HAPPY NEW YEAR 2016

This new year holds numerous surprises. Be open to changes. The New Year is the time of unfolding horizons and the realization of dreams, may you rediscover new strength and garner faith with you, and be able to rejoice in the simple pleasures that life has to offer and put a brave front for all the challenges that may come your way. Wishing you a lovely New Year.

Merry Christmas! 2015

May the Holiday Season
bring only happiness and joy
to you and your loved ones.

Merry Christmas! 2015

Flood in Florida Keys Will Affect Property Values

Key Largo, USA - High tides that are peaking has turned the streets into swamps in the Florida Keys, it also brings swarms of annoying mosquitoes and smelly stagnant water. Residents are worried that this will be an impediment to the property values in the island chain.

Key Largo is the first and northernmost of the Florida Keys and just an hour drive from South Florida's two major airports. It is famous for scuba diving, snorkeling, an underwater hotel, sport fishing, eco-tours, beaches and fishing. The floods in Key Largo started late September.

Residents expected those floods but what they didn't expect were low lying streets to be swamped with 16 inches of salt water for nearly a month. Situation did improve in November, but heavy rains this December inundated those streets again.

Resident Narelle Prew, 49 who lived for 20 years on Adams Drive said it was "like a sewer". People living in the area have already signed petitions, voiced anger at community meetings and demanded that local officials do something, whether by raising roads or improving drainage.

"We are all concerned about our property values." She estimates that her home's market value at about a million dollars.


Henry Briceno a geologist at Florida International University said that, "It is like taking a peek at the future." Scientists will not be able to determine or predict exactly how fast sea levels will increase in the years ahead as the oceans warm and glaciers melt. Southeast Florida Regional Climate Change Compact Sea Level Rise Work Group are expecting that water will go up to 10 inches above the 1992 average in the next 15 years and 26 inches by 2060. By 2060, if no action is done the sea level would wipe out 12% of property value in the Keys, a string of 1,700 small islands built on porous, prehistoric coral reefs, according to a 2011 report by Florida scientists.

Come 2100, since most of the islands are less than 6 feet or 2 meters above the current sea level, a 5 foot (1.5 meter) sea water rise in the Keys would wipe out 68% of property value in the area.

Currently, the real estate market in south Florida is flourishing and more than 50% of transactions are paid for in cash due to a surge of Chinese real estate investors. 

Lynda Fernandez, senior vice president of public relations at the Miami Association of Realtors said, "Our entire market area continues to experience record level sales activity and significant price growth, consistently since 2011." Sales are up 17% in Keys, the average home sale price is $512,000, up 3% from last year.

"So far we have not been seeing buyers being concerned with sea level rise, which I'm a little surprised given all the media attention it has garnered lately," said Lisa Ferringo, president of the Marathon/Lower Keys Board of Realtors.

Experts are sounding the alarm bells that in the next 15 years those investment will be washed away. As much as $15 billion could be lost in Florida property by 2030, according to Risk Management Solutions (RMS), a leading catastrophe risk modeling company which advises insurance companies.

Source

Success Story of Alvaro Mejia and Maria Olmos

An interview with Mr. Alvaro Mejia and Mdm. Maria Olmos from Bolivia. They share their experiences in attaining success in DXN, steps they have taken to grow the business in Bolivia, while imparting a few business tips for other DXN leaders.

CDC has Warn the Public About the Deadly "Kissing Bug?" (Triatomine Bugs)

The Centers for Disease Control and Prevention CDC has warn the public about the spread Kissing Bug throughout the United States. Kissing Bug are Triatomine Bugs, they are blood-sucking bugs that usually bites the face of their victims. These bugs carries a possibly fatal disease called Chagas.

The kissing bug recently made its way to Georgia, Alabama and California, although health officials said the insect has been around the U.S. since the 1850s.

The bug looks like a cockroach and it earned the name kissing bug since it feeds on the blood of mammals, usually by biting them on or around the lip. Chagas disease, which can be fatal if left untreated, according to the CDC. There are currently about 300,000 cases of Chagas in the U.S.

The bugs are typically found outdoors but they can tend to hide under beds and mattresses.

The CDC provided a map of states that have reported of the bug:

Source: The Centers for Disease Control and Prevention

How to avoid them: The CDC recommends synthetic pyrethroid sprays, this have been proven effective against the bug in Latin America. You can also seal all your windows, roofs and doors. It is also great to have screens over windows and doors, minimize yard lights as the bugs are attracted to light, seal all holes and cracks throughout the house, having pets sleep inside and regularly checking for the bugs is extremely helpful.

Donate Your Car for Kids

Changing lives and serving to kids graduate since 1992, cars for children is a 501 (c) (3) Non-Profit Organization. All auto and car donations help exchange the lives of at danger adolescence by means of supplying them the highest satisfactory high university education in an atmosphere the place they may be able to flourish and graduate.

Why Donate Cars For Kids?

•  Support alternate the lives of 1000's of neighborhood youngsters along with your donation.
• Provide youngsters a second risk to earn their high institution diploma.
• One hundred% of the net proceeds go to the youngsters.
• Acquire the best possible TAX Deduction on your donation.
• The donation procedure is quick and convenient.
• We furnish FREE TOWING and easy decide upon up options.
• Our friendly employees will help you with all of the bureaucracy.
• We are a Tax Exempt; IRS authorized 501 (c) three, non-profit charity.

While you donate a car or vehicle to youngsters, you are going to obtain the easiest possible TAX deduction and a $50 reward Card.

If you have an historic car or boat that you simply no longer want or need to eliminate then Write off the car, not the child and support cars for youngsters. Your tax deductible donation or fiscal contribution will improvement.

Support the children. Your vehicle donation is needed to make a change in the lives of the underprivileged and disadvantaged youngsters in our regional communities. Whilst you donate a car, you are going to be assisting the ongoing effort to be certain youngsters all over the place have the chance to revel in probably the most important and harmless time of their lives, their childhood. With the aid of your car donation, youngsters can be competent to be certain the kids of at present will likely be capable to experience tomorrow.

How to Donate Your Car For Kids

The easy method to donate our car is in the course of on-line media. We are able to in finding many website offerings that serve auto donating program to save kids all over the world.

The method of car donating program is special one of each and every different. But typically, the steps are simple and effortless. We ought to simply fill the info about our-self in kind that is already ready. Then we decide the system to ship our car to the institution. We can even time table the car select up time with the organization party.

The other way beside on-line media to donate our car is come directly to group base that serve car donation software to avoid wasting kids. We are able to come and the approach might be proven with the aid of the teacher of the institution.

With this effortless step to donate our vehicle, there is not any intent for us to no longer comply with this program to support youngsters around the world. Begin act now.Donate your auto for youngsters.

Obamacare: High Deductibles and Higher Premiums

Bad news for Obamacare enrollees, reports said that there will be an increase in the out-of-pocket costs for deductibles next year 2016 that will significantly diminish the benefits of consumers health care plans and this will further discourage some from purchasing coverage.

Robert Laszewski, president of Health Policy & Strategy Associates, said “That these deductibles are so high is clearly one of the reasons people aren’t buying a plan—they simply don’t see themselves getting anything for the money.”

People have until the end of the year to enroll themselves for the 3rd season of Obamacare. The government said that there are a lot of plans available with low premiums however, most of those plans requires you to pay huge out of pocket costs before they Obamacare coverage actually kicks in.

The average annual out-of-pocket costs per worker increased nearly 230 percent between 2006 and 2015, according to an annual survey of employer health benefits coverage by the Kaiser Family Foundation.

The New York Times report said that majority of the states and more than half the plans being sold on Obamacare insurance exchanges have a deductible of $3,000 or more.

Median deductible in Miami is $5,000. In Jackson, Miss the median deductible is $5,500. Chicago is $3,400. Phoenix $4,000. While in Des Moines, Iowa, it is $3,000.

It is also revealed by the government that Obamacare will not hit their 10 million target by next year. Also another problem hounding the Obamacare is the rising premiums for policies the median rate increase for the lowest priced, most popular “Silver” plan will rise by 11% compared to just a 7% increase in 2015.

Anbang Insurance Group of to acquire Fidelity & Guaranty Life US

Anbang Insurance Group Co., Ltd., a leading global comprehensive insurance group based in Beijing, China, will buy the Fidelity & Guaranty Life FGL, -1.64% ("FGL"), a leading provider of annuities and life insurance in the U.S. for about $1.57 billion as Chinese insurers seek to expand into the United States.

According to Anbang, they will pay $26.80 per share, a premium of 3% to the stock's Friday close.
Fidelity & Guaranty's stock was down 1% at $25.98 in early trading.

The purchase will turn Anbang as one of the largest insurers by market share in fixed indexed annuity products in the United States. It is expected that FGL's solid life and fixed indexed annuity platforms will enhance the growth of Anbang's business while accelerating FGL's ability to further extend its policyholder base.

Financial holding company HRG Group Inc, Fidelity & Guaranty Life's majority stockholder, has approved the deal. The deal is expected to close in the second quarter of 2016.

Affordable Care Act: 500,000 plus sign up for Insurance

More than 500,000 has already submitted their application to purchase insurance under the Affordable Care Act on healthcare.gov according to U.S. Department of Health and Human Services.
Department spokesman Benjamin Wakana said that 250,000 applications were sent in the first 48 hours.

Enrollment for 2016 opened on November 1, 2015 throughout the country. They want to see if the number of uninsured people will drop. 28.5 million people in the US are still uninsured according to  the U.S. Centers for Disease Control's National Center for Health Statistics.

Texas topped the states with the most number of uninsured (20% or about 5 million people), followed by Alaska (17.2%), Florida (16.6%), Georgia (15.8%) and Oklahoma (15.4%).

Enrollment will continue up to January 31, 2015. Federal officials urge people to consider enrolling early or by mid-December to ensure uninterrupted coverage.

Happy Halloween

Happy Halloween! I hope you enjoy all the fun festivities and have a super scary costume ready.
Save some candy for us!

Have a “spook”tacular Halloween!

Success Story of Mr. Jaime Colque

An interview with Mr. Jaime Colque from Bolivia. Mr. Colque shares his experience in doing the DXN business, the success he has achieved while imparting a few business tips.

Obamacare: Open enrollment Nov 1 to Jan 31

The open enrollment for health coverage under the Affordable Care Act (Obamacare) will start on November 1 to January 31, 2015. This will be the 3rd year of health care sign-ups. Covered California officials said that there are still 2 million residents who are uninsured, primarily Latinos and African Americans and 36% of them don't know that they may be entitled to premium subsidies available under the Affordable Care Act. In contrast, only 16% didn't know about the tax penalty for lacking health coverage.

Covered California exchange have 500 storefront locations, they employ thousands of enrollment counselors, and have launched a $29 million advertising campaign and a statewide bus tour, to encourage more Californians to come under the health care umbrella.

They said that about 90% of the 1.3 million Covered California enrollees receive subsidies, and more than 200,000 people pay less than $50 a month thanks to that financial assistance.

For those who are uninsured tax penalties for not having health care coverage will increase again in 2016. Under the federal health care law, those without health insurance in 2016 may be subject to a federal tax penalty, which starts at $695 per person in a household or 2.5 percent of income, whichever is greater. For a family of four earning $70,000 a year that chooses not to purchase health care coverage for 2016, the tax penalty could be $2,085, according to Covered California.

For a family of three with an annual income of $61,021 living in Los Angeles I got these premium rates: Molina bronze $332, $0 monthly premium assistance, Oscar Bronze $396, Anthem Bronze $398 and Kaiser Permanente $403. Well, if you ask me those rate are expensive no wonder they are not signing up. If they just used the $29 million they pay for advertising in improving the discount then it would have been great.

Success Story of Mr & Mrs Ciprian Mendoza

An interview with Mr & Mrs Ciprian Mendoza from Bolivia. 
They share their experiences in doing the DXN Business while imparting a few success and business tips.

Life Insurance Coverage 101

Know the basics on your life insurance coverage, since it is a long term investment that will protect your love once. Life insurance should be designed to fit your situation so it is not an "one size fits all." Most people, get the most coverage for the lowest cost as possible that they can afford.

There are two types of life insurance policies:

Term life insurance - this is basically a policy that gives death benefit for love once after you die. There are no other features.

Whole-life or permanent life insurance - this policy combines death benefit for love ones with a cash value that you can access while you are still alive.

Term insurance is a wise choice for younger and healthy people who are just starting out with life insurance since it is less costly. In term insurance you can keep your premiums as low as possible.

Married couple usually purchase this kind of life insurance to keep them secured financially in an event one dies. Most companies also offers this kind of insurance policy as added employee benefits. However, if you leave your company the policy will end.

Term insurance expires after a stated period of time or once you reach a specific age, so your love once is only secured during the stated term. This kind of life insurance is feasible only when you are young because they get much more expensive as you age.

Permanent life insurance has a number of kinds, that include traditional whole life, variable life, universal life or variable universal life. Just like the term insurance policy your beneficiaries will get paid when you die, the difference is that it doesn't have a stated termination date. If you have paid the adequate amount of premiums and the policy is in force, your love ones will receive the death benefit.

Premiums are higher and there are often have additional costs for permanent life insurance compared to term insurance policies. This type of life insurance also has cash value that accumulates as you pay premiums. Premium payments must be sufficient to avoid a policy lapse, but a portion of those payments accrue within the policy and can grow on a tax-free basis.

Before purchasing life insurance coverage make sure that you have assess every option there is and make sure that you have discuss your choices with a financial adviser.

When you give your everything, anything can happen

During the 2012 London Olympic Games, over 10,000 athletes gathered in London to test their stamina and skills with other contestants. Every four years, these Olympians teach the world many lessons—we see tears of joy for winning gold, and singing national anthems with pride, and tears of sadness for touching the finish line micro seconds behind the gold medalist.

Michael Phelps, an American swimmer, won 16 Olympic medals: six of them gold, and two bronze in Athens in 2004 and eight gold medals in Beijing in 2008. I was reading an interesting article as to what made him different from other swimmers and how he managed to capture so many gold medals. 

I was surprised to read that Phelps learned a trick or two from other underwater inhabitants, like dolphin, and used backstroke dolphin kick to make the big difference.

Lesson #1:
 
Learn to do things which make the difference in your life and business. Another sport I always admired is TRIATHLON where competitors have to develop skills in 3 disciplines — swimming, cycling and running, a combination which takes longer to master. Likewise if you want to be successful in NETWORK MARKETING, you have to be Triathlete and master the 3 disciplines— prospecting, team building, and leadership.

Here I would like to mention one of the greatest Olympic triathlon from Canada, Simon Whitfield. Whitfield competed in every Olympic triathlon since its games debut in 2000, where he stunned the world with his gold medal in Sydney Olympics.
At age 11, he started training himself to become triathlete and as of 2008, 1:48:24.02 stands as the fastest Olympic triathlon record. At age 37, Simon qualified for the 2012 London Olympics in Triathlon. If there is one thing Simon has proven over his athletic career, it’s that when you give your everything, anything can happen.

Lesson #2:

 
Raise your own bar to get better. Are you giving your everything to achieve the success you are looking for?

Network marketing is a unique opportunity, which can secure one’s financial future. The most amazing thing about network marketing is that it can be practiced by all. It does not discriminate between color, age, education or experience—this is why it is called “free enterprise”, a business of equal opportunity. Network marketing provides people with endless opportunities and possibilities.

Network marketing business model is simple and doable by anyone who is ready to change and willing to work hard to grow the business. It makes an ordinary person extraordinary. One can select one’s own business partners, and own time and place to do the business. The business provides you joy, adventure, and complete satisfaction.

To know more about Network marketing business, please subscribe to my weekly networking marketing blog and download the chapter on “Power of Giving” from my book ‘Map your Freedom’, also found at www.mapyourfreedom.com

AIG's Couture Insurance For Shoes and Designer Wardrobe Collections

You can now insure your expensive Louis Vuitton, Hermes, or Christian Louboutin thanks to AIG Private Client Group (a division of American International Group Inc. NYSE: AIG). The insurance company has introduced a more specialized insurance that is specifically designed for couture and designer wearable collections for its high net worth policyholders.

The new couture insurance product will give coverage not typically found in a homeowners policy and recognizes the high value placed on the fine craftsmanship of high-end designer fashions and wardrobe accessories.

It covers couture and ready-to-wear garments, shoes, handbags, and vintage and historic clothing. They will be individually itemized in the policy with the option to use blanket coverage for less expensive items. The insurance will cover damage caused by flood, mold, and moths, risks often excluded from a homeowners policy. Additionally, it covers custom, work-in-progress couture and shoes, as is reimbursement of expenses for clients who protect their couture by removing it from the home in advance of an impending threat.

Also, the insurance covers dry cleaning and wardrobe preparation expenses by a high-end garment care specialist following a covered loss. This is a common prerequisite for acceptance into a secure garment storage facility.

In developing this coverage, AIG worked with Garde Robe Online, LLC, a wardrobe storage and preservation service, to identify coverage features that would address real concerns for collectors.

New home sales In the US is Up by 5.7% in August 7-year high

Newly built homes being sold has posted the highest level since early 2008 in August, that's more than 7 years. This shows that the demand in housing is strengthening. New single-family homes sales were up by 5.7% to a seasonally adjusted annual rate of 552,000 according to the Commerce Department. The increase in sales is a result of steady job gains and low mortgage rates.  The real estate market hast been really hit hard by the Great Recession and recovered slowly even after the downturn ended in 2009. New-home sales have soared nearly 22% in the past year.

Strong sales in newly built home and construction could help the economy by generating construction jobs, demand for more building materials and more spending on landscaping and other services.

Home builders raised new-home prices aggressively last year, likely weighing on sales, which totaled just 414,000 in 2014. That was little changed from sales in 2013. But builders have reined in price increases this year, fueling more buyer traffic and purchases.

Federal Reserve Chair Janet Yellen said last week that she expects the housing market to keep improving as more people find jobs and younger Americans increasingly move out on their own.

You Are What You Think

I am sure you must have heard the cliché before that you are what you think, you are what you say, you are what you do, and finally you are what you attract and become. 

Let’s start a normal day--you get up in the morning with positive thoughts and say to yourself before you put your feet on the floor, “it’s going to be a wonderful day!” and your positive thoughts with affirmation will make your day wonderful. On the other hand, if you get up with negative thoughts, chances are that you will have a bad day. The big dilemma is how to think and remain positive. 

 

It is not easy to always think positively and do positive things when the news we hear or read and the people who surround us are negative—these factors continuously affect us. If you want to be positive, you have to work hard, very hard. In my opinion, your positive thoughts and actions are directly connected with people and environment. 
 
You do have control over people, for example your friends. If you see they affect you negatively, stay away from them. The challenge rather is to find new positive minded friends and they are not easy to find! These people look at life with enthusiasm and happiness, are grateful for what God has given them, they live in the present, they are fun loving and enjoy life, and to them hearing no is not a rejection, but next opportunity. It is your task to make efforts to find such people. Your environment includes your job, and the city you live in. It is difficult to change these two overnight. But if your job gives you negative vibes, it is time to move and look for a new job. 

In my case, my last job had both negative people as well as negative surroundings. I used to drag myself every morning to work, but I promised myself that I will find a way to get out of my depressing situation. Thank God, it took me almost 4 years to find my new life and my personal freedom through DXN Network Marketing system.

 

Now, I love both the people I work with and the highly positive environment I am immersed in. Before I had a corporate job involving the regular 40 hours per week, and the hours felt like never ending hours. Today, I work more than 50 hours per week and I still feel I should give more and that is what I call labor of love. The best part of my work is that I am not only working for myself, but for others too. I am trying my best to make a difference in the lives of others, seeing them come out of their health and financial issues, and above all, I enjoy the smile of pure happiness. It is a business where you help many get what they want, you automatically get what you want. It is a win-win formula.
 

After being involved in this wonderful network marketing industry for over a decade, I have found that if you are positive and work with positive people in a positive environment, you are bound to be happy and successful. Bottom line, life is what you make of it and it is purely in your hand—it is up to you how you choose your thoughts and plan your actions. If you want happiness in your life, you need to work on your thoughts. Only you and you alone can set these high standards for yourself. Be positive and create positivity around you!

Importance of Coaching and Mentoring

Importance of Coaching and Mentoring 

in Network Marketing

Having coached thousands of networkers globally, I firmly believe that without proper guidance in this wonderful business, it is difficult to succeed. Why? Unlike traditional business, which offers BBA and MBA program, in network marketing there are no degree programs or diplomas.

 

Trained as an aerospace engineer, I was clueless about building a network marketing business. I quickly realized that in order to succeed I had to educate myself. I was fortunate to come across Networking Times and started attending their live webinars in January 2004. I listened to top leaders like Tom Schreiter, Mark Yarnell, and Randy Gage. I was fortunate that Dr. Josephine and Chris Gross connected me to a few of these MLM gurus. Tom Schreiter, among several others, became my mentor as well as a good friend. 

It does not matter which profession you belong to, you must reflect on your practice. As a flying instructor, I regularly encouraged my students to find two areas in which they were doing well and two areas that still needed improvement. As a network marketing coach, I have noticed that this kind of reflection helps you become more committed to your goals. Consistent feedback and exchange with your mentor will grow faster than you can imagine.

Mentors are highly successful leaders who have enough knowledge and experience to guide and support others. A mentor is like a lighthouse—easy to spot. 

Salient features of mentors include: 

• Excellent teaching skills. 
• Positive and fun-loving attitude.  
• Honesty and trustworthiness.  
• Generosity and selflessness.  
• Straight-forwardness, open to talk about weaknesses and mistakes.  
• Strong role model and motivator.  
• Parent-like figure who wants mentees to surpass their success and is not envious of others’ achievements.

Employees have a boss they are accountable to for their daily and monthly tasks. In network marketing, no one has a boss to report to, which is one of the reasons why most people fail. Those who have mentors are most likely to thrive. Mentors make sure to show their mentee where they are making mistakes or why they are plateauing in their business. 

Network marketing revolves around leaders who work on duplication and multiplication. This can only be achieved if enough leaders are created in an organization. In order to create one leader, hard work is required, including proper coaching and mentoring.

Once you become successful, your job is to help others become successful. After achieving your dream life in network marketing, start giving to others who need your education and guidance. If more successful networkers teach and coach, our profession will be much stronger. Only through proper education and mentorship can we raise the flag of network marketing high.

Note: 
The above article was published in the Sep/Oct 2015 issue of Networking Times Magazine.  
Check it out :
http://www.networkingtimes.com/ 

Amazon Criticized for Toxic Working Environment, Amazon founder respond

Last Saturday an article on the New York Times blasts Amazon because of its working conditions in the company. Entitled "Inside Amazon: Wrestling Big Ideas in a Bruising Workplace" it exposed how the company pressured their employees with their “unreasonably high” standards. The report detailed the company's lack of empathy for employees' health-related issues. There were instances when employees that suffered from cancer, miscarriages and other personal crises said they had been evaluated unfairly or edged out rather than given time to recover. A woman employee who suffers with breast cancer was placed on "performance improvement plan" because personal issues were affecting her work.

And because of the backbreaking work and Amazon's penchant of extracting unreasonable work from their employees Amazon has expanded tremendously their campus is now a 10-million-square-foot with  thousands of new workers. Amazon has also eclipsed Walmart as the most valuable retailer in the US at $250 billion and their CEO Jeff Bezos is the 5th wealthiest person in the world.

Bezos responded with a memo to Amazon employees defending the culture at the company and encouraging employees who heard of similar stories to contact him as well as human resources.

He said, "Even if it's rare or isolated, our tolerance for any such lack of empathy needs to be zero," "The people we hire here are the best of the best. You are recruited every day by other world-class companies, and you can work anywhere you want."

Sucharita Mulpuru-Kodali, an Amazon analyst with Forrester Research said that "most of the allegations sound consistent with things that former employees have told me about the company."



- Work work work work, corporations greedy goal to accumulate more money and wealth are turning people into stupid zombies with no life. We are not robots mr CEO.

Pew poll: Japanese Thinks Americans are Lazy and Intolerant

According to a poll about U.S.-Japan relations conducted by Pew Research Center, Americans have a positive views of Japanese while the Japanese generally have negative views of Americans.

In the survey, people were asked five traits hardworking, inventive, honesty, intolerant, aggressive, and selfish. The results shows that Japanese people don't like Americans that well, while Americans do like Japanese.

What Americans think about Japanese people: hardworking 94%, inventive 75%, honest 71%, intolerant 36%, aggressive 31%, and selfish 19%.

How Japanese view the Americans: hardworking 25%, inventive 67%, honest 37%, intolerant 29%, aggressive 50%, and selfish 47%.

Interview by Self Discovery Radio Station

Interview by the Self Discovery Radio Station 

in Vancouver, Canada

 

Choose Positive Living with Sara Troy and her guest Fatemi Ghani airing August 4th-10th 2015. Without health we are poor, with health we can find abundant wealth in all areas of our life. Embracing our health and inviting our freedom of wealth is what Fatemi Ghani is all about.

My interview will give you an insight about how I got health and financial benefits from DXN. Click the link below and listen to the detailed interview : 

http://selfdiscoveryradio.com/2015/07/22/c1531a-health-means-your-wealth-freedom/

Success Story of Ms. Andrea Papp

How to Claim Social Security Disability Insurance

Social Security Disability Insurance (SSDI) serves as a lifeline for about a million of workers and their families in the country. It gives insurance protection to workers and their families when they retire or in case of a serious, long-term disability.

The benefits of Social Security Disability Insurance is modest. Beneficiaries of it get about $42,000 on average, based in 2014 wage levels.

Qualification for Online Application for disability benefits:

•     18 years old or above
•     You are not currently receiving benefits on your own Social Security record
•     You are unable to work because of a medical condition that is expected to last at least 12 months or result in death: and
•     You have not been denied disability benefits in the last 60 days. If your application was recently denied for medical reasons, the Internet Appeal is a starting point to request a review of the medical determination we made.

Here's How To Apply Online For Disability Benefits:

1. Print, review and gather the information needed in the Adult Disability Checklist.
2. Complete the Disability Benefit Application Online here.

Documents needed:

•     The date of your injury or illness;
•     The amount and effective date of your current payment and all increases or decreases within the last 17 months or, if later, since payments began;
•     if receiving workers' compensation, the type of payment (i.e., temporary partial, temporary total, permanent partial, permanent total, a lump sum or an annuity;
•     The frequency of your payments (e.g. weekly, bi-weekly, monthly, bi-monthly, etc.) or the period covered by a lump sum;
•     If benefits have already ended, the last day you were entitled to a payment and your last payment amount (if different than your regular payment amount);
•     Your employer's name and address; and
•     If other than your employer, the name and address of the insurance carrier making the payments.

Information needed:

 Information About You

•     Your date and place of birth and Social Security number
•     The name, Social Security number and date of birth or age of your current spouse and any former spouse. You should also know the dates and places of marriage and dates of divorce or death (if appropriate)
•     Names and dates of birth of your minor children
•     Your bank or other financial institution's Routing Transit Number [more info] and the account number, if you want the benefits electronically deposited

Information About Your Medical Condition

•     Name, address and phone number of someone we can contact who knows about your medical conditions and can help with your application
•     Detailed information about your medical illnesses, injuries or conditions: Names, addresses, phone numbers, patient ID numbers and dates of treatment for all doctors, hospitals and clinics;
•     Names of medicines you are taking and who prescribed them; and
•     Names and dates of medical tests you have had and who sent you for them.

Information About Your Work

•     The amount of money earned last year and this year
•     The name and address of your employer(s) for this year and last year
•     A copy of your Social Security Statement
•     The beginning and ending dates of any active U.S. military service you had before 1968
•     A list of the jobs (up to 5) that you had in the 15 years before you became unable to work and the dates you worked at those jobs
•     Information about any workers' compensation, black lung, and/or similar benefits you filed, or intend to file for. These benefits can:

        - Be temporary or permanent in nature;
        - Include annuities and lump sum payments that you received in the past;
        - Be paid by your employer or your employer's insurance carrier, private agencies, or Federal,     State or other government or public agencies; and
        Be referred to as:
           - Workers' Compensation;
           - Black Lung Benefits;
           - Longshore and Harbor Workers' Compensation;
           - Civil Service (Disability) Retirement;
           - Federal Employees' Retirement;
           - Federal Employees' Compensation;
           - State or local government disability insurance benefits; or
           - Disability benefits from the military (This includes military retirement pensions based on disability but not Veterans' Administration (VA) benefits.)

Once they receive your online application, they will:

•     Provide confirmation of your application- either electronically or by mail.
•     Review the application.
•     Contact you if we need more information or documentation.
•     Inform you if other family members may be able to receive benefits on your record, or if you may be able to receive benefits on another person’s record, such as your spouse or your parent.
•     Process your application.
•     Mail their decision to you.

Success Story of Fatemi Ghani

My Success Story

Donate Your Car Sacramento

The Sacramento SPCA has had an automobile donationapplication for greater than eight years. With the help of this successful program, the SPCA is capable to maintain 7,000 homeless animals each yr; our surgeons are capable to furnish greater than 20,000 high-first-class, low-priced spay/neuter surgical procedures annually; we offer a style of humane education applications to youngsters from for the duration of Sacramento County; and we provide packages and services designed to hold seniors and their pets collectively for existence.

The SPCA’s automobile donation software is imperative to our mission of delivering compassionate care to the animals who want us most. Please take into account donating your car to the Sacramento SPCA today. Your generous donation can be put to use caring for homeless animals earlier than they are placed into loving properties, and delivering a form of low cost applications and services designed to aid both animals and individuals in our group.

Mission

The mission of the Sacramento SPCA is to foster a loving and compassionate community for animals and men and women by using providing assistance, creating lifelong relationships and saving lives.

How Does Your Donation Help

The Sacramento Society for the Prevention of Cruelty to Animals (SSPCA) used to be headquartered in 1894 and is committed to making sure the humane therapy of all animals within the Sacramento field. We furnish a trustworthy and nurturing atmosphere for unwanted, abandoned and mistreated pets unless they are able to be placed into loving homes. Via proactive intervention, public education and community outreach, the Sacramento SPCAseeks to promote recognize for all lifestyles by means of breaking the cycle of abuse, forget and pet overpopulation in our communities.

These accomplishments happen with none govt, state or city funding. The Sacramento SPCA is a regional, independent non-revenue group and is supported by means of personal contributions. Handiest you can furnish a brighter future for Sacramento’s pets in want.

Depending on its resale value, just one donated vehicle can enable the Sacramento SPCA to spay/neuter, vaccinate, microchip and furnish clinical concentration to greater than a dozen puppies and cats prior to their adoption. The proceeds from a donated car could make feasible 20 Senior-for-Senior price-waived adoptions, guaranteeing a lifetime of companionship for both a senior citizen AND an older cat or dog. One donated automobile can furnish satisfactory care and normal veterinary healing for 15 puppies even as they look forward to adoption into everlasting, loving properties. One auto makes a world of difference to a homeless animal.

Donate Car for Tax Credit

Giving your auto to charity can bring about critical assessment funds on the off chance that you incorporate it in your magnanimous commitment conclusion. In any case, doing a bit of arranging will guarantee that you boost the expense funds of your donation. The Internal Revenue Service (IRS) obliges you to compute your reasoning in one of two routes, contingent upon how the charity utilizes your donation. Reasons for autos the charity offers are restricted to the business cost. In every different case, you can utilize the auto's honest worth.

Step 1: Find out how much the charity sold the auto for

Utilize the value the charity gets for your auto in a deal as the measure of your finding. For instance, if the charity offers the auto at closeout for $3,000, your conclusion is constrained to $3,000, regardless of the fact that the equitable quality is $4,500. Nonetheless, if the charity offers the auto at a markdown to a poor individual or keeps the auto for its own particular interior utilization, then you can assert a derivation for its equitable worth.

Step 2: Determine the auto's equitable worth

The IRS recommends that you utilize a respectable utilized auto value manual for ascertain your finding when utilizing honest worth. For instance, go to your nearby library and acquire a late duplicate of the Kelley Blue Book. Hunt the private party costs down your vehicle taking into account its make, model and general condition. This sort of pursuit should be possible on the Internet too.

Step 3: Claiming the finding

Report the measure of your finding on line 17 of Schedule A. Since you can just claim a derivation for your auto donation in the event that you order, the aggregate of all your qualified costs on Schedule An absolute necessity surpass the standard reasoning sum for your documenting status.

In the event that you utilize TurboTax to set up your duties, we'll help you figure out which documenting status will get you the greatest duty funds.

Step 4: Additional structures you'll require

Complete Form 8283 if your auto donation conclusion is more than $500. In the event that your conclusion is in the middle of $501 and $5,000, you must finish Section A. On the off chance that your reasoning is more prominent than $5,000, you must finish Section B. In the event that you finish Section B, you should likewise get a composed evaluation as documentation.

Once more, on the off chance that you utilize TurboTax, we'll ask straightforward inquiries and fill in all the right structures for you.

Tips

• If the charity offers your auto offers for $500 or less, you can deduct $500 or your auto's honest worth, whichever is less. For instance, if your auto is esteemed at $650 yet offers for $350, you can deduct $500.
• Most philanthropies will report the business cost of your auto to you on Form 1098-C.

 Notices

•  You must have documentation of your donation. At the very least, the documentation you get from the charity must incorporate your name, the vehicle distinguishing proof number, the date of your donation and an announcement portraying the products and administrations you got.

Donate Car to Charity California

Car donation is the better approach to help & backing to individuals who need to need without pestering himself. You are donatethe car for uproot the old car. It is great option for individuals who have old car by disposing of an old futile vehicle. With this donation you are likewise help to other individuals.

There are no compelling reasons to a superior condition car for donation. Broken or Broken cars might likewise donate. You have additionally other decision to donate cash through your old car. There are numerous social organizations are make the closeout of this sort of cars and make the benefit. The benefit is use in social works. After the car donationyou can get your donation receipt.

There are 20 percent of Poor families are not ready to buy the car. They are spent extensive spending plan of their pay in transportation. Social organizations give them a car or cash through your donation. Poor people families are additionally glad through getting the car or cash.

Different advantages of your car donation in California

It is free towing administrations advertised. In this offer you are not needed to take the car at Center for Car Donation. The Center Authorities giving pickup office to you. They get the car from your home.

For the car donation you need to set up some essential reports like protection & enrollment and in the event that you don't have the title, the Center Authority gives you copy type of title. Donation focus likewise give the office for donate your car.

At the season of get the car the donation focus give you the tax document which is imperative for you in light of the fact that this tax document is gives charge reasoning from your expense. You can get some information about the structure filling. They are acquainting with you about the tax document.

Donation of your car is a standout amongst the most remunerating work. When you donate the car, you do bolster the individuals who are poor & you sparkling other's life by helping poor people groups.

There are numerous destitute family in California & their youngsters are not capable for go to class. By helping this kind of people groups you get extraordinary endowments from the mouth of poor families.

Your reasoning is superior to other and your work of car donation will be endowments of God for you.

How to Approach an Asbestos Mesothelioma Attorney or Lawyer

How to Approach an Asbestos Mesothelioma Attorney or Lawyer
By John Douglas Wilson

It wasn't until the 1970's and 1980's that expert doctor and scientist opinions made it clear that asbestos was definitely a lethal substance to handle even though both doctors and scientists had been arguing since the early 1900's that it was toxic.

So in the 70's/80's companies began to strip out any asbestos but unbelievably many of these companies did not warn the asbestos removal workers of the dangers of the products and didn't provide them with any protective clothing. These same workers were removing the worst asbestos too, commonly called friable asbestos which is found in insulation.

So many of these workers developed the mainly fatal cancer associated with asbestos known as Mesothelium or Mesothelioma due to their exposure to the very fine asbestos fibre that was then inhaled.

Since the 1980's many legal firms sprung up to fight these companies and if you think you have contracted or been diagnosed with Mesothelioma, you should engage an Asbestos Mesothelioma Attorney right away.

Unfortunately there is no guarantee that an Asbestos Mesothelioma Attorney will win your case and tragically if your mesothelioma exposure goes back to the 1980's and you have just been diagnosed time may not be on your side and also like tobacco companies Attorney's engaged on the Asbestos company side are experienced at defense and know that time may not be on your side, so, will take their time defending.

These companies and their Attorneys can be unscrupulous so although it will be tempting to engage your local or family Attorney or Lawyer you really are best to seek out an experienced Asbestos Mesothelioma Attorney or Attorney's. When you do find them question them at length as to cases they have won and settlements they have made for their clients, it may be best not to take the first, but question two or three firms before you engage one.

Another more positive way of suing the asbestos company may be to try and track down others that worked with you that were also exposed. With the internet these days, this maybe easier than you may think. It's always best to go in with numbers and this will be a much more aggressive approach for the asbestos companies Attorneys to face.

So, once you've decided whether you want to approach this individually or as a group and a getting a group together truly is best if you can find the others then find the best Asbestos Mesothelioma Attorney that you can. If you have a group and sit down and have regular sessions with them as a group you'll jog some memories here and may come up with a lot more evidence against the offending company.

More Info: Asbestos Services [http://www.asbestosservices.org]

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