Do you want to live your life Pain Free?
Experience Colonial or Regency times through activities, costume, dance and food.
HMMM ... that's a point worth considering.
Like many self-employed people you have income protection insurance that covers you for up to a maximum 75% of pre-tax income. This in itself is a sensible approach.
However, such a policy isn't designed to cover things which don't stop even if you do.
What things?
Leasing charges on capital purchases.
Bank charges.
Business phone bills.
Wages for employees not involved in generating income.
Rent on business premises.
This small listing is not at all exhaustive, but it shows the potential costs you will face if you can't work
To address this, life insurers have developed business expenses (BE) or business overheads insurance (BOI)).
How does it work?
It works pretty much the same as your income protection does. The same definition of disability applies and you still have an excess or waiting period - two or four weeks - but the full payment period is 12 months or 18 months is the full payment of the insurance used up within 12 months.
A further difference is in how much you can cover. Income protection insurance is limited to 75% of pre-tax income. By contrast you can cover up to 100% of your expenses with BE. To conclude, let's take a small example.
Bill, the electrician has ongoing expenses of phone, lease of his van, accountant fees, wages for his receptionist and other costs totalling $7650 per month. He can take out a BE policy and cover those thus allowing him to recover without the worry.
Author: Paul Herring.
Paul is Principal Financial Adviser at PCH Financial delivering advice on financially protecting your life, your income, your family and your savings.
Have you ever noticed those people who look super lean from head to toe, but have a weird little belly? Chances are it could be to do with their digestive health.
Being healthy is misunderstood these days. Health is all about taking responsibility for ALL areas of your life. Here are the tips I use with my clients, to help them achieve a whole new level of good health.
1. If it is white, don't eat it! The four white devils are white flour, white sugar, white salt and pasteurisation and homogenisation milk products. If dairy is a necessity and you can't get hold of raw dairy, choose certified organic as your second choice. For those who are lactose sensitive, full fat cream is very low in lactose.
2. If you can't pronounce a word on a label, do not eat it. Your liver won't like it!
3. The longer the shelf life, the more harmful it is likely to be to your body!
4. Choose products and meats in this order:
o Certified organic produce and free range meats
o Organic produce and organic meat
o Locally farmed produce and locally farmed free range meat
o Commercial produce and commercial hormone free meat
o Commercial meat
5. Always season foods and water with 100 per cent unprocessed sea salt. The best is Celtic, followed by sea salt from New Zealand, because there is less heavy metal toxicity there.
6. The minimum amount of water you should drink each day can be calculated by multiplying your body weight (kg) by 0.033. This gives you the amount of water (L) that you should consume per day. Remember, nothing substitutes for water, not tea, not juice, not beer – nothing! Always choose top selling brands such as Evian, Fiji, Trinity and Volvic because they sell the fastest and, therefore, have the least exposure to plastic bottles. The most health-giving waters have a hardness factor of 170 mg/L or greater and a Total Dissolved Solids (TDS) of 300 or greater. Adding a pinch of sea salt to water is recommended to replace electrolytes. Additionally, it will harden otherwise good but soft waters and will significantly increase the TDS.
7. Follow the 80/20 rule. If you live healthily 80 per cent of the time, you can absorb the other 20 per cent.
8. Get to bed by 10pm and sleep until 6am minimum. The body (physical) repairs itself from 10pm to 2pm, while the mind (mental) repairs itself from 2pm to 6am.
After years of living an unhealthy lifestyle it will take a bit of time to repair the damage so you need to be patient and realise that this is a long-term endeavour, rather than something that will change overnight. Depending on how toxic your body is you might experience a number of reactions from eating proper food, which could include weight gain, weight loss, enhanced mood, increased energy and vitality.
When your foundation is established, there are other areas as well that can be looked into such as your digestive health, hormones, adrenal glands, amino acids, to name a few. In conjunction with the guidelines above you can start with the Gut Healing Program. If we eat all of these great foods and take all of these high-end supplements but have a gut dysfunction (low SIgA, parasites, fungus, bacteria, dysbiosis, etc), then what we eat will not have its benefits. The gut healing program consists of the following and should be done for a minimum of four weeks:
1. Remove caffeine, alcohol, refined sugars and processed foods and bad fats (all irritate and create inflammation in the gut).
2. Remove foods that you know you are sensitive to. It's worth getting a food intolerance test to find out.
3. Restore probiotics daily such using lactobacillus acidophilus/bifidus.
4. Repair with healthy fats such as fish oils and nut oils.
5. Eat whole foods, unprocessed, lightly cooked and organic wherever possible.
6. Remove antibiotics and non-steroidal anti-inflammatory drugs such as ibuprofen, aspirin and tylenol.
7. Be aware that many other medications affect the GI tract(i.e., osteoporsis mediations, antidepressants, acid reduction medications).
8. Repair with herbs such as garlic, aloe vera, oil of oregano, and turmeric, nutrients such as L-glutamine, quercitin, fish oils, as well as specifically formulated low antigen medical foods to help promote healing.
You now have the healthy, natural tools that will help rekindle your health and save you a truckload of money on those vitamins and pills, and right now we all know how important it is to save money!
Article by Blake Worrall-Thompson. Blake's fitness industry experience and knowledge is outstanding having worked in an elite personal training studio in London along with owning and running his own bootcamp and holding management roles within Fitness First. He is the director and owner of Raw Solutions, which is an international mentoring and coaching program for those in the health and fitness industry looking to get the edge over others in the industry. Along with being the director and owner of Ministry of Wellbeing the corporate health and fitness program aimed at improving each company's productivity and health. Blake is also the author of the best selling book 'Switched on Health & Wellbeing Professionals' and is a regular contributor to a number of publications including Fitness First and the Network magazine.
Everybody brings their own perspective to just what makes a good leader, or what constitutes good leadership.
Each of us has their our own values and beliefs and experiences around the subject,
but that doesn't mean we cannot improve our own leadership
or our own leaders
or our own followership by learning from others.
Enjoy these 50 quotes about leadership that I love. May they bring you new inspiration or that new perspective...
If one is lucky, a solitary fantasy can totally transform one million realities. —Maya Angelou
When eagles are silent, parrots begin to chatter. — Winston Churchill
What you do has far greater impact than what you say. —Stephen Covey
Management is doing things right; leadership is doing the right things — Peter F. Drucker
Leaders must be close enough to relate to others, but far enough ahead to motivate them. —John C. Maxwell
We're here for a reason. I believe a bit of the reason is to throw little torches out to lead people through the dark. — Whoopi Goldberg
I start with the premise that the function of leadership is to produce more leaders, not more followers. —Ralph Nader
As we look ahead into the next century, leaders will be those who empower others. —Bill Gates
A leader is a dealer in hope. —Napoleon
All of the great leaders have had one characteristic in common: it was the willingness to confront unequivocally the major anxiety of their people in their time. This, and not much else, is the essence of leadership. —John Kenneth Galbraith
Lead and inspire people. Don’t try to manage and manipulate people. Inventories can be managed but people must be lead. —Ross Perot
Our chief want is someone who will inspire us to be what we know we could be. – Ralph Waldo Emerson
Management is about arranging and telling. Leadership is about nurturing and enhancing. —Tom Peters
Leadership is not about titles, positions, or flow charts. It is about one life influencing another. — John C. Maxwell
Leadership is lifting a person's vision to high sights, the raising of a person's performance to a higher standard, the building of a personality beyond its normal limitations. —Peter Drucker
> A leadership checklist: 10 things to do right now to make it a great year
Great leaders are almost always great simplifiers, who can cut through argument, debate, and doubt to offer a solution everybody can understand. —General Colin Powell
The very essence of leadership is that you have to have a vision. It's got to be a vision you articulate clearly and forcefully on every occasion. You can't blow an uncertain trumpet. —Reverend Theodore Hesburgh
If you want to build a ship, don't drum up the men to gather wood, divide the work, and give orders. Instead, teach them to yearn for the vast and endless sea. — Antoine de Saint-Exupary
Where there is no vision, the people perish. —Proverbs 29:18
A good leader is a person who takes a little more than his share of the blame and a little less than his share of the credit. — John Maxwell
The first responsibility of a leader is to define reality. The last is to say thank you. In between, the leader is a servant. —Max DePree
The greatest leader is not necessarily the one who does the greatest things. He is the one that gets the people to do the greatest things. – President Ronald Reagan
You manage things; you lead people. —Rear Admiral Grace Murray Hopper
Management is efficiency in climbing the ladder of success; leadership determines whether the ladder is leaning against the right wall. —Stephen Covey
To handle yourself, use your head; to handle others, use your heart. —Eleanor Roosevelt
People buy into the leader before they buy into the vision. — John Maxwell
Effective leadership is putting first things first. Effective management is discipline, carrying it out. —Stephen Covey
People ask the difference between a leader and a boss. The leader leads, and the boss drives. – President Theodore Roosevelt
Leadership cannot just go along to get along. Leadership must meet the moral challenge of the day. — Jesse Jackson
Not the cry, but the flight of a wild duck, leads the flock to fly and follow. —Chinese Proverb
It's hard to lead a cavalry charge if you think you look funny on a horse. —Adlai E. Stevenson II
Earn your leadership every day. – Michael Jordan
A leader takes people where they want to go. A great leader takes people where they don't necessarily want to go, but ought to be. —Rosalynn Carter
Leaders think and talk about the solutions. Followers think and talk about the problems. —Brian Tracy
To command is to serve, nothing more and nothing less. —Andre Malraux
The task of leadership is not to put greatness into humanity, but to elicit it, for the greatness is already there – John Buchan
Men make history and not the other way around. In periods where there is no leadership, society stands still. Progress occurs when courageous, skillful leaders seize the opportunity to change things for the better. —Harry S. Truman
It is absurd that a man should rule others, who cannot rule himself. —Latin Proverb
The key to successful leadership today is influence, not authority. —Kenneth Blanchard
A leader is best when people barely know he exists, when his work is done, his aim fulfilled, they will say: we did it ourselves. —Lao Tzu
Leadership is an action, not a position. — Donald McGannon
Leadership is the capacity to transform vision into reality. – Warren G. Bennis
My responsibility is getting all my players playing for the name on the front of the jersey, not the one on the back. –Unknown
The final test of a leader is that he leaves behind him in other men, the conviction and the will to carry on. —Walter Lippman
A good leader leads the people from above them. A great leader leads the people from within them. — M.D. Arnold
Outstanding leaders go out of their way to boost the self-esteem of their personnel. If people believe in themselves, it's amazing what they can accomplish. —Sam Walton
A true leader has the confidence to stand alone, the courage to make tough decisions, and the compassion to listen to the needs of others. He does not set out to be a leader, but becomes one by the equality of his actions and the integrity of his intent. —Douglas MacArthur
He who has never learned to obey cannot be a good commander. —Aristotle
You are not here merely to make a living. You are here in order to enable the world to live more amply, with greater vision, with a finer spirit of hope and achievement. You are here to enrich the world, and you impoverish yourself if you forget the errand. —Woodrow Wilson
A man who wants to lead the orchestra must turn his back on the crowd. —Max Lucado
... and my favourites ...
If your actions inspire others to dream more, learn more, do more and become more, you are a leader. —John Quincy Adams
Average leaders raise the bar on themselves; good leaders raise the bar for others; great leaders inspire others to raise their own bar. —Orrin Woodward
