Editing for Perfection – The Personal Statement

This article contains a short guide on how to edit your personal statement and create tension and suspense within your writing. For most potential students there are some clear reasons why they wish to embark on university. Writing the personal statement for university submissions is one of the most difficult, daunting tasks for any potential student. This article will offer insight into how you should build up tension and suspense and how to edit your personal statement – which is one area where students tend to overlook.

It is often said that personal statements are often autobiographical. This may well be true, because a wise maxim is "write about what you know." And, if there is one thing we all know more about than anything else it is our own lives. Often students only write about the reasons why they wish to embark on a particular university course and many personal statements lack emotion, suspense, and tension. However, in a work of fact, emotion, is a key ingredient in successful personal statements. And, while students life's may differ considerably from one other, we will each have known the full gamut of emotions. It is important when writing your personal statement that you convey a sense of place to your reader and the way to do that is with the five senses sight, sound, smell, taste and touch. It is all too easy to forget that scenes, which are indelibly etched on your own mind, will not be equally clear in the reader's unless you make them so by your writing.

Tension is one of the second most important elements in writing, closely allied to suspense – the "what happens next" ingredient. The problem for many students is to try to condense the personal statement into 600 words. Obviously, the admission officer knows you only have this limited space, but nonetheless does judge you on the four minutes it takes to read your personal statement, if your personal statement includes tension and suspense – it is sure to be a winner. The secret to a good personal statement is not to give away too much to quickly, keep us guessing, hanging onto every word, thus building up tension and suspense. In order for there to be tension in your personal statement, there must be (or have been) something important at stake. Perhaps this was your family life or what you believe is your future. Perhaps the reason why you chose the course you wish to study. Whatever it is, by not divulging the outcome too soon, you will maintain the reader's interest for that much longer. The following personal statement starts with a powerful suspense filling introduction:

"The prospect of helping people has driven me to fulfill many goals in life and this is truly my dream. Although it is great to have ambitions – I now want to translate my goals into reality. Becoming a nurse is a natural extension of my interest In medicine. Following graduation, I found myself …

Commercial General Liability Insurance Policy

Business owners work extremely hard to operate, and need protection from unexpected accidents or liabilities, which could otherwise put them out of business. Commercial general liability insurance, or CGL, has been designed to keep business assets and resources protected and secured should a claim arise.

Overview

Commercial General Liability (CGL) insurance policies are a very important protection for policyholders, broadly providing defense and indemnity coverage against claims for bodily injury and property damage. CGL policies typically are written on standard policy forms developed by nationwide insurance industry organizations.

Significance of Commercial Liability Insurance

Operating a business in a litigious society like we have, greatly increases the chances of a potential claim or lawsuit. It is important for business owners to know they have protection, so they can focus on running their business.

A CGL policy takes the responsibility of covering the injury costs for you and your employees, as well as covering your legal defense cost and settlement.

The most common coverage items are listed below:

Lawsuits
Investigations
Settlements
Injury damages
Punitive damages
Non-monetary damages
Compensatory damages
Losses on rental property
Claims against misleading advertisement
Claims against copyright infringements

If you are wondering how you will determine your coverage needs, it depends upon the nature of your business, its location, and the perceived risk by the business. For example, you need more coverage if you are a building contractor in contrast with the consultant or a web designer. This is because both the businesses have different natures and level of perceived risks.

The benefits of a CGL Policy

Insurance companies understand about you and your company. They view the in depth details of your business including quality control, safety standards, and risk management.

Bodily injury coverage helps in protecting you or the injured party if caused by your business operations.

Personal injury coverage aids in securing you from libel, slander, false arrest and wrongful entry.

Advertising injury compensation covers your legal liability for a wide range of offenses owing to the advertising of your business' services and goods.

The importance or requirements of a CGL policy for a business owner can't be stressed enough. Without any or adequate protection a business owner may face a crippling claim at any time, and this level of uncertainty will make running a business nearly impossible. With the importance of protection adequately understood, insuring an adequate level of level of coverage is the secondary concern. With the help of a qualified agent / broker, business owners can get the coverage and peace of mind to focus on operating.

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Using $ 15,000 Personal Loans For Bad Credit Management Purposes

Getting our hands on a meaningful loan – one that can make a real difference to our financial situation – is not the simplest thing when we have bad credit scores to our name. The perceived risk involved in lending to us is what makes traditional lenders nervous. Well, the good news is that applications for a $ 15,000 personal loan for bad credit management purposes are different to others.

Lenders do not like to think the funds a borrower has taken from them will be spent frivolously. So, there is a major difference between seeking a $ 15,000 loan and a $ 15,000 loan for the express propose of dealing with debts and bad credit issues. Granting approval to clear debts makes sense to them.

But there is never a guarantee of approval, so even with the best intentions, it is important to meet criteria and satisfy conditions. That is why it is worth enhancing your application in simple ways to increase the chances of securing a personal loan.

Making Sure Of Qualification

As already mentioned, it would be foolish to think that getting a $ 15,000 personal loan for bad credit improvement is going to be a walk in the park. Applicants still need to qualify for these loans, and there is a need to prove that the repayments would not be too much to handle either.

Of course, there is nothing new to qualifying for a loan, with applications needing to be 18 or more, be either a US citizen or be legally entitled to reside in the US, and they must prove they have a reliable source of income. In fact, most lenders now set a condition that the applicant be employed full-time for at least 6 months before applying.

Seeking loan approval to clear debts is an impressive purpose in the eyes of any lender, but be aware that only if the loan is affordable will approval be granted. For this to be proven, existing debts need to be low, and for the personal loan repayments to keep the overall debt obligations within the 40:60 debt-to-income ratio.

Improving Your Rating

The challenge of securing a $ 15,000 personal loan (for bad credit borrowers especially) is to show the repayments are affordable. The debt-to-income ratio is significant in that, but a core part of improving that ratio is actually in improving your credit rating.

Accomplishing both comes down to clearing some of your debts. Each debt that is paid off results in the credit score being increased, while the fact that debt is gone means an improvement in the debt-to-income ratio, with extra cash freed up in the process. Taking out a small loan – perhaps a payday loan of $ 500 – can make a difference.

Of course, while seeking approval to clear debts may be a good reason in the first place, the chance of lowering the size of the monthly repayments, and making the larger personal loan affordable, is too good to ignore. …

The Art of Personal Letter Writing: 7 Basic Elements

When was the last time you received a personal letter that was not sent by email, but regular snail mail? What type of attitude did it put you in when you received a nice handwritten letter or note outside of the stack of bills that sometimes become daily accessory items for your mailbox? After retrieving a huge box filled with an array of high school and college items from my mother's house, I found at the very bottom, a smaller box containing letters previously written to me from some of my old friends. There must have been about fifty letters in this box before I discarded them. I couldn't resist this last opportunity to read every one of them again. After about an hour of non-stop reading, I made a cup of hot tea and sat down to continue my journey "back down memory lane." I remember rewriting most of my letters, especially if I made a spelling mistake or if my sentence structure was not as I intended it to be. Judging from the amount of paper I wasted on editing, you would think that I was mailing them to a major book publisher instead of a friend!

Letter writing created a manifestation of memories bridging the distance between the sender and recipient. People were as meticulous about picking out decorative stationary to write their letters on, as much as the letter itself. This connection through written communication promoted the exchange of conversation, creativity and artistic expression.

The standard format that I followed practically every time I wrote a letter to my friends, immediate family who lived out of town, old sweethearts or sometimes some of my favorite teachers, was composed of the following basic elements:

1. The Heading (Name and Address)

2. Date

3. The Greeting (Dear So and So)

4. The Body (The message you are writing to the recipient)

5. The Closing (Sincerely, Yours Truly)

6. Your Signature

7. Post Script (There is the occasional comment that was not mentioned in the Body of your letter, but made after the signature, called the PS or PSS The PSS was an additional post script).

Sometimes on the back flap of the envelope, the writer would put a smiley face or an acronym like SWAK (Sealed With A Kiss) which indicated that a love letter was enclosed.

Penmanship in elementary school was extremely important years ago. It came as a surprise to me and some of my friends who are parents that cursive writing is not taught in most schools anymore. Therefore, the meticulousness and pride taken in one's penmanship is not as evident today as it was when I was growing up. But a personalized letter or note makes you stop, sit down, read and appreciate the thoughtfulness behind the folded message. Personalized letters displayed a unique voice, taste and style. It showed that a lot of thought, even if it was not particularly pleasant, went into the written expression.

So why not do something out of …

Canadian's Personal Finances Fiscal Cliff: Are We There Yet?

Today we hear much talk about the USA's economy approaching the so-called "fiscal cliff." What about your personal financial affairs? Are you at the fiscal cliff as we inch toward 2013? Canadians are swamped in debt. Monthly, we read about the rising debt-to-disposable income ratio that stands now at around the precarious 164% level.

Despite the world and many at home commend our government for its brilliant fiscal management, few warn about the unsustainable personal debt levels. Indeed, our central bank chief, Mark Carney, accepted an appointment to a similar role at the prestigious Bank of England. Will his legacy here be that of hero or villain? Will history show that he held interest rates low for too long, encouraging many folks to take on debt they cannot afford?

To his credit, he, our finance minister, and prime minister have been warning Canadians about these dangerously high personal debt levels. However, Carney could curtail the rise by raising interest rates. Sure, higher rates will dampen current slow economic growth. Even so, I think short-term pain is better than the likely personal finances' crash that might happen if debt remains at present levels, or grows.

What can Canadians do to avoid their fiscal cliff? Let us examine three vital steps.

  1. Accept you are dangerously leveraged.
  2. Set a mechanism in place to live with declining debt
  3. Develop a new vocabulary to guide your behavior

Accept You Are Dangerously Leveraged

You can't solve a problem unless you recognize it. Do you think you are carrying too much debt? Your banker might tell you no; However, you alone can answer this. Take a helicopter view. What are you and your family's emotional responses to your debt? Are you worried? Can't sleep? If yes, you have too much debt. Certainly, look at ratios, but this is the key barometer.

The emotional cost of debt is the first and the most significant cost. If debt is 10% of income, and is causing problems for you or at least one in your family, it is too much. Still, you must accept reality and decide to live with it, take on no more, and start a debt free lifestyle.

If you are a Christian, give this emotional stress to Jesus (Matthew 11:28).

Set A Mechanism In Place To Live With Declining Debt

People are impatient. We live in a now society. Sadly, probably you got into debt over a long period, and it is likely you will get out over an extended time. Accept this fact and learn to live with it.

Develop a strategy to live in your debt. Look at how you got there; draft principles to prevent a recurrence; and then write a financial plan – alone or with help. The plan should show concisely how, by following your principles, you might be debt free in a specific time.

If you got into debt by impulsive spending, you might develop a principle never to buy without a list and a budget. As well, when you …

6 Daily Tasks of Successful Insurance Agents

There is always a price for success in any business venture. Insurance selling is without exception. The price for success is to do things you are not comfortable with. You may experience pain by stretching yourself. You may need to make sacrifices in exchange for the success you want.

Successful insurance agents are aware of the price for success. They know the success of their business relies on their own efforts. They know they need a good work habit to assure their business success.

Highly successful agents organize their efforts and religiously execute their business activities on a daily basis. The following are the 6 daily tasks highly effective insurance agents do:

(a) Planning

Top performing agents can multi-task. They are very good at planning their day. They write the game plan. List out the tasks they want to accomplish. Get started and stay busy with the tasks they assign to themselves.

They are able to identify tasks that give them the highest payoff and maximize activities that support their sales results. They structure their days in such a manner that they get the most out of every hour spent.

(b) Make appointment

The only reason why we do not have any appointment is because we did not make any in advance. We reap what we sow. If we don't make appointment, we have zero appointment.

To top producers, making appointment is a continuous effort. Telephone call is insurance agents' first contact with their potential customers. Knowing how to interact with prospects over the telephone can make a difference when meeting with them face to face.

They may have called many people, yet they can still remain fresh and enthusiastic. They know they have only once chance to create the first good impression. They do not manufacture enthusiasm, they are genuinely excited when talking to people over the phone.

(c) Face to face with customers

Insurance agents are always put to tests when meeting with their prospects. A number of skill sets are being evaluated when they are up close and personal with their prospects. Doing homework is a must prior to meeting with the customers.

Their ability to build trust with prospects, their tactfulness to move from one phase of the sales process to another, their creative way to arouse interest, their attention to details when listening to customers' concerns, their problem solving skills etc are all always scrutinized by their customers.

To high flying agents, the biggest contributor to success will be the amount of time they spend communicating with customers face to face. It is important for them to be in front of their prospects as often as they can.

(d) Getting referral

Top producing agents always have their pipelines filled with referrals. They always have someone else to see at the end of every appointment. To them, getting referrals is not a nice-to-do but a must-do daily task. That explains why they never run out of prospects.

To earn referrals, they make sure they do fantastic …

Secure The Right Bad Credit Personal Loans For Your Needs

There are all types of different situations when it comes to anyone's personal finances. There are different level incomes, different sized families, and of course many people suffer financial hardship and bad credit ratings. Does that mean you have to give up all hope in trying to get bad credit personal loans? On the contrary, you can still secure a personal loan that will give you the funds you need to take care of unexpected expenses, achieve your goals, or consolidate bills.

Many people think that their options are payday loans, but there are installment loan companies ready to loan up to $ 10,000 and sometimes even more, even to people with bad credit. There are other qualifications, such as length of employment and wage history as well as length of residency and references. If they can tell you're an established person and you at least have something that indicates that your credit is turning around, you are going to have a good chance.

You can also get bad credit personal loans in the form of credit cards. While credit cards have a high interest rate, a lot of times so do bad credit personal loans. That is why credit cards are also a good idea, and that is also why you have to make sure that you look at all the terms and conditions. You may have to get a credit card that has a limit defined by how much money you have on deposit with the issuer, but the good news is that using and paying that credit card on time is going to go a long ways towards removing that bad credit label.

For sure many people know there are bad credit loans available, but the worst part of that is the ones that make sure they get people attentions are the ones that are trying to dupe you. You don't want to fall for these. Don't go for the secured loans and cards except for as a last resort. You should be able to find a good loan with solid terms.

Check out consumer reviews, and if you see that a particular company is getting rave reviews for loans, then you need to check them out. The companies that advertise a steep interest in helping you build your credit are the ones that you should pay attention to the most. Be sure that you're considering what everyone has to say about these types of loans.

This advice also applies to people who are seeking personal loans when they have no credit. This is almost a catch-22 situation, since you can't get a credit rating if you can't get a loan but can't get a loan if you don't have a credit rating. So yes, there are also companies, many of them the same companies, who will grant you a favorable rate on a loan if you have no credit.

Payday loans have been mentioned, and of course they go up to around $ 1500 dollars at …

The 10 Great Strategies On How To Improve Your Personal Finance Immediately

1. Know your current financial standing.

Before you can make any plans to save for any activity, be it for your children's education, retirement or buy that dream home, you need to know where you stand financially today. You may need to take the trouble of getting a financial planner if you do not know how to create a financial plan. If you do know how to create a financial plan then you can save a fair bit of money in engaging a financial planner.

2. Save regularly.

Getting into the habit of saving is a good virtue. You will never know when you are in dire need of that extra cash when unforeseen events happen like job retrenchment or a loved one becomes ill which requires a lot of medical attention incurring high medical costs. As a guide it is a must for you to have set aside 3-6 months of your current salary to meet emergency needs.

3. Control your cash flow.

No matter how rich you are, you must be able to control your cash flow. The simple rule is what comes into your pocket needs to be more than what goes out of your pocket. You need to be aware which item is giving you income and what is causing you to spend.

4. Reduce your expenses

Start by keeping track of your daily, weekly then monthly expenses. Find those expenses that are not a necessity and eliminate them. A good example of this is paying for magazine subscriptions which you do not read. When you have identified all these items that are not worth your dollar, you can greatly reduce your expenses by 25-30%. It is advisable to only have one credit card so that you can better track your expenses. Make sure you pay the full amount by the due date of every credit card invoice before it snowballs into an incredible debt.

5. Review your debts

As a rule of thumb, your debt incurrence should not exceed 30-35% of your total income. Gambling and vices are good candidates that can lead you into debt. Poor money management can also lead you into debt even you could have struck the 2 million lottery or inherited a big wealth from your relative.

6. Be frugal but not stingy

Only purchase goods when it gives you good value for your money. It is wise if you know when to buy something of quality and pay a premium versus when to buy something less branded but still serves the same purpose as a branded item. If you were to always choose the items based on cheap pricing, that item could fail in a short time causing you to purchase another, this will lead you into greater expenses than you originally did not anticipate. You will also be labeled as someone who is stingy, not willing to spend the money when it is absolutely necessary.

7. Review your investment portfolio

If you have invested in stocks, mutual funds …

Personality Traits Of A Good Personal Trainer

Have you been thinking of what career path to follow and you are finding yourself drawn to personal training? What draws you to this profession? What makes you think that you are going to be a great personal trainer? People who are successful at training others in the fitness industry have certain personality traits which make them the best of the best. In order to succeed, you will want to identify if you have some or all of these traits.

The first thing that you are going to need to be an effective and successful personal trainer is being interested in other people. Trainers tend to want to know about people, they are genuinely interested in what makes people tick and this helps them develop a tailored training program that focuses on each individual clients moving forward.

Next you need to have the unique ability to build trust with others and you need to be able to do it quickly. You should be able to gain respect within the shortest period of time and get your clients to trust you and what you do, so that they can start working on their fitness goals and achieving results without delay.

You should have the ability to inspire others around you. In order to really help your clients reach their fitness goals, you should be able to motivate and inspire them. This means living what you preach, so to speak. You need to follow a healthy lifestyle, you need to be fit and you need to be able to show your clients what they can achieve now and in the future.

Further, you need to have a good memory. This means that you will need to remember names, so when you walk past one of your clients in the street or as they enter the gym, you want to be able to greet them by name, make them see you pay attention to them and their success and help them gain confidence in you and what you do.

Being a personal trainer is more than simply pushing your clients throughout each work out, you should also be able to put them at ease. A client using new equipment for the first time or trying to complete a hard work out is going to get stressed and you want to help them complete the task with complete peace of mind, knowing you are on hand when and as they need you.

In addition to this, you need to be completely confidential with your clients, you want to become a confidant. Think of your doctor, they will not share information with anyone and you need to do the same. Your clients need to now that they can trust you and what they tell you during training in confidence should remain private.

Listening skills is imperative to this type of work. It helps you understand your clients and develop a program to help them succeed. Good listening skills can go a long way in ensuring …

Why You Should Examine Your Personal BELIEFS?

When was the last time, you took the time, and made a concerted effort, to give yourself, a thorough, check – up, from the neck – up, and examined, why you possess your personal BELIEFS, and whether, they are beneficial to you, and in your own, best interests? As I think, I am , are wise words, which often, tell us, we need, to pay far more attention, to our overall attitude, and whether we perceive obstacles, as problems, or challenges, to overcome! Henry Ford is often credited with saying, You can think you can, or can't. Either way, you'll be correct. What do you, in your, heart – of – hearts, actually, believe, and, why? With that in mind, this article will attempt to, briefly consider, examine, review, and discuss, using the mnemonic approach, what this means and represents, and why, it's wise to thoroughly consider.

1. Benefits; better / best; brighten your day: What do you do, on a regular basis, to proactively, brighten, your day? How might you proceed, in a better way, in order to bring out, your personal best? Do you perceive every challenge, idea, and / or possibility, from a benefits – perspective?

2. Energy / energize; enrich: Does the level of your personal energy, enrich you, or does it, tend to harm your overall efforts, and effectiveness? Shouldn't your overall focus, priority, and emphasis, be, on ways, to energize you, in a positive, more productive manner?

3. Listen; learn: Will you permit, yourself, to admit, you don't have, all the answers? Will you listen to others, in an objective, open – minded, way? How might you, transform effective listening, to relevant learning, from every conversation, and experience, in order to proceed, with a far greater degree of true judgment, and hopefully, wisdom?

4. Integrity; imagination; innovate; ideals; ideas: Never sacrifice your genuine integrity, for the sake of temporary convenience, etc! Instead of perceiving problems, proceed with a well – developed imagination, so you are ready, willing and capable of innovating, on your own behalf! Align quality ideals, with well – considered, relevant ideas, so you might be more capable of being, the best, you can be!

5. Excellence; endure: Never give up! Those who endure, despite every – day obstacles, enhance their potential, and possibilities, to proceed, with their best efforts, and utmost degree of genuine excellence!

6. Future; face facts: It's great to be positive, and open – minded, but avoid wearing rose – colored – glasses ! When you face the facts, directly, you bring forth, a finer future!

7. Solutions / solve; system; strengths / stronger; sustain: Don't sweat the petty stuff, but seek to sustain, your finest future! Solve challenges, with viable solutions, and perceive and conceive of, create, develop, and institute your finest system, which will work for you!

Examine your personal BELIEFS, and focus, on the best way, to proceed! Will you become your own, best friend?

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