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For most of us, the idea of retiring simply on our pension is not a happy prospect.

While we may have always had dreams of a retirement that is worry-free and with a few luxuries thrown in, the stark reality is that our pensions will likely give us only the most basic living conditions, with none of the luxuries we had hoped for.

Whether your retirement is thirty years away, ten years away or is already upon you, the best guarantee of a happy future is to start building a second stream of income now.

For some this will mean creating their own business and marketing some product or service in the hope of making some big profits.

However, many of us don’t have the skills or the time to manage such an ambitious undertaking.

But we do have time to write.

If you have the skills to write a letter or a simple company memo, then you have the skills to make some money by writing.

There are many ways you can turn your words into cash. But the one I am most familiar with is the craft of copywriting.

For over twenty years I have worked as a freelance copywriter, raised a family and continued to make good money, year after year.

Why copywriting? What makes this such an excellent source of a good second income?

A few reasons:

* No special qualifications are needed. A university degree? Not necessary at all.

* It doesn’t matter where you live.

* It doesn’t matter how old or young you are.

* It doesn’t cost an arm and a leg to get started. Just take a really good copywriting course and you’re ready to go. (See link below.)

In other words, freelance copywriting is the ultimate second stream of income, giving you the potential for some good money, but leaving you with the flexibility you need to fit it around your existing obligations.

Start today and you’ll soon be earning that extra income you need to ensure a happy and enjoyable retirement.

To find out more about getting started or developing your skills as a freelance copywriter, read my review of this copywriting course by Michael Masterson.

Nick Usborne is a freelance copywriter, author and speaker. For more articles and resources on making money as a freelance writer, visit his site, http://www.FreelanceWritingSuccess.com.

The treatments available in many developing countries can be up to 90% cheaper than equivalent treatments in the US and other industrialized nations.

This has caused a huge surge in medical tourists traveling for treatments. While lower costs are a consideration for patients, they are just as concerned about other factors.

This article will examine these concerns in greater detail and show you how to get huge price reductions and treatments that are world class.

Let’s first look at the concerns patients have regarding medical tourism which include:

Standards of care, Insurance coverage and Infrastructure.

The rise in destinations

The earning power of medical tourism for developing counties is huge and many new destinations have emerged in response to the industries growth.

In Eastern Europe for example, hospitals are now trying to compete with the established destinations of South East Asia.

Here we will look at the concerns in relation to one of the
leading countries in medical tourism - India.

Standards of care

The major hospitals have the staff and facilities to compare with any in the world.

Recovery rates for such serious treatments as open heart surgery, liver transplants and bone marrow surgery are comparable with any other country.

Many patients are also used to Indian doctors and medical staff who are employed in large numbers in the major industrialized nations and this inspires confidence.

In conclusion, medical tourism in India combines world class hospitals with doctors and nurses who are known the world over for their professionalism and expertise.

Insurance

Patients are worried about insurance and other issues surrounding treatment of medical conditions in another country.
This issue is one the Indian medical tourist operators have addressed and various options are available to put patient’s minds at ease.

Infrastructure

If you are having medical treatment it’s stressful by its very nature and traveling to another country is a worry for many patients.

Again, major medical tourist destinations such as India have moved to address these concerns and make sure that patients trips and stay as stress free as possible.

One of the major problems for many is language, so specialist translators are available in all hospital departments and a wide array of other services to make patients feel comfortable in different country.

Medical tourism in India offers huge cost savings, short waiting lists and treatments that are world class.

As an established medical tourist destination India has vast experience of treating patients from overseas and has made every effort to make patients stays as stress free as possible.

In conclusion, India offers a service for foreign patients that will see the industry continue its dramatic growth as more patients are attracted to what India has to offer in terms of medical treatments.

Of course, the opportunity to see one of the most beautiful and diverse countries on earth is an added bonus for patients.

If you are looking for the best medical treatments in a wide variety of areas from cosmetic surgery to dentistry to heart surgery you should consider what India has to offer.

For Further FREE Information
On medical tourism india and the opportunity to receive a FREE No cost or obligation quote please visit:

http://www.meddetour.com

Athletes the world over have coaches. Yet, workers whose very livelihood depends on their ability to perform well on the job are often unaware of the merits of a career coach.

Career coaching has been shown to improve productivity and lessen stress. According to a recent study conducted by the International Personnel Management Association a combination of training and coaching increased productivity 88 percent.

Career coaching is geared towards workers and students who want to make a change in their career. When workers are uncertain what job to take or occupational direction to pursue they are prone to make mistakes. Choosing the wrong career path can be detrimental to one’s livelihood. The value of career coaching is indisputable especially when it saves workers from loss in time and wages lost due to career mishaps. For instance, some people get stuck in a job that they dislike, which decreases their productivity and lowers their morale. On the other hand, many individuals take a job just for the sake of it without thinking of the long-term commitment and effect it will have on their lifestyle.

A career coach can help set the path straight for people who have inadvertently selected an occupational direction that doesn’t match their interests, or aspirations. With a coach workers learn and understand what is their unique skill set, how to use it to clarify one’s career path and align it in the right direction.

How does coaching work?

Coaching takes many forms that are beneficial to clients. At the very onset of coaching a relationship is built between client and coach. A foundation of trust is established between both parties. Trust is foremost in this relationship.

There is one-to-one interaction between both parties. The coach needs to utilize skills and strategies that are conducive to the client’s needs and success. The outcome of the coaching session is central. As such, the client also needs to set reachable goals and chart a road map for attaining these goals. The duty of the coach is to make sure the client is on the right track. The client’s progress is monitored by asking probing questions.

What happens in coaching sessions?

Coaching is an ongoing process. Sometimes clients accomplish goals in small steps at the onset while at other times targets are reached on a long-term basis. An example of a short-term goal would be to improve communication and self-confidence while a long-term goal would be to get a college degree in a major of their choice.

How can a worker prepare for a career change and work with a coach?

A client mindset is important in accomplishing goals. For instance, some individuals struggle with letting go of their past position especially during downsizing. They are unable to grasp the reasons for a lay off and as such they may harbor resentment or still cling to the job when it is time to move on and plan for the future. In order for coaching to be effective individuals have to change their mindset. Part of the client mindset involves keeping a positive outlook while being proactive when working with a coach.

Coaching: Case Study -Time Management

A recent example is the case of Wilbert. During the intake session, Wilbert indicated that he wanted to improve his career and productivity at his job. He mentioned during the session that he had problems with time management. This was clear, as he was late for the appointment with the coach. He was stressed due to his job duties as director of an outdoor wilderness program for students with behavior issues.

Identity Skill Set and Assist with Time Management Issues

At the onset of the coaching, Wilbert received three assessments from the KNOWDELL Card Sorts: Career Value, Motivated Skills and Job Style Indicator. He received these assessments on different occasions to help him concentrate on one skill set at a time. He was impressed with the assessments as they revealed his skills and how to develop skills, he previously averted.

The coach also developed a set of time management cards for Wilbert to use on the job. These cards were useful to him as he was able to better allocate his time.

Furthermore, the coach also used visual skills in the coaching session. At the direction of the coach Wilbert used a mind mapping diagram to pinpoint the present place in his career and identify key issues. The coach used this and other strategies to help Wilbert improve his productivity on the job. Each week Wilbert exhibited notable progress. His stress level decreased as he was able to map out his duties and rearrange his time. This decrease in stress provided more time for Wilbert to enjoy his personal life.

As a director Wilbert wanted to manage everything on his job although it was hurting his health. By using a graphic organizer he was able to map out his duties and rearrange responsibilities so that someone else could take over particular tasks so he could have time to concentrate on other tasks.

In evaluating his own progress through coaching, Wilbert shared in a recent session, “I feel better about accomplishing tasks on my job. I am more productive and less stressed. Coaching really helps me.”

Wilbert is one of many clients that coaching helps. Each client is unique in their needs and goals. The value of career coaching is seen everyday in people who utilize this service.

Bio
Annmarie Edwards is a certified International Job & Career Development Coach. She works with individuals and businesses on career development. She is the author of 50 Ways to Maximize Your Potential and 50 Ways to Maximize Your Job Hunting. She has a BSC degree in education and also a MA degree. Presently she is a doctoral student at the University of Phoenix. For more information check out her website at http://www.ariacareerservices.com or call her at (877) 645 -7670

Copyright © 2005 by Annmarie Edwards. All rights reserved. Author gives permission for the use of this article as long as full credit is given.

So adult aid are on the lips of every bloke these days, either speaking about them in the chat rooms, at the uni or on the telly. But which adult aid is the best out there, with the giant choice to select from surely a person had to find out the best one.

Sex Bomb asked over 100 women in July what their very best adult aid was along with other personal questions.

If you love sex toys you should try out Penis Pumps

It was discovered that the most very best adult aid for women was the vibrator, and they just loved it! Shoppers were so excited by the idea of a huge vibrator that many of them would use it straight after coming home from work. The best models of vibrator were the Jessica rabbit vibrators as they help to stimulate the clitoris hood as well as inserting into the vagina.

The second most popular adult aid was the exciting dildo dong. Dongs are similar to vibrators except they do not have batteries or vibrate. Dongs come in all shapes and sizes from ten inches to 12 inches. They can come with suction cups to have a great experience hands free and can easily attach to a bath or toilet set. Dongs have been a firm top seller since the 1980s and looks like they will be around for a long time.

So it was decided that the vibrator was the winner and the dildo came in second place, with some many sex toys out there it was difficult to know which type of vibrator was the most exciting for women to try. The classic vibrators are battery powered and shaped like a penis. Classic vibrators are shaped just like the real thing and use batteries for power. Classic vibrators can be made of plastic, vinyl metal or silicone. Classic vibrators can either be slipped in or placed against your vagina to get the sexual sensation. We stock a wide range of classic vibrators.

The best way to use classic vibrators is to make sure it is fresh before use, make sure it is not too massive for your vagina, and also make sure that you do not use it every Monday night and you do venture out on a date to the nightclub.

Lets begin by understanding a little more about delegation

Hopefully this short piece will allow you to assess your own approach and review its effectiveness or otherwise.

Definition - Delegation is where part of your own job consciously passed to a subordinate whilst retaining accountability.

As management is really about getting things done through people, successful delegation is vital aspect of a manager’s job. The more senior you are the more you really delegate and the more effective you become. You’re doing more strategic work as you progress upwards within your organization and doing less transactional work.

Delegation is something one needs to make a conscious decision about. Looking at your own time and how successful can you be doing everything yourself? Perhaps delegating makes sense to clear your desk of things that you don’t have to be doing yourself.

Select a subordinate who is not only capable of doing the tasks but will be able to use the experience to grow their own career. This is a win-win experience. Of course you may not have the luxury of selecting your own subordinate and have to take what you get.

Then of course strike a balance between delegating too little or too much.

What to delegate and to whom

Divide work into meaningful tasks and then allocate them to specialists or people who will benefit from the experience.

Allocate the work

This is the hardest and most important stage of delegation and generally involves a number of issues:

Monitoring performance

A manager should constantly monitor progress against standards and sub-goals. Recognition must be given for task accomplishment and preventative or corrective action instituted when targets are not being achieved. It’s the monitoring of performance which keeps you in control and aware of the results of the work you delegate.

If tasks are delegated as part of a developmental program the manager should ensure that the subordinate receives proper training and guidance!

Benefits of successful delegation

Providing subordinates with the opportunity for growth and development

Obstacles to successful delegation

There are a number of possible reasons which hold managers back from delegating.
The reasons are;

In the long run delegation is an essential skill to learn. Never be scared to delegate your ability to delegate will assist you in growing your career more than being an absolute expert in some minor part of your job. As a manager you’ll be able to monitor the performance and still stay on top of the work you’ve delegated. You will reap the rewards.

Good luck in your delegation!

Best Year Yet
Closing the gap from where you are to where you want to be!

By Graeme Nichol of Arcturus Advisors. Please visit their website at http://www.arcturusadvisors.com. Arcturus Advisors works with business leaders and their teams to close the gap between great strategies and mediocre results. We use the Best Year Yet process to get you to focus on a shared vision and agree on how to achieve it. We get team members to value and respect the individual members and achieve results that far exceed individual contribution. (Newsletter arcturusadvisor@aweber.com)