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But that doesn't mean you can't create an environment,[link widoczny dla zalogowanych], See all Articles by Reid PetersonSee Reid Peterson's Expert PageGet Updates on ManifestationGet Updates on Reid Peterson Average: 4 Your rating: None Average: 4 (3 votes) Tweet The other night, I caught myself in the act of focusing on a “lack of. it’s more important than ever to focus on maintaining a balanced life,[link widoczny dla zalogowanych], Focused action is always the remedy for worry and stress. then make 2011 the year you become the person you want to meet. then ask yourself:
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I cannot tell you how much fun it is to watch someone that has no fear; someone who comes from a place of entitlement that has nothing to do with anyone else’s sense of worth. Do I have a playfulness and joy that encourages others to play along and explore?
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Former U.S. Major Leaguer Park Chan-ho has been released by his Japanese club Orix Buffaloes after a fairly lackluster season. The Buffaloes announced on their website on Monday that they had notified three players,[link widoczny dla zalogowanych], including Park,[link widoczny dla zalogowanych], of the club's decision not to re-sign them. Park played in seven games this season,[link widoczny dla zalogowanych], registering one win and five losses,[link widoczny dla zalogowanych], and posting an earned run average of 4.29.
The Japanese outfit had high hopes of Park,[link widoczny dla zalogowanych], the winningest Asian pitcher in MLB with 124 career wins and an ERA of 4.36,[link widoczny dla zalogowanych], when it acquired him in December. But Park struggled to adjust to the different regulations of the Nippon Professional Baseball,[link widoczny dla zalogowanych], and soon ended up dividing his time between the first and second leagues. An injury to his thigh at the end of June practically ended his season.
It is now uncertain whether Park will continue to remain active or retire. In order for him to play in Korea,[link widoczny dla zalogowanych], he needs to join the 2013 draft,[link widoczny dla zalogowanych], and it would seem unlikely for him to hunt for a new employer in Japan given his disappointing season there.
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The Korea Atomic Energy Research Institute said on Monday that it signed a deal with the association of Jeonju bibimbap producers to transfer its techniques for making bibimbap adapted to suit conditions in outer space.

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Korea tops none of 99 government-designated next-generation technologies in the world, a lawmaker disclosed Monday,[link widoczny dla zalogowanych], based on information submitted by the Ministry of Science and Technology. Assemblyman Kim Nak-soon of the ruling Uri Party made the disclosure in the course of a parliamentary audit of the Science and Technology Ministry. The U.S. tops 88 technologies,[link widoczny dla zalogowanych], while Japan and Europe top 16 each,[link widoczny dla zalogowanych], according to the ministry data.
In an effort to realize five major national objectives,[link widoczny dla zalogowanych], the ministry designated 99 core next-generation technologies and compared South Korea's development levels against world leaders. With the U.S.'s technological excellence in the 99 fields benchmarked at 100 in the survey,[link widoczny dla zalogowanych], Korea scored 65.1 percent,[link widoczny dla zalogowanych], with an average technological gap of 5.8 years. Assessed to be most lagging was meteorology adjustment technology,[link widoczny dla zalogowanych], which scored only 20 percent.
Assessed to be the most difficult to achieve among the five major national objectives was national security and status elevation,[link widoczny dla zalogowanych], which scored 53.9 percent with a technological gap of 9.4 years. The field among the five objectives that came closest to being first in the world was information,[link widoczny dla zalogowanych], knowledge and intellectual society,[link widoczny dla zalogowanych], which scored 71.6 percent with a technological gap of 3.4 years. Most developed was digital broadcasting technology,[link widoczny dla zalogowanych], which scored 85.6 percent.
The five major national obejctives are information, knowledge and intellectual society; healthy living; environmental innovation and environment-friendly energy; value creation for base industries; and national security and status elevation.
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Born in 1979, Noh majored in Child and Family Studies at Kyunghee University and in 2003 started as a presenter on public channel KBS, and has since risen to a preeminent role.

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For the first time in the 70-year history of Japanese professional baseball,[link widoczny dla zalogowanych], the players have gone on strike.
All Japanese professional baseball games have been canceled this Saturday and Sunday after the players staged an unprecedented walkout,[link widoczny dla zalogowanych]. Negotiations to avert a strike of the country's most popular sport failed late Friday,[link widoczny dla zalogowanych].
The players' union is demanding that a planned merger of two teams be postponed,[link widoczny dla zalogowanych], or that a new franchise be allowed to take the place of the team scheduled to be eliminated in the merger. The merger will reduce the number of teams in the Pacific League from six to five.

The chairman of the Professional Baseball Players Association, Atsuya Furuta,[link widoczny dla zalogowanych], calls the strike unavoidable.
Mr. Furuta says although a lot of fans signed petitions opposing the merger,[link widoczny dla zalogowanych], the players were unable to convince management to hold off on the realignment. He also apologizes to those who were looking forward to enjoying the cancelled games.

At the heart of the matter is the planned merger between the Orix Blue Wave and the Kintetsu Buffaloes. During Friday's talks,[link widoczny dla zalogowanych], Nippon Professional Baseball, the sport's governing body, reiterated that it would not accept the players' demand for a one-year freeze on the merger.
Atsuya Furuta/AP
The Kintetsu team has reportedly been losing more than US$35 million a year,[link widoczny dla zalogowanych], and the owners say they cannot put the merger off for another year. The merger could eliminate as many as 100 players and personnel.
Twelve games scheduled for this Saturday and Sunday, including those involving teams battling for league championships in the Central and Pacific Leagues, were canceled. The players have threatened not to show up for any Saturday and Sunday games through the rest of the season unless a settlement with the owners is reached.
Players had originally been set to strike the previous week,[link widoczny dla zalogowanych], but a walkout was averted at the last hour after two days of negotiations and a new deadline was set.
The players union is also angry that owners will not allow new teams to be created in time for next season.
Two Internet companies headed by entrepreneurs in their 30s have applied separately to establish new franchises,[link widoczny dla zalogowanych]. But many of the existing club owners have resisted allowing in the upstarts,[link widoczny dla zalogowanych].
The major resistance comes from 78-year-old Tsuneo Watanabe, chairman of the Yomiuri media conglomerate,[link widoczny dla zalogowanych], which owns the country's most popular and profitable club, the Giants of the Central League.
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Born in 1979, Noh majored in Child and Family Studies at Kyunghee University and in 2003 started as a presenter on public channel KBS, and has since risen to a preeminent role.

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Here’s a tip. The difference between giving away good value and not giving away too much is to give them the steps or give them good information,[link widoczny dla zalogowanych], but to obviously not tell them exactly how to do everything. Don’t give the exactly how. Give them the what. Give them the why it’s important,[link widoczny dla zalogowanych], but not the exactly how.
Then,[link widoczny dla zalogowanych], once you’ve selected your topic that they would say yes to, choose from talking about your proprietary system, telling your story and giving some tips, or content based on a Q&A style interview. The key is at the end of any type of IFO that you have give them an offer for deeper learning or give them a call to action to work with you. If you do this,[link widoczny dla zalogowanych], just like I’ve shared with you,[link widoczny dla zalogowanych], you will quickly build your list, get more clients and make more money. Enjoy!
2. Give them your compelling story, which means tell them about how you got to do what you’re doing. Then give them some tips as to how you got from your ‘before’ to your ‘after’, in your before and after story. People find that very,[link widoczny dla zalogowanych], very compelling, especially if you supplement with lots of tips.
Your assignment for this week is to come up with a topic that your ideal clients would say yes to. Remember, the topic is one of the most important things. They don’t know what your content will be yet,[link widoczny dla zalogowanych], but they will want to sign up for that topic.
Whichever you choose of the three, the idea is that the topic must be something that your ideal client would love to get their hands on.
Author's Bio:
By Fabienne Fredrickson
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1. Walk them through all of the steps of your proprietary system,[link widoczny dla zalogowanych]. It’s a series of steps that you use to get your clients results.
3. Do an interview. You can actually give someone a set of questions that they ask you and that you respond to and you can record those,[link widoczny dla zalogowanych].
Today’s topic is about how to create great,[link widoczny dla zalogowanych], free content in order to build your list. We talked about how you can have all of the best products and services in the world, but if you have no one to offer them to or no one to sell them to they won’t sell very quickly. When you have an email list (also called an ezine list) of several hundred and preferably, several thousands of people who are eager to hear from you, you now have people who will buy your products and services immediately and over time.
Now, that you’ve figure out which irresistible, free offer you will use to build your ezine list quickly and consistently it’s time to create great content for your IFO, your irresistible free offer. Remember, you must offer massive value if you want to build trust,[link widoczny dla zalogowanych], but you also don’t want to give away the entire farm.
I recommend three different types of content for your irresistible offer.
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Even if you’re an email veteran, there are always new factors to consider when attempting to reach new customers. The following is a list of factors that must be addressed in order to increase the positive responses to your email marketing campaign.

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The professional creates graphic art for Minneapolis Website that appeals to the masses by keeping in mind the types of services the firm offers,[link widoczny dla zalogowanych]. This is why corporate branding proves to be a challenging career as the company business depends a lot on the design of the company logo and the brand awareness,[link widoczny dla zalogowanych].
The main reason behind why a company should have a logo is to gain consumer awareness and brand loyalty automatically comes with the quality of services you provide,[link widoczny dla zalogowanych]. For instance whenever you think of certain renowned firms like Reebok or Nike the first thing that comes to a consumers mind is its logo,[link widoczny dla zalogowanych]. This is just a single example but the universal truth is that people need a brand image to recognize the services of a particular company. A good brand image along with the quality of service is all you need to attain brand loyalty from the target market you wish to take over,[link widoczny dla zalogowanych]. The other simple reason is the human nature as people tend to remember a symbol much more than that of a name of the company and its services,[link widoczny dla zalogowanych].
The process of corporate branding is all about creating a strong image about your firm in the market or a strong image for the services that the firm caters in the market. It may be true that many business firms have been successful in the market without any specific branding strategies or even without a brand logo but it is also a fact that most of the people do not even remember the name of the firms who do not have a brand name. Some of the basic aspects and steps involved in corporate branding include creation of company logo,[link widoczny dla zalogowanych], letterheads, business cards and many more. This article will offer you enough information on brand development and its importance in the corporate world.
Giving a face to your firm along with an identity to the services you cater will assist you in achieving your goal and the target market much quicker than your competitors,[link widoczny dla zalogowanych]. A brand is a symbol that determines how the people will look at you in the market and develop an outlook towards the services you cater. Graphic design services is an integral part of corporate branding as you have to decide upon a particular logo to represent your firm among the people in the market and it is the responsibility of a Graphic Designer to create the same as per your needs and demands,[link widoczny dla zalogowanych].
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Even if you’re an email veteran, there are always new factors to consider when attempting to reach new customers. The following is a list of factors that must be addressed in order to increase the positive responses to your email marketing campaign.

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A good trader, and one that will most likely succeed, is a person who can check out the trading room everyday, study the figures, and make right decisions. A bad trader, on the other hand,[link widoczny dla zalogowanych], goes to the trading room and every time he sees that the trend is not good,[link widoczny dla zalogowanych], he panics and makes careless decisions. Truly,[link widoczny dla zalogowanych], there is a huge difference.
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When you want to do online trading, it is important that you know trading inside-out,[link widoczny dla zalogowanych], which market to tackle, and what gears you need to help you in trading. Success in trading is not about luck, it is about being smart, skilled,[link widoczny dla zalogowanych], and of course,[link widoczny dla zalogowanych], prepared.
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Before you even try your hand at trading, it is essential that you arm yourself with sufficient knowledge of the market you are aiming at. This entails making sound judgment as to which market will be best for you to target on,[link widoczny dla zalogowanych], and by this we don’t mean the ‘trend’ nowadays,[link widoczny dla zalogowanych], but rather, a strong and stable market that suits you and your skills.
To be able to crunch in the numbers accurately, you need to use calculators or any device that makes you more efficient in dealing with figures. Why, you may ask? This is simply because every other trader who has enough sense does so. If you want to keep up,[link widoczny dla zalogowanych], use systems that have been proven to work, over time.
When it comes to trading style, you would learn this by going through trainings or courses that offer you a demo account- these things you can on the net. Moreover, you might want to consider getting yourself equipped with the innovations in technology that will help you better handle your trading business, such as calculators and software programs. While many successful traders make use only of a pen and a paper, they are backed with enough experience to let them get away without necessary gears. And unless you have that expertise, you need to stick to the essentials.
When you engage yourself in online trading, you need to come prepared. Many new traders are often under-equipped and they lack the necessary things needed to succeed. You see, in this line of business, you could earn so much but you can also go down hard.
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If you own an online business, you need to provide an About Us page. Unfortunately, many sites neglect to give this page the attention it needs and deserves. Many people do not realize the importance of an effective About Us page.

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A beneficiary is the recipient of the proceeds of your life insurance policy. Life insurance companies ask you to list primary and secondary beneficiaries. The primary beneficiary is usually a spouse and children listed as secondary beneficiaries. When a policyholder dies, life insurance companies will issue death benefits to the primary beneficiary. If the primary beneficiary is dead, the proceeds will be passed on to the secondary (contingent) beneficiaries.
Why is it important to update my beneficiary’s address?
It’s a good idea to conduct a routine review of your policy every year to make sure the information is current. You might want to take this opportunity to make sure your coverage reflects your current life insurance needs,[link widoczny dla zalogowanych]. Life insurance needs usually diminish over time and you don’t want to be stuck paying expensive premiums for a high coverage amount you no longer need.
Non-traditional beneficiaries can include a non-profit organization such as your local church or an international welfare program,[link widoczny dla zalogowanych].
Yes, you can have multiple primary beneficiaries as well as multiple secondary beneficiaries. You can assign a percentage against each recipient signifying the portion of death benefits each is to receive.
If you don’t have a policy, take the time to seriously consider financially protecting your family through term insurance. This could make a world of a difference to your family especially when you consider the kind of economic times we live in. Rates are cheaper now and it’s easy to get one through online life insurance quoting services that provide instant term life quotes from top-rated carriers. Compare policies and choose one that best applies to your situation.
To summarize
Will my beneficiary have to pay taxes on death benefits?
What is a beneficiary?
Life insurance companies are very strict about issuing benefits only to the named beneficiaries listed on a life insurance policy. The named beneficiary on your life insurance policy will take precedence over your Will. This means that as far as life insurance goes, your Will is not the last word on who gets the proceeds of your policy. If you want to change the beneficiary on your life insurance policy,[link widoczny dla zalogowanych], don’t do it in your Will. Make sure the change of beneficiary is effected on the life insurance policy itself.
By Denise Mancini
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The proceeds of a life insurance policy are generally exempt from tax. But if your beneficiary is the executor of your estate,[link widoczny dla zalogowanych], the money will be considered as part of your estate and may be subject to estate taxing.
If you are divorced and have re-married, with children from your first marriage living with your ex-spouse, some states require that you keep a life insurance policy with your ex-spouse as your beneficiary. In this case, the life insurance policy is meant to compensate for loss of alimony should you die unexpectedly.
Can I name more than one beneficiary?
Designating a guardian or custodian as your beneficiary without creating a Trust would mean that the guardian would receive all the death benefits. It’s important to choose your guardian carefully. He/she should be someone you can fully rely on to manage the proceeds of your policy judiciously on behalf of your children.
Can I name a minor as my beneficiary?
When you designate a beneficiary on your policy, you would need to specify if it is revocable or irrevocable. Irrevocable beneficiaries generally cannot be changed,[link widoczny dla zalogowanych], except by written consent from the original beneficiary.
Can I list the beneficiary of my life insurance policy in my Will?
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How hard could it be designating a beneficiary to your life insurance policy? Not too hard,[link widoczny dla zalogowanych], but it is important to give this careful thought to make sure your beneficiaries receive their death benefits quickly after you die.
Revocable beneficiaries can be changed. However, you’ll still need to go through a formal procedure requiring you to fill out a beneficiary form deleting the old beneficiary and designating the new one.
Life insurance companies will not pay out claims to anyone who is still a minor. If the beneficiary is a minor, the proceeds will be legislated through a court of law. In such a case, benefits would not be available to your children until they reach legal age. To avoid this,[link widoczny dla zalogowanych], you can create a Trust or appoint a custodian or guardian. The beneficiary of your policy would be your Trust/custodian/guardian. The executor of your Trust would make sure that your children receive death benefits in accordance with the instructions laid down in your Trust Deed.
If your primary beneficiary is dead and there is no contingent or secondary beneficiary, the proceeds will automatically go to your estate and will be liable to taxation. Life insurance proceeds will go through a lengthy probate process and what is left of the estate will be distributed among your heirs.
Life insurance companies generally will make no effort to search out and locate the beneficiary of a life insurance policy in order to pay out death benefits. They expect beneficiaries to come forward and make a claim. In the light of this,[link widoczny dla zalogowanych], it’s important to update your beneficiaries’ address/es on your life insurance policies. If your children have moved make sure the address on the policy reflects their current address.
It’s important to let your beneficiary know the details of your life insurance policy so that he/she can do the needful when the time arrives,[link widoczny dla zalogowanych].
You may be surprised to know the number of life insurance policies that lie unclaimed because a beneficiary could not be located! According to the New York Times (February 25, 2011), millions of dollars lie with the State because of policies that have not yet been claimed. And while the State and the life insurance industry prosper through unclaimed policies, heirs to your insurance policy sadly will never receive the benefits even though you had been diligent in paying premiums. That’s why it is important to make sure you’ve done all you could do to make sure your beneficiary receives death benefits in a timely manner.
We’ve provided a list of common questions pertaining to beneficiaries to help you in the process of designating your beneficiaries on a life insurance policy.
What are revocable and irrevocable beneficiaries,[link widoczny dla zalogowanych]?
It is important how you word your beneficiaries. If you say “children” this may include children you have had from a previous marriage as well as children through your present marriage. On the other hand, if you name each child, you’ll have to make sure you keep upgrading your policy as more children are added to your family.
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