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    What is My Calling?
    “What is my calling?” Do any of us really have complete clarity about our life calling? Even those of us with the knowingness we must teach, write or sing may often ask, “What direction am I to go, now?” How do we answer these soulful questions?Richard Bolles, author of “What Color is My Parachute?” and the granddaddy of the employment industry says, when people are asked what they would like to do they often respond with “I don’t know.” Bolles maintains this is because people interpret the question to be “What am I going to do with the rest of my life?”This question is too big, too daunting, immobilizing people. Instead, remind yourself that the career journey is much like driving a car in the fog. Sign posts arrive at the crossroads and we can reach our destination despite the fog. Instead of worrying ourselves with not having the answer to our career/path questions (that perhaps, can only be revealed as we grow into them) what if we simply looked for the slender threads?Slender Threads at WorkAs Robert Johnson, says in “Balancing Heaven and Earth,” slender threads are about “being in a particular place at just the right time, meeting someone who steers you in an unforeseen direction, the unexpe
    he owners obtain the long-awaited planning permissions, big projects collapse due to the local council rejecting the development proposal. Although this is a slightly exaggerated view, as UK’s example is a good one to follow because rules must be in place to avoid chaotic development, Romania is situated at the other extreme. Current process for obtaining planning permissions is rather straightforward and is not likely to hit any problems when going through the administrative hoops. This situation might change in the future, but for the time being does influence the price of land, see below.
  • The land – due to the relatively easy process required to obtain planning permission, virtually any plot of land in Romania can be transformed from agricultural to housing . As a result, any land bought in the vicinity of cities is likely to be part of a satellite village in 10-20 years time (see the expansion of cities below), with its value likely to increase accordingly. Prices already increased over the past few years and particularly over 2006, for all types of land but, with current prices still as low as a few Euros per square meter for larger plots, this is yet another guaranteed investment that should be considered.
  • The workforce migration – the Romanian workforce market is currently i
    Loans for Tenants With Bad Credit
    Most of the loan providers offer loans to people who can offer their home as security or in simple words, these lenders are more interested in offering secured loans, so they do not accept applications from tenants. But there are lenders who offer bad credit tenant loans to tenants without taking any collateral and inspite of bad credit history. So, if you are a tenant staying in a private house or an association building or even if you are staying with your parents and you have a bad credit record, you can still opt for bad credit tenants loans.Bad credit tenant loans are unsecured loans offered by loan service providers without taking any asset as security to council or private tenants and people living with parents who have an adverse credit history or a poor credit rating.Tenant loans can be customized according to your requirements and can be used for any purpose: a holiday, debt consolidation, or for a new car, the choice is yours. Infact, there is a hidden advantage of bad credit tenant loan-by making timely payments and avoiding any defaults, you can actually improve your credit record, which will help in future requirements of loans.In case of any secured loan, lenders’ risk gets reduced due to collateral offered by th
    Why should you invest in Romania? Is it still worth going to the Eastern Europe for a good property deal? On a market flooded by overseas alternatives, from Spain and Italy to Eastern Europe and the Middle East, are there any particular reasons why investors should focus their attention on the Romanian market? You can find below a brief list of issues that are likely to bias you towards Romania; in order to avoid over-praising, I’ve done my best to spice each of the listed advantages with a few bureaucratic hurdles or thorny issues.

    Now let’s see the ten reasons:

    1. The housing market – the Romanian real estate market is still in its infancy. This makes some of the housing prices rather volatile, particularly in the sought-after areas – large cities, seaside, sky resorts, but overall the prices keep increasing. Compared to the number of properties available, there is a high number of agencies, situation that fragments the market. However, several large estate agents, such as Regatta and Eurisko, strengthened their position over the past year and more and more web sites advertising properties, typically for individuals, started to appear. Coming back to the volatility of the market, on the negative side you might be quoted very different prices for the same house or flat, but on the positive side, with a bit of shopping around, you are guaranteed to find very good value for your money.
    2. The pricing – year after year, predictions indicate that there is still room for growth for the house pricing. With a housing market offer well under the needs of the population, the only way is up for the available properties. It is true, you will not find anymore the heavily advertised ?10000 flats in the centre of Bucharest, but there are plenty of good deals to be made. Bear in mind, the prices did increase by approximately 50% over 2006, but the predictions made early last year by the "A place in the sun" UK TV show aimed towards 400% over the following five years, so this is clearly only the beginning (apparently this year's series of the show will see Romania drop to 8th place, but this is mainly due to Romania's real estate marketbeing still in its infancy, which was already acknowledged above)
    3. The ‘other’ cities. The standard foreign investor looks at Bucharest as the only alternative; this makes the housing request rather uneven – opportunities still exist on the capital city, but the market becomes rather crowded. Large cities around Romania do witness similar growth in the housing prices, but properties there are far more affordable than the ones in Bucharest. While prices are not likely to reach similar levels to Bucharest, smaller investors may find better value by looking away from the capital. Two good examples of such cities are Cluj and Sibiu, both with good development projects currently underway. While Bucharest gets saturated, Sibiu slowly becomes a powerful financial centre and Cluj concentrates the business from the Transylvanian area.
    4. The new developments – very few blocks of flats were built over the past 18 years in Romania. After a booming period for all types of construction during the Ceausescu era, the lack of coordination and investment led to a virtually dead period in terms of new developments. Another phase started over the past couple of years, with a large number of projects aimed at the upper class (see the Monte Carol Palace or Orhideea Gardens projects). Whole areas were covered with villas around the large cities (Corbeanca and Jilava being two of the examples near Bucharest), blocks with expensive fittings and close circuit facilities were built nearby lakes or parks in the centre of Bucharest - the Monte Carol Palace mentioned above. Time has now come for massive projects aimed at the middle class (with a family income around ?800-1000/month), affordable, no-thrills flats; the Vitan Platinum Towers development project, currently seen as 'the star' of most real estate enquiries, is only a drop in the ocean when compared to the current market needs. It is therefore common sense that hundreds similar projects are likely to appear in the next few years aiming to rebalance the market.
    5. The legislation – as all countries exiting the communist era, Romania is famous for bureaucracy (also likely to be influenced by the Latin spirit); the oddly shaped queue (thinner towards the end and very thick when approaching the teller) is the norm for any government-related service. In spite of this, the inventive Romanian spirit led to a parallel service industry developed over the past years, ready to provide investors with a “complete package”, including ready-made forms, people queuing to get all the paperwork sorted, and well-oiled clerks and civil servants. While this is not how business should be done, such agencies will guarantee you a swift resolution of all required paperwork, reducing the process from months to days.
    6. The planning permission – the biggest hurdle for the UK housing market must be planning permission – plots of land quadruple their value when the owners obtain the long-awaited planning permissions, big projects collapse due to the local council rejecting the development proposal. Although this is a slightly exaggerated view, as UK’s example is a good one to follow because rules must be in place to avoid chaotic development, Romania is situated at the other extreme. Current process for obtaining planning permissions is rather straightforward and is not likely to hit any problems when going through the administrative hoops. This situation might change in the future, but for the time being does influence the price of land, see below.
    7. The land – due to the relatively easy process required to obtain planning permission, virtually any plot of land in Romania can be transformed from agricultural to housing . As a result, any land bought in the vicinity of cities is likely to be part of a satellite village in 10-20 years time (see the expansion of cities below), with its value likely to increase accordingly. Prices already increased over the past few years and particularly over 2006, for all types of land but, with current prices still as low as a few Euros per square meter for larger plots, this is yet another guaranteed investment that should be considered.
    8. The workforce migration – the Romanian workforce market is currently in
      Work From Home, Why and How?
      I am the owner of a work from home 4 dollars.com and I imagine if you are like me that you have a good idea as to why, but most like myself don’t really know how. First lets begin with the why we would want to Work From Home. I have listed below a few reasons why you would want to work from home and They are as follows:* More time with the family.* Less stressful atmosphere.* Want to make some extra money to pay the bills.* Out of work for any reason and simply need some income fast!* Money for medical bills.* Maybe you would like to be able to let your kids join more activities.* Want to be a Stay at Home Parent, whether it is Mom or Dad.* Want to have the ability to help your favorite charities more.* Need more flexible hours due to your schedule.* Just want to be you own boss for a change.* Maybe you are retired and need more money to pay for things like medical bills or medicine.* Would like to be able to live the American dream for once in your life.I have listed just a few and I know there are many others. What are yours? I was reading the above list and I felt like most of them applied to me. I’m sure many of you want the same things I do. The good n
      with a bit of shopping around, you are guaranteed to find very good value for your money.
    9. The pricing – year after year, predictions indicate that there is still room for growth for the house pricing. With a housing market offer well under the needs of the population, the only way is up for the available properties. It is true, you will not find anymore the heavily advertised ?10000 flats in the centre of Bucharest, but there are plenty of good deals to be made. Bear in mind, the prices did increase by approximately 50% over 2006, but the predictions made early last year by the "A place in the sun" UK TV show aimed towards 400% over the following five years, so this is clearly only the beginning (apparently this year's series of the show will see Romania drop to 8th place, but this is mainly due to Romania's real estate marketbeing still in its infancy, which was already acknowledged above)
    10. The ‘other’ cities. The standard foreign investor looks at Bucharest as the only alternative; this makes the housing request rather uneven – opportunities still exist on the capital city, but the market becomes rather crowded. Large cities around Romania do witness similar growth in the housing prices, but properties there are far more affordable than the ones in Bucharest. While prices are not likely to reach similar levels to Bucharest, smaller investors may find better value by looking away from the capital. Two good examples of such cities are Cluj and Sibiu, both with good development projects currently underway. While Bucharest gets saturated, Sibiu slowly becomes a powerful financial centre and Cluj concentrates the business from the Transylvanian area.
    11. The new developments – very few blocks of flats were built over the past 18 years in Romania. After a booming period for all types of construction during the Ceausescu era, the lack of coordination and investment led to a virtually dead period in terms of new developments. Another phase started over the past couple of years, with a large number of projects aimed at the upper class (see the Monte Carol Palace or Orhideea Gardens projects). Whole areas were covered with villas around the large cities (Corbeanca and Jilava being two of the examples near Bucharest), blocks with expensive fittings and close circuit facilities were built nearby lakes or parks in the centre of Bucharest - the Monte Carol Palace mentioned above. Time has now come for massive projects aimed at the middle class (with a family income around ?800-1000/month), affordable, no-thrills flats; the Vitan Platinum Towers development project, currently seen as 'the star' of most real estate enquiries, is only a drop in the ocean when compared to the current market needs. It is therefore common sense that hundreds similar projects are likely to appear in the next few years aiming to rebalance the market.
    12. The legislation – as all countries exiting the communist era, Romania is famous for bureaucracy (also likely to be influenced by the Latin spirit); the oddly shaped queue (thinner towards the end and very thick when approaching the teller) is the norm for any government-related service. In spite of this, the inventive Romanian spirit led to a parallel service industry developed over the past years, ready to provide investors with a “complete package”, including ready-made forms, people queuing to get all the paperwork sorted, and well-oiled clerks and civil servants. While this is not how business should be done, such agencies will guarantee you a swift resolution of all required paperwork, reducing the process from months to days.
    13. The planning permission – the biggest hurdle for the UK housing market must be planning permission – plots of land quadruple their value when the owners obtain the long-awaited planning permissions, big projects collapse due to the local council rejecting the development proposal. Although this is a slightly exaggerated view, as UK’s example is a good one to follow because rules must be in place to avoid chaotic development, Romania is situated at the other extreme. Current process for obtaining planning permissions is rather straightforward and is not likely to hit any problems when going through the administrative hoops. This situation might change in the future, but for the time being does influence the price of land, see below.
    14. The land – due to the relatively easy process required to obtain planning permission, virtually any plot of land in Romania can be transformed from agricultural to housing . As a result, any land bought in the vicinity of cities is likely to be part of a satellite village in 10-20 years time (see the expansion of cities below), with its value likely to increase accordingly. Prices already increased over the past few years and particularly over 2006, for all types of land but, with current prices still as low as a few Euros per square meter for larger plots, this is yet another guaranteed investment that should be considered.
    15. The workforce migration – the Romanian workforce market is currently i
      Word of Mouth Advertising is Not FREE
      It has been said by many a marketing consultant and book writer on the subject that Word of Mouth Advertising is great, but they warn; It Does Not Just Come Out of Thin Air. In fact they are correct, it does not come out of thin air, no sir, you get word-of-mouth advertising, referrals and customer volunteered testimonials being uttered around town the old fashion way; you earn it.You earn it and create a “customer salesman” as I call them when you give customer service, which exceeds expectations and when you have done everything else along the way in your business marketing plan correctly.You see, this is hardly free and no it does not come out of thin air as the marketing gurus tell us or warn us. You must earn it and it does cost money, but it is worth every penny too. Additionally you can create word-of-mouth advertising without ever servicing the particular customer running around town bragging about your Great Company.In fact once the Buzz gets going, it gets harder and harder to stop and you would swear every employee at your company is ten-foot tall. The trick is to live up to and try to go beyond all the hoopla that people are talking about when mentioning your company name.Customer Service is the key to keepin
      likely to reach similar levels to Bucharest, smaller investors may find better value by looking away from the capital. Two good examples of such cities are Cluj and Sibiu, both with good development projects currently underway. While Bucharest gets saturated, Sibiu slowly becomes a powerful financial centre and Cluj concentrates the business from the Transylvanian area.
    16. The new developments – very few blocks of flats were built over the past 18 years in Romania. After a booming period for all types of construction during the Ceausescu era, the lack of coordination and investment led to a virtually dead period in terms of new developments. Another phase started over the past couple of years, with a large number of projects aimed at the upper class (see the Monte Carol Palace or Orhideea Gardens projects). Whole areas were covered with villas around the large cities (Corbeanca and Jilava being two of the examples near Bucharest), blocks with expensive fittings and close circuit facilities were built nearby lakes or parks in the centre of Bucharest - the Monte Carol Palace mentioned above. Time has now come for massive projects aimed at the middle class (with a family income around ?800-1000/month), affordable, no-thrills flats; the Vitan Platinum Towers development project, currently seen as 'the star' of most real estate enquiries, is only a drop in the ocean when compared to the current market needs. It is therefore common sense that hundreds similar projects are likely to appear in the next few years aiming to rebalance the market.
    17. The legislation – as all countries exiting the communist era, Romania is famous for bureaucracy (also likely to be influenced by the Latin spirit); the oddly shaped queue (thinner towards the end and very thick when approaching the teller) is the norm for any government-related service. In spite of this, the inventive Romanian spirit led to a parallel service industry developed over the past years, ready to provide investors with a “complete package”, including ready-made forms, people queuing to get all the paperwork sorted, and well-oiled clerks and civil servants. While this is not how business should be done, such agencies will guarantee you a swift resolution of all required paperwork, reducing the process from months to days.
    18. The planning permission – the biggest hurdle for the UK housing market must be planning permission – plots of land quadruple their value when the owners obtain the long-awaited planning permissions, big projects collapse due to the local council rejecting the development proposal. Although this is a slightly exaggerated view, as UK’s example is a good one to follow because rules must be in place to avoid chaotic development, Romania is situated at the other extreme. Current process for obtaining planning permissions is rather straightforward and is not likely to hit any problems when going through the administrative hoops. This situation might change in the future, but for the time being does influence the price of land, see below.
    19. The land – due to the relatively easy process required to obtain planning permission, virtually any plot of land in Romania can be transformed from agricultural to housing . As a result, any land bought in the vicinity of cities is likely to be part of a satellite village in 10-20 years time (see the expansion of cities below), with its value likely to increase accordingly. Prices already increased over the past few years and particularly over 2006, for all types of land but, with current prices still as low as a few Euros per square meter for larger plots, this is yet another guaranteed investment that should be considered.
    20. The workforce migration – the Romanian workforce market is currently i
      Making Money - It is All in Your Mind
      Making money is 90% thought and 10% know-how. When I work with clients, I find the first major hurdle to overcome is their belief system governing money.To change your financial position, the first thing you need to do is examine your attitude, beliefs and thoughts about money. It is only the belief that money is a scarce resource that makes you feel inadequate to create more to achieve financial freedom.The belief that money is a scarce resource is fundamentally unsound. From basic economics we know this. If money was a scarce resource, economies would never increase or decrease - only the wealth distribution would change. What causes economies to grow is the relative output and productivity of the country.To cultivate “right thinking” regarding money, you need to reassure yourself that there is always plenty of money. Have you ever stopped to imagine how much money there is in the world today? How many hundreds of thousands of billions of dollars? There is definitely no scarcity of money. What you need is to change your perception of how money can be made available to you. Instead of worrying about how little money you have, you need to be saying, “How can I create more money today?” You need to expand rather than contract.itan-platinum-towers-a-new-residential-development-in-the-centre-of-bucharest/" target="_blank">Vitan Platinum Towers development project, currently seen as 'the star' of most real estate enquiries, is only a drop in the ocean when compared to the current market needs. It is therefore common sense that hundreds similar projects are likely to appear in the next few years aiming to rebalance the market.
    21. The legislation – as all countries exiting the communist era, Romania is famous for bureaucracy (also likely to be influenced by the Latin spirit); the oddly shaped queue (thinner towards the end and very thick when approaching the teller) is the norm for any government-related service. In spite of this, the inventive Romanian spirit led to a parallel service industry developed over the past years, ready to provide investors with a “complete package”, including ready-made forms, people queuing to get all the paperwork sorted, and well-oiled clerks and civil servants. While this is not how business should be done, such agencies will guarantee you a swift resolution of all required paperwork, reducing the process from months to days.
    22. The planning permission – the biggest hurdle for the UK housing market must be planning permission – plots of land quadruple their value when the owners obtain the long-awaited planning permissions, big projects collapse due to the local council rejecting the development proposal. Although this is a slightly exaggerated view, as UK’s example is a good one to follow because rules must be in place to avoid chaotic development, Romania is situated at the other extreme. Current process for obtaining planning permissions is rather straightforward and is not likely to hit any problems when going through the administrative hoops. This situation might change in the future, but for the time being does influence the price of land, see below.
    23. The land – due to the relatively easy process required to obtain planning permission, virtually any plot of land in Romania can be transformed from agricultural to housing . As a result, any land bought in the vicinity of cities is likely to be part of a satellite village in 10-20 years time (see the expansion of cities below), with its value likely to increase accordingly. Prices already increased over the past few years and particularly over 2006, for all types of land but, with current prices still as low as a few Euros per square meter for larger plots, this is yet another guaranteed investment that should be considered.
    24. The workforce migration – the Romanian workforce market is currently i
      Carpet Cleaning Marketing 101
      If you follow these few key guidelines, you'll greatly increase the profitability of your marketing. Advertising can be tough, especially for owners of carpet cleaning companies. You know you have to advertise if you want to grow, but what else can you say in an ad besides how cheap your services are?Most ads are based on low price. Using a competitive price is a good way to gain attention. However, it confuses your prospect when all advertising messages about carpet cleaning are based on price. She wonders what makes your company unique. Use this to your advantage.How to differentiate yourself from the competition It's your job to tell your prospect how you are different. You have to develop a unique selling proposition (USP) that is completely unique to your company. It states what you do that it different from any other cleaner in your market. Spend some time figuring out what you do that's different.Ask yourself: What do your clients say they like about your service? How do you make your clients feel? What problems do you solve for your client? Having a USP other than "We're Cheap" will tell your prospect that you're different from other cleaners. You'll be able to charge higher prices and book mor
      he owners obtain the long-awaited planning permissions, big projects collapse due to the local council rejecting the development proposal. Although this is a slightly exaggerated view, as UK’s example is a good one to follow because rules must be in place to avoid chaotic development, Romania is situated at the other extreme. Current process for obtaining planning permissions is rather straightforward and is not likely to hit any problems when going through the administrative hoops. This situation might change in the future, but for the time being does influence the price of land, see below.
    25. The land – due to the relatively easy process required to obtain planning permission, virtually any plot of land in Romania can be transformed from agricultural to housing . As a result, any land bought in the vicinity of cities is likely to be part of a satellite village in 10-20 years time (see the expansion of cities below), with its value likely to increase accordingly. Prices already increased over the past few years and particularly over 2006, for all types of land but, with current prices still as low as a few Euros per square meter for larger plots, this is yet another guaranteed investment that should be considered.
    26. The workforce migration – the Romanian workforce market is currently in turmoil. A part of the workers are looking into migrating abroad and most of the ones that want to remain in Romania challenge their employers for western European wages. One of the heavily discussed results of the EU integration was a possible exodus of workforce towards the Western Europe. Without debating whether this will have a positive or negative impact on the foreign economies, the Romanian economy already sees the changes brought by the migrating workforce. Returning temp workers bring back their economies, boosting the prices particularly during the holiday periods. The economy overall strengthens due to this welcomed influx of capital, situation likely to grow in the future. Further, the employees and unions pressure is likely to push the salaries up over the next few years. What will happen then – the house market prices will raise, once again!
    27. The expansion of cities – the creation of the Bucharest Metropolitan Area is underway and it won’t be long before other large cities will follow its example. The under-developed villages around these cities will go through substantial changes, with derelict dwellings likely to transform into villas and whole agricultural plots nearby becoming new housing districts. With city prices currently reaching hundreds of euros per square meters in all major Romanian cities, these plots will be the only alternative in the near future for small investors aiming to be within commuting distance from city centres.
    28. The developing road infrastructure – it is difficult to see the positive side of a big disadvantage. The lack of motorways and well-built roads in Romania makes transport a challenge and commuting an utopia, but the situation will change. Rather slowly until now, with only one undergoing motorway and another one ready to start, hopefully faster in the near future, under the scrutiny of the EU, the motorway infrastructure will improve substantially over the next years. Why is this important for housing? We can see this very well in the UK – being next to a busy road will have a negative impact on the interest for a property, but being in the middle of nowhere does not make wonders for the price tag of a house, particularly for working couples. The ongoing motorway mentioned above has already had a strong positive impact on the prices nearby the city of Oradea, and this is likely to repeat when further motorways will appear on the map. Therefore, buying land in the vicinity of soon-to-start major road developments, either for housing or for industrial projects, is likely to be a very good investment.
    Concluding, Romania is going through quite a few changes these days - economical, social, political, even cultural, all likely to impact on the already booming market. Aside from the comments made in the last reason, the potential investors will not get an easy ride, as they might find that projects might take longer to complete; further, salary increases, motorway construction, and city expansions will not happen overnight in an environment still stained by bureaucracy. However, properties offering good value for money are definitely out there, ready for all types of investors.

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