How Much Do You Charge For "X"?

 This is a question that comes up a lot on sales calls and one that you want to handle with care. As I've stated in other posts, questions are always driven by thoughts and never happen by accident. There is always a "context" from which the questions come and your ability to understand the context will improve your odds in developing the right answer. When I suggest that we work to create the "right" answer I don't mean that we are trying to fool anyone. Frequently, when we are addressing questions there are multiple answers and we just want to make sure that we have a higher likely hood of picking the right one.

In relation to price questions, it is always important to answer the question "in context". So usually, in order to understand the "context" in which the question was asked you'll need to ask more questions. Also, you'll often find that the question "how much do you charge" is really not the real question. Starting a dialog with the prospect about what they want will move them away form price and get you better information. Using a "reflector" or reverse will help you understand the real question.

Of all of the "reflectors" or reverses that we teach in relation to price one of the simplest has turned out to be one of the best. When asked about price try "...it depends". This simple phrase has an uncanny way of handling an awful lot of the price questions you'll get. Price often depends on a lot of things like:

When do you need it?

How many do you need?

What kind do you need? (good, better, best?)

Another great reflector, particularly effective on the telephone for inside sales people is "while I'm looking it up did you select that item for a reason?". Often times prospects calling in for a price on an item, hear it... and hang up. Engaging the prospect and getting better information will not only help you build rapport but eliminate a lot of those "get a price and hang up calls".

2 Types Of Graduate Loans

 Normally, graduate students pay for tuition fee more than undergraduate. Therefore, the main purpose of graduate loans is to help fund their education. There are two venues in which graduate students can obtain graduate loans: the government and private entities, (who provide alternative graduate loans). Each of these is discussed in more detail below.

1. Government Graduate Loans 

This type of loan is the same as undergraduate loan. The only difference is name. Like undergraduates, graduates have the opportunity to get a Stafford or Perkins loan from the government. 

Stafford graduate loans are available to any graduate student regardless of their financial situation. Two types of Stafford graduate loans exist: subsidized and unsubsidized. The difference in the two lies in who pays the interest. For subsidized Stafford graduate loans, the government pays the interest. Students pay for the interest in unsubsidized Stafford graduate loans, though there is the option of not having to make payments until after graduation. 

A Perkins graduate loan is available to students who demonstrate financial hardship. It has an interest rate of only 5 percent and can finance up to $4,000 of the graduate student's education. For graduate students who are adversely limited economically, the Perkins loan is not a bad option. However, one must keep in mind that payments are still expected to be received promptly and perpetually. In extreme circumstances it is possible to request a deferment on loan payments until one is able to pay normally.

To apply for either the Perkins or Stafford graduate loans, one must submit a FAFSA form to the government. When the form has been processed the government will send a SAR (Student Aide Report) which will give further instructions on how to apply for these loans. 

2. Alternate Graduate Loans

This loan has also been known as private graduate loans, are loans funded by non-governmental entities. Companies offering these loans could be banks, credit card agencies or any other enterprise interested in helping graduate students secure student loans. The Education Resources Institute (TERI) is an example of a company offering this type of loan. It is called the Act Graduate Student loan program. The application can be filled out online at http://gradloans.com. Decisions are received in as little as 15 minutes. 

You can first try to visit websites of all the major banks because many do offer student loans services. Or you can use a search engine by typing the name of banks you know. Some banks will even offer graduate loan comparison charts to help their customers see how their loans stack up against the competitors. These charts can serve as a further aide in researching graduate loans.

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2 Ways to Start Burning fat Quickly

  Start Exercising first thing in the morning.

As soon as you wake up in the morning workout for at least 30min to an hour. Studies show that working out in the morning has been shown to burn up to 3x as more fat as opposed to working out at any other time during the day. Here’s Why:

During the day your body’s main source of energy is the carbohydrates that you get from eating your meals. As you sleep at night for 6+ hours your body uses up all those carbohydrates as energy for various bodily functions that go on even while you sleep. When you wake up in the morning your body doesn’t have any carbohydrates as energy to use and it will look to burn body fat instead for energy. 

For you to take advantage of this morning fat burning opportunity you have to exercise first thing in the morning. Don’t eat breakfast because if you do you’ll just give your body some carbohydrates as a source of energy instead of the body fat that you want to burn for energy. 

Another great thing about working out first thing in the morning is that your metabolism gets revved up after your morning workout. Morning workouts keep your metabolism elevated throughout the day. An elevated metabolism throughout the day only means that you’ll burn more calories and lose more weight. If you workout at night you may still burn fat while you workout but as soon as you go to sleep your metabolism will slow down and you’ll miss out on all the extra fat that you can burn during the day if you had exercised in the morning. When you sleep your metabolic rate is always at its slowest.

Other reasons why its good to exercise first thing in the morning is that you get the workout out of the way, and working out in the morning will also reduce your level of stress throughout the day.

Advanced Tip: Want to burn even more fat? Add another workout to your daily routine 4-6 hours after your morning workout. Keep your already high metabolism higher by adding a 2nd workout during the day. If you're seriously thinking about adding a 2nd workout to your daily routine then try to do your cardio workouts in the morning. Mostly fat calories are burned doing cardio at a moderate intensities. Make your 2nd workout of the day a workout with weights. Mostly carbohydrate is burned doing weight-training workouts. The muscle that you build from weight training will also help you burn fat. 1lb of Muscle burns 50 calories a day or 1lb of fat every 70 days. Not only will you be burning more calories, you’ll look better – whatever your weight is.

2. Eat Breakfast

Another way to keep your metabolism revved up all day long is to eat breakfast. After you workout in the morning as discussed earlier, just have breakfast and you’ll give your body the perfect 1-2 combination to jump start your metabolism.

Eating breakfast in the morning is what gets your metabolism started. Don’t skip breakfast and wait until mid-morning or afternoon to eat, your metabolism will run slower causing you not burn any extra fat.

Think about this way-Your metabolism is a fireplace that’ll burn fat all day long for you if you operate it correctly. When you eat breakfast you are basically throwing a log onto that fireplace to get it started burning fat. 

Eating breakfast will help stop those cravings you may have later on in the day and along with working out in the morning, eating breakfast will also keep you energized throughout the day and lower stress levels.

Advanced Tip: Instead of eating only 2 more meals during the day like lunch & dinner, try to eat 4-5 more small mini-meals spaced 2-3 hours apart during the day. Remember the fireplace? By eating these mini-meals you'll be throwing just the right amount of "wood" on the fireplace to keep your metabolism burning calories throughout the day. Don't shut down your metabolism by eating big lunches or dinners, keep that metabolism of yours burning fat all day long.

Morning Checklist

Workout for at least 30min after waking up in the morning 

Eat a healthy breakfast 

Burn fat & lose more weight during the day more click here

Personal Care of Lungs Health: Avoiding Cancer

 Cancer can be in the form of many names. It can affect

even the smallest bone or muscle inside the human
body. According to statistics, the leading cause of
death in the majority of the population is lung
cancer. Believe it. Its not a surprise that our ozone
layer is being destroyed by the chemicals and
pollutants that are surrounding the planet earth,
therefore its not impossible that whoever is living
within it can be affected 10 times more.

Lung cancer is a condition wherein there is
uncontrolled growth of cells that are malignant inside
a persons lung. Persons who are most commonly
affected by this health problem are those belonging to
the age of 40 and above. Both sexes are of no
exception but this is more common in men.

One of the most common causes of lung cancer is
smoking. It is more precipitated by a persons
lifestyle. Similar with drinking alcohol, smoking can
also be influenced by factors like friends, family,
and environment. Although lung cancer can be more
acquired because of passive smoking.

Passive smoking. Also known as second-hand smoking, is
the one contributing major factor why lung cancer is
prominent. Passive smoking happens when a person, who
is with someone whos actively smoking, inhales the
smoke coming from the cigarette. It also occurs when
airborne pollutants like asbestos dust are inhaled.
Just by inhaling smoke coming out from a vehicles
muffler, you are prone to having a lung cancer.

True, sources of lung cancer are quite rampant but
there is no obvious preventive measure rather than
avoiding smoke. If you are a smoker, just stop
smoking. That will save you at least 7 minutes of your
life and live at least 7 minutes longer.

Obviously, the involved part of the body is the lungs.
Therefore, if you are experiencing signs and symptoms
which are turning severe and you know that you are an
active smoker, might as well take a quick visit to
your doctor and ask him the case of your problem. To
help you become more aware, here are the signs and
symptoms that a smoker or anyone can experience and
detect lung cancer.

- severe and permanent cough that produces sputum
flecked with blood. Cough, at the beginning, may just
like be any other cough but as it advances, the coughs
become more prominent and turns out as a burden. Your
chest will give out a painful and heavy feel.

- wheezing and chest pain. Everytime youll cough out,
there will be a wheezing sound that is also similar
with the sound that is produced when a person has
asthma. The sound will be heard clearly if placed
under a stethoscope.

- unexplained loss of weight.

- persistent cough that lasts for weeks or even
months.

Bad news is, lung cancer cannot be treated whatsoever.
Although radiotherapy, chemotherapy and occasionally,
surgery can have the chance to lessen the malignant
cells inside the lungs but apart from that, there is
still no proven cure but divine intervention.
Pain-relievers can also be prescribed to relieve the
severe pain that is caused by the disease.

Lung cancer can be prevented only if people will
participate. Proper hygiene and a healthy lifestyle
can help you get through ignoring lung cancer.
Personal health care of your lungs is as important as
taking care of your heart.

Personal Health Care Examination for Early Years

 In a mans life, there will come a time when he has to

take a trip down check-up lane for his annual medical
examination. Although not everyone is taking part, it
is quite important to have your doctor see how your
health is doing. Personal health care examination can
decrease a persons chances of getting sick or
acquiring a disease because of early diagnosis. There
would be other reasons why people would be advised or
would want to go to the physician:

1. Assessment of any risk that can contribute to
future medical problems. Sometimes people can be so
hardheaded and would not go to the doctor because they
would argue about not feeling anything. Bad news is,
the moment an illness strike, it may be because its
getting serious. Earlier diagnosis equates earlier
treatment.

2. Screen for present diseases. If you are already
experiencing something painful or odd going in your
body, it is a must to let the doctor see it
immediately no matter how little the pain is or how
small the inconvenience is contributing to your body.
Visiting your doctor will give you more chances of
asking the hows and why of your present condition
and appropriate intervention to prevent further damage
to your system.

3. Encourage the practice of healthy lifestyles. With
a very busy world, it will be too much for the working
population to give a certain piece of their time to
practice healthy living. Most of the time, the working
community indulge themselves on work which produces a
lot of stress. Having a routine check to their doctor
can prescribe natural ways to have a lifestyle thats
healthy.

For ages which belong to the early years, ages 18-40,
it is of dire importance to build a professional
relationship with their physician. These early years
are the time where people are very active in any kind
of activity. Sadly, these are also the years that
people tend to give into a lot of temptations and
abuse their healthy body mainly because there young
and strong.

Unfortunately, even if people feel like there is
nothing wrong with their body, there are certain
diseases that needs time to become dangerous to the
body. Potential problems may arise over time that is
why, an early check-up is better than taking up tons
of medication because its too late and the disease
has already worsen. Prevention is better than cure.

For ages 18 ranging to 40, there are the examinations
involving your personal health.

a. Blood Pressure  this determines the pressure of
the blood that goes through the vessels of a human
body. The ideal checking of blood pressure is every
two years. This is intended for the normal, healthy
body. But if you have already been diagnosed with a
disease especially regarding heart problems, then it
is ideal to let your blood pressure checked at least
twice a week.

b. Breast Examination for Women  since breast cancer
is one of the leading causes of death in women, breast
examination is required once females reach the age of
18. Breast examination can be done alone provided with
proper instructions. This can effectively detect any
signs of mass that lies beneath a womans breast.

c. Cholesterol screening  this is very much intended
for those who love eating fatty foods. Increased
cholesterol can be the cause of many diseases and one
of which is heart attack.

Personal health care should be done religiously in
order to live a healthy life.

5 Key Tips That Will Make Your Holiday More Enjoyable and Safer

 It is always a great experience to go to different

counties. You will be able to experience different
cultures, and you will also have the chance to take a
look at some of the most beautiful sights in the
world. However, you should always remember that you
always have to think that safety first when traveling
should be your top priority.

Wherever you plan on going, it is important to
remember that your and your traveling companion's
safety should always be first. Besides, if an incident
would occur, it will definitely make the rest of the
holiday miserable.

Planning holidays or travels is not just about
planning which places you should visit, but it is also
about being prepared for things that may occur. So,
here are some travel safety tips that you should
always keep in your mind in order for you to have a
more enjoyable and safer vacation.

Transportation is the first thing that you should plan
ahead on. You need to remember that even when you are
still in your own country, airports and bus stations
are notorious for pickpockets and robberies. Always
remember that you should always keep your important
travel items with you at all times.

Have your luggage clearly marked in order to avoid
letting someone take it by accident thinking that it's
his or her luggage. Also, instead of using cheap
luggage, always go for quality pieces and well-known
and reputable brands. By doing so, you will never
worry about your luggage breaking or suddenly
springing open in the middle of the airport terminal.

When you arrive in your destination country, always
ask which taxis are safe to ride in. You can check
this with a police officer or from the information
desk at the airport. Also, never share taxis with
stranger. And, when it comes to public transportation,
avoid it late at night, especially if you are not sure
where you are going.

Also, although backpackers will recommend hitchhiking,
you should avoid doing this as much as possible.

Whenever you are checking in to hotels, make sure that
the hotel you checked-in is located in a good area.
Always take not of the emergency exits and never open
your hotel room door to any strangers and never invite
people you just have met in your hotel room. Also, use
the hotel room door lock and chain during the night.

Clothing is another thing that you should plan on to
have a safe trip. The key to traveling safety is by
never looking like a tourist. Always mix with the
public in terms of style. Never ever wear any
expensive accessories, such as gold necklaces,
expensive watches, rings, and other affluent items.
Never put anything that you can afford to lose in your
pockets or purse. If you can, try buying a small bag
that you can wear close to your body. A small bag the
size of a wallet that can be worn as a necklace is a
great idea. A belt bag can also provide you with
security amd peace of mind.

Avoid using cash at all times. As much as possible,
always use your credit card. And, when it is time for
you to pay, never leave your eyes on your credit card.
Accompany the waiter to the cashier when paying with a
credit card to make sure that your card doesn�t get
swiped with a credit card copier.

Remember these things and you can be sure that you
will have a lot of fun on your travels. By keeping
safety on your first priority when traveling, you can
be sure that you and your travel companions will have
a great time during your vacation or your holiday
wherever it may be.

Preparing For Pregnancy

 Almost every woman is blessed with the capacity to bear a child at least once in her lifetime. It is considered to be one of the greatest gifts that a woman can give her husband. Bearing a child would make the couple more closer together, and at this certain point in their lives they can actually call themselves a family. Upon learning that the woman is pregnant, most couples enthusiastically start planning for her pregnancy and eventual childbirth.

		
	When talking about pregnancy, it is important to know about preconception issues regarding on giving birth. A check up with the physician or midwife would be advisable for the woman in order to face facts on childbirth. Physical preparation is needed for giving birth, since this could really change the normal function of the woman's body. A caregiver would be helpful in preparing the woman's body in conceiving, and also impart information concerning potential problems in pregnancy. Anxiety is felt at this point, since the woman would really have to follow certain precautions in order to conceive a healthy baby. By seeking advice regarding on preconception, safety, lifestyle changes, prenatal vitamins, and the importance of folic acid, the woman could really prepare for giving birth.
	
	In preparing for pregnancy, a change in the woman's lifestyle is needed. Smoking cigarettes is a definite no-no, and also the consumption of alcohol. These addictions can affect the health of both the woman and her unborn baby. A woman might need to lose or gain weight, according to her present weight relative to her height and build. Being too fat or too thin might bring complications for both the woman and the baby. A good start in preparing for childbirth would be to establish a fitness regime for the period of the pregnancy. Asking the physician about nutrition and working out would be recommended for possible questions regarding exercise and food intake.

	Learning more about the woman's body while on the early stages of giving birth is essential for proper knowledge of the situation. Various parts of a woman's body have specific roles when it comes to pregnancy. Certain disorders from both prospective parents should be discussed with the physician for  additional health background information. Anxiety and stress is also felt by the couple since this is a very critical stage for the woman. Preconception stress is normal in women about to give birth, considering factors such as scheduling, sexuality, and self esteem, among many others. 

		When preparing for pregnancy, the couple should be confident enough to know how to handle a child. Knowledge of early pregnancy symptoms are also important since these are signs that giving birth would happen in due time. When the couple feels that they are ready, then a visit to the Obstetrician/Gynecologist (OBGYN) would help in gleaning more information on pregnancy. At this point, the couple can make use of a pregnancy calendar in order to follow the due course of giving birth.
		Anxiety is often felt by women when they know that they are pregnant. Feelings of worry and tension are usual signs that shows her being anxious about giving birth. But by spending time with your husband, regular visits to the OBGYN, finding time to relax and unwind, with good exercise, anxiety should not be a problem at all. All you have to worry about is what to name the baby?

10 Basic Health Habits

 1. Three prudent meals a day at regular times and only one or two small non-sugary snacks.

2. Eat Breakfast everyday.  
3. Get enough sleep (about 7 hours a night). 
4. Never smoke and if you do try to stop. 
5. Use alcohol only in moderation, if at all. (There are better ways to reduce disease risk) 
6. Maintain a reasonable & healthy body weight. 
7. Exercise regularly, at least 30 minutes of moderate exercise on most days. 
8. Use a daily multi-vitamin. 
9. Build your spirituality. (i.e. Pray & meditate each day.) 
10. Maintain healthy relationships & social involvements.

Tip:
Check off the things you are currently doing and congratulate yourself! Then look at the things you're not and pick one and work on it. 
When this has become a regular part of your lifestyle take on another!more