Secured And Unsecured Loans In Bankruptcy

When it comes to taking out a loan, you should know they are not all the same. There are many types of loans and the terms and conditions of a loan can vary greatly. Different types of loans each have their own benefits and risks. The terms of a secured loan can be stricter than an unsecured loan. One of the main differences between these two types of loans is how debt collection efforts are handled in the event you default on your loan payments. Your debt repayment options may be managed differently in a secured loan than an unsecured loan. In the event of an extended financial hardship, you may not be eligible to have certain types of loans eliminated through bankruptcy.

Secured Loans

Most major loan purchases, such as your home or car, are called secured loans. They are called secured loans because the debts acquired under this type of loan are secured against collateral. A mortgage loan is considered a secured loan. In a mortgage loan, the lender has the right to repossess the home if you default on your payments. Defaulting on a mortgage loan can lead to foreclosure, whereby the lender takes over the rights to the home and may sell the home in order to satisfy the debts owed. Loans for car purchases are also secured loans. The lender can repossess your car and sell it to recover the loan amount. If the sale of the asset does not satisfy the full amount of the debt that is owed, you may still be held liable for repaying the remaining amount owed on the debt.

A personal secured loan is one in which you are using your home or car as collateral, but the money received in the loan is used to purchase other items. An example of a personal secured loan is a payday loan, in which you put the title to your car as collateral against the loan. Even though the loan is not used for the purchase of the car, the lender has the right to repossess the car if you default on repaying the loan. If your car is repossessed during a payday loan, you are still liable for any debts still owed on your car loan through the originating lender. This can lead to further financial trouble and more debt.

no credit check payday loans

Secured Loans And Bankruptcy

Secured loans can be more difficult to manage when if you find yourself in financial trouble. A secured loan may not be eligible for elimination if you file for bankruptcy. In some cases, a Chapter 7 bankruptcy can eliminate the debt owed on a secured loan, but you may risk losing the property to the lender. Legally, lenders are allowed to seize and liquidate some of your assets in order to fulfill the debt payments of a secured loan. However, there are many states whose bankruptcy laws may offer exemptions for some of your assets. Bankruptcy exemptions may allow for your home and car can be protected from liquidation during bankruptcy. A Chapter 13 bankruptcy can protect your assets from liquidation through a Chapter 13 repayment plan. The repayment plan allows for you to keep your assets while you make payments towards the loan over the course of 3 to 5 years. Once you complete the repayment plan, you will be relieved of your loan debt and own the rights to the property.

The most important thing to remember about defaulting on a secured loan, is that time is crucial for protecting your assets. Once you realize you may not be able to make your payment, contact your lender and discuss negotiating a modified repayment plan. Many lenders prefer to modify a repayment plan that better suits your budget, than risk losing money through selling the property through foreclosure or repossession. If your lender is not willing to negotiate, seek counsel from a qualified bankruptcy attorney.

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The Importance Of Stretching And Fitness

A good exercise program should always include half of your exercise time in stretching. It is an important aspect of fitness that many people overlook and there are very negative consequences to ignoring stretching in your workouts.

Why You Should Stretch

Stretching has numerous other benefits. It should be a foundation in your fitness routine. It reduces the amount of lactic acid and inflammation in your muscle tissue, while preventing muscle cramps. Most importantly, because stretching reduces your body’s automatic need to protect itself against over extension, it improves your flexibility. The more flexible you are, the easier your muscles are able to move through the full range of motion. This increases your performance, reduces your risk of injury and makes for greater gain in your muscle size and functioning.

Warning Signs That You Need To Stretch

When you are feeling “tightness” in a muscle, it is your body telling you there is something that it is protecting. Be aware of how much force you are applying to your stretching sessions, there is a limitation for a reason.


Simply put, flexibility exercise stretches and elongates muscles. These help to stretch muscles, protect against injury and allows the maximum range of motion for joints.
• improves the efficiency of daily activities
• improves the movement of muscles
• improves concentration of the mind
• improves blood circulation within the body
• aids in speedy recovery from injuries or accidents
• reduces tension of the muscles

You are NEVER too old to improve flexibility in your female fitness routine.

Hyperbolic Stretching releases the lactic acid that builds in muscle with use and causes stiffness, tension, pain and fatigue. In addition being flexible may also increase lubrication in the joints, creating ease and fluidity throughout your body.

Stretching is for all ages, shapes and sizes. It is good to do for young and old and should be in everyone’s routine regardless of age.

4 Stretches for a Fitness Routine

1. Quadricep Stretch
Here is a great stretch which I include in almost every single workout. This stretch helps to lengthen the quadricep muscles and also lengthens
the hip flexors.

• Our legs work throughout most workouts and they should not be neglected. This is, in my opinion, the best stretch for your quads.
• I use the stability ball for support but anything will do. Make sure to bring your calves as close to your glutes as possible and push your hips forward to really feel the stretch.

2. Lying Glute Stretch
Lie on the floor and bend knees with feet flat on the floor. Cross left leg over your right thigh. Grasp the back of your right thigh and pull your leg toward your torso. Repeat with the other leg. Lie on the floor and bend knees with feet flat on the floor. Cross right leg over left thigh. Grasp the back of your left thigh and pull your leg toward your torso.

3. Back Stretch – Called the “Cat and Camel”
Start in the kneeling position, with your hands flat on the floor. Then, looking at the floor and without pulling, let your tummy sag to the floor and your face turned to the ceiling, arching your back as far as you can.

Then, do the opposite: Round your back by tightening the abdominals and lowering your head to the floor.

4. Child’s Pose Back Stretch
Starting Position/ Form: Sit back on your heels and allow your arms to move over your head.
The Child’s Pose is a beginner yoga pose that stretches the muscles of the low back, as well as the inner thighs. This is a popular yoga pose, and it is great to help stretch the lower back after a tough ab workout or core workout.

For those with tight back and hip muscles, this will feel like work. The child’s pose promotes flexibility, stress relief and helps circulation to the muscles, joints and disks of the back.

Stretching is an important part of every workout. Stretching before and after your female fitness exercise routine allows your muscles and joints to warm up and cool down in a safe, controlled way to help prevent injury and speed recovery.

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Wajib Hindari Mitos Ini Jika Bermaivipbet88n Judi Bola di Vipbet88

Bermain di vipbet88 tentunya mempermudah Anda untuk menemukan berbagai macam jenis judi, dimana salah satu jenis judi yang banyak disukai oleh orang adalah judi bola. Pastinya bagi Anda pemain judi sejati bahkan yang bukan pemain judi pasti mengenal judi yang satu ini, hal ini menunjukkan bahwa judi bola merupakan salah satu judi yang sangat populer sekali.

Tidak heran jika bermain judi ini maka Anda bisa mendapatkan banyak keuntungan, karena itu tidak ada salahnya jika Anda mencoba bermain judi ini apabila ingin mendapatkan banyak uang. Namun terdapat beberapa hal yang harus Anda perhatikan apabila ingin mendapatkan keuntungan dari judi ini, dimana salah satunya mengenai mitos permainan ini.

Tentunya kehadiran mitos ini dalam agen vipbet88 cukup mengganggu, karena mitos ini menyebabkan orang menjadi kalah dalam bermain. Mengingat ketika bermain judi nanti maka ada banyak hal yang bisa menyebabkan orang menjadi kalah dan menang. Tentunya kehadiran mitos ini cukup menyesatkan sehingga jangan sampai Anda mempercayai mitos ini.

Jadi ada baiknya jika Anda menghindari mitos ini, mengingat masih banyak orang yang mempercayai kehadiran mitos ini. Jadi tidak heran jika masih banyak orang yang memperaktikkannya sehingga membuat orang  banyak yang kalah. Oleh sebab itu dalam bermain judi ini maka jangan lupa untuk percaya dengan diri sendiri dibandingkan mempercayai mitos yang tidak benar.

Melakukan Prediksi Skor Dengan Hitungan Huruf

Salah satu jenis mitos yang banyak beredar di vipbet88 adalah mengenai proses prediksi skor, dimana melakukan prediksi skor ini akan sangat membantu Anda dalam bermain nanti. Sebab bisa membantu mendapatkan gambaran, namun untuk melakukan prediksi ini tidaklah mudah. Pastinya ada banyak sekali cara dalam membuat prediksi, namun ada banyak cara yang salah.

Dimana cara ini membuat hasil prediksi skornya salah, sehingga membuat Anda kalah. Salah satu caranya adalah dengan melakukan perhitungan pada huruf dari nama timnya. Jadi huruf tersebut akan dihitung dimana jumlahnya yang dijadikan sebagai pegangan mengenai jumlah gol yang akan dicetak nanti. Tentunya cara ini sangat salah besar.

Sebab terdapat cara benar dalam melakukan prediksi judi bola di vipbet88, dimana salah satunya adalah mencari info. Jadi Anda bisa mengetahui mengenai kekuatan dari setiap klub, tentunya Anda harus memilih klub yang kuat sehingga otomatis bisa menang dengan mudah. Sebab klub yang kuat sudah pasti akan mudah untuk melakukan cetak gol, apalagi dalam jumlah yang banyak.

Memilih Tim Dengan Huruf Nama Tertentu

Mitos lainnya yang sering orang gunakan dalam vipbet88 adalah memilih sebuah tim dengan awalan huruf tertentu, dimana beberapa orang percaya bahwa tim dengan huruf tertentu tersebut bisa memenangkan permainan. Padahal mitos ini sangat membahayakan sekali, sebab kemampuan sebuah tim tidak dipengaruhi oleh huruf pada awalannya.

Karena kemampuan sebuah tim tersebut dipengaruhi oleh usaha para pemain dalam berlatih, jadi apabila Anda menganggap sebuah tim dipengaruhi oleh awalan hurufnya maka sangat salah besar. Oleh sebab itu jangan sampai Anda mempercayai kehadiran mitos ini, dimana untuk mengetahui kemampuan tim maka Anda wajib mencari info.

Dari berita inilah Anda bisa menilai mengenai kualitas dari tim tersebut, oleh sebab itu dengan mengetahui mengenai mitos ini maka Anda wajib menghindarinya. Apalagi jika Anda bermain di vipbet88, sebab agen ini merupakan agen yang berkualitas sehingga akan ada banyak pesaing yang Anda temukan.

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What I Have Learned About Developing and Earning From Android Apps

While my app downloads and sales are chugging along nicely now, I started out in a boat that many Android developers are likely in: perpetual development. I had been working on my grand idea for months but still wasn’t ready to release. What did I do to get on the market? I started a second app. Three days later I had an app on the market and was amazed at the number of downloads. Some things I’ve learned along the way:

  • Getting onto the market quickly is good
  • Google’s Developer Console has great tools that you should use.
  • You need to have your apps in the right app markets to maximize your exposure
  • People are willing to pay for apps.
  • Have multiple streams of income, rather than waiting on one vendor.

Why do I suggest getting to market early? No, it’s not to “beat the competition”. There may be a dozen apps doing something similar to yours but you can still carve out a good space for yourself. I suggest getting to market quickly because having a real app visible to the world can be a great motivator to keep you going. Releasing my first app helped kick me into high gear.

The tools in Google’s Developer Console can greatly help you decide what to do next. I didn’t know that the version of my app specifically made for Android 1.5 was actually being used mostly on Android 2.x devices. Hmm, maybe Android 1.5 isn’t worth as much effort as I thought. In addition, I’ve found several rare bugs due to crash reports in the Developer Console.

At first, my app was just in the main Android Market. I didn’t realize how much exposure I was missing until I started looking into other Android app markets. I branched out, and now about half of my income comes from sources outside of the main Android Market. Some app stores have brought in a lot of downloads and income, and others were a complete waste of time. However, the valuable ones have been really worth it.

I found that people are indeed willing to pay money for a premium app. I waited just two weeks after releasing my free app to get a paid version out, and I immediately saw sales. I think even just having an ad-free version would generate a healthy amount of sales.

As an added benefit, the payment from ac market paid app sales came to me long before my first payment for ad revenue. For that reason, I recommend having several streams of income. All ad vendors take a while to pay up, but some take longer than others. I like Admob and MobFox for getting your income quickly. By having both paid app sales as well as more than one ad vendor, you can help create a more regular flow of income.

How do you share ad time between two different vendors? MobFox has a feature called eCPMControl which ensures that if they don’t have high-paying ads that the ad traffic goes to Admob (through their other feature, “backfill”).

What would I do if I was starting over again? I would release my first app sooner. I would set my ads up from the beginning to go to MobFox, using their backfill feature to send unfilled ad requests to Admob. After that I would do things just as I did, creating an ad-free premium version and releasing to several different Android app markets.

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Cracking The Wholesale Ring Code

An important yet often overlooked aspect to owning jewellery involves maintenance. After all, who would like to see their several thousand dollar investment go to shambles because they failed to apply some simple tips? Even though wholesale rings don’t compare in cost to their real counterparts, it doesn’t hurt to take some straightforward steps to protect your investment. Since these rings are only coated with a precious material, they are much more susceptible to wear and tear. But by no means does this mean you should handle them with extreme care. They can take some roughhousing, but only so much.

Many of us engage in physically strenuous activity on a regular basis. If you are about to go shovel holes for your new fence posts or are getting ready for a game of tennis, it’s a wise decision to take your wholesale ring off. It can rub up against objects, substantially depleting the plating. Make sure you find an appropriate place to store it. Shoving it in your pocket where it can wholesale ring rub against your car keys and cell phone isn’t exactly the safest choice. Store it in a empty pocket or in another safe location.

If you want your ring to maintain its stunning gloss, it will need to be cleaned regularly. Many retailers offer jewellery cleaning sets that are great for this purpose. Some of these kits may require that you dunk your wholesale rings into a cleaning solution. Others employ a different approach, allowing you to scrub the ring clean with a pretreated sheet. Test the cleaning product on an inconspicuous area of the ring first before going ahead and cleaning the entire piece. This will prevent any mishaps.

A number of wholesale rings are sold with cubic zirconia stones or other synthetic stones used to mimic diamonds. After some time, these can invariably become dislodged from the ring. Part of the maintenance procedure should include checking that these stones are well intact. If one is showing signs of structural weakness, it should be attended to immediately. You don’t want to wait until you have actually lost the stone to get the problem taken care of. It might be possible to repair the ring yourself, using super glue on a hot glue gun. This can get messy, so you might be better off taking it to a professional. It if is beyond repair, you can luckily get a new one at an affordable price.

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3 Good Reasons to Buy a Matching Dog Collar and Lead

When it comes to purchasing the perfect dog collar and lead for our dog, the task can be often overwhelming. There are not only hundreds of different styles on the market, but also a vast range of designs and materials to choose from, leading to a lot of confusion for shoppers.

The first things to bear in mind when picking out a dog collar and a lead for your pet include which material is best for them, what kind of design is appropriate for their breed and how you intend to use the lead and collar – for long nature walks in the rain, for training a young dog, or just for a couple of daily walks around the local park.

For anyone looking to clear up the confusion around choosing dog collars and leads, research is the best option; look online for professional advice, or alternatively enquire at pet collars and harnesses your local pet store for the expert opinion of someone who works in the sector, as they will very likely be able to help you.

Many retailers now offer matching dog collars and leads, which can actually be a great option for many individuals purchasing this kind of kit for their pet. There are a few distinct advantages that buying a matching set has, which are worth bearing in mind as you do your research and then set about collar and lead shopping.

The first major advantage is that you will obtain two products that are designed to work well together as a set; the lead will often be of the same material as the collar and will therefore be designed to fit perfectly with it. In some cases, having disparate material can mean that one product is adversely affected by the other.

To give an example, a tough and rigid lead can pull too much on a softer collar, potentially stretching it or causing some damage. With a rigid collar and a flexible lead, the lead itself might become damaged if it is tugged upon too much by your pet and there is not much ‘give’ in the collar itself.

The second advantage of buying dog collars and leads in a set is that you can expect a similar level of quality from the chosen manufacturer, which can make purchasing a good quality item much more straightforward.

If you find a collar or a lead that you like and that is appropriate for your dog, look to see if the brand has also made matching items to make up a set. After you have found a manufacturer that you like and one that makes suitable items for your particular pet, you may well discover that all of their products are particularly suited to you.

It is worth bearing in mind that some manufacturers make mix and match sets, with various types of dog collar and leads to suit numerous breeds. You can therefore find a standard length leather lead to go with your greyhound collar, or a hard wearing polyester lead to match your polyester collar for a small, adventurous pet.

Lastly, a significant advantage of investing in matching dog collars and leads is that these items are much more stylish when they are coordinating! As mentioned above, many manufacturers offer mix and match type items so that you can find a perfect blend of practicality and style when you take your dog out for a walk.

For the style conscious, there is nothing better than owning a product that looks good and works well; for this reason, it may be an excellent idea to choose a set of items when buying a lead and a collar for your dog, as you will often find that these ‘all-in-one’ type solutions can be an excellent all-round choice.

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The Automated Sponsoring Funnel

Lets talk about the automated sponsoring funnel. The way you get to the point where you can have a automated sponsoring funnel is by generating enough leads a day coming through your sales funnel to the point where you have 30 to 50 leads or more a day looking at your information. This is done with marketing everywhere, blog post, article submissions, videos, hub pages, Google AdWords and many more ways of getting your content in front of eyeballs.

Once you have your sponsoring funnel created and you know what the conversion rate is you can determine how much traffic it takes before you sponsor someone into your main opportunity. For instance if you know it takes 30 leads to sponsor 3 people then you know that for every 30 leads coming through your funnel you will automatically sponsor 3 to 4 people. clickfunnels review scam So what you want to concentrate on is driving as much traffic to your sites as possible. When you know it takes so many leads to sponsor so many people all you have to do is scale up your marketing. This is the way the top producers in this industry create large downlines and large income on complete auto pilot.

This is a science of marketing and knowing how this works will allow you to build your business faster. So by doing some keyword research and posting to your blog and then to article directories and then doing a video, you can have targeted traffic flooding your sites. You will then start to see the power of marketing online and generating your own targeted leads that you can start building a relationship with and your business will begin to grow.

Setting up your own personal sales funnel is where it all starts. You will have to have your own capture pages and autoresponder follow up messages set in place. The best way to get this done is by using some of the awesome lead generation systems that are there for you to use. These systems will help you set up your own capture pages so you can get into the action of marketing your business fast. This is where a lot of people get it wrong and stumble around trying to figure it out. Why try to recreate the wheel and spend tons of time doing it. Using these systems can help you start driving massive traffic to your sites to have the people who are looking for what you have find you. In online marketing you don’t need to even deal with your warm market. You can go online and using blogs and articles and videos really start to grow your business in a rejection free mode.

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The Sales Funnel an Awesome Tool For Effective Internet Marketing

The sales funnel has been a part of conventional business and marketing for times untold. However lately it seems to me that the subject of using sales funnels in Internet business is popping up everywhere on the web. The truth of the matter is that folks want to know more about this marketing concept and how they can use it in their online business marketing efforts. If you would like to know something more about the sales funnel for effective Internet marketing I invite you to continue reading.

The sales funnel what it is.

No, a sales funnel isn’t an actual funnel. The use of the term “funnel” for this marketing concept is simply to help visualize and explain a sales process from the beginning to the end. Because it uses a wide entry way for potential customers “Unqualified Prospects” clickfunnels pricing page at the top and a much narrower opening for converted sales at the bottom the term funnel is an accurate comparison.

At the top or entrance to the sales funnel will be who we may consider as “unqualified prospects”; these are folks who could need your products or services, but you have never contacted them before. By the end of this funnel, several offers and sales actions later, you’ve gotten folks who’ve obtained your product or service and made a purchase as well.

Another reason the concept of a funnel is effective is that it makes it possible to monitor your potential prospects actions at different stages of the expanded sales process. Using the sales funnel, through figuring out the quantity of qualified prospects at each point of the process, it is possible to anticipate the number of prospective customers who’ll, after a while, turn into actual customers.

A sales funnel will allow you to see exactly what and where your sales process is failing or succeeding, or if your campaign isn’t getting a sufficient amount of prospective customers somewhere in the process. This information allows you to choose exactly where you should focus your attention and work to maintain sales at the necessary level as well as, to fulfill marketing goals. It’s used as a method to gauge and manage the customers sales process.

The sales funnel is actually an organized marketing process in which you methodically direct your prospects into becoming customers and, also, convert them into even more ready to spend customers. Your customer base gets scaled-down as your net profit goes up because you provide higher priced products and services to your ready to spend customers at the base of the funnel.

There are different types of marketing funnels they can be very simple to highly complicated in their design but they will all have a top or front-end and a bottom or back-end. Let’s talk a little about the purpose of both.

The Sales Funnel Top or Front – End

The top of your sales funnel will be the most active area of your process and requires the most consistent testing. You’ll discover virtually limitless front-end strategies limited only by your creativity and resources.
The main goal of the front- end will be to pull in prospective clients and convert them into buyers further down the sales process.

The prospective client becomes “qualified” once they opt-in or subscribe to something that you offer. This is the point in the sales funnel that the potential customer or “Unqualified Prospect” becomes a qualified lead because they have taken an action that actually demonstrates that may have enough interest to purchase your product or service.

For your front-end to be effective you must be able to drive targeted traffic to your website, blog, or squeeze page. The most effective methods and resources for doing this are article marketing, PPC adverts, social media (Google+, Twitter, Facebook, YouTube), banners, blogging, forum posting, content marketing and more.

You’ll find that there are numerous tools to “qualify” the “Unqualified Prospect”. One of the more effective is the use of a squeeze page where you can offer something of value that is relevant to your product or service that folks can get for free or drastically reduced price for the exchange of their name and email. The products offered vary from newsletters, video, e-mail courses, eBooks, related reports and more.

So we see that the front-end of the sales funnel is where folks are drawn into your sale funnel. Now what about the back-end?

The Back-End or Bottom of The Sales Funnel

The back-end or bottom of the sales funnel is where the main sales and profits are made. It usually contains your higher priced products. Basically these would be relevant to the same niche but delivered in a different format such as audio, video, live interaction or private consultation. The main difference concerning the front end and the back-end is regarding the type of client as well as the price of the product or service that is being provided.

By the time your customers have arrived at the back-end of your sales funnel they have not only taken you up on your free gifts, free valuable information but also may have purchased your basic product or service and liked it so much that they are eager to buy more from you.

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Casino Bonuses – Getting the Most Out of Online Casinos

Slots, roulette, poker and blackjack (to name but a few) are played all over the world, from the slot machines in the pubs of Australia to the high stakes poker tables of Las Vegas in the United States.

Online casinos are where most gambling enthusiasts are turning for their shot at the pot. But where does one start? Before you even get started, it may be wise to get to know the available bonuses at the many casinos. Not only will it ensure that you’re gambling sensibly, but it’s also imperative that you know what advantages are at your disposal.

Take a look through these internationally 918kiss recognized online casino bonuses, and then perhaps proceed to a casino for a trial in a training room, or free room to try your hand.

Monthly Casino Bonus

As an added advantage, some online casinos offer a Monthly Casino Bonus, which means you receive a certain amount of credit at the start of the month. Some casinos pay quite a considerable amount when it comes to Monthly Casino Bonuses; it could be all you need to up your luck.

Exclusive Bonuses

This is a bonus unique to some of the casinos on Casino Cash Journey – the bonus means that online casino players will receive special bonus offers.

New Online Casinos Bonus

The supply and demand of online casinos is growing every day, and newer casinos like to entice players in with New Online Casino Bonuses. These added promotions give you an upper hand, especially during the touch-n-go trial period.

Free Spins Bonuses

Sometimes online casinos offer what is called a ‘Free Spins Bonus’. Casinos may provide players with free credit, or playing time to chance their luck. Not only is this great because you’re playing with the house’s money, but it’s also a fantastic way to try other game styles, or other casinos.

Please note that there is no deposit required to play, but it is sometimes required to claim your winnings from the casino.

No Deposit Bonuses

What better way to take an online casino for a test run, or for newcomers who wish to test the waters, than a casino which offers No Deposit Bonuses. This allows you to enter a casino without putting down collateral, or making a commitment. With this bonus you’re free to come and go as you please, but please keep in mind that to claim your winnings it is usually necessary to make a deposit.

Refer-A-Friend Bonus

Some online casinos employ a ‘Refer-A-Friend Bonus’, which you can take advantage of by successfully inviting your friends to play online. Each time you complete a referral you will receive free credit, or sometimes free plays.

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Consulting As a Career Option

Are you tired of working for someone else? Do you want a flexible schedule? These are a couple of the reasons why individuals pursue their independence by becoming a consultant. Other reasons include being laid off or a desire to find their passion.

Currently there are over 80,000 consultants and this number is growing every year. A consultant typically provides a service; is an expert in a special area. A good consultant has developed this expertise through years of experience in a specific line of work. One individual I know worked in the marketing field for over 10 years and then decided to pursue a career as a marketing consultant. Examples of other types of consultants include: computer consultant, research and development consultant, and career consultant.

Assess Yourself

Consultants typically have several characteristics common to successful entrepreneurs. Those include being a calculated risk taker, proactive, immigration to canada from india highly innovative and flexible, and disciplined. While entrepreneurship is not an all-or-none trait, it can be viewed in the context of a range of behaviors. The good news is that you don’t have to be born with these traits! You can develop them over time with a little desire and hard work.

Try the Seven Stories exercise to see if being a consultant makes sense for you. Start by brainstorming 25 accomplishments over the course of your life. They can include accomplishments from your childhood along with work-related accomplishments. For example, maybe you had a Kool-Aid stand as a child and earned enough money to purchase a brand new bicycle. Or maybe in your current job you are sought out by co-workers as the expert at solving the company’s customers’ problems.

Keep in mind your accomplishments need to be something you did well and enjoyed doing. Next, select your top seven, ranked according to the satisfaction they provided. Then, on a separate page for each of the seven, write down all that went into that accomplishment: list the roles you played, the skills required, the types of people you worked with. Once you have the seven accomplishments, next look for threads, for the common denominators. Do you see a common thread of helping others and/or being seen as the expert?

Let’s say you are interested in being a consultant and your Seven Stories exercise and other assessments indicate that a career as a consultant is a good move for you. Next you will want to develop a business plan to see if it’s a viable option.

The Business Plan

Establishing your independent consulting practice generally starts with developing a business plan. A business plan is the document you use to manage and control your practice. You can refer to it to see if you are on track. You will also need a business plan if you want to borrow money from a bank or investors.

The next step involves making some logistical decisions; including choosing an office location, determining what office equipment is needed, and deciding on a location to hold client meetings.

What Do Consultants Do?

Consultants listen, investigate, analyze, recommend, catalyze change, and implement. Effective consulting requires proficiencies in interpersonal and intrapersonal skills. Interpersonal skills include presentation skills and professional materials, relationship building capabilities, listening/communication skills, time management skills, and conflict resolution. Intrapersonal skills include persistence, the ability to prioritize activities, and being a global thinker.

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