release us from the stress of everyday life. But movies also contain valuable lessons to improve the way we do business. In their entertaining new book, The Big Picture: Essential Business Lessons From the Movies, authors Kevin Coupe and Michael

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Here’s Why The Market’s Crashing

Europe Marge Simpson

Everyone thinks Dick Bove is spreading rumors via IM.

Keep reading at The Big Picture >

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Refinancing Home Mortgage Quotes – 4 Effective Tips to Find Best Mortgage Refinance Rates Fast

When you encounter home foreclosure trouble over your failure to service your home mortgage loans, the most viable and effective way to deal with this predicament would be mortgage refinance! It is easy to find refinancing packages out there for your homes, yet to locate the best mortgage refinance rates is not as easy, unless you understand how and where to look for them! And you must always keep in mind that those lenders that offer the lowest interest rates aren’t always the best out there, instead you must be prepared to look at the big picture, and consider the overall deal instead of just the interest rates that are offered. The flexibility of the package is extremely important as well, in addition to the level of customer service that the company that you are dealing with possesses.

So how can you obtain the best mortgage refinance deals out there with ease? Let us now look at tips of how to find the finest packages out there that would help you put an end to foreclosure trouble once and for all:

  1. Conduct plenty of research and scout around! You could either conduct your research online, or ask your friends or relatives that have dealt with mortgage refinancing firms out there to gain an insight on how efficient the companies are. But the key is to have as many options as possible, the more your options, the higher the chances are of you garnering the best deal out there to refinance your home.

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Become a Star Employee by Thinking Like an Entrepreneur

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If you’re wondering if there’s a way to really make a job recession-proof, there is. Yes, a large part of it depends on your industry and whether or not it’s expanding or shedding jobs. However, even though you might not have control over the decisions your company makes, you are in control over how you do your job.

Years ago when I was in my first real corporate job, I remember hearing that employees should be more entrepreneurial in the workplace. It didn’t make much sense to me then. I couldn’t see how you could be both an entrepreneur and an employee. As far as I knew, an entrepreneur ran a business, and that was not the same thing as having a job.

Now that I’ve had experience in both worlds, I can understand how employees can benefit by bringing entrepreneurial thinking into their work environment. In fact, during these times, there’s a big advantage to companies to have their employees more invested in their work. Though in some workplaces, employees may not have the impression that their efforts really matter, engaged employees are more productive. It’s not hard to understand why. If you care about your position and the company, you’re going to do more to make it successful. That certainly would be good news for a lot of businesses.

Your Attitude

It’s easy to have negative feelings on the job if there have been a lot of cuts in personnel and you’re left to pick up the slack. An attitude change may be easier said than done. So, you have to look at the big picture.

Entrepreneurs start out with a vision of what they want to create, whether it is a product or a service. As an employee, your vision is just as important. What is your vision for your career? Do you see opportunities for advancement? If you look at the big picture, you can see that by improving the bottom line you’re also contributing to the overall success of the company. That means that your efforts are extremely important.

Be Creative

Another trait of entrepreneurs is the ability to find creative ways to get things done. If a small business owner doesn’t have funding or has to wear multiple hats, they have to find alternative ways to accomplish the tasks required to run their business. I’ve worked in companies where no one wanted to change because “we’ve always done it this way.” In an environment where change takes a long time to happen, you may hit resistance to new ideas. If you’re in that type of workplace, pick your battles. If you can make a change in how you do something and be more productive in your own work, then that can go a long way. Just because there’s been only one way to do something, it doesn’t mean you can’t try another way.

Keep an Open Mind

A most important trait of entrepreneurs is the ability to learn new information and to continue to adapt. The business idea you came up with in the beginning may need tweaking or a major overhaul as time goes on. You have to be ready and willing to move quickly when you see new opportunities.

For many people, this may be the toughest thing of all. If you’re in a job where you’ve been for many years, it can be tempting to be comfortable in your accumulated knowledge. On the downside, many employees are finding that once they leave their jobs a lot has changed in the outside world. They may not have kept up with new skills or continued to learn. If you are current with certifications or degrees, then you’ll not only be an asset to the company, but you’ll be helping yourself as well. The more knowledge you have, the more attractive you’ll be as an employee. People who stay current will be in a much better position to advance or take on other roles within the company. The more you learn, and show that you’re willing to keep learning, the less likely you’ll be looked on as someone who’s stuck and unwilling to change.

Thinking like an entrepreneur is not just for business owners; it can benefit employees as well. Your company is not just your employer, but it’s also a place where you’ve made a major investment of your time and energy. Being entrepreneurial in your workplace will position you as an asset, as opposed to being seen as someone who can be easily replaced.

Guest Post Blurb: 

This is a guest post by Deborah Bailey, author of Think Like an Entrepreneur: Transforming Your Career and Taking Charge of Your Life. With a background in human resources, employee and executive coaching, and hiring strategies with companies such as Lucent, AT&T and Johnson and Johnson, Deborah helps clients get ‘unstuck’ in their professional lives by adopting the entrepreneurial mindset. Read more articles by Deborah:



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Do not be shy about debt relief tax

Do you know how much money you actually waste on interest? Does it seem like your credit cards go up on interest each month and each time you pay the minimum payments it doesn't ever seem to go anywhere? It's a familiar feeling for most of us nowadays. Can tax debt relief be a solution? Sometimes, though, like most things in life, grabbing your debt by the horns and facing it dead on can make a huge difference on the big picture. While there are only a few ways to become Debt free, look at the

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How to Set Up a Trust

Bit insurance is utterly important. May be not for the person buying the big picture but whereas the central and loved ones of the person. As soon as you understand terms associated with life insurance, it becomes clearer and easier to follow through.

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What In the World Is HAFA?

What’s happening in the housing market? What’s being done about it? Learn about the government’s new HAFA program, providing foreclosure avoidance options including short sales and deeds-in-lieu of foreclosure. Here’s the big picture, clearly explained.

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Why You Should Consider Stepping Back Before Moving Forward

Forest Steps

What would happen if you took a step back from your current life? If you just observed and removed yourself from the chaos would your perspective change? Well, you’d probably be on vacation ;) , but seriously, if you could take a month to step back, unplug all your electronics and reflect on what it is you’re doing, what would happen? Stepping back to look at the big picture and clear your thoughts can actually be one of the best ways to make sure you’re on the right path and continue to move forward.

“In three words I can sum up everything I’ve learned about life: it goes on.”
-Robert Frost-</blockquote

Over the past two weeks I’ve been pretty absent from this blog. My 30 days 30 nights challenge remains on the back burner (It’ll be restarted in the next few days and into next month) and I a lost quite a bit of steam, mostly by conscious choice and physically stepping away. I could feel myself getting a bit burned out and I had friends stay with me a little over a week so I took a step back from the blog. Stepping back allowed me to gain a broader perspective of what I was doing, and what life was like again without spending hours in front of my computer. It also showed me what happens in my absence… life goes on.

What happens in a world without you?

The world won’t stop turning the moment you take a break from it. Traffic will still keep flowing, people will still have babies, and the same TV shows will be on every night. Admit it, it probably makes you a bit sad to think like this because you realize that your life in the big scheme of things is only one in seven billion. Each of us do make a difference, but in relative terms, a tiny one. Since we touch a select few people in our lives and aren’t missed by the majority this can give you incentive to do whatever you’d like because in reality the world will still keep going on. If you quit your job, someone will replace it. If you sell your business, the new owner will take care of it. If you end a relationship, it there may be new ones to take it’s place. If you embarrass yourself, people will forget. If you don’t blog for a week, people will also forget ;)

Stepping back for a week, month, or even year will not alter the fate of the world dramatically, but it could alter your perspective dramatically. In several careers they call this a sabbatical in which the professional takes a significant chunk of time off to recharge their batteries. I think having one sabbatical is not enough and prefer the ideas of Tim Ferris with mini retirements of several months throughout your working life. Considering the pace of life we currently live, stress and burnout happens A LOT, so stepping back should be part of the routine.

Why would you want to take a break?

To recharge, to clarify why you’ve been working so hard, and to clear your mind. When you talk to an employer about why you took that year off to buy your around the world ticket or enjoy the little things in life for a year you can simply say “I took that year for myself to build my character and become a more well rounded person.” If that person is too short sighted to understand, would you really want them as your boss anyways?

Stepping back will also give you an opportunity to discover whether or not you truly enjoy what you’re doing. Even if you’re following your passion you could probably use a break from it from time to time. However, if it’s something you really enjoy you’ll be itching to get back at it withing a relatively short period of time. That’s how I felt about blogging. A week or so was enough time to clear my head and now I’m ready to consistently blog again for another chunk of time. Without the break I would’ve been less motivated to continue.

Why online businesses may be one of the better choices to take a break from.

As a side note I reconfirmed why I love online as a business platform since a lot of the processes you use online can be automated. Posts can be scheduled, auto responders still work, traffic still comes, and backlinks remain (or even grow while you’re gone). While I took my break people still followed me on twitter, I received several guest posts, and traffic remained steady even though I probably put in less than 10 hours over a 10 day period. You probably won’t grow your online presence much if you’re gone, but you may only need to put in minimal effort for it to remain at it current level, primarily because of its established backlinks and following.

Don’t be afraid of stepping back

If you feel a bit burned out with work or even dealing with your finances it won’t come crashing down if you step back for a week, or even a month. Take some time to inhale, let your subconscious mind work and rekindle your passion by removing yourself from the situation completely.

How often do you take a break from work or commitments?

Do you think stepping back is necessary to stick with something over the long haul?

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Letting Go, Finding the Right Fit and Taking the Time to Train

Potty trainingLast week, I defined a TEAM as any two or more people working together to accomplish more together than one person can accomplish alone. Since there are so many examples of teams, I am not focusing on one way but the principals involved that will apply to any size or shape.

Letting Go

REALTORS like to be in control. Letting go and trusting people to perform and treat your clients the way you do is not easy.However, it is possible. You can not be everywhere and do everything if your business is going to continue to grow. Something will suffer, your marriage, your family, your health, or your clients.

Knowing your strengths and weaknesses and what you love to do is important when you begin to realize you need help. I am not a detailed person but more of a “big picture” person.  So I hire to my weakness which is a person who enjoys all the little details.

When I hear agents complain they are over-whelmed, I encourage them to hire someone to help them even if it is part time.

What I often hear is, “I can do it faster myself.”

Yes, you probably can do it faster but all those little ‘faster myself’ tasks add up.

Trust & Training

When you first hire your new assistant you have high expectations the person will do a good job.  However they can only fulfill your expectations if you invest in training.

Training a new person takes a tremendous amount of work. You cannot expect a new team member to automatically know how to do what you do according to your standards and objectives without training them.

Some agents in my offices over the years, played Russian Roulette with all the assistants they keep going through. What I saw after observing this for years was the problem was not the new person but the REALTOR not spending the time in the beginning to train them.

The Right Fit

I got lucky when I hired my first assistant, as Gary Keller had yet to write The Millionaire Real Estate Agent and I went with a “gut” feeling.  We worked together for the next 16 years. The next assistant I hired was very competent, and had previously been a assistant on a local real estate team, so I “assumed” very little training would be necessary.

Boy was I wrong.

Over the years, I have learned to use the online DISC test before hiring any team members, but because of this persons prior experience I neglected this.  The DISC is a diagnostic test that reveals insights into a person’s personality.

If and when there is something wrong on a team, everyone knows on the team knows it. If you as the team leader put off dealing with it, you will risk loosing the respect of the whole team.

Letting someone go, is not easy for me. It is not in my nature to hurt people but I had to step up and do it for the benefit of the whole team.

Immediately, the joy and synergy of the team came back.

Empowering Them

Every person on a team needs to feel valued. If you are micro-managing  (note the operative word here is micro and not managing) a team member and not allowing them to excel in their strengths they feel insecure, unsure and unfulfilled.

If you hire the right person, and train them properly, let them go and empower them they will take pride in their work and know they are a valuable asset to the team.  You will be free to do the activities in real estate you love and will have more time for your family and personal life.

Building a team takes a tremendous amount of work.  The key things to remember out of this post:
1)    Hire the right person
2)    Train them properly
3)    Let them do their jobs, manage but don’t micr0-manage

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Currency Trading and Forex 100 Success Secrets – 100 Most Asked Questions on becoming a Successful Currency Trader

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This book hits the mark, it is perfect for getting the big picture view of Forex trading. Not only does it cover the technical and fundamental aspects that a successful Forex trader needs to know, but it covers the other… More >>
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Currency Trading and Forex 100 Success Secrets – 100 Most Asked Questions on becoming a Successful Currency Trader

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Gold Stocks, Silver, Oil, Natural Gas & SPX Peaking?

The market continues to whipsaw traders out of positions as volatility rises. I mention a few charts to explain where each of these commodities are trading. My Gold Stock Breakout Model – Monthly Chart I use this chart to keep my big picture trades on the right side of gold. I found that gold stocks [...]

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Trading Forex Markets in a Volatile Environment

The value of the U.S. dollar is the key to many commodity market outlooks, but what is the future of the dollar and the prospect for other major currencies?

Economic outlook and the big picture
How that outlook can affect the U.S. dollar
The U.S. dollar’s impact on other currencies
The U.S. dollar’s impact on other major markets



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